Truth in Lending

Lenders are required to accurately disclose the cost of credit BEFORE the sale. If they don’t they must pay.

What is Fraud? – Alabama Consumer Fraud Attorney Judson E. Crump 1

Fraud. noun | \frȯd\ An intentional perversion of truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right.  A false representation of a matter of fact, whether by words or by conduct, by false […]

See A Credit Card Charge That You Don’t Recognize? How to Deal with It. – Alabama Consumer Credit Lawyer Judson E. Crump

You should review your credit card statement every month.  If you see charges that you do not recognize, here is what to do. Identity theft is becoming more common than ever.  It seems that every few weeks, another massive security breach is revealed on the news.  And identity theft can […]

The Lone Justice Ruling for the People: Scalia? – Alabama Consumer Credit Attorney Judson E. Crump

Koons Buick Pontiac GMC v. Nigh – 543 U.S. 50 (2004).  Proof that Judges aren’t just partisans. The U.S. Supreme Court now has 5 “Republicans” and 4 “Democrats.”  Since I get my knowledge of the world from the TV Channels or internet news sites that disagree with me the least, […]

VIDEO: Foreclosure Rescue Scams – Alabama Foreclosure Attorney Judson E Crump

Sale Leaseback Scams and Foreclosure Rescue Scams are two types of scams that are popular when housing markets are doing well. Why? Because they prey on struggling people who have a substantial amount of equity in their homes. Particularly old people.

They’re really evil, but you can absolutely do something about it, as long as you take action as soon as possible, preferably within a year.

If you have older relatives who have been screwed by these sorts of deals, it is important to gather all of the paperwork as quickly as you can and call a lawyer to fix the problem.

VIDEO: Do these people actually help you get a loan mod? Or are they just scams? Alabama Foreclosure Attorney Judson E. Crump

Answer: Most of them are scams. Here’s how you know: 1) They promise legal advice, or pseudo-legal advice. “Forensic audits” are a big keyword they like to use.

2) They promise to stop a foreclosure without bankruptcy, unless they’re very experienced lawyers located in your county. Why? You can’t stop a foreclosure without a bankruptcy or TRO in Alabama.

3) Up Front fees. Or advising you to quit paying your mortgage company and start paying them instead. Use common sense. Call a real lawyer.

How to Cancel Private Mortgage Insurance (PMI) – Alabama Consumer Credit Attorney Judson E Crump 1

Private Mortgage Insurance (PMI, as it is affectionately abbreviated) is one of the many features of the “new” housing market.  For those of you who don’t know, PMI is basically an additional fee that is charged to a borrower who cannot afford to make a 10% or 20% down payment […]

How to Avoid Getting Defrauded by a Mortgage Company – Alabama Consumer Credit Attorney Judson E Crump

Sometimes mortgage servicers charge people money they don’t owe.  Yea, it happens.  Sometimes it happens by mistake.  Despite being huge, well-funded, and advised by hundreds of different corporate lawyers, mortgage servicers can and do screw up sometimes.  They may apply a payment to the wrong account.  They may charge you for […]

Send your Mortgage Servicer a Qualified Written Request in Alabama – Alabama Consumer Credit Attorney Judson E Crump 4

How do you fix a problem you’re having with your mortgage company?  Most of the time, you can do it without hiring a lawyer or going to court. But if you try to get it done with a quick phone call, you’ll probably just get that familiar message: “We’re experiencing unusually […]