Avvo Rating:
☆☆☆☆☆
★★★★★
Rated 5.0 out of 5
Firm: John C. Hubbard, LLC
351 24th St N , Birmingham , Alabama 35203
Practice Areas: Consumer Protection, Credit Repair, Debt Agreements, Car Accident, Personal Injury, Landlord & Tenant, Lemon Law
Civil litigation practice focusing on consumer protection issues including: debt collection harassment, credit reporting errors, wrongful repossession, debt defense, and unfair business practices
Firm: Phillips Law Group, LLC
PO Box 362001 , Hoover , Alabama 35236
Practice Areas: Credit Repair
Phillips Law is actively involved in litigating cases against servicers
and lenders of residential mortgage loans which wrongfully foreclose upon homeowners. There are
defenses available to homeowners who are victims of wrongful
foreclosure as well as counter-claims homeowners can assert against the
foreclosing servicer and lender.. Phillips Law also aggressively pursues relief for consumers who have been victimized by identity theft. Identity theft can be devastating to a consumer causing a victim to pay higher interest rates on everything from credit cards to home loans, higher insurance premiums, and there is even the possibility of being arrested for a crime they did not commit!. Phillips Law represents consumers who have been sued by debt buyers. Debt buyers are those entities which buy old debts, typically credit card debts, and attempt to collect from consumers on these accounts. These accounts are traded often and, frequently, the debt buyers do not have the proper paperwork or information to file a lawsuit against a consumer, yet they do anyway.
If you have been sued by a collection agency and any of the following apply to you, you may have a defense to the collector's claims:
* You have not paid on the account for at least 3 years;
* The account is not your account; or
* The debt the collector is attempting to collect is included in an active Chapter 13 bankruptcy or the debt was previously discharged in a bankruptcy case.
