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John Griffin Watts
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John Watts’s Legal Guides

168 total


  • When Does A Debt Collector Violate The FDCPA By Calling Third Parties

    What Is A Third Party? A third party is anyone other than: (1) You; (2) Your spouse; or (3) Your attorney. So, a third party is your neighbor. Your co-worker. Your child or your parent. Anyon

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  • What Are The Four Keys To Improving Your Deposition Testimony?

    Fundamental Rule - Tell The Truth Everything in this guide is designed to help you tell the truth. You will have raised your hand to swear or affirm that you are telling the truth. If you don't tel

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  • Is It Illegal For A Debt Collector To Call My Cell Phone?

    WHAT ARE AUTO DIALED CALLS? In the past, debt collectors would call "by hand" - that is, they would dial the number personally. But given the low rate of contact, it is more efficient to have a comp

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  • What Are The Four Benefits To You If You Bring A Case Under The FDCPA Against An Abusive Collector?

    You Can Recover Up To $1000 In Statutory Damages Even If You Were Not Injured Sometimes we can't prove actual damages but you can still receive up to $1000 in what are called "statutory damages." Th

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  • What Are The Three Stages Of Foreclosure In Alabama?

    Before The Foreclosure This is the time when the mortgage company - normally the servicer - notifies the consumer that the loan is being accelerated and that a forclosure sale will occur in 30 or mor

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  • Overview Of Five Step Process To Correct False Entries On Your Credit Reports

    This will give you an overview of the five step process to correct errors on your credit reports. Here are the five steps: Pull your credit reports; Review your reports; Dispute any false information directly with the credit reporting agencies (Equifax, Experian, TransUnion, et...

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  • Why Would A Debt Collector Lie About Receiving A Payment I Never Made?

    This question puzzles many people and it puzzled me until I figured out the answer - the debt collectors are dealing with debt that is "out of statute" - that is beyond the statute of limitations - and by claiming you made a payment they hope to restart the statute of limitations...

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  • Right To Appeal From Small Claims Or District Court In Alabama

    Small Claims is a part of "District Court" and this is where most collection cases are filed in Alabama. In this video we talk about the time limits and what happens when you file an appeal. Best wishes! John Watt

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  • FDCPA - Third Party Contacts - Final Step Is To Contact A Consumer Lawyer

    One of the most common type of violations of the Fair Debt Collection Practices Act (FDCPA) is contacting "third parties" which is anyone other than you or your spouse. Third parties can only be contacted for "location information" which is ONLY: home address; home phone; and...

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  • FDCPA - Third Party Contacts - Get A Statement From The Third Party

    If you are a victim of an illegal third party collection tactic, you need to document the illegal act. Ask the third party to write down what happened. Who, what, when, etc. This helps to lock down the memory of the third party so that the third party can accurately testify at t...

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