Blog

How Alabama uninsured and underinsured motorist coverage works: stacking, Lambert notice, Lowe opt-out, and the deadlines that apply.

From the scene through treatment, demand, suit, mediation and settlement: what happens at each stage and what you should do.

Left turn collisions, the helmet question, contributory negligence, and finding enough insurance to cover a serious motorcycle injury.

Written by John C. Hubbard, Attorney · Licensed in Alabama and Texas · Last updated July 2026 Quite possibly. A deficiency balance is only as good as the math and the process behind it, and lenders get both wrong more often than most people expect. If the lender skipped required notices, sold the car unreasonably,

Written by John C. Hubbard, Attorney · Licensed in Alabama and Texas · Last updated July 2026 If a repossession is being reported inaccurately on your credit report, you have the right to dispute it under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. And if the false information survives that process,

Finding an unauthorized charge on your credit card can be stressful. It may be a small online subscription you never approved, a purchase from a website you never visited, or a large charge from a company you do not recognize. Sometimes the card issuer fixes the problem quickly. Other times, the bank denies the dispute,

Can a Repo Company Take Your Car From Your Property? If you are behind on your car payments, you may worry that a repossession company can show up at any time and take your vehicle. One of the most common questions consumers ask is whether a car can be repossessed from a driveway, garage, backyard,

If you’ve discovered unfamiliar charges on your credit card, especially from online purchases you never made, you’re not alone. Internet fraud, data breaches, and unauthorized transactions have become increasingly common. The good news is that federal law provides strong protections for consumers in exactly this situation. One of the most important of these protections comes

1. Debt Collection Complaints Are Surging Nationwide A recent investigative report by WBRC found that debt collection complaints have skyrocketed in recent years, with some analyses showing complaints increasing 3–5x compared to prior years. The report also noted: Similarly, coverage in the The Dallas Morning News highlighted that: Why This Matters (FDCPA) Most of these

Finding accounts or debts on your credit report that you never opened is a red flag for identity theft. Identity theft happens when someone hijacks your personal information (name, SSN, driver’s license, etc.) to open credit and run up debt in your name. For example, USA.gov warns that if you see accounts or inquiries you didn’t