By: Robert J. Nahoum Consumer advocates AARP New York and the Public Utility Law Project (PULP) are pressing New York Governor Kathy Hochul to investigate PSEG Long Island’s utility debt collection practices, as highlighted in a recent Newsday report. This call comes amid soaring utility arrears exceeding $1.8 billion statewide, with over 1.3 million customers behind by more than two […]
Consumer Groups Challenge PSEG Long Island’s Debt Collection Tactics
Deceptive Car Sales: Understanding False Advertising Laws in New York
By: Robert J. Nahoum Buying a vehicle is one of the most significant purchases you will make. Unfortunately, not all car dealerships play fair. From bait-and-switch pricing tactics to hidden fees and misleading advertisements, some dealers resort to deceptive practices to lure buyers onto the lot. If you feel you have been misled by a dealer’s advertisement, you are not […]
Leveling the Playing Field: How TILA Fee-Shifting Makes Justice Accessible in Auto Lending
By: Robert J. Nahoum When consumers shop for a new or used vehicle, the financing process can often feel overwhelming. Between confusing paperwork, add-on products, and complex interest rates, it is easy for hidden fees or deceptive practices to slip through the cracks. For most individuals, the thought of hiring an attorney to fight an auto finance dispute sounds far […]
The Truth in Lending Act (TILA) in Auto Lending What You Need to Know
By: Robert J. Nahoum When you walk into a dealership to buy a car, the excitement of driving off the lot can sometimes overshadow the fine print of the financing paperwork. For most of us, an auto loan is one of the largest financial commitments we make. But did you know there is a powerful federal law designed to ensure […]
What Is—and Isn’t—a “Debt” Under the FDCPA?
By: Robert J. Nahoum What the FDCPA means by “debt” The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive, deceptive, and unfair collection practices. At the heart of the law is its definition of “debt”: “Any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services […]