collection lawsuit


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 […]


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.


Another Midland Funding Lawsuit Dismissed – Alabama Collection Defense Attorney Judson E Crump

Another collection lawsuit by Midland Funding, another victory for an Alabama consumer.  Back in May, my client received a lawsuit summons from Midland Funding, they claimed that he owed them $3,573 for a credit card account with GE Capital Retail Bank. My client answered the complaint pro se and hired […]


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 […]


Midland Funding Lawsuit Defeated – Mobile, Alabama Attorney Judson E. Crump

My client was sued by Midland Funding for a credit card account they said he once had with HSBC Bank Nevada, NA.  I answered the complaint for him and the case was set for trial.  The collection lawyer was there with a stack of documents they said proved their case. […]


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!” […]