By: Robert J. Nahoum THE PROBLEM: For many, your credit score has a powerful influence on your life. Your score influences how much your home and your car will cost and whether you will be approved for insurance, an apartment and even a job. With stakes this high, a lot of attention is paid to improving people’s scores. Everywhere you […]
What is The Credit Repair Organizations Act?
A Smart Tip For Monitoring Your Credit For Free
By: Robert J. Nahoum A Federal Trade Commission study of the U.S. credit reporting industry concluded that 25% of consumers had errors on one of their three major credit reports. With 322,583,006 people in America that means that more than 80 million Americans have errors on their reports. Common errors found in credit reports include: Outdated information (usually older than […]
What is the Equal Credit Opportunity Act?
By: Robert J. Nahoum THE PROBLEM: The use of consumer credit is everywhere in our society. People use credit and incur debt to pay for cars, homes, education and for every day needs. With such widespread use of credit, the United States Congress recognized that consumers seeking credit needed to be protected from discrimination on the basis of race, color, […]
What is the New Jersey Consumer Fraud Act?
By: Robert J. Nahoum THE PROBLEM: Every day in American consumers fall victim to unscrupulous business practices. The fraudsters are indiscriminate and will rip off whomever they can in any way they can. The scams cover a wide variety of business endeavors including construction, car sales, and finance and debt collection. There are federal consumer protection laws intended to protect […]
What is Doing Well by Doing Good?
By: Robert J. Nahoum You are being harassed by a debt collector; or perhaps you’re being sued on an old credit card debt; or maybe you’ve been screwed by a dirt-bag car dealer. Whatever the case may be, when a consumer is victimized and in need of legal representation, the thought of paying for a lawyer seems like adding insult […]
Who Are Consumer Attorneys?
By: Robert J. Nahoum There are all kinds of lawyers out there: real estate lawyers, personal injury lawyers, corporate lawyers, Wall Street lawyers and consumer lawyers to name a few. The good old days of the country lawyer who did it all have given way to specializations, attorneys who focus on or discrete areas of law. If you’ve never had […]
How Much Will a Debt Defense Lawyer Cost?
By: Robert J. Nahoum The Problem: You have just 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 bill. You’ve done your homework on the internet and realized that you will need to hire a lawyer to represent you. […]
- Collection Agencies
- Consumer Protection
- Debt Collection Agency
- debt collector harassment
- Fair Debt Collection Practices Act
Can Debt Collectors Call Me at Work?
By: Robert J. Nahoum THE PROBLEM: Times are tough for you as they are for so many of us these days. You’ve fallen behind on bills and the debt collectors have been after you. You get regular letters in the mail and your phone rings all the time. Now, you’re getting those calls at work. Even worse, the debt collectors are […]
Sued By Cavalry Portfolio Services, LLC In New York or New Jersey?
By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint. Cavalry Portfolio Services, LLC is suing you for an old debt. WHO IS CAVALRY PORTFOLIO SERVICES, LLC?: Cavalry Portfolio Services, LLC is an infamous “debt buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies […]
Sued By Asset Acceptance, LLC In New York or New Jersey?
By: Robert J. Nahoum The PROBLEM: You have just been served was a summons and complaint. Asset Acceptance, LLC is suing you for an old debt. WHO IS ASSET ACCEPTANCE, LLC?: Asset Acceptance, LLC is an infamous “debt buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on […]