By: Robert J. Nahoum I have often heard consumers tell me that they have been “sent to collections†or that a creditor has threatened that if a payment is not made, he or she will be “sent to collectionsâ€?  I think at one time or another we’ve all heard this threat but what exactly does it mean? What happens at […]
What Does it Mean to be “Sent to Collections”?
Bock v. Pressler & Pressler – 4 Seconds is Not Meaningful Attorney Review
By: Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) protects consumers from unscrupulous debt collectors. The FDCPA establishes a general prohibition against the use of “false, deceptive, or misleading representation or means in connection with the collection of any debt.” The various subsections of the FDCPA, sixteen in total, provide […]
What is a Limited Scope Engagement?
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 or medical debt.  You’ve done your homework on the internet and realized that you can’t simply ignore the case as that will only make […]
Debt Collection Calls To Your Cell Phone?
By: Robert J. Nahoum THE PROBLEM For so many people these days, the cell phone is the primary means of telephonic communication. Many people don’t even have landlines any more. However, cell phones are different from landlines in a variety of ways the most important of which is that most cell phone plans apply per charge calls or per minute […]
Can Social Security Be Garnisheed?
By: Robert J. Nahoum THE PROBLEM You are retired or maybe you got hurt on the job and your only source of income is social security or other government benefits. You fell behind on bills and used the credit cards to make up the difference. You could no longer make the minimum payments and now the creditors have sued you. […]
What is A Judgment Lien on Real Property?
By: Robert J. Nahoum If you’ve been sued and a debt collector and a judgment has been against you, that judgment allows the debt collector to garnishee wages , freeze your bank accounts and levy on your real property including your home. The lien on real property is a passive method for enforcing the judgment meaning that the only […]
Can You Have Your Wages Be Garnisheed by More Than one Judgment Creditor at a Time?
By: Robert J. Nahoum THE PROBLEM The economy has been rough for so many working people. Like many others you relied on credit cards to make ends meet between jobs. Now that you’re working again, you’re trying to pick up the pieces. The credit card companies don’t care what your story is, they don’t care how you got where you […]
Who Are the Parties to a Debt Collection Lawsuit?
By: Robert J. Nahoum Being sued for a debt is stressful enough. The process is made even more stressful when it is unclear who all the various parties to a debt collection lawsuit are. THE PLAINTIFF In every lawsuit, the party who brings the suit is called the “Plaintiffâ€. The Plaintiff in a debt collection lawsuit is either the party […]
What is a Stipulation in a New York Debt Collection Case?
By: Robert J. Nahoum The Problem: You have been sued by a debt collector and have come to terms on a settlement but the debt collector wants you to sign something called a “stipulationâ€. What is a stipulation in a New York Debt Collection Case? The Rules: Under most circumstances, the procedural rules in a New York debt collection lawsuit […]
Is Credit Reporting An Attempt To Collect A Debt?
By: Robert J. Nahoum THE PROBLEM: You’re just about to close a deal on buying a new car, or perhaps a new home. You’ve come to an agreement on the sales price and your sitting at the closing table, the only thing left is to secure the loan. You surprisingly learn that there is a negative entry on your credit […]