By: Robert J. Nahoum If you discovered a default judgment against you for a debt you don’t recall being sued over, you may have been the victim of improper service of process. At The Law Offices of Robert J. Nahoum, P.C., we help consumers undo these judgments using a legal mechanism called an Order to Show Cause (OSC). Below are answers to the most common […]
FAQ: Order to Show Cause to Vacate Default Judgment for Improper Service in New York
FAQ Guide: What to Do If You Receive an Information Subpoena as a Judgment Debtor in New York
By: Robert J. Nahoum Receiving an information subpoena after a debt collector wins a judgment against you can be stressful, but knowing your rights and obligations under New York law helps you respond wisely. Below, The Law Offices of Robert J. Nahoum, PC answers the most common questions judgment debtors ask about these subpoenas. If you need personalized help with consumer debt defense, contact […]
Restraining Notices & Frozen Bank Accounts in New York: Your Essential FAQ Guide
By: Robert J. Nahoum Has Your Bank Account Been Frozen by a Debt Collector? Learning that your bank account is frozen is one of the most stressful financial events a consumer can face. In New York, this is often the result of a Restraining Notice served by a judgment creditor or debt collector. If you are facing this situation, you need immediate, […]
New York Judgment Exemptions FAQ – What Can Debt Collectors Take?
By: Robert J. Nahoum What are judgment exemptions in New York? Judgment exemptions are protections in New York and federal law that keep certain income and property safe from most judgment creditors’ reach. These rules limit what debt collectors can take through wage garnishments, bank restraints, and property levies, even after they win a judgment against you. If a debt […]
How to Respond to a Wage Garnishment Notice in New York: FAQ Guide
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 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 […]