By: Robert J. Nahoum
Three scenarios might have led you this article:
- You have just been notified by your bank that your account has been frozen because there is a debt collection judgment against you by some company called CCU LLC.
- Youâ€™ve received a notice from your County Sheriff or a New York City Marshall that your wages will be garnisheed because there is a debt collection judgment against you from CCU LLC.
- A process server has shown up to your home to deliver a summons and complaint or youâ€™ve come home to find a summons and complaint taped to your door? Turns our, youâ€™re being sued by CCU LLC.
WHO IS CCU LLC?:
CCU LLC. is a â€œjunk debt buyerâ€, 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 debt buyers then try to collect the full amount from consumers.
CCU LLC no longer actively filing new debt collection lawsuits. However, through its attorneys of choice, and Selip and Stylianou, LLP (formerly known as â€œCohen & Slamowitz, LLP), CCU may be pursuing and enforcing judgments awarded years ago through wage garnishments and frozen bank accounts.
CCU is an accused notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts. It precludes third party debt collectors from using false, misleading, deceptive and harassing debt collection tactics.
THE PROBLEM WITH CCU:
To CCU, you the consumer are no more than an entry on a spreadsheet, you are data. Unfortunately for CCU, entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, CCU always has the burden to prove that the consumer is responsible for the debt. To meet this burden, CCU must prove that: (1) it has the right to sue you; (2) the debt is yours; and (3) you owe the amount for which you were sued. It is never the burden of the consumer to prove that he or she does not owe the debt.
To meet its burden, the proof submitted by CCU must be based on â€œpersonal knowledgeâ€. Personal knowledge means that the person offering the evidence on behalf of CCU must be a witness to the event shown in a particular document. For example, if credit card bills are offered into evidence on behalf of CCU, the person offering the evidence must have personal knowledge of how the information in the credit card bill got there, how it is generated and how it is maintained. That person must have personal knowledge of the computer system and how it operates. If this person does not have such personal knowledge, the evidence is â€œhearsayâ€ and it cannot be used.
Remember, to CCU, you are just an entry on a spreadsheet. For this reason, CCU routinely lacks the evidence necessary to prove its case and beat you in court.
WHAT YOU SHOULD DO:
If youâ€™ve been sued by CCU in a debt collection lawsuit, consider hiring a qualified attorney experienced in debt defense. The Law Offices of Robert J. Nahoum, P.C. routinely represents consumers in debt collection lawsuits brought by debt buyers like CCU in New York and New Jersey.
As with all of our debt defense cases, The Law Offices of Robert J. Nahoum, P.C. analyzes debt collection cases brought by debt buyers like CCU to determine if any violations of the FDCPA have occurred. If so, we recommend to our clients that suit be brought in Federal District Court on behalf of the consumer and against the debt buyer.
If a debt buyer like CCU violates the FDCPA, you can sue it for statutory damages up to $1,000.00 plus actual damages (like pain and suffering) and your attorneyâ€™s fees. In FDCPA cases, The Law Offices of Robert J. Nahoum, P.C. doesnâ€™t charge our clients a penny out of pocket.
If you need help settling or defending a debt collection lawsuit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you. With office located in Brooklyn and Rockland County, the Law Offices of Robert J. Nahoum defends consumers in debt collection cases throughout the Tristate area including New Jersey.
The Law Offices of Robert J. Nahoum, P.C