How To Ensure Debt Collection Lawyers Obey The Law

By: Robert J. Nahoum   Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) regulates the collection of consumer debts by third party debt collectors.  The FDCPA precludes debt collectors from using false, misleading, deceptive and harassing debt collection tactics. A “debt collector” is defined under the FDCPA as “any person who . . . […]

Who is the Least Sophisticated Consumer?

By: Robert J. Nahoum   THE PROBLEM: You’ve fallen behind on bills and get a debt collection letter from a lawyer.  The letter says that if you don’t pay a $75 medical bill you will be sued. You’re a pretty smart guy and you know that the lawyer is just blowing smoke – he’s not really going to sue you for […]

Sued By NCO Financial Systems, Inc. In New York or New Jersey?

By: Robert J. Nahoum             THE PROBLEM: You have just been served was a summons and complaint.  NCO Financial Systems, Inc. or one of its affiliated companies is suing you for an old debt. WHO IS NCO FINANCIAL SYSTEMS, INC.?: NCO Financial Systems, Inc. is an infamous “debt buyer”, buying up portfolios of old debt from […]

Sued By Erin Capital Management, LLC In New York or New Jersey?

By: Robert J. Nahoum   THE PROBLEM: You have just been served was a summons and complaint.  Erin Capital Management, LLC is suing you for an old debt. WHO IS  ERIN CAPITAL MANAGEMENT, LLC?: Erin Capital Management, LLC is an infamous “debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car […]

Sued By Cavalry Portfolio Services, LLC In New York or New Jersey?

By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint.  Cavalry Portfolio Services, LLC is suing you for an old debt. WHO IS CAVALRY PORTFOLIO SERVICES, LLC?: Cavalry Portfolio Services, 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 […]

Sued By Asset Acceptance, LLC In New York or New Jersey?

By: Robert J. Nahoum The PROBLEM: You have just been served was a summons and complaint.  Asset Acceptance, LLC is suing you for an old debt. WHO IS ASSET ACCEPTANCE, LLC?: Asset Acceptance, 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 […]