Attempting to Collect Debt Discharged in Bankruptcy Is Illegal

By: Robert J. Nahoum Debt collectors are known for their persistence when it comes to collecting debts. However, the Fair Debt Collection Practices Act (FDCPA) imposes certain restrictions on the methods used by debt collectors to collect debts. In particular, the FDCPA prohibits debt collectors from attempting to collect debts that have been discharged in bankruptcy. Bankruptcy is a legal […]

Sued By Palisades Collection, LLC In New York or New Jersey?

By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint.  Palisades Collection, LLC or its affiliate debt buyer Palisades Acquisition XVI, LLC is suing you for an old debt. WHO IS PALISADES COLLECTION, LLC?: Palisades Collection, LLC is a debt collection agency who often collects consumer debts on behalf of its affiliate Palisades Acquisition XVI, […]

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 buyerâ€, buying up portfolios of old debt from […]

Can Debt Collectors Call Me at Work?

By: Robert J. Nahoum THE PROBLEM: Times are tough for you as they are for so many of us these days.  You’ve fallen behind on bills and the debt collectors have been after you.  You get regular letters in the mail and your phone rings all the time.  Now, you’re getting those calls at work.  Even worse, the debt collectors are […]

Should I Ignore The Debt Collection Agency?

By: Robert J. Nahoum THE PROBLEM: Anyone who has ever dealt with a debt collection agency knows how invasive, harassing and annoying they can be.  The phone rings incessantly and the letters in the mail never seem to stop.  What to do?  With a debt collection agency on your trail, there are a few options available to you: Pay them in […]

Can a Debt Collector Text Me?

By: Robert J. Nahoum THE PROBLEM: In their ever creative ways to communicate with consumers and harass them into paying debts, two Glendale California based debt collectors began a campaign of sending text messages to consumers in which they failed to disclose that the texts were coming from a debt collector. The Rule: In a recent suit, the Federal Trade Commission […]

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 […]