lawsuit defense

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.

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 […]

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 […]

$19,000 Default Judgment Vacated – Alabama Collection Defense Attorney Judson E. Crump 3

If you are not served with the Summons and Complaint in a collection lawsuit, then a default judgment entered against you in that lawsuit is void.  That was the point I made to the Mobile County Circuit Court at a hearing on my Motion for Relief from a default judgment […]

$3100 Alarm System Collection Suit Dismissed at Trial – Alabama Consumer Credit Attorney Judson E Crump 1

  Last week, a client came to me who had been sued by a debt buyer for $3,100.  Allegedly, the debt was based on an old alarm system account that had gone unpaid.  The debt buyer, a smaller outfit called Harbin, LLC, actually brought a corporate officer to court to […]

Debt Settlement on the Courthouse Steps: 75% Discount – Alabama Consumer Credit Attorney Judson E Crump 2

At 8:30 on the morning of April 23rd, I got a phone call as I was getting ready to go to work. “Mr. Jones” was sued in Small Claims Court by a debt buyer called Midland Funding for $2,000, and he had a trial date at 2:00 p.m.  The suit […]

Another Victory: Beat a $13,000 lawsuit by Midland Funding today. – Alabama Consumer Credit Attorney Judson E Crump

Our continuing efforts to save the families of South Alabama from credit card debt have born another ripe fruit today. In Mobile County Circuit Court Case No. CV-13-901687, I appeared in court today to defend my client from a lawsuit demanding $12,967.43 + $260 Court Costs for an alleged Sears […]