http://www.alabamaconsumer.com/2014/09/5-options-sued-debt-collector-alabama/
This is the video discussing the second option — fighting the lawsuit on your own — when you have been sued by a debt collector or debt buyer in Alabama.

The five options you have are:

1. Bankruptcy
2. Fight the case on your own
3. Settle the case on your own
4. Hire a lawyer to fight the case
5. Hire a lawyer to settle the case

Each option has advantages and disadvantages (particularly bankruptcy which we rarely recommend).

When looking at fighting the case on your own (also called being “pro se”), the main advantage is there is no lawyer fee.

The main disadvantage is you don’t have a lawyer.

Typically if you have been sued in Circuit Court you don’t want to choose this option as the level of complexity can be too much to handle on your own.

But if you are sued in District or Small Claims court, and you are willing to spend time instead of spending money, then this may be a good choice for you.

We’ll be glad to help you think through your options.

If you have questions about your options when sued in Alabama, please feel free to get in touch with us by calling us at 205-879-2447 or contacting us through our website AlabamaConsumer.com.

John G. Watts
Watts & Herring, LLC
Birmingham, Alabama

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

“We require a different battlefield.”

Nobody expected the war to last three hours, let alone three years. The star system of Archangel holds the line against invading corporate fleets, but a quarter of its territory is already lost. The navy can’t hang on much longer. Faced with this grim truth, Archangel’s leaders shift their strategy to diplomacy and espionage. For both arenas, they call upon a reluctant weapon: a frontline grunt named Tanner Malone.

These days Tanner doesn’t aspire to win the war. He merely wants to survive it. Now he’ll be thrust into the center of events once again, pulled back and forth from covert missions to the media spotlight. Yet with every battle, he gets closer to the old enemy hidden in the shadows and the ugly truth about the war that could unravel everything Archangel might hope to win.

“WE REQUIRE A DIFFERENT BATTLEFIELD.” Nobody expected the war to last three hours, let alone three years. The star system of Archangel holds the line against invading corporate fleets, but a quarter of its territory is already lost. The navy can’t hang on much longer. Faced with this grim truth, Archangel’s leaders shift their strategy to diplomacy and espionage. For both arenas, they call upon a reluctant weapon: a frontline grunt named Tanner Malone. These days, Tanner doesn’t aspire to win the war. He merely wants to survive it. Now he’ll be thrust into the center of events once again, pulled back and forth from covert missions to the media spotlight. Yet with every battle, he gets closer to the old enemy hidden in the shadows, and the ugly truth about the war that could unravel everything Archangel might hope to win.

Beat Greedy Lawsuit Filing Debt Collectors At Their Own Game. Learn to Fight Debt Collection Lawsuits and WIN! I look at being sued by a debt collector like this: If you are going to sue me, you better have the proof and documentation to validate it. It doesn’t matter if I owe the debt or not. I am not an easy money target and after you read my book neither will you. Foreword excerpt: “Allen Harkleroad may just be the most dangerous consumer in America for companies that treat people unfairly. He has a long and distinguished history of sticking it to those who have treated him and others unfairly. You can now take advantage of his thousands of hours of research and considerable experience and put it to good use in defending yourself against collections lawsuits. Bottom line is that you as a consumer need to be prepared to stand up and assert your rights to protect yourself. With Allen on your side you are on the right track.” ~ Chris Gleason, Esq. www.Consumerhelp911.com “I meant to tell you that I read the book on Friday and it is incredible. I love the motion to dismiss. Powerful and easy to understand.” ~ Barbara of Next Level Unlimited

Product Features

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The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history.

This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt.

Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions.

The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.