Frequently Asked Questions
What is the Fair Credit Reporting Act (FCRA)?
The FCRA is a federal law that requires the credit bureaus and the companies that report to them to keep your credit information accurate and to investigate disputes. If they report errors and fail to fix them after you dispute, you may be entitled to damages and attorney’s fees.
What can I do about debt collector harassment?
Debt collectors must follow the Fair Debt Collection Practices Act. They can’t harass or threaten you, call at unreasonable hours, contact you at work after you’ve said stop, or lie about what you owe. If a collector broke the rules, you may be owed statutory damages plus attorney’s fees. Write down the calls and contact us.
What are my rights after a car repossession?
Yes. Lenders and repossession companies must follow the law before, during, and after a repossession, including giving proper notice and selling the vehicle in a commercially reasonable way. If they didn’t, the repossession may be wrongful, you may not owe the deficiency balance, and you may be able to recover damages.
Can my landlord evict me without going to court?
Usually not. In most cases a landlord must give proper written notice and get a court order. Changing the locks, removing your belongings, or shutting off utilities to force you out is generally illegal. If you’re facing eviction, talk to us about your options.
Do you handle personal injury cases too?
The answers below are general information, not legal advice. Every situation is different, the rules have exceptions, and contacting the firm does not create an attorney-client relationship. For your specific situation, talk with a licensed attorney.
What does it cost to hire you?
Many consumer protection laws, including the FCRA and FDCPA, require the company that broke the law to pay your attorney’s fees — so these cases often cost you nothing out of pocket. We’ll explain exactly how it works for your situation.
Is my consultation really free?
Yes. Your initial consultation is completely free and there’s no obligation. Call or text 205-378-8121.
How long do I have to take action?
Deadlines apply to consumer and injury claims, and evidence is easier to gather early — so it’s best to reach out as soon as you notice a problem.
What areas do you serve?
Qualified Legal Representation
John C. Hubbard represents consumers across Texas and Alabama, handling credit report errors, illegal debt collection, wrongful auto repossession, eviction, and personal injury matters.
Nearly Two Decades of Experience
Practicing law since 2008, John C. Hubbard brings nearly two decades of experience to consumer-protection and injury cases.
A Reputation You Can Trust
Our firm is an active member of the Birmingham Bar Association and the Consumer & Commercial Law Section of the State Bar of Texas, and stays engaged with the broader legal community to better serve our clients.