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		<title>John C. Hubbard, LLC</title>
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			<title>Unlocking the Secret to Removing Unauthorized Hard Inquiries: A Comprehensive Guide</title>
			<pubDate><![CDATA[Wed, 31 Jan 2024 16:29:49 +0000]]></pubDate>
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			<title>Wrongly Accused of Owing a Debt? How the FDCPA Protects You and What You Can Do About It</title>
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			<title>Mental Anguish Damages in Wrongful Repossession Cases</title>
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			<title>Disputed Liability Car Wreck Claims</title>
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			<title>Fraud or Unauthorized Charges on Your Credit Card? Here’s What to Do Under TILA (Texas &#038; Alabama Consumers)</title>
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			<title>October EFTA News 2022</title>
			<pubDate><![CDATA[Wed, 05 Oct 2022 16:35:57 +0000]]></pubDate>
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			<title>Repossession with Clean Title</title>
			<pubDate><![CDATA[Wed, 04 Jan 2023 15:47:02 +0000]]></pubDate>
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			<title>Understanding 15 U.S.C. § 1692f(6): Protection Against Wrongful Repossession</title>
			<pubDate><![CDATA[Wed, 02 Apr 2025 18:44:31 +0000]]></pubDate>
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			<title>Navigating Attorney&#8217;s Fees Under the Truth in Lending Act for Unauthorized Use Claims</title>
			<pubDate><![CDATA[Tue, 29 Aug 2023 21:27:15 +0000]]></pubDate>
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			<title>How Does the Texas Debt Collection Act Apply to Consumers?</title>
			<pubDate><![CDATA[Tue, 21 Mar 2023 14:06:22 +0000]]></pubDate>
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			<title>Credit Reporting Errors on the Rise</title>
			<pubDate><![CDATA[Tue, 20 Sep 2022 16:52:59 +0000]]></pubDate>
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			<title>Understanding 15 U.S.C. § 1681n: Civil Liability for Willful Noncompliance</title>
			<pubDate><![CDATA[Tue, 13 May 2025 15:22:11 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/alabama-breach-of-the-peace-repossessions/]]></guid>
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			<title>Alabama Breach of the Peace Repossessions</title>
			<pubDate><![CDATA[Tue, 10 Jan 2023 20:25:30 +0000]]></pubDate>
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			<title>What to Do If You Find Errors on Your Credit Report When Buying a Car</title>
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			<title>What Counts as a Breach of the Peace in a Repo?</title>
			<pubDate><![CDATA[Tue, 07 Mar 2023 15:20:01 +0000]]></pubDate>
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			<title>Available Damages When Your Car has been Wrongfully Repossessed</title>
			<pubDate><![CDATA[Tue, 06 Jun 2023 15:06:09 +0000]]></pubDate>
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			<title>Consumer Law Blog</title>
			<pubDate><![CDATA[Tue, 05 Jun 2018 00:46:33 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/legal-remedies-for-incorrect-apartment-lease-on-your-credit-report-your-guide-to-resolving-the-issue/]]></guid>
			<link><![CDATA[https://jch-law.com/legal-remedies-for-incorrect-apartment-lease-on-your-credit-report-your-guide-to-resolving-the-issue/]]></link>
			<title>Legal Remedies for Incorrect Apartment Lease on Your Credit Report: Your Guide to Resolving the Issue</title>
			<pubDate><![CDATA[Thu, 28 Dec 2023 19:21:48 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/contributory-negligence-and-comparative-negligence-in-car-wrecks/]]></guid>
			<link><![CDATA[https://jch-law.com/contributory-negligence-and-comparative-negligence-in-car-wrecks/]]></link>
			<title>Contributory Negligence and Comparative Negligence in Car Wrecks</title>
			<pubDate><![CDATA[Thu, 27 Jul 2023 18:06:33 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/the-importance-of-uninsured-motorist-coverage-your-safety-net-in-the-world-of-auto-accidents/]]></guid>
			<link><![CDATA[https://jch-law.com/the-importance-of-uninsured-motorist-coverage-your-safety-net-in-the-world-of-auto-accidents/]]></link>
			<title>The Importance of Uninsured Motorist Coverage: Your Safety Net in the World of Auto Accidents</title>
			<pubDate><![CDATA[Thu, 24 Aug 2023 20:03:12 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/motorcycle-accident-claims-and-lawsuits/]]></guid>
			<link><![CDATA[https://jch-law.com/motorcycle-accident-claims-and-lawsuits/]]></link>
			<title>Motorcycle Accident Claims and Lawsuits</title>
			<pubDate><![CDATA[Thu, 19 Jan 2023 17:28:53 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/disputed-debt-fcra-credit-report-attorney-guide/]]></guid>
			<link><![CDATA[https://jch-law.com/disputed-debt-fcra-credit-report-attorney-guide/]]></link>
			<title>Disputed Debt? FCRA, Credit Report &amp; Attorney Guide</title>
			<pubDate><![CDATA[Thu, 18 Jan 2024 21:29:06 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/introduction-to-alabama-car-wreck-claims/]]></guid>
			<link><![CDATA[https://jch-law.com/introduction-to-alabama-car-wreck-claims/]]></link>
			<title>Introduction to Alabama Car Wreck Claims</title>
			<pubDate><![CDATA[Thu, 12 Jan 2023 20:45:57 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/identify-theft-of-credit-card/]]></guid>
			<link><![CDATA[https://jch-law.com/identify-theft-of-credit-card/]]></link>
			<title>Identify Theft of Credit Card</title>
			<pubDate><![CDATA[Thu, 05 Jan 2023 14:44:30 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/understanding-forced-placed-insurance-and-wrongful-repossession-a-legal-perspective/]]></guid>
			<link><![CDATA[https://jch-law.com/understanding-forced-placed-insurance-and-wrongful-repossession-a-legal-perspective/]]></link>
			<title>Understanding Forced Placed Insurance and Wrongful Repossession: A Legal Perspective</title>
			<pubDate><![CDATA[Mon, 29 Jan 2024 19:57:15 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/inaccurate-credit-report-information-under-15-u-s-c-§-1681i/]]></guid>
			<link><![CDATA[https://jch-law.com/inaccurate-credit-report-information-under-15-u-s-c-§-1681i/]]></link>
			<title>Inaccurate Credit Report Information Under 15 U.S.C. § 1681i</title>
			<pubDate><![CDATA[Mon, 28 Apr 2025 14:21:25 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/protecting-your-rights-debt-collectors-contacting-your-friends-and-neighbors/]]></guid>
			<link><![CDATA[https://jch-law.com/protecting-your-rights-debt-collectors-contacting-your-friends-and-neighbors/]]></link>
			<title>Protecting Your Rights: Debt Collectors Contacting Your Friends and Neighbors</title>
			<pubDate><![CDATA[Mon, 20 Nov 2023 15:18:42 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/how-a-stolen-social-security-number-can-lead-to-credit-report-problems/]]></guid>
			<link><![CDATA[https://jch-law.com/how-a-stolen-social-security-number-can-lead-to-credit-report-problems/]]></link>
			<title>How a Stolen Social Security Number Can Lead to Credit Report Problems</title>
			<pubDate><![CDATA[Mon, 18 Sep 2023 15:17:40 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/]]></guid>
			<link><![CDATA[https://jch-law.com/]]></link>
			<title>Homepage</title>
			<pubDate><![CDATA[Mon, 16 Mar 2026 20:09:12 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/identity-theft-errors-on-your-credit-report-how-to-fix-them-consumer-guide/]]></guid>
			<link><![CDATA[https://jch-law.com/identity-theft-errors-on-your-credit-report-how-to-fix-them-consumer-guide/]]></link>
			<title>Identity Theft Errors on Your Credit Report: How to Fix Them (Consumer Guide)</title>
			<pubDate><![CDATA[Mon, 16 Mar 2026 18:59:29 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/deceptive-trade-practices-in-the-realm-of-car-warranties/]]></guid>
			<link><![CDATA[https://jch-law.com/deceptive-trade-practices-in-the-realm-of-car-warranties/]]></link>
			<title>Deceptive Trade Practices in the Realm of Car Warranties</title>
			<pubDate><![CDATA[Mon, 13 Nov 2023 16:30:12 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/how-credit-report-errors-can-impact-the-mortgage-process/]]></guid>
			<link><![CDATA[https://jch-law.com/how-credit-report-errors-can-impact-the-mortgage-process/]]></link>
			<title>How Credit Report Errors Can Impact the Mortgage Process</title>
			<pubDate><![CDATA[Mon, 13 Feb 2023 16:23:20 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/consumer-auto-repossessions-continue-to-rise/]]></guid>
			<link><![CDATA[https://jch-law.com/consumer-auto-repossessions-continue-to-rise/]]></link>
			<title>Consumer Auto Repossessions Continue to Rise</title>
			<pubDate><![CDATA[Mon, 12 Sep 2022 17:41:20 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/introduction-to-credit-report-disputes/]]></guid>
			<link><![CDATA[https://jch-law.com/introduction-to-credit-report-disputes/]]></link>
			<title>Introduction to Credit Report Disputes</title>
			<pubDate><![CDATA[Mon, 09 Jan 2023 15:09:42 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/car-damaged-during-repossession-how-consumers-can-get-reimbursed/]]></guid>
			<link><![CDATA[https://jch-law.com/car-damaged-during-repossession-how-consumers-can-get-reimbursed/]]></link>
			<title>Car Damaged During Repossession? How Consumers Can Get Reimbursed</title>
			<pubDate><![CDATA[Mon, 08 Dec 2025 15:29:56 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/cra-date-of-first-delinquency-its-importance-potential-errors-and-how-to-correct-them/]]></guid>
			<link><![CDATA[https://jch-law.com/cra-date-of-first-delinquency-its-importance-potential-errors-and-how-to-correct-them/]]></link>
			<title>CRA Date of First Delinquency: Its Importance, Potential Errors, and How to Correct Them</title>
			<pubDate><![CDATA[Mon, 06 Nov 2023 16:47:24 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/understanding-fdcpa-violations-when-a-repo-company-takes-your-car-with-a-clear-title/]]></guid>
			<link><![CDATA[https://jch-law.com/understanding-fdcpa-violations-when-a-repo-company-takes-your-car-with-a-clear-title/]]></link>
			<title>Understanding FDCPA Violations: When a Repo Company Takes Your Car with a Clear Title</title>
			<pubDate><![CDATA[Mon, 04 Nov 2024 21:39:04 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/punitive-damages-under-the-fair-credit-reporting-act-a-starter-guide-for-consumers/]]></guid>
			<link><![CDATA[https://jch-law.com/punitive-damages-under-the-fair-credit-reporting-act-a-starter-guide-for-consumers/]]></link>
			<title>Punitive Damages under the Fair Credit Reporting Act: A Starter Guide for Consumers</title>
			<pubDate><![CDATA[Mon, 03 Jul 2023 17:37:09 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/the-impact-a-ftc-identity-theft-report-can-have-on-a-credit-report-dispute/]]></guid>
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			<title>The Impact a FTC Identity Theft Report Can Have on a Credit Report Dispute</title>
			<pubDate><![CDATA[Mon, 03 Apr 2023 14:56:45 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/credit-card-disputes-under-tila-what-to-do-when-paid-services-arent-delivered-as-agreed/]]></guid>
			<link><![CDATA[https://jch-law.com/credit-card-disputes-under-tila-what-to-do-when-paid-services-arent-delivered-as-agreed/]]></link>
			<title>Credit Card Disputes under TILA: What to Do When Paid Services Aren&#8217;t Delivered as Agreed</title>
			<pubDate><![CDATA[Mon, 02 Oct 2023 16:27:15 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/debt-collectors-and-zombie-debt/]]></guid>
			<link><![CDATA[https://jch-law.com/debt-collectors-and-zombie-debt/]]></link>
			<title>Debt Collectors and Zombie Debt</title>
			<pubDate><![CDATA[Fri, 23 Feb 2024 14:15:02 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/the-nuances-of-efta-and-tila-impacts-on-debit-and-credit-cards/]]></guid>
			<link><![CDATA[https://jch-law.com/the-nuances-of-efta-and-tila-impacts-on-debit-and-credit-cards/]]></link>
			<title>The Nuances of EFTA and TILA: Impacts on Debit and Credit Cards</title>
			<pubDate><![CDATA[Fri, 20 Oct 2023 15:08:48 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/truth-in-lending-act-and-identity-theft/]]></guid>
			<link><![CDATA[https://jch-law.com/truth-in-lending-act-and-identity-theft/]]></link>
			<title>Truth in Lending Act and Identity Theft</title>
			<pubDate><![CDATA[Fri, 20 Jan 2023 15:23:50 +0000]]></pubDate>
		</item>
					<item>
			<guid><![CDATA[https://jch-law.com/alabama-deceptive-trade-practices-act/]]></guid>
			<link><![CDATA[https://jch-law.com/alabama-deceptive-trade-practices-act/]]></link>
			<title>Alabama Deceptive Trade Practices Act</title>
			<pubDate><![CDATA[Fri, 12 May 2023 15:37:54 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://jch-law.com/hurt-by-a-business-in-texas-know-your-rights-under-the-deceptive-trade-practices-act-dtpa-chapter-17/]]></guid>
			<link><![CDATA[https://jch-law.com/hurt-by-a-business-in-texas-know-your-rights-under-the-deceptive-trade-practices-act-dtpa-chapter-17/]]></link>
			<title>Hurt by a Business in Texas? Know Your Rights Under the Deceptive Trade Practices Act (DTPA), Chapter 17</title>
			<pubDate><![CDATA[Fri, 11 Apr 2025 15:44:42 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/what-to-expect-at-a-personal-injury-deposition-a-guide-for-victims/]]></guid>
			<link><![CDATA[https://jch-law.com/what-to-expect-at-a-personal-injury-deposition-a-guide-for-victims/]]></link>
			<title>What to Expect at a Personal Injury Deposition: A  Guide for Victims</title>
			<pubDate><![CDATA[Fri, 07 Jul 2023 15:48:03 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/understanding-tila-disclosures-when-buying-a-new-car/]]></guid>
			<link><![CDATA[https://jch-law.com/understanding-tila-disclosures-when-buying-a-new-car/]]></link>
			<title>Understanding TILA Disclosures When Buying a New Car</title>
			<pubDate><![CDATA[Fri, 06 Sep 2024 14:33:32 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/same-name-credit-report-errors/]]></guid>
			<link><![CDATA[https://jch-law.com/same-name-credit-report-errors/]]></link>
			<title>Same Name Credit Report Errors</title>
			<pubDate><![CDATA[Fri, 06 Jan 2023 17:29:31 +0000]]></pubDate>
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			<guid><![CDATA[https://jch-law.com/disputing-inaccurate-medical-debt-on-credit-reports/]]></guid>
			<link><![CDATA[https://jch-law.com/disputing-inaccurate-medical-debt-on-credit-reports/]]></link>
			<title>Disputing Inaccurate Medical Debt on Credit Reports</title>
			<pubDate><![CDATA[Fri, 03 Feb 2023 17:15:43 +0000]]></pubDate>
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