If you want any of the handouts or templates, just let me know -- www.alabamaconsumer.com/contact-us/

This is the best and most comprehensive video on debt validation letter structure on the internet!!! Thank you Mr Watts!

Can I just say YOU ROCK 🎉 love learning. Defended myself from Midland who sued me and I was prepared in court because of YOU! Waiting next court date for Midland attorney to provide everything you suggested! I am disabled SSI do not work. My husband retired SS only. Live in NY and they came out of nowhere or warning and flagged my credit report without telling me. Filed compliant to Attorney General. Debts 3 years now and they are switching false record a bill dated 2020 never saw This bill . I not gotta anything and credit card was opened 2018!! Over 5 years. Very reassuring that you give me my dots in a row! Bless you for that. Keep yea updated

Mister, you are handsome, smart and kind. Thank you for those videos!

This was so awesome. Thank you so much for sharing this & all your videos. Very helpful for people like me who didn’t know where to start.

thank you for this enlightening information! there;s so much misinformation online. appreciate you!

You’ve helped me in the past from just watching your videos, definitely tapping in.

love that your still roll tide strong 💪 . I beat many a cases because of you !

Thank you for sharing your knowledge. There is plenty of case law post Spokeo, regarding violations of the FDCPA, article III standing and concrete injury, whether tangible or intangible.

Yo, thanks for all the FDCPA videos. Really good information.

i appreciate you making this video and helping people out

Wish You Were In Maryland!! Very Good Instructor!!

Thank you so much for this! I have a couple of people that I am referring your services to.

You are great! Thanks for the information!!

I like this information!!!!!!!!!!

Great info, John. Thanks

Great presentation

I’m in GA

You know it does is that we got to do snail mail and go to the post office I think they do have a service that does notarizing and change 36:26 36:26 36:27 36:28 36:31

What will you do when consumer reporting agencies are obliterated by congress and the carbon score goes into affect?

Request for validation and request for verification are completely different letters for different information each one has its own implications

Good Afternoon, I just wanted to know about your handouts and 3 FDCPA dispute templates. Thank you.

Would you say a traffic violation is a consumer credit transaction and if so, can it be fought in that way?

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In the law it states a cease and desist prohibits collectors from communicating with you unless it is to validate the debt or to tell you they are no longer pursuing the debt collection on you. It's under cease and desist

Do you get money up-front from customers or only if they win you take a percentage?

Do you sue to reporting agencies too?

Do I have the right to and how do I ask for a complete payment history on a federal student loan account? My accounts are continually reaged with payments that I didn't make. If I made these payments then how much did I pay and what impact did it have on what I owe. If these guys are reporting inaccuracies and reaging an account can I sue them even if they're a federal collection agency? If anything they should be held to a higher standard. I would like to pay them off but what's the incentive if they're going to continue to haunt me on my credit report and if I pay them off wouldn't that constitute activity on the account and then cause it to remain on my account for 7 years when at least now it's been over 7 years since any activity. Any thoughts would be greatly appreciated and your videos are among the best and most informative that I have found.

Great information glad I found your channel. Question what if the collection company sends you a contract will a false or forged signature on it...can I sue or what would be a response?

Can a debtor who bought the account add interest on the amount owed by the original debtor? I have 3 that keeps going up and up each month.

I went to court house today for a summons on a 3rd party debt civil case. Cavalry llc assignment from city bank. The lawyers are Mark Johnson lawyer/debt collector. The clerk said there in no court today (covid) ? No court case # on summons. Clerk said call the lawyer and work something out. I did not file a answer. Don't want to give them authority or jurisdiction. Want to file a motion to dismiss ! They would not give me any proof of me showing up can a judgment be made today??

I have never received at hand a summon ,on all my summons they were issued without an envelope to relatives and my tenants to give to Me ,last week a 3rd summon was issued without an envelope.according to people who received the summons ,please assist and I'm dated to be in court on the14May 2024 at 10:00 S.A time

Thanks for such great information. Where can I request a full credit report and what is a good platform to check my score consistently?

I want to use my channel to spread your message to more viewers

Hello, what if the collection has been paid with zero balance but they refuse to “delete” from the credit bureaus. We need these deleted because they are still negatively impacting the FICO score? I didn’t know to send a “pay for delete” letter in the very beginning. Thank you !!

Hi Mr.John I disputed several times and I request proof of documents signature and they didn’t provide anything they just sent me statements and they said they investigated it and there conclusion was the I owe the debt even when I told them the someone is using my information and they apdade the account.

Are you only able to practice in Alabama, is there a recommendation for Utah state if you only practice in Alabama

Happy new year, thank you for the info. Can i write to the debt collector to dispute, validate and just communicate by email?

I have a question. What can I do if a court order has incorrect information ?

I would like to apply to work for you

I was served and a judgement was entered against me , I had some family problem I never responded to it so they are garnishing my wages , the problem is I have never heated from them to dispute the debt , I called they said I had a lawyer that’s why they never sent any lettter , but I have never had a lawyer though , should I sue them

You say you can sue debt buyers for consumers who live out of state. I may have a case against halsted financial who evidently represented lvnv .i live in west Virginia.

Hello John, I love your videos. I need your advice please, about 3 years ago my life changed drastically I went from having a great credit to sinking in debt now. I have Charge off with BOA totalling 32k and chase 9k, BOA is over charguing me no one is or had done anything to me yest as it pertains to collecting, but I cant continue guessing or asuming what will happen next so considering filing for bankruptcy as I don't see any way out other than that if not my credit will never be ok again.

I already got sue for a credit card but I was wondering when I tried to make a a payment over the phone the guy told me if I didn’t pay the amount they wanted they were going to sue me before I got sue is that legal for them to do that ? Probably a stupid question? But it always bug me?

What about debt for a defunct business that you signed personally for?

Good Afternoon, this is Anthony Wright, I just to know how can I receive your 3 FDCPA dispute letters. Thank you.

Do you think metro2 is a more effective way of disputing?

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Do you know any good lawyers in toledo ohio area? In this area of law?

How do you go about studying the law? With the legalese, as we all know, the language is construed in a way that makes it difficult to understand what they’re actually stating

Is there a lawyer you can refer me to in California ? I have to respond to a lawsuit from portfolio.

What about a medical bill sent to collections and I dispute it with the collection company and I told them to verify and they come back with verification but with the actual procedures done I'm pretty sure the hospital isn't allowed to give them that info am I wrong?

If a debt collector sent me a letter but it's not enough proof to validate my debt how long until I can send a second letter to them saying they failed and give them another chance to submit my demands

What would be the difference between Michigan and Alabama Consumer Protection Lawyers.

I’m in jersey

Can’t put a time limit in a conditional acceptance?

shared

so if an original creditor sues you they do not fall under he FDCPA???

Do you have any information on Texas? I notice these letters are for Alabama?

how much do you charge to fix my cedit

Do you have a good lawyer in Houston Texas ?? Definitely need one!

Hi, my original creditor sold incorrect debt to the collection company. Now I have a collection on all 3 credit report and the amount is incorrect. I payed (my insurance company did) the original creditor earlier and I have proof. What is the FIRST step to me to dispute the debt and remove it from my credit report ? Should I contact the original creditor about their mistake or to the bureaus or the collection agency?

Atty. please answer this question, my NAME on the DEBT was my former name and I change my name when i got my citizenship, so can the debt collector still have the right to collect. This debt is sold 2 times. I transfer to 3 Addresses and this debt collector is still following me to collect the debt. this debt is almost 3 yrs old.

they can't report without written permission of the consumer according to the law.

I've left 3/4 messages with your secretary but you never got back to me. Why do you ask for people to contact you when you never respond?

Can I get a copy of the credit repair series

They called me and I asked them to show me the wet signature contract between myself and them.. uh, one does not exist! NO YOU DON"T NEED A LAWYER! Matter of fact, it could hurt you.

I need a lawyer as yourself..

Listen to him he helped me delete over 55k of debt

Can you sue child support under the fdcpa?

Standard of care and I believe the other person would be fraud who lied and with held info available they had atm

My guy

Do you suit professionals in Canadian?

The "Need Help? Contact Us Here" link is broken on your website. Or maybe it's a problem with the settings on my computer? Have an email address?

I have a serious problem a debt collection agency has alleged debt against me of 600$ from a allegeded plumbing bill but this debt isnt documented or have my signature and i know that for a fact. The first contact i got from the debt collection was a letter saying because i failed to responed the debt which has been validated it. I checked everywhere for the warning letter and it doesnt exist my first contact was them literally saying i failed to contact their first letter so my chance to dispute is over? i believe the company did some shady stuff and i dont know what to do because i think i cant dispute anymore because of what they did. please respond asap if you can!!! i would appreciate it alot

What if a creditor report a debt as charged off but hasn’t submitted a 1099c to the IRS by the required January 31st date is that a violation?

Hello John,A dapt collectors contacted me by mail for adebt(rent arear),I sent a disput letter they respond by sending a statement not correct and a tenacy agreement,and they dont want to send a purchase agrement or something to prove their autority to collect. Can you explain what to do?and its not me the garontor ,please can you tell me what to do ,please.

Okay I brought my rounds bring me to court and they were representing I say capital or City Bank one of those and he would show up and use it right without the first time I didn't show up 🥈 }😭 on {and 9time you love us

Thanks for the info. Can i give my email address to the debt collector for them to communicate with me and not to call?