Credit


Alabama Legislature Proposes to Help Credit Card Companies Sue their Customers – Alabama Debtor’s Rights Attorney Judson E. Crump

The Credit Industry Lobby has Succeeded in Convincing the Alabama Legislature to Make it Easier to Sue Customers. Once again, a big business lobby has convinced some of the fools in Montgomery to propose a bill that would help the huge-money finance industry at the expense of ordinary working people. […]


Video Q&A: The cleverest corporations that break consumer protection laws: Credit Bureaus – Alabama Credit Attorney Judson E Crump

Alabama Credit Reporting Attorney Judson E. Crump discusses why he thinks credit bureaus are relatively smart businesses to fight in court.

To summarize:

Though the major consumer reporting agencies* make mistakes all the time, actually taking them to court can be tricky because they are specialized in their field and have experience from decades of business and thousands of lawsuits behind them. They know how to deal with FCRA litigation, have very good professional witnesses, and don’t hire bad law firms.

Proceed cautiously, but don’t be intimidated.

*credit bureaus, credit report companies, credit reporters, these all are defined by 15 U.S.C. 1681 – the Fair Credit Reporting Act – as “consumer reporting agencies,” so that is the term I use for them as well.


What to do if your Credit Application is Denied? – Alabama Consumer Credit Attorney Judson E Crump

I remember the first time I applied for a credit card.  I wanted to buy my school books on Amazon.com, and they had this big banner on the website that said I could get a 10% discount if I bought my stuff with their Amazon.com credit card.  So I clicked […]


Is a lender or finance company required to tell you why you were denied credit in Alabama? – Alabama Consumer Credit Attorney Judson E Crump

Absolutely.  And they have to tell the truth as well. Whenever you apply for credit – be it an automobile loan, a credit card, a home mortgage, refinance, or any other sort of credit, the Equal Credit Opportunity Act requires the lender to do two things: 1) they must notify […]