About Cloud & Tidwell, LLC.
Summary of Cloud & Tidwell, LLC.
Cloud & Tidwell, LLC is a general practice law firm which was founded by Brian M. Cloud and Jay E. Tidwell in 2003 in Birmingham, Alabama. In 2008 the firm relocated to its present facility on Birmingham’s Southside, and expanded from five to twenty-five employees at that time E.B. Harrison Willis joined the firm, in 2009 Lara A. Wallace joined the firm.
The firm serves clients in all legal jurisdictions throughout Alabama, Georgia, and, via affiliations, on a national scale. Aside from Real Estate (commercial and residential), Bankruptcies, Foreclosures, Evictions, Personal Injury and Litigation, Contracts and Leases, Wills and Estate Planning and Business and Corporate Law the firm offers Collection Services.
The firm practices Governmental collections, Retail collections, including purchased accounts, Commercial collections, Collections for professionals, including attorneys and law firms, Medical collections, Transportation claims, Insurance premium claims, Real estate collections, FDCPA defense, Probate claims, Judgment and judgment enforcement matters. The firm has represented, clients in all courts throughout the State of Alabama and Georgia, and is licensed to collect in over 40 states.
Cloud & Tidwell assists their clients in every asset of the recovery process, including letters of demand and acceleration, services of process, pre-eviction and post eviction collections, trial, recordation of judgments, identification of assets and garnishment or execution.
Stop the Harassment Now
If you are being harassed by a debt collection agency or feel you may have been violated in any way, contact our office by completing the form or calling us at (800) 444-8731 and one of our specialists will immediately review your case free of charge, determine if the debt collection agency has violated the FDCPA, and if they have we will take immediate and appropriate action on your behalf. In addition once we have determined if you have a case and you have chosen to retain us as your attorney Cloud & Tidwell, LLC from that point on will be legally prohibited to communicate with you directly and will have to communicate directly with your attorney.
How Debt Collection Agencies Profit From You
Most collection agencies operate on a contingency basis, which means that they do not get paid by their client unless and until they collect from the consumer. If and when the agency receives monies from a consumer, the agency then gives their client a pre-determined percentage of the monies recovered. The remainder belongs to the agency.
Oftentimes, debt collection agencies buy these debts for just pennies on the dollar. The debt collector is free to seek as much money from the consumer as they can regardless of what they paid to buy the debt. This amounts to large profit margins for them.
Typically, employees of debt collection agencies are motivated with performance-based bonuses determined by the amount of money they are able to collect from a consumer.
Regardless of what specific methods a debt collection agency uses in their attempts to collect a debt, it is clear that the agency is in the business of making money first and foremost. And that money comes from you – the consumer. Hopefully, you now have a better understanding as to why collection agencies use such aggressive behavior in their interaction with consumers.
Consumers around the globe have long complained about the unfair and often unethical tactics used by debt collection agencies and thus, the FDCPA - a federal law meant for the protection of consumers. It encompasses a set of rules governing the activities of collection agencies.
Know Your Rights
The FDCPA was placed into practice in 1978, the FDCPA or the Fair Debt Collection Practices Act is a federal law designed to protect the rights of the consumer from abusive and unfair debt collecting practices. The law regulates what collection agencies can or cannot do when collecting a personal debt from a consumer. It defines strict guidelines under which collection agencies must abide by when conducting business including who the collection agency may contact, where they may call, and how often or what times, In addition The Fair Credit Reporting Act, also known as the FCRA, was placed into effect in 1970. This federal law enforces and regulates the collection, distribution, and usage of consumer information. The law ensures that companies and businesses report accurate information about their consumers to Credit Bureaus which can be used for credit evaluation and certain other purposes such as employment. Consumers are violated on a daily basis without them even being aware that they have been violated or what they’re rights are. Our legal team at Fredrick Schulman and Associates are fully versed in the FDCPA and FCRA and are committed to keeping debt collectors inline and holding debt collectors accountable for any violations made against you the consumers, rights.
Cloud & Tidwell, LLC is accredited with the Better Business Bureau since August of 2009 and has received an A rating from them. There have been 25 complaints filed against Cloud & Tidwell with the BBB in the past 3 years, two of them being in the past year. The majority of the complaints were related to billing and collection issues.
Contact InformationCloud & Tidwell, LLC.1625 Richard Arrington Jr. BlvdS. Birmingham, AL 35205205-322-6060Toll Free: 866-728-2097
Notice to Readers
The Details on this web page is created using many public off-line and online resources, such as collection agency web sites, BBB information, regulating organization reviews and sites, and information available through court filings. It neither is nor is designed to be the full or complete information of any organization's company. To the level any part of the web page is non-factual in characteristics, it comprises our viewpoint only. We ask that you not depend on any information here in determining whether or not to do business with any company described on this web page. Nothing here comprises or is designed to comprise legal advice. If any audience or individual of this web page has a question about specific resources for any information used here, simply just simply fill out the form and we will get back to you.