By:Â Robert J. Nahoum Not all debts are created equal because not all debts are subject to federal debt collection laws known as the Fair Debt Collection Practices Act also known as the FDCPA for short. The good news is most consumer debts are covered. Under the FDCPA, the “term debt means any obligation or alleged obligation of a consumer to […]
What Debts Are Covered By the FDCPA Debt Collection Laws?
Who is a “Debt Collector”?
By: Robert J. Nahoum When it comes to federal debt collection laws (the Fair Debt Collection Practices Act or FDCPA for short) there are basically four kinds of “debt collectorsâ€: 1. Collection Agencies collecting a debt for someone else like a credit card company or a hospital; 2. Debt buyers who buy up old debt from someone else for pennies on […]
How can I owe you a debt, I’ve Never Even Heard of You?
By:Â Robert J. Nahoum Have you ever looked at your credit report and thought “I don’t know this company, I never heard of them”. Even worse, have your ever been sued for a debt by a company you’ve never had an account with? Sadly, this happens all the time and over the last ten years or so, it has been happening […]
Those Damn Debt Collectors!
By:Â Robert J. Nahoum Tell me if any of this sounds familiar, the dishes are done, the kids have gone to sleep, you and your spouse are sitting around the kitchen table staring at pile of bills and the family finances trying to figure out if there is anything left to cut. The credit cards are maxed, your job doesn’t give […]
An FDCPA Claim Is not a Defense to A Debt Collection Case, But it is a Claim Worth Pursuing.
httpv://www.youtube.com/watch?v=iK7uk5VpqIY&feature=youtu.be by: Robert J. Nahoum THE PROBLEM: You’ve just been sued by a debt collector on an old debt.  You hired a lawyer to defend you and the lawyer tells you that the debt collector has violated federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA).  But, your lawyer also tells you that the FDCPA violation doesn’t […]
Illegal Foreclosure on Military Homeowners
By: Robert J. Nahoum An article on the Huffington Post yesterday reported how banks had illegally foreclosed on dozens of military homeowners. This report comes on the heels of our blog on the Service members Civil Relief Act and our announcement of the Rockland County Military Families Pro-Bono Program. Its deplorable to think that banks would take advantage of our brave […]
Soldiers’ Rights Under The Servicemember’s Civil Relief Act
Soldiers’ Rights Under The Servicemember’s Civil Relief Act by: Robert J. Nahoum May 4, 2011 httpv://www.youtube.com/watch?v=Anua9F7Qguw&feature=youtu.be I. SUMMARY Brave members of the American armed forced are often away from home and their loved ones for extended periods of time. As America now wages war on no less than three fronts, extended deployments are more and more of a reality for many […]
Announcing the Rockland County Service-Member Pro Bono Program
Announcing the Rockland County Service-Member Pro Bono Program by:Â Robert J. Nahoum May 2, 2011 In consideration of the heroic and selfless work performed by Rockland County service-members and the sacrifice of their families, The Law Offices of Robert J. Nahoum is proud to announce that we will represent any active-duty Rockland County military families pro bono (for free) in any […]
Are Debt Collectors Getting Away With Illegal Debt Collection Under The Watchful Eye Of A Chapter 7 Trustee?
by: Robert J. Nahoum I. SUMMARY A Chapter 7 bankruptcy trustee represents the estate of Chapter 7 bankruptcy debtors and is responsible for recovery, preservation, liquidation and distribution of the Chapter 7 estate assets. Among the property of the estate are causes of action or lawsuits for wrongful damage caused to the debtor. For example, if the debtor was injured when […]
- 15 U.S.C. §1692 et. seq.
- Consumer Protection
- Debt Collection Defense
- debt collector harassment
- Fair Debt Collection Practices Act
- Mortgage Foreclosure
When Is A Residential Mortgage Loan Servicer A Debt Collector?
By:Â Robert J. Nahoum I. SUMMARY Federal debt collection laws not only regulate the collection conduct of traditional collection agencies but attorneys and, in some circumstances, loan servicers. In the name of thin-profit margins, the current mortgage foreclosure crisis has pushed many loan servicers and bank attorneys to limits of these consumer protection laws. Those found to have violated debt […]