By: Robert J. Nahoum
THE PROBLEM:
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 Security Credit Services LLC.
- You’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 Security Credit Services LLC.
- A process server has shown up to your home to deliver a summons and complaint or you’ve come home to find a summons and complaint taped to your door? Turns our, you’re being sued by Security Credit Services LLC.
WHO IS SECURITY CREDIT SERVICES LLC?:
Security Credit Services LLC. is a “junk 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 debt buyers then try to collect the full amount from consumers.
Security Credit Services is a Michigan company located at 3410 Belle Chase Way, Suite 600, Lansing, MI 48911. They can be reached at (866) 699-7889 and online at https://www.securitycreditservicesllc.com/.
Through its attorneys of choice, Roach & Murtha Attorneys at Law, Security Credit Services is actively filing new debt collection lawsuits and pursuing and enforcing judgments awarded years ago through wage garnishments and frozen bank accounts.
Security Credit Services 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 SECURITY CREDIT SERVICES:
To Security Credit Services, you the consumer are no more than an entry on a spreadsheet, you are data. Unfortunately for Security Credit Services, entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, Security Credit Services always has the burden to prove that the consumer is responsible for the debt. To meet this burden, Security Credit Services 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 Security Credit Services must be based on “personal knowledge”. Personal knowledge means that the person offering the evidence on behalf of Security Credit Services 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 Security Credit Services, 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 “hearsay” and it cannot be used.
WHAT YOU SHOULD DO:
If you’ve been sued by Security Credit Services 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 Security Credit Services in New York and New Jersey.
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
(845) 232-0202
www.nahoumlaw.com
info@nahoumlaw.com