By: Robert J. Nahoum Federal debt collection laws, known as the Fair Debt Collection Practices Act (FDCPA for short), regulates the collection of consumer debts by third party debt collectors.  The FDCPA is a comprehensive statute that prohibits a catalog of activities in connection with the collection of debts by third parties. The FDCPA imposes civil liability on any person […]
What Damages Are Available Under the Fair Debt Collection Practices Act?
What is an Adjournment in a New York Debt Collection Case?
By: Robert J. Nahoum THE PROBLEM You’ve been served was a summons and complaint or discovered that you have a default judgment entered against you. It’s a debt collector suing you on an old credit card debt.  You’ve done your homework on the internet and realized that you can’t simply ignore the case so you filed your answer or your […]
What is an “Affidavit of Service” in a Debt Collection Case?
By: Robert J. Nahoum The Problem: Were you surprised to learn that your bank account has been frozen or your wages have been garnisheed? If your answer is yes, a debt collector likely has a default judgment against you from a lawsuit you had no idea had been filed. In debt collection lawsuits, most cases are won on default where […]
Citibank Slapped on the Wrist Over Debt Collections and sales of Debt to Junk Debt Buyers
By: Robert J. Nahoum According to a report by USA Today “Citibank was ordered to pay a $3 million penalty and provide nearly $11 million in consumer relief or refunds in a settlement over illegal debt sales and debt collection practices, a federal consumer agency said Tuesday. The New York-based bank broke the law by selling credit card debt with […]
Debt Collectors Are Trying to Collect a Debt that is Not on My Credit Report
By: Robert J. Nahoum The Problem: You’re at the grocery store buying the family groceries, the cashier rings you up, you swipe your debit card and embarrassingly, the cashier tells you that your card is no good. You call your bank and are told that your bank account has been frozen. You dig a little deeper, call the court and […]
Can I Be Arrested for Not Paying A Student Loan?
By: Robert J. Nahoum A story of a student loan debtor purportedly arrested for failing to pay his student loans has gone viral. The media has ran with the story and student loan borrowers everywhere are nervous. You may be wondering how this could have happened – didn’t we eliminate debtors’ prison in America in colonial times? Well the answer […]
Sample FDCPA Cease and Desist Letter
By: Robert J. Nahoum THE PROBLEM: Whether it’s mounting credit card debt, unexpected medical bills or even defaulted student loans, when you fall behind on your bills, the debt collectors will harass you. Understandably, anyone who has dealt with debt collectors feels abused, harassed and bullied. This is due in large part to the heavy-handed tactics of the debt collection […]
Who is Houslanger & Associates?
By: Robert J. Nahoum THE PROBLEM: Two scenarios might have led you this article: You have just been notified by your bank that your account has been frozen because there is a debt collection judgment against you. You call the bank to find out what’s going on and are told to speak some law-firm called Houslanger & Associates. You’ve received […]
Debt Collection Law-Firm Schachter Portnoy Filed 1,884 NY Debt Collection Cases In 2015
By: Robert J. Nahoum Schachter Portnoy, LLC is an infamous debt collection law-firm representing creditors and junk debt buyers. Debt buyers buy up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. According to the New York State Unified Court System, Schachter Portnoy filed almost 2,000 New […]
NY Debt Collection Law Firm Kirschenbaum Phillips & Levy, PC Filed 4,377 Collection Cases In 2015
By: Robert J. Nahoum The infamous debt collection law-firm Kirschenbaum Phillips & Levy, PC represents creditors and junk debt buyers in debt collection cases throughout New York. According to the New York State Unified Court System, Kirschenbaum Phillips & Levy filed 4,377 New York debt collection lawsuits in 2015 in New York’s civil, city and small claims courts. Kirschenbaum Phillips […]