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In Texas, a repo agent can\’t breach the peace to take your car. Learn what that means, when a repossession is illegal, and your rights. Free consultation.

A mixed filed is when credit information from one person in incorrectly placed in the credit file of another person.  For instance, a person named John A. Smith living in Dallas, Texas may pull his credit report and see a debt collector reporting an eviction debt belonging to a “John Smith” living in Houston, Texas.

Sued for account stated? Learn what this common debt-collection claim means, how to respond, and your defenses in Texas and Alabama. Free consultation.

Facing repossession? Learn your rights before, during, and after a repo in Texas and Alabama, and when a repossession is illegal. Free consultation.

Almost never about the debt itself. Under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692c(b), a debt collector may not discuss your debt with anyone except you, your spouse, your attorney, the creditor and its attorney, and credit bureaus. Your mother, your adult kids, your coworkers, your neighbors: off limits. A collector who

Wrongly reported as deceased on your credit report? Learn how to dispute this serious FCRA error with the bureaus and restore your credit. Free consultation.

Served with a debt-collection lawsuit in Alabama? Learn how many days you have to respond and why answering on time protects you. Free consultation: 205-378-8121.

Found mistakes on your credit report? Learn exactly where and how to dispute errors with Equifax, Experian, and TransUnion under the FCRA. Free consultation.