Consumers’ financial rights are protected by federal and state laws and regulations covering many services offered by financial institutions. If you believe your rights have been violated; this is a MUST READ! You can find out what agency can help you with a specific complaint. Federal Laws Adjustable-Rate Mortgage Loans Adjustable-rate mortgage loans
Small claims court is a quick, informal and low cost way to resolve disputes over money debts. The court considers and resolves cases involving money debts only and the amount considered varies by State and may range from a low of $2000 to a high of $15,000. (call your local court to verify the amount).
Alabama Procedural Requirements To obtain a writ of garnishment, a judgment creditor must make, before an officer authorized to administer oaths, and file, with the clerk of the court in which the judgment was entered, an affidavit stating the amount due from the judgment debtor to the judgment creditor, that process of garnishment is believed
“Junk Debt Buyers” are collection agencies that purchase bad debt! They are working for themselves because they now “own” the debt. “Contingency” collection agencies work as agents for another company to collect a debt. A junk debt buyer may also be in the contingency collection business OR they may contract with a contingency agency. Junk
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. Creditors and debt collectors have a limited time window in which to sue debtors for nonpayment of debt. The limit