How to Answer an Information Subpoena

By: Robert J. Nahoum You come home to find a notice from the post office that you have certified mail waiting for you.  You retrieve the certified mail, open the envelope and find a court document called an “Information Subpoenaâ€.  As it turns out, you have a default judgment entered against you for an old debt. The law allows judgment […]

Why Original Creditors Won’t Talk to You About Your Debt?

By: Robert J. Nahoum Consumers sued in debt collection cases often find themselves up against companies they have never heard of.  Names like Midland Funding, LVNV Funding, CACH LLC, New Century Financial Services, Portfolio Recovery Associates, Unifund and Calvary Portfolio Services.  The reason you’ve never heard of these companies is because, while you’ve never done business with them, they’re doing […]

What Does With and Without Prejudice Mean in a Debt Collection Lawsuit?

By: Robert J. Nahoum “Stipulations†are written agreements between parties to a lawsuit. You can stipulate to almost anything.  The most common types of stipulations are stipulations of adjournment (postponing a court date or deadline), stipulations of settlement (a settlement agreement resolving the case) and stipulations of discontinuance. When the stipulation is being used to dismiss the case as with […]

What is a Credit Card Charge Off?

By: Robert J. Nahoum THE PROBLEM: You’ve come home to find legal papers taped to your door.  A closer look reveals that the legal papers are a debt collection summons and complaint – you are being sued you for an old debt.  You are terribly confused because you know this debt has been charged off by the bank years before.  […]