Jacob K. Payne

Lawyer in Alabama

[Purple Judge of Alabama @PurpleJudgeofAL]

That letter in your mailbox just changed everything. Or did it?

Getting a collection notice feels like the floor is dropping out. Your heart races. You wonder if they can take your car, your paycheck, your bank account.

Here is what to do. 👇🏻

[Purple Judge of Alabama @PurpleJudgeofAL]

"It's just medical debt. It won't hurt your credit."

The rules around medical debt credit reporting have changed significantly but medical debt can still damage your credit under certain circumstances.

[Jacob K. Payne @JacobKPayne]

@AMandoSch Get well soon! Prayers from AL!

[NASCAR CRAFTSMAN Trucks @NASCAR_Trucks]

He conquers the rock!

@GrantEnfinger claims his first win of 2026 at @limerockpark.

[Jacob K. Payne @JacobKPayne]

@AMandoSch Small claims consumer case. Not pictured are the multiple emails trying to resolve before I drove 5 hours to help this client. Not enough lawyers do consumer work. This creditor won't get a discount.

[Jacob K. Payne @JacobKPayne]

@Motorsport Webster defines an athlete as: "a person who is trained or skilled in exercises, sports, or games requiring physical strength, agility, or stamina." Is he using a different definition? If so, he should define his terms. If not, he's wrong.

[Jacob K. Payne @JacobKPayne]

@end3of6days9 This unfortunately happens all the time. I sue banks and creditors for people when these things happen. Sadly the banks don't seem to care when it does.

[Jacob K. Payne @JacobKPayne]

@ItsMattsLaw Same thing with pleading styling. Tells a lot about that lawyer/firm.

[Jacob K. Payne @JacobKPayne]

Errors on your credit report are annoying but under the Fair Credit Reporting Act, you have the right to challenge inaccuracies and hold agencies and businesses accountable for the data they put on your credit report. If you see an error on your credit, give me a call.

[Jacob K. Payne @JacobKPayne]

I practice in Alabama and the Alabama State Bar requires the following Disclaimer: No representation is made that the quality of legal services provided is greater than that provided by another lawyer.
4/4

[Jacob K. Payne @JacobKPayne]

Your bank account isn't a lost cause when errors happen. Under the Electronic Fund Transfer Act (EFTA), you have federal protections against unauthorized transactions, ATM errors, and "phantom" debit charges. But you have to be quick. 🧵
1/4

[Jacob K. Payne @JacobKPayne]

@lawyersoftwitter these issues are often entangled in other legal matters. We can work together to provide a holistic resolution for your client.
3/4

[Jacob K. Payne @JacobKPayne]

@JamesHSLevine Let's normalize not burning yourself out too young so that you still love your job and want to work in your 70s (or later)

[Jacob K. Payne @JacobKPayne]

@aldotcom AL prisons do need help/reform. Idk if this is the guy to lead the charge. Lots of other good people working on this issue.

[Jacob K. Payne @JacobKPayne]

@ccmembersonly Good/Great lawyers do not mind negotiations in person or on the phone. Lawyers who want to provide themselves the opportunity to second guess themselves or their case will prefer email. You quickly find which are which and should operate accordingly.

[Jacob K. Payne @JacobKPayne]

@CarlosMoralesG_ Lawyer here, I wear ties all the time. The tie I wear is dependant upon what I'm doing. The rules you have proposed are practically only followed for the most serious occasions. For most occasions, it is fine to wear a light tie which your children bought you. Don't be so serious

[Jacob K. Payne @JacobKPayne]

@SMB_Attorney LOI

[Jeff Gluck @jeff_gluck]

Absolutely hate it for all the people at Bristol. That really sucks. Man. The truest NASCAR experience ever.

[Jacob K. Payne @JacobKPayne]

@NUCLRGOLF Masters
The Open
US Open
PGA