Are Debt collectors Being “False or Misleading” (a/k/a Full of Sh#t)?

By: Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) prohibits a debt collector from using false, deceptive, or misleading representation or tactics when trying to collect a debt. The list of prohibited conduct includes: The false representation or implication that the debt collector affiliated with the government; The false representation of […]

Debt Collector Harassing You On the Phone? When Can They Call and How Often?

By: Robert J. Nahoum Debt Collector Harassing You On the Phone? When Can They Call and How Often? Under federal debt collection laws know as the Fair Debt Collection Practices Act (or FDCPA), debt collectors cannot call you before 8 am or after 9 pm. Debt collectors are also precluded from calling you an unreasonable number of times. What is an […]

What Debts Are Covered By the FDCPA Debt Collection Laws?

By: 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 […]

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 […]

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: 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 […]

When Is A Residential Mortgage Loan Servicer A Debt Collector?

  By: 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 […]