Specifically for Harris & Harris collecting auto loan debt in Mobile, AL
Send a cease-and-desist letter under FDCPA § 1692c to legally stop all collector communications. This guide is tailored to residents of Mobile dealing with Harris & Harris, one of the most-complained-about debt collectors for auto loan debt accounts. In Alabama, the statute of limitations is 6 years and wage garnishment is capped at 25% of disposable earnings.
6 years
Alabama SOL on Auto Loan Debt
$23,792
Average Auto Loan Debt
25% of disposable earnings
Garnishment Limit
Harris & Harris has a documented pattern of FDCPA violations. If any of these happen to you, document them immediately and file a CFPB complaint.
These steps apply directly to your situation as a Mobile resident dealing with Harris & Harris.
Under FDCPA, collectors cannot call before 8am or after 9pm, call your workplace if told not to, contact third parties about your debt, use abusive language, or threaten actions they don't intend to take.
Before sending a cease-and-desist, log each call with date, time, phone number, and what was said. This record is evidence if you need to sue for FDCPA violations later.
Your letter needs only one thing: a clear statement invoking your right under 15 USC § 1692c to cease all communication. Send it via certified mail with return receipt to the exact name and address on the collector's correspondence.
Once they receive your letter, collectors may only contact you to confirm they will stop, or to notify you of specific action like a lawsuit. If they call again, each call is an FDCPA violation worth up to $1,000.
Log any contacts after your cease-and-desist was received. If violations occur, you can sue in federal court within one year for $1,000 per violation plus actual damages and attorney fees.
These strategies are specific to auto loan debt — the type of debt Harris & Harris is collecting from Mobile residents.
No specific state debt collection act — FDCPA applies governs debt collection in Alabama. File complaints with: AG Consumer Protection.
In Alabama, wage garnishment is limited to 25% of disposable earnings. Income sources protected from garnishment include: Social Security, Workers' comp, Unemployment, Veterans' benefits. Harris & Harris must first obtain a court judgment before any garnishment can begin.
The statute of limitations for auto loan debt in Alabama is 6 years. After this period expires, Harris & Harris cannot win a lawsuit on the debt if you raise the SOL as a defense in your Answer. Never ignore a lawsuit even on time-barred debt.
Known violations by Harris & Harris include: Threatening arrest or criminal prosecution for civil debt; Adding unauthorized collection fees; Failing to provide proper mini-Miranda warning. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute auto loan debt with Harris & Harris: send a written validation request via certified mail within 30 days of first contact, demand the original creditor name, full chain of assignment, and original signed agreement. Start with: challenge deficiency balance after repossession.
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