judgments


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 […]


Alabama’s Exemption Statute – Why so stingy? – Alabama Debtor’s Lawyer Judson E Crump 2

DID YOU KNOW? Alabama (No Longer) has the weakest exemption statute in the country. This is a correction to a previous article I wrote, which has been made necessary by a positive change in Alabama law. In January of 2015, I wrote the following article about Alabama’s exemption statute: “What’s […]


Portfolio Recovery Associates Credit Card Lawsuit Defeated – Alabama Collection Defense Lawyer Judson E. Crump 2

This case represents a trend I’ve noticed among the circuit judges here in Alabama: allowing sketchy debt buyer evidence into the record, but finding in the defendant’s favor anyway. My client was a good and honest woman who was working hard to claw her way out of debt.  She had recently […]


What is Garnishment? Part 2 of “Dealing with Default Judgments” – Alabama Collection Defense Lawyer Judson E. Crump 1

What is a garnishment? Let’s start with the judgment – because for everything except student loans and taxes, no* garnishment can happen without first obtaining a judgment.  At least, not in Alabama.  If you get sued and lose, or don’t bother to answer, then the person who sues you gets […]


The Shock of Garnishment: Part 1 of “Dealing with Default Judgments” – Alabama Collection Defense Attorney Judson E. Crump

It’s Friday.  You get off work at a way earlier-than-it-feels like 4:27 PM.  And thank God.  Really.  TGIF means much, much more to you than it does to those 20-year olds without kids or real responsibilities, those who, when they say “TGIF,” mean “Yay, I can now go out drinking with my girlfriends!” […]