scams


Virginia College = Scum – Alabama Consumer Rights Attorney Judson E. Crump

Thinking About Enrolling at Virginia College? DON’T! Usually I’m pretty upbeat about my law practice.  I get to represent real people with real world problems.  I don’t have billing hour requirements.  My clients are always very grateful for my work.  I set my own hours and take or turn down […]


Hired Ferry & Nicholas? Consider Getting a Refund – Alabama Debtor’s Rights Lawyer Judson E. Crump

Ferry & Nicholas Sends Advertisement Letters to Debtors in Alabama.  I believe they may be sending false advertisements. If you have been sued by a debt collector or credit card company in Alabama, you’ve probably received a letter from a company called Ferry & Nicholas.  They claim to be “professional […]


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

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 […]


Credit Associates – Is this Debt Settlement Company a Scam? – Alabama Consumer Credit Attorney Judson E. Crump 10

Credit Associates advertises debt settlement services on TV and Radio.  Are they a scam? I suspect that this outfit may be a scam, and I want to hear from anyone who has experience with them.  I saw this television advertisement recently: A serious man in a business suit stares grim-faced at […]


A Few Reasons to NEVER Hire a Credit Repair Service – Alabama Consumer Credit Attorney Judson E. Crump 1

Almost All Credit Repair Services Are Scams.  Don’t fall for them. In fact, in my years of representing debtors and counseling people in financial trouble, I have never seen a credit repair service that was not a scam.  But if they’re all scams, why are they so popular?  There are […]


What Happens When You Hire Freedom Debt Relief – Alabama Consumer Credit Attorney Judson E Crump 4

Freedom Debt Relief Credit Counseling Customer Stuck with Big Judgment in Alabama Credit Card Lawsuit Freedom Debt Relief advertises itself as a way to avoid Chapter 7 or Chapter 13 Bankruptcy by negotiating discounted debt settlements for people with lots of credit cards, medical bills, personal loans, or other unsecured […]


VIDEO: Loan Modification Scam Litigation – Alabama Foreclosure Attorney Judson E. Crump

You can do something about it. You must take action as soon as you can if you think that you or someone you love has been ripped off by a loan mod scams. You have rights that you may not even know about.

These scams are all over the place. I’ve seen at least three separate outfits that have tried to screw my clients. Most of them seem to be located in Florida, for some reason, but if they’re doing business here, we can absolutely take them to court here.

Even if they have “successfully” obtained a loan modification for you, they still may be breaking the law and harming you (without your knowledge) by committing bank fraud on your behalf. This is serious stuff. If you’re currently paying monthly fees to a “loan mod specialist” who hasn’t obtained a loan modification for you yet, then you need to stop paying them ASAP and ask for a full and immediate refund.

See, they’re not allowed to charge you a dime up front. And they’re also not allowed to instruct you to quit paying your mortgage.

Please don’t fall for these guys! Some examples I’ve seen that break the MARS rule:

  • Ocean Legal Group
  • Fresh Start “law firm”
  • Pinepoint law group

Notice a pattern?  They all pretend to be lawyers, when they’re not.


VIDEO: Foreclosure Rescue Scams – Alabama Foreclosure Attorney Judson E Crump

Sale Leaseback Scams and Foreclosure Rescue Scams are two types of scams that are popular when housing markets are doing well. Why? Because they prey on struggling people who have a substantial amount of equity in their homes. Particularly old people.

They’re really evil, but you can absolutely do something about it, as long as you take action as soon as possible, preferably within a year.

If you have older relatives who have been screwed by these sorts of deals, it is important to gather all of the paperwork as quickly as you can and call a lawyer to fix the problem.


VIDEO: Do these people actually help you get a loan mod? Or are they just scams? Alabama Foreclosure Attorney Judson E. Crump

Answer: Most of them are scams. Here’s how you know: 1) They promise legal advice, or pseudo-legal advice. “Forensic audits” are a big keyword they like to use.

2) They promise to stop a foreclosure without bankruptcy, unless they’re very experienced lawyers located in your county. Why? You can’t stop a foreclosure without a bankruptcy or TRO in Alabama.

3) Up Front fees. Or advising you to quit paying your mortgage company and start paying them instead. Use common sense. Call a real lawyer.


Who is Ferry & Nicholas? Why you should not hire them. – Alabama Consumer Credit Attorney Judson E Crump

If you have received a letter from a “firm” called “Ferry & Nicholas,” it means that you have been sued by a credit card company or debt collector.  Ferry & Nicholas runs a clever little scheme.  See, they’re not lawyers, which means that they don’t have to comply with the Alabama […]