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 buyerâ€, 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 buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on […]

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 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 […]

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 buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on […]

World’s Largest Debt Collector Settles Federal Charges and Agrees to Pay $3.2 Million Penalty For Repeated FDCPA Violations

By: Robert J. Nahoum THE PROBLEM: Expert Global Solutions and its subsidiaries comprise the largest debt collection operation the world has ever known.  With an operation that big swimming in the muck of the consumer debt collection industry, it should come as no surprise that some nasty shenanigans have been going on.  What may be surprising is the price-tag attached to […]

Will Original Creditors Soon Have to Comply With Federal Debt Collection Regulations?

By: Robert J. Nahoum THE PROBLEM: Federal debt collection law known as the Fair Debt Collection Practices Act (FDCPA for short), is designed to prevent debt collectors from using unfair, false, misleading and harassing debt collection tactics.  However, the FDCPA generally does not apply to original creditors.  In other words, with some exceptions, the banks issuing credit cards, the hospitals extending […]

Was I Sued in the Right Place?

By: Robert J. Nahoum THE PROBLEM: You have been sued by a debt collector for a consumer debt in a county, city, town or state where you don’t live.  Can the debt collector do that? The Rule: In legal jargon, the term “venue†refers to the proper geographic place where a court can hear a case.  State and federal venue laws […]

Should I Record Debt Collection Calls?

By: Robert J. Nahoum THE PROBLEM: You’re behind on your bills and debt collectors are hot on your trail.  The debt collection letters are pouring in the door and the phone is ringing off the hook.  Something about those debt collection calls doesn’t sound right.  You’re being told information that is false, misleading or harassing.  Can you record these calls and […]

3rd Circuit Rules Debt Collection Letter Violates The FDCPA Because It Can Be Reasonably Read To Have Two Or More Different Meanings, One Of Which Is Inaccurate

By: Robert J. Nahoum Consumer Ray Caprio filed a lawsuit in the Federal District Court for the District of New Jersey against debt collector Healthcare Revenue Recovery Group, LLC claiming that a debt collection letter he received violated Fair Debt Collection Practices Act (FDCPA) because it could confuse “the least sophisticated consumer†into taking two different courses of action.  The letter […]