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 […]

A new NCLC Report is out on the student loan collection process.  For those of you that don’t know already, debt collectors can be viciously greedy and completely unhelpful for people in debt.  Naturally, we expect credit card companies and other profit-motivated businesses to sell or refer their unpaid debts to vicious collectors.  That’s how they maximize the value of their unpaid accounts.

But the government?  Surely the taxpayer-funded public-interest side of the social contract isn’t going to feed its young people to the hounds?  Actually, yes they are.

–Here’s the Report–


And for those that are interested, here’s a related post from F* the Banks!

Great article by the New York Times.  Even though consumer lawyers like me have been saying the same thing for years, putting it into the NYT will make more people understand what they need to know about the modern debt collection industry.

Beat Midland Funding (Again) – $2,000 collection lawsuit in Baldwin County – Alabama Consumer Credit Attorney Judson E Crump 3

On Friday, May 30th, I tried another collection lawsuit against Midland Funding – this time in Baldwin County, at the Fairhope Courthouse.  For those who aren’t familiar with Alabama’s largest county, Baldwin County actually has three separate courthouses.  The main one in Bay Minette is at the northern end of […]

How to Handle an FDCPA Validation Request – Alabama Consumer Credit Attorney Judson E Crump

So you’ve sent your FDCPA Validation Request…Now what? Normally, you’ll get a letter with some basic information that says what the collector already told you: that you owed $15,000 to HSBC and they were assigned the account from HSBC and therefore you owe them money.  They may have other information […]

How to Request Validation of a Debt via the Fair Debt Collection Practices Act – Alabama Consumer Credit Attorney Judson E Crump 3

One of the many rights that most people don’t know they have against debt collectors is the right to request validation of the debt. Once a collector starts coming after you for money, they are required to notify you of your right to request proof that you owe them the […]

Who is calling me, Part 2: Who is Hunter Warfield? – Alabama Consumer Credit Attorney Judson E Crump

Hunter Warfield is a collection agency based in Tampa, Florida.  They are an 2 on the 10 point scale of debt collector shadiness – they have an actual website and don’t try to hide their business address. The only time I have encountered them they were collecting on an old […]