Maury Cobb, Attorney at Law, LLC is a debt collection law practice in Birmingham, Alabama, listed by the Better Business Bureau as a collection attorney. A letter or call from it means a creditor has referred an unpaid account to the firm.
- Type
- Collection law firm
- Also known as
- Maury Cobb, Attorney at Law, LLC
- Headquarters
- Birmingham, AL
83 debt collection complaints were sent to the Consumer Financial Protection Bureau about Maury Cobb, Attorney at Law, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Maury Cobb, Attorney at Law?
Maury Cobb, Attorney at Law, LLC is an Alabama limited liability company. The Better Business Bureau lists it under "Collection Attorneys" and "Lawyers," gives its address as 301 Beacon Parkway West, Suite 100, Birmingham, AL 35209, and names Maury Cobb as its principal. The BBB shows the LLC was formed on October 9, 2013 and began business on January 2, 2014. We did not find an official website for the firm, so we have not listed a phone number here; use the contact details printed on your letter and check them against the address above. We did not find a CFPB enforcement action against Maury Cobb, Attorney at Law.
Why Maury Cobb, Attorney at Law May Be Contacting You
We could not verify which creditors or industries the firm works for. A collection attorney is typically hired by an original creditor, a collection agency or a debt buyer once an account is seriously past due. The firm's communication may be a demand letter, a phone call, or a notice that it is handling an account for a named creditor. Because the firm is a law office, a letter may also mention possible legal action. Read it carefully: a threat to sue is only lawful if the client actually intends to sue and can.
Whatever the letter says, the one thing you need to identify first is the creditor. If the notice doesn't make clear whose account this is, ask the firm in writing.
How to Check a Debt Maury Cobb, Attorney at Law Says You Owe
- Use the validation period. The firm's first notice, or one sent within five days, must give the creditor's name, an itemized balance and a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what a validation notice should include.
- Dispute in writing if you do not recognize the account or the amount. The firm must pause collection until it sends verification.
- Find out whether the account was sold. Ask for the name of the current owner and the original creditor.
- Reconcile the balance with your own records, including any payment you made to an earlier collector.
- Consider the statute of limitations. For a Texas resident, most debt suits must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Alabama and other states use different periods.
What Maury Cobb, Attorney at Law Can and Can't Do
An attorney who regularly collects consumer debts for others is a "debt collector" under the FDCPA, the same as an agency (Heintz v. Jenkins, 514 U.S. 291 (1995)).
- A lawyer's letter may not imply that an attorney personally reviewed your account when none did (15 U.S.C. § 1692e(3)).
- Any lawsuit must be filed where you live or where you signed the contract, even if the firm is in Alabama (15 U.S.C. § 1692i).
- It may not call more than seven times in seven days about the same debt (12 C.F.R. § 1006.14(b)(2)); see how many times a collector can call.
- It may not threaten action it does not intend to take or cannot legally take (15 U.S.C. § 1692e(5)).
To talk about a possible claim, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Maury Cobb, Attorney at Law or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Maury Cobb, Attorney At Law, LLC
- CFPB Consumer Complaint Database: Maury Cobb, Attorney at Law, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Maury Cobb, Attorney at Law has violated any law. Company details change; tell us if something here is out of date.