Consumer & Injury Law Blog

A repossession agent can\’t break the peace to take your vehicle. Learn what crosses the legal line and what damages you may recover. Free consultation.

Have you ever applied for a mortgage only to be denied or had a worse deal due to inaccurate information on your credit report? Your credit report is one of the most important documents in obtaining a home loan. Any inaccuracies contained in the document can result in significant delays, a higher interest rate, or

Three rules protect you today, and they came from the bureaus themselves, not Washington. Since 2022-2023, the three national credit bureaus do not report paid medical collections at all, do not report medical collections under $500, and wait a full year after an account goes to collections before it can appear. If a paid medical

Most people know the the Truth in Lending Act from the disclosure requirements on the front end. It requires credit grantors to disclose certain information to borrowers so they can make informed decisions about their loans. This includes information such as finance charges, annual percentage rate (APR), and the total amount that you have to

Repossessions are a commonly used way for creditors to reclaim their property when borrowers allegedly fail to make payments — also known as defaulting on the agreement. People facing a repossession often experience stress and these situations can be frightening when the repo man shows up. In Alabama, breach of the peace actions while attempting

Are you being affected by same name credit report errors? For those who share identical — or even close — names with someone else, the possibility of having their credit report mixed up with another person’s can become a reality. With so much at stake for your financial well-being, any errors made on your report

In 2019, over 16 million U.S. consumers were victims of identity fraud and other forms of credit card theft – and the problem continues to grow. One of the most common forms of identity theft is credit card fraud—unauthorized charges made to a person’s account. It is usually impossible for someone who’s been a victim

Repossession with a clean title happens more often than expected. It usually occurs when a previous owner of the vehicle allows a secured party to place a lien on the vehicle, the vehicle is sold/auctioned in manner that clears the title, but the lender fails to update their system. Then the old lender has the

With the increase rise in electric funds transfers instead of paper checks, the Electronic Fund Transfer Act continues to grow more important. The EFTA’s purpose is to protect consumers and their electronic transfers. Recently, a couple of new developments have arisen. Yesterday, the Consumer Finance Protection Board took action against Choice Money Transfer for alleged

Americans are lodging more complaints regarding mistakes, errors, and other inaccurate information on their credit reports than before. As CBS News reports: Credit score concerns accounted for slightly more than half of all complaints sent to the federal agency in 2020 and 2021, the nonprofit consumer advocacy group found. But during the first half of