Credit and Debt Disputes

Alabama Credit Repair Attorneys

Several federal laws have been enacted to protect consumers from being victimized by credit and debt organizations. These laws include the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, and the Credit Repair Organization Act.

The Birmingham law firm of McCallum Hoaglund Cook & Irby, LLP (“MHCI”) represents consumers who have suffered economic harm from companies that have violated these laws. By suing the companies that violate these laws, our attorneys help enforce these statutes that were enacted to protect consumers. We handle all consumer protection cases on a contingency fee basis.

Fair Credit Reporting Act

If a company such as insurance company or lender accesses your credit report and takes an adverse action against you based on content of that report, the company is legally required to provide you with notice. The purpose of this notification is to allow you to check your credit report and correct any erroneous information.

Our lawyers recently settled a class action against Allstate Insurance Company in Nashville involving 8 million policyholders who did not receive adverse action notices when the insurance company used credit reports to set insurance premiums.

Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act protects consumers from harassing and threatening contacts from debt collection agencies. For example, a debt collector may not contact you at unreasonable times and may not contact you at work if the collector knows that your employer disapproves.

If you are a victim of abusive, deceptive, or unfair debt collection practices, our attorneys can put an immediate stop to the practices and purse damages against the debt collection agency.

Credit Repair Organization Act

The Credit Repair Organization Act regulates credit counseling firms and provides rules and guidelines these firms have to follow. While there are many reputable credit counseling and repair companies, there are others that prey on people at the time they are most vulnerable financially. If have been victimized by a credit counseling or credit repair company, contact our lawyers for assistance.

Free Initial Consultation

Contact a Birmingham, Alabama credit repair attorney at MHCI today.

The Unfair Debt Collection, Fair Credit Reporting, and Credit Repair Organization Act attorneys at McCallum Hoaglund Cook & Irby, LLP serve clients in Alabama, including Birmingham, Vestavia Hills, Huntsville, Montgomery, Mobile, Tuscaloosa, Gadsden, Jasper, Dothan, Decatur, Pell City, Hoover, Alabaster, Bessemer, Talladega, Athens, Florence, Enterprise, Ozark, Auburn, Eufaula, Jefferson County, Walker County, Madison County, Montgomery County, Shelby County, Tuscaloosa County, St. Clair County, Calhoun County, Barbour County, Bullock County and Lowndes County.