By: Robert J. Nahoum A billing error under the Fair Credit Billing Act (FCBA) occurs when a credit card statement contains mistakes such as unauthorized charges, incorrect amounts, charges for goods or services not received, or computational errors. FCBA lawsuits allow consumers to dispute these errors efficiently, and aggrieved consumers may recover financial damages and, in some cases, attorneys’ fees. […]
What Qualifies as a Billing Error under the Fair Credit Biling Act (FCBA)
Common Examples of Unauthorized Credit Card Transactions and Bank Liability Under the Fair Credit Billing Act
By: Robert J. Nahoum The Fair Credit Billing Act (FCBA) is a vital federal consumer protection law that shields consumers from unfair credit card billing practices, including unauthorized transactions. If you find unfamiliar charges on your credit card statement, the FCBA provides important protections and a procedure to dispute those charges, potentially resulting in bank liability for the disputed amounts. […]
How to Get Your Money Back After You’ve Given You Bank Account App Password to Fraudster
By: Robert J. Nahoum THE PROBLEM You got a phone call from what you thought was a representative of your bank and were told that your account was at risk. Concerned, you were convinced to give the caller your username and password. You later learn that the caller was a fraudster not a legitimate bank representative and they emptied the […]
What Is — and Is Not — an Unauthorized Transfer Under the Electronic Fund Transfer Act
What Is — and Is Not — an Unauthorized Transfer Under the Electronic Fund Transfer Act By: Robert J. Nahoum When a withdrawal or payment shows up on your bank account that you don’t recognize, it can be alarming. Fortunately, the Electronic Fund Transfer Act (EFTA) protects consumers from unauthorized electronic fund transfers. But not every unexpected transaction qualifies as […]
What to Do When Your Bank Account Is Hacked
What to Do When Your Bank Account Is Hacked By: Robert J. Nahoum THE PROBLEM Your bank account has been hacked, money has been taken without your authorization, and your bank refuses to refund you the stolen money. As cascade of problems overwhelms you – without your money, you can’t afford to pay your […]
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 […]
What is an Information Subpoena in a Consumer Debt Collection Lawsuit?
By: Robert J. Nahoum If you have been served with an information subpoena in a consumer debt collection lawsuit, you may be wondering what it is and what you need to do to comply. An information subpoena is a court order that requires you to provide information to the judgment creditor. A judgment creditor is someone who sued someone else […]
How a Default Judgment Can Result in a Lien on Your Home
By: Robert J. Nahoum If you have been sued by a debt collector and you lose the case, or if you fail to answer the case the debt collector will obtain a judgment against you. A judgment is a court order that says you owe the debt collector money. In New York State, the judgment results in a lien on […]
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 […]
Settling a Debt Case with American Express: A Success Story
By: Robert Nahoum Entrepreneur Client Sued By American Express We recently received a call from a prospective client who was being sued by American Express for an unpaid credit card. The client is an entrepreneur in an industry with drastic ups and downs. During a recent down time in her business, she fell behind on an account with American Express […]