Help Me With Sign Alabama Banking Agreement

Document type sign terms of use agreement alabama safe

hello my name is John Watson a consumer protection attorney in the state of Alabama we get a lot of questions about debt collection lawsuits probably the most common question we get because you have these companies out there just filing hundreds and hundreds of lawsuits every week against Alabama consumers so one question we get is does the collection lawyer have to show me the consumer the contract between the collection lawyer and the plaintiff in other words the debt collector suing you and the answer is no they do not have to do that okay here's where the confusion comes in when we have these debt buyers while the original creditor and then they supposedly sell it to this company and then that companies supposedly sells it to here who then sells it to portfolio recovery LVN V whoever it may be and we say rightfully so we've been teaching this for really a decade now is they have to go back through that chain of title they have to prove that they own the debts not merely enough to show that I owe the debt they have to show they own the debt and so they have to go back through well how do you do that well all of these transactions there are contracts we need to see those contracts and oh my goodness they hate giving up those contracts the biggest reason is most time those contracts say by the way there's nothing in here that we say that we are promising is accurate it's kind of like buying a car as is like hey I don't know what I'm selling you but you buy it if you want we'll see that's inconsistent with them coming into court and going judge this is the gospel truth no it's not it's like nothing okay so we're very big on that we you know when we talk with judges when we train other lawyers we talk about this but sometimes people say well no I want the collection lawyer to show me that he's really authorized by Midland Funding asset acceptance LVN V whoever it is to sue me well that you're not entitled to okay just like if you hire for example me as your lawyer they're not entitled to see that okay if a lawyer says files what's called a notice of appearance or a pleading and answer a complaint whatever it may be saying I am the lawyer well then we go with that and so don't think of this collection lawyers claiming they own the debt have very few exceptions I mean there's a few these collection lawyers that have their own debt buying firms but and we won't get into that whole sort of mess with that but the guys that are out there suing you they do not own the debt they don't make any claim to owning the debt they're just the lawyer just like if you hire me to sue Midland Funding I'm your lawyer well Midland Funding hires Holloway and Moxley to see all the way Moxley is just their lawyer Midland suing you so you're not entitled to get that contract there's no need for that the battle is okay Midlands here can they prove all these steps back to the original creditor I'll just tell you this I've been doing this a long time have represented hundreds and hundreds of people with Midland for example never seen them prove that maybe they can in your case I just have never seen that happen so if you have questions about your debt collection lawsuit and you would like to get some more information you want us to go over your five options that you have you have questions about what will happen at trial or should you settle should you fight what should you do just pick up the phone call us 205 eight seven nine two four four seven where you go to Alabama consumer calm and again that numbers two oh five eight seven nine two four four seven anywhere in the state of Alabama we represent people I suppose in every single County I guess I've been it because we've been doing this so long but wherever you are in Alabama if you're sued in Alabama will definitely be happy to help you and I appreciate you watching this and hope you have a great day okay bye bye