Alabama Consumer Law Blog“Can I fix my credit reports on my own in Alabama?”
This is a wonderful question that we’re going to answer today.
How to fill out a Small Claims answer form in a debt collection lawsuit in Alabama
When you’re handling your Alabama Small Claims debt collection lawsuit on your own, it’s critical that you start with filling out and filing your answer.
While I personally can’t tell you what to fill out in the answer form, I can tell you what you’ll see and explain each choice to you. And help you think through which is the right choice for you.
How long do I have to answer an ejectment lawsuit after a foreclosure in Alabama?
“I have been sued in an ejectment lawsuit after a foreclosure. How long do I have to answer the lawsuit in Alabama?”
This is an important question that we will answer in this article. It seems bad enough to be foreclosed. But then you get sued for “ejectment”. This means the company suing you (normally your mortgage company) is trying to evict or “eject” you from your home.
And claim you have lost your right of redemption.
What does a vacated judgment mean for my credit reports?
This is a great question we have been asked, because credit reports are important to our everyday lives. And there are a surprising number of judgments in Alabama that are vacated or done away with. Usually because the defendant was not properly served.
So what do you do if you have a judgment vacated?
How to check and make sure your credit reports are accurate
The first thing you need to do it look at your credit reports.
You can print them for free at AnnualCreditReport.com.
What should happen with my credit reports after my judgment has been satisfied?
When you have a judgment against you, and it’s on your credit report, it can be frustrating.
However, once you have a satisfaction of judgment, it can be a breath of fresh air as that judgment must show that it has been “paid” or “satisfied”.
Why would the debt collector have to pay my attorney’s fees under the Fair Debt Collection Practices Act (FDCPA)?
A common question that we get when we’re dealing with a consumer who is suing an abusive debt collector is, “Why would the debt collector have to pay my attorney’s fees under the Fair Debt Collection Practices Act?”
This is a fair question.
What is the difference in my note, my mortgage, and my deed in Alabama?
When we’re dealing with homes, several words get tossed around.
Sometimes it it gets confusing.
Definition: Bona Fide Error under the FDCPA
A bona fide error is where the debt collector says in their affirmative defenses, “Yes, we went against the FDCPA but we should be excused and not be responsible.”
Why is that?
2015-11-20 Q&A Webinar with Attorney John G. Watts
Here is a transcript of consumer protection related questions and answers we covered in our live webinar on November 20, 2015.
We hope you find these helpful — please continue to submit questions to us and we’ll do these live webinars again.