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 […]

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 […]

Judson’s Guide to Debt Collection Rights, Part II: Debt Collectors Cannot Lie to You – Alabama Consumer Credit Attorney Judson E Crump 5

The Second Right: Honesty The second right you have when dealing with debt collectors is to hear the truth.  And nothing else.  This right is enshrined in 15 U.S.C. Sec. 1692e, which says “A debt collector may not use any false, deceptive, or misleading representation or means in connection with […]