repossession


Why you never keep your car sale paperwork in your car. – Alabama Consumer Rights Lawyer Judson E. Crump

At 8:59 A.M., my office phone rings.  A frantic woman answers: “My car just got repossessed.” As she proceeds to tell me her story, it becomes clear that this isn’t a garden variety repossession.  Most repossessions, I confess, are totally legal.  A car was bought on an installment contract; payments […]


Can the Repo Man Do That? The Law on Repossessions. – Alabama Consumer Protection Attorney Judson E. Crump 49

About a million cars are repossessed each year in the United States.  Many of these are illegal, though most debtors (and a lot of repo agencies) don’t know it.  So just what makes a repossession illegal? Breach of the Peace. A secured creditor can only repossess their collateral if they […]


Don’t sign a waiver when you retrieve your belongings from a repossessed automobile. – Alabama Consumer Credit Attorney Judson E Crump

If you have had a vehicle repossessed recently and the repo man or towing company refuses to let you access your vehicle, they have to give you your property back.  This means they must either mail it to you or give you a chance to come and get it.  But […]


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 […]


Car Repossessed After a Spot Delivery Sale went Wrong? A few Defenses – Alabama Consumer Fraud Attorney Judson E. Crump

Spot Delivery Sales are Often Illegal.  But even when they’re not, you still have rights.   If you have credit problems in your past, then there is a chance you have been subject to a spot delivery auto sale scheme.  Spot Delivery?  What is spot delivery?  A spot delivery is […]


I’m looking for people who have experienced problems with their creditors due to a failure of an electronic payment that was not their fault.  If you have an agreement to pay a debt via ACH (automated clearinghouse), debit card, phone check, direct withdrawal, or other electronic means and for some reason (like a computer glitch, malfunction, bank error, or other screwup), the money never went from your bank to the creditor, the creditor is supposed to give you time to try the transfer again or fix the problem before taking action against you.

If an electronic payment method fails, your creditors cannot take action against you until they have requested another payment method in writing.

So for instance, if you have a mortgage payment that comes out of your checking account each month, and one month your bank starts screwing up the payments, then the mortgage company cannot foreclose on you or charge you late fees until they have sent you a written request for another payment method.  Has this happened to you?  Have you been foreclosed on because of an ACH failure that wasn’t your fault?  If so, give me a call and tell me what happened.  I’m very interested in this aspect of the law and want to see if there are violations happening out there.

Or are you paying for a car via debit card each month, and after a bank malfunction, got a car repossessed?

If something like this has happened to you, give me a call at 251.272.9148.  I won’t charge you anything.  I just want to hear your story.