Collection Defense

Defending people against debt collection lawsuits. You have a better chance of winning in court than you think.


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 […]


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 […]


How Long Does It Take to Get Garnished? – Alabama Consumer Rights Firm Judson E. Crump, PC

Ever Wonder What Really Happens After You Can’t Pay Your Bills? If you have not yet had the pleasure of money being forcibly collected from you, then you may wonder just what happens if you don’t pay a debt.  Of course, your creditors are probably going to threaten you with […]


2 Debt Collectors Defeated in Court: Midland Funding and Atlantic Credit & Finance – Alabama Consumer Protection Lawyer Judson E. Crump

We went to Court on Two Collection Suits in June.  We won both. One of our clients was sued by Atlantic Credit and Finance Special Finance Unit, LLC.  Isn’t that a ridiculous name for a business?  I suppose they have to keep creating corporate entities to keep things complicated.  These […]


Who is Convergence Receivables? – Alabama Consumer Credit Lawyer Judson E. Crump 1

Have you received a lawsuit summons from Convergence Receivables, LC?  Who are they?  What do they want?

 

Hey folks.  I am Judson Crump, an Alabama consumer protection lawyer.  One of my specialties is defending people who have been sued by companies they’ve never heard of.  One such company is Convergence Receivables, LC.

Convergence Receivables, LC is a debt buyer.  This means that they purchase old charged off accounts from banks, credit card companies, auto finance companies, or other creditors, and then try to collect them.  Sometimes, you may never get a phone call, letter, or any contact whatsoever from a debt buyer, then WHAM!  You get a lawsuit demanding thousands of dollars.

To make things worse, a lot of times, debt buyer lawsuits don’t even bother to explain why they think you owe them so much money.  They just hope that you don’t answer the complaint and they can get a default judgment and try to garnish your wages or bank account.  Or scare you into paying them.

The most important thing to remember about debt buyer lawsuits is that even if you really did owe money to someone in the past, that doesn’t automatically mean that any collector who comes along can get it from you.  Here’s why:

Imagine if you borrowed $100 from your friend, Will.  You admit that you owe Will $100, but you can’t pay him right now because work is slow and you have 3 kids.

One day, as you are walking into work, a guy named Bubba comes up to you and says “Give me $100.”  What would you say?

“Hell no, I’m not giving you $100.”

“You owe Will $100 and I paid Will $5 for your debt.  So give me $100.”

“I want some proof.”

Well, that’s the problem.  Anyone claiming to sue on behalf of another must prove not just that the money was owed, but that they have the right to the money.

So if you get sued by Convergence Receivables, LC, or some other debt buyer, you don’t have to file bankruptcy, and you may have a good chance at beating them in court and saving thousands.

The key is to call a lawyer with experience fighting these sorts of cases.  I’ve beaten dozens of collection lawsuits.

If you live in Alabama and are facing a lawsuit or abusive collection tactics by Convergence Receivables, then call me at 251.272.9148.


$30,000 Student Loan Collection Suit Defeated at Trial – Alabama Consumer Protection Attorney Judson E. Crump

One of our clients was sued by a debt collector for a $31,000 student loan.  We beat them at trial. Jefferson Capital Systems, LLC, a purchaser of uncollected accounts, sued my client for an alleged student loan debt.  They alleged that my client had obtained a student loan years before, and […]