By: Robert J. Nahoum Consumer Ray Caprio filed a lawsuit in the Federal District Court for the District of New Jersey against debt collector Healthcare Revenue Recovery Group, LLC claiming that a debt collection letter he received violated Fair Debt Collection Practices Act (FDCPA) because it could confuse “the least sophisticated consumer†into taking two different courses of action.  The letter […]
3rd Circuit Rules Debt Collection Letter Violates The FDCPA Because It Can Be Reasonably Read To Have Two Or More Different Meanings, One Of Which Is Inaccurate
What Are Private Attorneys General?
By: Robert J. Nahoum THE PROBLEM: In each state, the protection of consumers from unscrupulous businesses is left in the hands of the Attorney General. However, because they have limited budgets and are elected officials subject to the political whims of the day, Attorneys General are not capable of addressing each instance of commercial wrong doing. THE RULE: To ease the […]
- 15 U.S.C. §1692 et. seq.
- Collection Agencies
- Consumer Protection
- debt collection
- Debt Collection Defense
- debt collector harassment
- Fair Debt Collection Practices Act
Does a Debt Collector Violate the FDCPA When He Threatens to Take My Unemployment Benefits?
By: Robert J. Nahoum THE PROBLEM: You’re out of work, fallen on hard times and your only income is from unemployment benefits. Now you’re being harassed or sued by a debt collector who has threatened to take your unemployment benefits. Can he get away with it? The Rule: Under federal debt collection laws known as the Fair Debt Collection Practices Act […]
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 […]
- 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 […]