credit cards


Alabama Woman Sues Nationwide Credit Reporting Agencies for False Credit Reporting – Alabama Fair Credit Reporting Attorney Judson E. Crump

Fair Credit Reporting Act Lawsuit Filed against TransUnion, Experian, and JPMorgan Chase Bank On June 21, 2017, we filed the case of Savage v. Chase, TransUnion, & Equifax in the United States District Court for the Southern District of Alabama.  Our client was the victim of identity theft.  Somehow, an unknown individual […]


What is the Statute of Limitations on a Credit Card Lawsuit in Alabama? — Alabama Consumer Credit Lawyer Judson E. Crump 1

If you’ve defaulted on a credit card, how long can the bank wait to sue you? Believe it or not, this is a surprisingly complex question.  In most lawsuits, the statute of limitations is simple.  Car wreck cases have to be filed within two years.  Ala. Code Sec. 6-2-38(l).  So […]


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 […]


Trial Victory: JH Portfolio Debt Equities’ $9000 Credit Card Lawsuit – Alabama Consumer Protection Lawyer Judson E. Crump

My client, Mr. Roberts, had been sued by JH Portfolio Debt Equities for an alleged credit card bill that had gone unpaid. Mr. Roberts had never heard of these people and hadn’t even obtained a credit card from Bank of America – the people they claimed to be collecting for. […]


What is the Statute of Limitations on Contracts in Alabama? – Alabama Consumer Rights Attorney Judson E Crump 5

If someone owes you money, you cannot wait forever to take them to court.  The law places a time limit on every lawsuit.  It’s called the Statute of Limitations. And the Statutes of Limitation exist for good reasons.  Evidence gets lost.  Memories fade.  People move on with their lives.  Business would […]


Cavalry SPV I, LLC Collection Lawsuit Defeated- Alabama Collection Defense Attorney Judson E Crump 3

Our client was sued twice by Cavalry SPV I, LLC for $2598.80 on a credit card he once had with HSBC.  The card had, allegedly, been transferred to Capital One Bank, N.A. at some point, and then to Cavalry SPV I, LLC.  Cavalry SPV I, LLC then sued my client.  He answered the […]


Credit Card Aggression Ratings 2014, Continued: The Best Credit Cards to Have if you Fall Behind on Payments – Alabama Consumer Credit Attorney Judson E Crump

(Continued from Page 1) 4.  Local Credit Unions.  Varies from 4 to 9 out of 10. Smaller credit unions who issue credit cards are usually pretty tough to beat in court, mostly because they’re local and they can drive a witness there to prove their case against you, rather than […]


Why I defend People From Credit Card Lawsuits – Alabama Consumer Credit Attorney Judson E Crump

I regularly go to court to fight lawsuits against people who legitimately do owe some money to the people suing them. Is that morally acceptable? Is it ethical for me as an attorney? Yes, because being in financial trouble is not a crime. The people I represent have already tried to pay their bills, but their creditors have chosen to sue them instead of make affordable settlement arrangements. By fighting these suits, I send a message that you should consider working with your delinquent customers before taking them to court. Because if you go to court against a well-defended debtor, you may end up with nothing at all.

Moreover, the banks I fight are all based in big cities far away from my community. I consider it a duty to do what I can to keep as much of the hard-earned money of the people of South Alabama as possible right here. Our local businesses need customers whose wages aren’t being shipped out to Delaware or New York. Everyone wins if the justice system isn’t twisted into some giant collection machine.