By: Robert J. Nahoum What is wage garnishment? Wage garnishment is a legal process where a creditor with a court judgment orders your employer to withhold part of your paycheck to pay a debt. In New York, creditors must first sue you, win, and obtain a judgment before they can garnish your wages. What does a notice of wage garnishment […]
How to Respond to a Wage Garnishment Notice in New York: FAQ Guide
How a Default Judgment Can Result in a Lien on Your Home
By: Robert J. Nahoum If you have been sued by a debt collector and you lose the case, or if you fail to answer the case the debt collector will obtain a judgment against you. A judgment is a court order that says you owe the debt collector money. In New York State, the judgment results in a lien on […]
Under the Gun – The Law Offices of Robert J. Nahoum Helps Client Quickly Settle Judgment Liens – Now Clear to Close
By: Robert J. Nahoum Judgment Liens Were Getting in the Way of Selling Real Estate At The Law Offices of Robert J. Nahoum, we regularly receive phone calls from consumers who are about to buy or sell a real estate but have an old judgment lien holding up the transaction. Realtors and mortgage brokers often tell the consumer that to […]
The Law Offices of Robert J. Nahoum Settles Ancient Medical Debt Judgment For less Than Principle
By: Robert J. Nahoum Our client was recently notified that her bank account had been frozen. She was stunned to learn that a debt she thought had disappeared had not. In fact, that debt had been converted years earlier to a default judgment, had been collecting interest for years and ballooned from $750 to nearly $3,000.00. The debt came from […]
NY Bans Medical Debt Judgment Liens and Wage Garnishments
By: Robert J. Nahoum On November 23, 2022, New York Gov. Kathy Hochul signed legislation banning and wage garnishments and home judgment liens in medical-debt collection cases. No one should face the threat of losing their home or falling into further debt after seeking medical care, Governor Hochul said. “I’m proud to sign legislation today that will end this harmful […]
Who is Houslanger & Associates?
By: Robert J. Nahoum THE PROBLEM: Two 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. You call the bank to find out what’s going on and are told to speak some law-firm called Houslanger & Associates. You’ve received […]
The Ripple Effect of a Default Judgment
By: Robert J. Nahoum Debt collection lawyers’ bread and butter are default judgments because they are the quickest and easiest way to hang up consumers for old debts.  The fastest way to a default judgment is when the consumer fails answer the complaint. If you are unaware that you have been sued, the debt collector can have a default judgment […]
There is a Default Judgment on My Credit Report
By: Robert J. Nahoum The Problem: You have recently discovered that you had been sued by a debt collector and that judgment has been entered against you. The judgment shows up in the public records section of your credit report and is bringing down your credit score. What should you do? The Rules: A judgment on your credit report must […]
Debt You Thought You Paid Off Through Debt Settlement
By: Robert J. Nahoum THE PROBLEM: I have written before about debt settlement and how it works. To be clear, I am no fan of debt settlement and think that it is generally a bad idea for any consumer. In my opinion, the better mechanism for dealing with debt is usually a chapter 7 bankruptcy. A common problem we see […]
What is A Judgment Lien on Real Property?
By: Robert J. Nahoum If you’ve been sued and a debt collector and a judgment has been against you, that judgment allows the debt collector to garnishee wages , freeze your bank accounts and levy on your real property including your home. The lien on real property is a passive method for enforcing the judgment meaning that the only […]