By: Robert J. Nahoum
WHO IS CYPRESS FINANCIAL RECOVERIES, LLC?:
East Coast Funding Group is a sub-prime auto lender financing the purchaser of new and used vehicles by consumer with bad credit. When the consumer default on the auto loan, East Coast Funding Group sues to recover the amount owed plus interest, penalties, late fees, overdraft fees, attorney’s fees and whatever other kinds of fees they can dream up.
East Coast Funding Group is routinely represented in debt collection lawsuits by the debt collection law-firm Kirschenbaum & Phillips, PC.
Kirschenbaum & Phillips, PC 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 CYPRESS FINANCIAL RECOVERIES:
To East Coast Funding Group you the consumer are no more than an entry on a spreadsheet, you are data. Unfortunately for East Coast Funding Group, entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, East Coast Funding Group always has the burden to prove that the consumer is responsible for the debt. To meet this burden, East Coast Funding Group 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.
WHAT YOU SHOULD DO:
If you’ve been sued by East Coast Funding Group 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 collectors 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 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 collector.
If a debt collector violates the FDCPA, you can sue for statutory damages up to $1,000.00 plus actual damages (like pain and suffering) and your attorney’s fees. In FDCPA cases, The Law Offices of Robert J. Nahoum, P.C. doesn’t charge our clients a penny out of pocket.
If you need help settling or defending a debt collection law suit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you. With office located in the Bronx, 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