What Happens at a Debtor Exam?

By: Robert J. Nahoum The Problem: You were sued by a debt collector and a judgment has been entered against you.  The judgment creditor is hell bent on collecting on that judgment and has served you with a subpoena for a debtor exam.  What is it and what should you expect? The Rules: After a judgment has been entered against […]

Does the FDCPA Cover Money Owed to the Government?

By: Robert J. Nahoum THE PROBLEM: You’ve been getting endless debt collection calls from a debt collection agency trying to collect a government resulting from a speeding ticket, a housing code violation, a criminal fine or even an overdue library book penalty.  The debt collector has been harassing you with incessant calls, false threats and misleading information. Can you sue […]

Why Debt Collectors Accept Nominal Monthly Settlements

By: Robert J. Nahoum THE PROBLEM: You’ve been sued in a debt collection case; you’ve explained to the debt collection attorney that money is tight and you can’t afford to pay the debt.  Nevertheless, the debt collection attorney has offered to settle the debt by you making monthly payments of only $20 each.  You’re perplexed –why would the debt collector […]

What is Arbitration?

By: Robert J. Nahoum As technology has advanced our lives have undoubtedly been made easier.  There is no shortage of companies lining up to provide us with one sort of a service or another.  Some we pay for like our cell phones, cable, internet and Netflix while others are free like Facebook, twitter and Youtube.  One thing these companies all […]