Our firm focuses on protecting the rights of individuals who have been wronged or injured by filing individual or class action cases.  We protect consumers using many of the available consumer protection statutes, such as the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and Truth In Lending Act (TILA).  We fight for consumers rights against large corporations that take advantage of consumers.  We also file Chapter 7 and 13 bankruptcies for Alabamians and look to protect consumers from mortgage and foreclosure abuses.

• We are currently reviewing cases of mortgage fraud involving loan modifications made under the Home Affordable Modification Program (HAMP), or any other type of modification with mortgage companies such as Bank of America, Wells Fargo and Chase.  If you believe you are a victim, please contact us immediately to discuss your options.

If you are having mortgage or credit problems, and need to stop a foreclosure or file bankruptcy, please call us for a free consultation  1-251-432-9212 or 1-251-990-5558 or email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

The Federal Court in the Southern District of Alabama has Denied Citi’s Motion to Dismiss a case our firm has brought on behalf of consumers.

Plaintiffs, William and Loretta Squires, brought this action against defendant, BAC Home Loans Servicing, LP, alleging a single violation of the Truth-in-Lending Act, 15 U.S.C. §§ 1601 et seq. (“TILA”).  Plaintiffs executed a real estate mortgage with Countrywide Home Loans in June 2007, with the loan being secured by plaintiffs’ principal residence.  The Complaint further alleges that on July 21, 2010 beneficial interest in the Plaintiffs’ mortgage and notewas assigned to BAC,” and that a written assignment identifying BAC as assignee was executed on that date and recorded shortly thereafter. The lone claim asserted in the Complaint is a violation of TILA’s requirement that a creditor to whom a mortgage loan is sold, transferred or assigned must notify the debtor in writing within 30 days after that transfer occurs. See 15 U.S.C. § 1641(g)(1) (“not later than 30 days after the date on which a mortgage loan is sold or otherwise transferred or assigned to a  third party, the creditor that is the new owner or assignee of the debt shall notify the borrower in writing of such transfer”). The Complaint alleges that “BAC failed to notify Plaintiffs at all” of the July 21, 2010 assignment, such that it “therefore failed to make the requisite disclosures.” (Doc. 2, ¶ 15.) On that basis, plaintiffs claim that BAC violated § 1641(g), and seek an award of statutory damages, costs and attorney’s fees. 

Click Here for Order

You might be if you've been contacted by a collector about a debt you've never heard of or if the debt is many years old. Read this article from Forbes.com about the high volume of bogus debt being sold to outside collectors. Those collectors try to coerce payment even though much of this debt is not legally collectable. If you have been sued by a collector, click here to find out how you can fight back.

Debt Collector Harrasment Quiz

• Do you Recognize the Name of the Company Suing You as One of Your Creditors?
• Do You Recognize the Account or Debt You're Being Sued For?
• If You Recognize the Debt, Is the Amount Listed in the Complaint Correct? Has a Payment Been Made Within the Last 3 Years?

If you answered NO to any of these questions, then you may have a claim for debt collection abuse and you need to know your rights. Federal law protects you from being pursued by a debt collector for consumer debt that you do not owe or debt that is too old to be enforced. Click here to find out more about your rights and how you can hire a Alabama Consumer Attorney to fight for you with little or no up front cost.

Act Now - especially if you have a trial date scheduled.

July 15, 2011 

Rulings Keep Homeowners' Lawsuits on Track

The rulings do not mean a resolution of either case is near, but the final outcome of both cases could affect hundreds of thousands of homeowners, so they bear watching. That's because the next step in the process is to try to get the cases certified as class-action suits.

The first ruling, handed down by a federal judge in Boston, allows a case to move forward that addresses a major complaint regarding loan servicers' implementation of the federal Home Affordable Modification Program, namely that some homeowners who faithfully make their trial payments were nevertheless denied permanent loan modifications.

According to the Treasury Department's most recent report of the program, of the almost 1.6 million trial modifications begun since HAMP started in April 2009, only 608,615, or 38 percent, have resulted in permanent mortgage modifications.