fdcpa


A New Scam: “Debt Validation Services!” – Alabama Consumer Rights Attorney Judson E. Crump 1

There’s a new scam in town!  It’s called “Debt Validation.” While the life of a consumer protection lawyer can be riveting, it isn’t every day that you see the birth of an entirely new scion of the American scam industry.  Well, today was my lucky day.  I got a call from […]


What Makes a Debt Collection Call Illegal? – Alabama Consumer Credit Attorney Judson E. Crump 1

Are You Getting Harassing Telephone Calls From Debt Collectors?  They Might Be Illegal! Sure, a bona fide creditor has a right to ask you for payment, but when do good faith collection efforts end and illegal harassment begin? There are basically two ways that a phone call can be illegal: The […]


Debt Collector Pays Mobile, Alabama Woman to Settle FDCPA Lawsuit – Alabama Consumer Credit Attorney Judson E. Crump

Back in October 2013, a Mobile woman came to me with a debt collection lawsuit brought against her by Portfolio Recovery Associates.  She was in dire straits and had no way to pay for a lawyer, but she also could not afford to lose 25% of her wages to a […]


Fixing Identity Theft, Part Three: When to Hire a Lawyer – Alabama Consumer Credit Attorney Judson E Crump

So you’ve written a dispute to the creditor or debt collector who is asking you to pay money on an account you never opened or for purchases you never made.  And you’ve placed an initial fraud alert on your credit reports and reviewed them and written dispute letters to the […]


What is the risk of suing a debt collector in Alabama? – Alabama Consumer Credit Attorney Judson E Crump

What is the risk of suing a collection agency? So here’s a common scenario: you have a debt collector who’s bothering you and being so rude and deceitful that you’re virtually certain they must be breaking some law.  But there’s one problem: you do actually owe the money.  At least, […]


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 3: Who is Admin Recovery LLC? – Alabama Consumer Credit Attorney Judson E Crump 3

Admin Recovery LLC is a debt buyer based in Valhalla, New York.  They are a 4 on the 10 point scale of debt collector shadiness.  They may not give you their business address or send you anything in writing, even upon demand.  But they do exist and they do report […]


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 […]