By: Robert J. Nahoum A knock on the door, you open up and are handed court papers. That knock was from a process server and as it turns out you’re being sued. You read the caption of the court paper and have no clue who this company is and why they are suing. You read further down the page and […]
Three Tips for Defending a Debt Buyer Collection Case
A Checklist For Proper Service of a NY Debt Collection Summons and Complaint
By: Robert J. Nahoum In New York debt collection lawsuits, most cases are won on default where the consumer never answered the complaint. Many consumers don’t answer because they don’t know they’ve been sued. Most don’t know they’ve been sued because the debt collector never properly served copies of the summons and complaint. According to New York State law, before […]
What is the New Jersey Consumer Fraud Act?
By: Robert J. Nahoum THE PROBLEM: Every day in American consumers fall victim to unscrupulous business practices. The fraudsters are indiscriminate and will rip off whomever they can in any way they can. The scams cover a wide variety of business endeavors including construction, car sales, and finance and debt collection. There are federal consumer protection laws intended to protect […]
Midland Funding Sanctioned by NY Court for Frivolous Collection Case
By: Robert J. Nahoum In a scathing opinion, Judge Mark A. Gross of the Mount Vernon City Court sanctioned infamous debt buyer Midland Funding, LLC and two of its in-house attorneys, Amanda Perez, Esq. and Crystal Scott, Esq., for filing a frivolous lawsuit and other wrong doing. In the matter Midland Funding LLC v. Vivia Austinnam A/K/A Vivia Nam, six […]
What is the Debt Collection Statute of Limitations in New York?
By: Robert J. Nahoum THE PROBLEM: A debt collector has been sending you letters, calling you on the phone and may have even sued you. It’s been like pulling teeth to get the debt collector to explain what the debt is and where it came from. As it turns out, the debt collector is not the company that originally extended […]
What is an Inquest in a New York Debt Collection Case?
By: Robert J. Nahoum The Problem: You have been sued by a debt collector and filed an answer in response to the debt collection complaint. Weeks and months have passed by and now you have received a notice in the mail that says an inquest has been scheduled. What is an inquest? The Rules: Generally speaking, an inquest is a […]
What is Doing Well by Doing Good?
By: Robert J. Nahoum You are being harassed by a debt collector; or perhaps you’re being sued on an old credit card debt; or maybe you’ve been screwed by a dirt-bag car dealer. Whatever the case may be, when a consumer is victimized and in need of legal representation, the thought of paying for a lawyer seems like adding insult […]
How Do I Get Debt Free In New York or New Jersey?
By: Robert J. Nahoum THE PROBLEM: Like so many others Americans, the debts have piled up faster than your ability to pay. As you fall further behind, penalties and higher interest rates making catching impossible. Whether you lost your job, had you shifts cut back, suffered an injury or just can’t make due, it doesn’t matter what got you […]
Favorable Settlement with National Collegiate Student Loan Trust
By: Robert J. Nahoum National Collegiate Student Loan Trust (NCSLT) is a very busy company that few people have ever heard of. Much like the mortgages involved in the financial and foreclosure crisis of just a few years ago, private student loans are packaged together as investments and sold on Wall Street. Those packages of loans are held in trust […]
What is Fresh Financial Start?
By: Robert J. Nahoum THE PROBLEM: You, like so many others, have fallen behind on bills. Whether you lost your job, got cut back on shifts or just can’t make due, it doesn’t matter what got you here, you need a way out from under and bankruptcy may be the solution for you. THE RULE: A fundamental goal of bankruptcy […]