By: Robert J. Nahoum The Problem: You have recently discovered that you had been sued by a debt collector and that judgment has been entered against you. The judgment shows up in the public records section of your credit report and is bringing down your credit score. What should you do? The Rules: A judgment on your credit report must […]
There is a Default Judgment on My Credit Report
What is An Order to Show Cause to Vacate a Default Judgment?
By: Robert J. Nahoum The Problem: You’re at the grocery store buying the family groceries, the cashier rings you up and you swipe your debit card; embarrassingly, the cashier tells you that your card is no good. You call your bank and are told that your bank account has been frozen. How can this have happened? Turns out, you were […]
Is There a Money Judgment Against You In Another State?
By: Robert J. Nahoum The Problem: You live in New York but used to live in another state and just learned that you were sued in that state by a debt collector and they have a default judgment against you. Can the debt collector pursue the default judgment in New York? Will you see it coming? What can you do to […]
Sued By CACH LLC In New York or New Jersey?
By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint. CACH, LLC is suing you for an old debt. WHO IS CACH, LLC?: CACH, LLC is an infamous “debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. The […]
Sued By LVNV Funding, LLC In New York or New Jersey?
By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint. LVNV Funding LLC is suing you for an old debt. WHO IS LVNV FUNDING, LLC?: LVNV Funding, LLC is an infamous “debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on […]
- Collection Agencies
- Consumer Protection
- debt collection
- Debt Collection Agency
- Default Judgment
- Fair Debt Collection Practices Act
Should I Ignore The Debt Collection Agency?
By: Robert J. Nahoum THE PROBLEM: Anyone who has ever dealt with a debt collection agency knows how invasive, harassing and annoying they can be. The phone rings incessantly and the letters in the mail never seem to stop. What to do? With a debt collection agency on your trail, there are a few options available to you: Pay them in […]
What is an Information Subpoena?
By: Robert J. Nahoum The Problem: You come home to find a notice from the post office posted to your door informing you that there is certified mail waiting for you. Knowing that few good things come to you by certified mail; you are immediately concerned. Off to the post office you go to uncover your mystery. When you open the […]
What is A Debt Collection Judgment?
By: Robert J. Nahoum The Problem: You were sued by a debt collector and now a judgment has been entered against you. We hear the term “judgment” often and it may seem basic, but what does it mean to have judgment against you in New York? Understanding the answer to this question will help you to understand what to expect and […]
- debt collection
- Debt Collection Defense
- debt collector harassment
- Default Judgment
- Fair Debt Collection Practices Act
What Property is Exempt From Debt Collection?
By: Robert J. Nahoum THE PROBLEM: You’ve been sued, there is a judgment against you and now the debt collector is coming to enforce the judgment. You’re broke and out of work, can the debt collector take away your property? The Rule: In New York, as in most states, there is a laundry list of property exempt from judgment enforcement and […]
Why Do Debt Buyers Have Trouble Proving Their Cases?
By: Robert J. Nahoum The Problem: There is an industry out there of companies who buy up portfolios of old consumer debts like credit cards and medical bills for pennies on the dollar. These debt buyers then try to collect those debts from consumers using tactics that often violate federal debt collection laws. Too often, debt buyers sue consumers in […]