johnchubbard

When a debt buyer or debt collector sues a consumer, it must prove it owns the debt and the amount is correct. ...

Identification Requirements When Disputing Credit Report Errors

11 Jun 2018

Disputing credit report errors starts when consumers find errors on their Experian, Equifax, and TransUnion (also known as credit reporting agencies or CRAs)...

I have been sued for a claim under Account Stated, what does that mean?

08 Jun 2018

johnchubbard

Earlier this week, we discussed the statute limitations for account stated and other claims creditors and debt buyers use. Account stated is...

New In Depth Advice on Motor Vehicle Car Repossessions

07 Jun 2018

johnchubbard

The National Consumer Law Center has published a new in depth article on helping consumers prevent car repossessions and what to do in...

What are the debt statute of limitations in Texas and Alabama?

06 Jun 2018

johnchubbard

Alabama Statute of Limitations There are several different claims a creditor or debt buyer can bring in a consumer debt type lawsuit...

Higher Debt Levels in Texas May Lead to Improper Debt Collection

05 Jun 2018

johnchubbard

A recent study found that Texas has above average credit card debt and one of the highest levels of credit card delinquency:...

When can debt collectors contact my family?

04 Jun 2018

johnchubbard

One of the strongest provisions under the Fair Debt Collection Practices Act is the prohibition against debt collectors contacting people other than...