Specifically for Radius Global Solutions collecting credit card debt in Montgomery, AL
Use FDCPA § 1692g to demand debt validation within 30 days. Force collectors to prove their claims. This guide is tailored to residents of Montgomery dealing with Radius Global Solutions, one of the most-complained-about debt collectors for credit card 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 Credit Card Debt
$5,221
Average Credit Card Debt
25% of disposable earnings
Garnishment Limit
Radius Global Solutions 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 Montgomery resident dealing with Radius Global Solutions.
You must send a validation request within 30 days of the collector's first contact. After 30 days, you lose the automatic right to halt collection, though collectors must still stop if they can't verify.
Request: exact amount owed, name of original creditor, proof collector is authorized to collect, copy of original agreement. DebtShield generates this letter automatically with the correct legal language.
Mail via USPS Certified Mail with Return Receipt. Keep the green card as proof of delivery. The 30-day clock stops when they receive your letter, not when you send it.
The collector MUST stop all collection activity — including credit reporting updates and legal action — until they validate. Contacting you during this period is an FDCPA violation.
If they can't validate, the debt is legally unenforceable. If they validate, check for errors: wrong amount, wrong person, time-barred debt, missing original agreement, broken chain of title.
These strategies are specific to credit card debt — the type of debt Radius Global Solutions is collecting from Montgomery 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. Radius Global Solutions must first obtain a court judgment before any garnishment can begin.
The statute of limitations for credit card debt in Alabama is 6 years. After this period expires, Radius Global Solutions 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 Radius Global Solutions include: TCPA violations through auto-dialed calls to cell phones; Reporting disputed debts without investigation; Continuing calls after cease-and-desist. Document any violations immediately and file a complaint at consumerfinance.gov/complaint.
To dispute credit card debt with Radius Global Solutions: 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: request debt validation under fdcpa § 1692g.
Skip the paperwork. DebtShield generates legally precise dispute letters, cease-and-desist demands, and validation requests tailored to Montgomery laws and Radius Global Solutions's known tactics. Starting at $9.99/month.