My name is John Watts and along with my partner and co-counsel Stan Herring, we represent consumers in Alabama and in other places where we are brought in to co-counsel on cases.
Our goal with this website is to help you understand your rights and then take action.
You can read some reviews by some of our clients to give you an idea of how we interact with our clients.
We have been litigating cases on behalf of individuals against businesses since 1995 (me) and 1997 (Stan). We both graduated from Cumberland School of Law (Samford University) here in Birmingham, Alabama.
We don’t write wills. We don’t do divorce cases. We don’t set up businesses or do taxes. We don’t appear in criminal court. All we do is focused on civil litigation and specifically on representing consumers.
We represent consumers who are facing foreclosures and those homeowners who have been through a foreclosure and who are being sued to evict (or “eject”) them from their home. This is about 40% of our practice.
Another 40% of our practice is devoted to suing abusive debt collectors. This includes traditional collection agencies (AmSher, Enhanced Recovery, IC Systems, etc); debt buyers (Asset Acceptance, LVNV, Midland, etc); and collection lawfirms. We use the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA — illegal collection calls to cell phones), and state law claims to help protect consumers from abusive debt collectors and to obtain compensation for our clients.
We also have filed dozens and dozens of cases under the Fair Credit Reporting Act (FCRA) when our clients have false information on their credit reports that is not corrected by the companies providing the false information (called “furnishers”) and by the credit reporting agencies (Equifax, Experian, Innovis, and Trans Union).
While it is rare that we think it is appropriate, sometimes Bankruptcy is the best option and we will advise clients on this option.
Finally, it is amazing the number of bogus collection lawsuits being filed against Alabama consumers. We typically try a case or two a week in Jefferson County (Birmingham) District or Small Claims court. Debt buyers sue hundreds of Alabama consumers a week but rarely do we find them even attempting (however ineptly) to present evidence in the trials to support their allegations.
If you have any questions or comments and you live in Alabama, please feel free to call us at 205-879-2447 or you can fill out our contact form.