The Fair Credit Billing Act: What You Need to Know

  By: Robert J. Nahoum The Fair Credit Billing Act (FCBA) is a federal law that protects consumers from unfair billing practices. The FCBA applies to open-end credit accounts, such as credit cards, charge cards, and home equity lines of credit. The FCBA covers a wide range of billing errors, including: Charges that you didn’t make Charges for goods or […]

Benefits of Hiring an Attorney to Represent You in a New York Debt Collection Lawsuit

By: Robert J. Nahoum If you have been sued by a debt collector in New York, you may be feeling overwhelmed and unsure of what to do. You may be tempted to ignore the lawsuit, but this is a mistake. Ignoring a debt collection lawsuit can have serious consequences, including a default judgment against you. A default judgment is a […]

Are Debt Relief Companies a Scam?

By: Robert Nahoum Debt relief companies promise to help you get out of debt, but they can also be a scam. Here are some of the reasons why debt relief companies are often a scam: They make false promises. Debt relief companies often promise that they can get you out of debt quickly and easily, but there is no guarantee […]

What is an Underwater Car?

By: Robert J. Nahoum An underwater car is a car loan where the owner owes more on the loan than the car is worth. This can happen for a number of reasons, such as: Buying a car little to no down payment. Taking out a long-term car loan. Rapid depreciation of the car. Damage to the car. Why is Being […]

The Law Offices of Robert J. Nahoum Settles Judgment and Frozen Bank Account With American Express

  By Robert J. Nahoum Joint Bank Account Restrained Introduction We recently received a call from a panicked prospective client who was notified by her bank that a checking account she held jointly with her daughter had been restrained. She was anxious, embarrassed and confused about what was happening and what if anything she could do about it. The Client’s […]