Foreclosure Defense

The primary method of foreclosure in Alabama involves what is known as non-judicial foreclosure. When the mortgage is initially signed it will usually contain a provision called a power of sale clause, which upon default allows an attorney to foreclose on the property in order to satisfy the underlying defaulted loan. The sale takes place at the courthouse in the county the property is located, at public outcry between the legal sales hours of 11 a.m. to 4:00 p.m. Because this is a non-judicial remedy, there are very stringent notice requirements and the legal documents are required to contain the power of sale language in order to use this type of foreclosure method.

Illegal Calls To Cell Phones

Contrary to what some of the email campaigns are saying, the federal government does not maintain and is not establishing a separate Do Not Call list for wireless phone numbers. The Federal Communications Commission (FCC) and the Federal Trade Commission (FTC) established the national Do Not Call list to enable consumers to reduce the number of unwanted telemarketing calls to their residential or personal wireless phones. Wireless phone subscribers have always been able to add their personal wireless phone numbers to the national Do Not Call list, either online, or by calling toll free to 1 888 382 1222 from the phone number they wish to register. The do not call rules require callers that aren't exempt from the rules to stop telemarketing calls 30 days after you register a number.

General Consumer Issues

General consumer issues consists of foreclosures, abusive debt collectors and credit report errors. Alabama consumers are being threatened with or have actually faced foreclosure from their mortgage company. Clients may also be facing a lawsuit from a debt buyer. They may have a debt collector calling their neighbors or calling co-workers illegally to collect the debt. Clients come to us having already disputed with the credit reporting agencies (Equifax, Experian, Innovis, TransUnion, etc) and they are now trying to figure out what to do with the results of investigation which shows the false account still on their credit reports.

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  • Knowledgeable and caring folks.

    Sid N.
  • After my foreclosure, they fought hard for me in state court to have the foreclosure set aside and helped me get my loan modified to something I could afford. I never had to leave my home during the litigation.

    Dorothy M.
  • Rhonda and Ken helped me recover from the mortgage company for wrongful trespass onto my property and got the foreclosure set aside.

    Nicoa P.