Debt


Alabama Legislature Proposes to Help Credit Card Companies Sue their Customers – Alabama Debtor’s Rights Attorney Judson E. Crump

The Credit Industry Lobby has Succeeded in Convincing the Alabama Legislature to Make it Easier to Sue Customers. Once again, a big business lobby has convinced some of the fools in Montgomery to propose a bill that would help the huge-money finance industry at the expense of ordinary working people. […]


What is the Statute of Limitations on a Credit Card Lawsuit in Alabama? — Alabama Consumer Credit Lawyer Judson E. Crump 1

If you’ve defaulted on a credit card, how long can the bank wait to sue you? Believe it or not, this is a surprisingly complex question.  In most lawsuits, the statute of limitations is simple.  Car wreck cases have to be filed within two years.  Ala. Code Sec. 6-2-38(l).  So […]


Hired Ferry & Nicholas? Consider Getting a Refund – Alabama Debtor’s Rights Lawyer Judson E. Crump

Ferry & Nicholas Sends Advertisement Letters to Debtors in Alabama.  I believe they may be sending false advertisements. If you have been sued by a debt collector or credit card company in Alabama, you’ve probably received a letter from a company called Ferry & Nicholas.  They claim to be “professional […]


How to Reverse a Default Judgment, Part III – Alabama Consumer Credit Attorney Judson E. Crump

How to Get the Court to Undo a Default Judgment for Fraud on the Court. If you were served with the lawsuit, there is still one other way to get a default judgment vacated: fraud on the Court.  This is not very common, and it is not easy, either.  But […]


Vacating Default Judgments, Part II – Alabama Debtor’s Rights Attorney Judson E. Crump

Sometimes, Debt Collectors and Collection Lawyers File False or Bogus Service Returns to Get a Judgment Without Notifying You.  Here’s what to do about that. Last week, we discussed how to get a default judgment vacated if the Service Return showed that you were not served properly under the Alabama […]


How to Vacate a Default Judgment – Alabama Consumer Defense Attorney Judson E. Crump

Once a judgment is entered against you, the law presumes that it is valid, and there are only a few ways to undo the judgment.  Here’s how. First, know that judgments are always presumed valid once entered, and the law generally favors finality of judgments.  This means that if you […]


$6,000 Midland Funding Collection Lawsuit Defeated – Alabama Consumer Rights Attorney Judson E. Crump

Midland Funding, LLC sued my client over an alleged balance due on a Target Credit Card.  We went to trial and won. Like a lot of Americans, my client had suffered some financial setbacks that caused her to fall behind on some of her bills.  When she was unable to […]


A New Scam: “Debt Validation Services!” – Alabama Consumer Rights Attorney Judson E. Crump 1

There’s a new scam in town!  It’s called “Debt Validation.” While the life of a consumer protection lawyer can be riveting, it isn’t every day that you see the birth of an entirely new scion of the American scam industry.  Well, today was my lucky day.  I got a call from […]


Reversing a $7,000 Bank Account Garnishment – Alabama Consumer Rights Lawyer Judson E. Crump

Midland Funding Garnished Over $7,000 from my Client’s Checking Account.  Here is how we fixed it. Mr. Carter had a few unpaid accounts he wanted help resolving, so he went to a local credit repair organization.  They attempted to negotiate with some of his creditors on his behalf, including Midland Funding, who […]


Credit Associates – Is this Debt Settlement Company a Scam? – Alabama Consumer Credit Attorney Judson E. Crump 12

Credit Associates advertises debt settlement services on TV and Radio.  Are they a scam? I suspect that this outfit may be a scam, and I want to hear from anyone who has experience with them.  I saw this television advertisement recently: A serious man in a business suit stares grim-faced at […]