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Alabama Collections Legal Questions

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7 legal questions have been posted about collections by real users in Alabama. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include debtor and creditor, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Alabama Collections Questions & Legal Answers
Do you have any Alabama Collections questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 7 previously answered Alabama Collections questions.
Collections
Alabama

Recent Legal Answers

Am I liable for a debt sold to a third party collection agency - AL

Answered 7 years and 7 months ago by Mr. Matthew Anderson Dunaway (Unclaimed Profile)   |   1 Answer
These types of cases are very common.  It is perfectly legal to sell a debt to a 3rd party and that 3rd party can then sue to collect.  The good news is that, if handled properly, these types of cases can be successfully defended (and often won) in Court.  Please feel free to call or email me if you would like to discuss your case in detail.  ... Read More
These types of cases are very common.  It is perfectly legal to sell a debt to a 3rd party and that 3rd party can then sue to collect.  The... Read More

Can I sue Wells Fargo

Answered 9 years and 9 months ago by Mr. Matthew Anderson Dunaway (Unclaimed Profile)   |   1 Answer
I'm not sure what your question is, but here are a few thoughts:  Was the car insured at the time of the wreck?  If so,  why were you sued?  For there to be a garnishment, there must have been a lawsuit...when & where was the lawsuit filed?  Who is the collection agency?  What are you trying to accomplish...stop the garnishment, figure out the balance, or something else?... Read More
I'm not sure what your question is, but here are a few thoughts:  Was the car insured at the time of the wreck?  If so,  why were you... Read More

can a creditor still add a recovery/repo fee if you sold the vehicle and paid loan off before repossession occured

Answered 9 years and 9 months ago by Mr. Matthew Anderson Dunaway (Unclaimed Profile)   |   1 Answer
Who is the creditor?  How was the payment of the $7,500 made to the creditor?  At the time you made the payment, did the creditor give you any indication that more was owed on the account?  Were you given the title to the vehicle?  Has the creditor given you an itemized bill stating all the fees charged?  How long after you made the payment was it before you were told more was owed on the account?... Read More
Who is the creditor?  How was the payment of the $7,500 made to the creditor?  At the time you made the payment, did the creditor give you... Read More

Debt paid in full

Answered 9 years and 10 months ago by Mr. Matthew Anderson Dunaway (Unclaimed Profile)   |   1 Answer
According to your question, it appears the collection attorney is aware the debt has been paid.  If the collection attorney refuses to dismiss the case, you will need to show up at Court with your proof of payment and show it to the Judge.  Hopefully, the Judge will agree to dismiss the case without requiring you to pay the Court costs.  For future reference, once you've been sued, or a creditor is represented by an attorney, you should communicate with the attorney and not with the creditor directly.  ... Read More
According to your question, it appears the collection attorney is aware the debt has been paid.  If the collection attorney refuses to dismiss... Read More

Will i be arrested for a 2008 payday loan that ikeep getting emails about starting today. Iwas told iwill be arrested in 3 hours if i don't send it

Answered 9 years and 10 months ago by Mr. Matthew Anderson Dunaway (Unclaimed Profile)   |   1 Answer
No, you will NOT be arrested for a payday from 2008.  It is very common for payday loans to be sold to debt collectors who will use almost any tactic necessary to collect the debt, including threatening arrest or litigation.  In Alabama, you will NOT be arrested for not paying a payday loan.  If the loan was originated in 2008, it's likely the statute of limitations has passed and they cannot sue you.  The person/debt collector calling you may not even legally own the debt or have a right to collect it.  ... Read More
No, you will NOT be arrested for a payday from 2008.  It is very common for payday loans to be sold to debt collectors who will use almost any... Read More

My wife had a Citibank Credit Card in her name only. Citibank Collectors are asking for a Summary Judgement. Does not work, no assets.

Answered 13 years and 7 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
You should immediately contact a local consumer rights attorney to discuss your situation.  There are exemptions to judgments from which your wife may be able to use to preserve her assets.  Most consumer rights attorneys offer free initial consultations, and it would be wise to contact a local attorney to determine how to proceed. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies. ... Read More
You should immediately contact a local consumer rights attorney to discuss your situation.  There are exemptions to judgments from which your... Read More

Ho can i find out if the company that is garnishing me is doing it legally. The statue of limitation ran out on the credti card 2 years.

Answered 13 years and 10 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
You should contact a consumer right's attorney, or a bankruptcy attorney (many bankruptcy attorneys are familiar with collections law, and how to handle garnishments). This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read More
You should contact a consumer right's attorney, or a bankruptcy attorney (many bankruptcy attorneys are familiar with collections law, and how to... Read More
Collections
Alabama

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