By: Robert J. Nahoum THE PROBLEM: You’re out of work, fallen on hard times and your only income is from unemployment benefits. Now you’re being harassed or sued by a debt collector who has threatened to take your unemployment benefits. Can he get away with it? The Rule: Under federal debt collection laws known as the Fair Debt Collection Practices Act […]
- 15 U.S.C. §1692 et. seq.
- Collection Agencies
- Consumer Protection
- debt collection
- Debt Collection Defense
- debt collector harassment
- Fair Debt Collection Practices Act
Does a Debt Collector Violate the FDCPA When He Threatens to Take My Unemployment Benefits?
- debt collection
- Debt Collection Defense
- debt collector harassment
- Default Judgment
- Fair Debt Collection Practices Act
What Property is Exempt From Debt Collection?
By: Robert J. Nahoum THE PROBLEM: You’ve been sued, there is a judgment against you and now the debt collector is coming to enforce the judgment. You’re broke and out of work, can the debt collector take away your property? The Rule: In New York, as in most states, there is a laundry list of property exempt from judgment enforcement and […]
What’s the Difference Between a Debt Buyer and an Original Creditor?
By: Robert J. Nahoum THE PROBLEM: An unfamiliar name shows up on your credit report as a company you owe money; you get debt collection letter in the mail saying you owe money to a company you’ve never heard of; you’re being sued for a debt by a company you don’t know. The reason you’ve never heard of these companies […]
Debt Collection Lawyers Are Liars
By:Â Robert J. Nahoum Q: How can a pregnant woman tell that she’s carrying a future lawyer? A: She has an uncontrollable craving for bologna. Q: How does an attorney sleep? A: First he lies on one side, then he lies on the other. Q: What’s the difference between a lawyer and a liar? A: The pronunciation. Q: How can you […]
How Do You Stop Debt Collector Harassment?
By: Robert J. Nahoum One of the most prolific strategies used by those damn debt collectors is to annoy and harass the consumer into paying. They call you over and over again until you cry uncle and make a payment. Sometimes it feels like every time you pick up the phone it’s that damn debt collector again on the other end. […]
Can a Debt Collector Leave Me a Voicemail Message?
By:Â Robert J. Nahoum Have you recently received strange voicemail messages from debt collectors that start off with all kinds of warnings about not listening to the message? They go something like this: “This message is for Joe Shmoe, if this is not Joe Shmoe please hang up. Â This is a private message for Joe Shmoe, you have 5 seconds to […]
How Will An FDCPA Claim Help My Credit?
By:Â Robert J. Nahoum Often the best ideas for blogs come directly from questions my clients ask me. Recently, I had a Hudson Valley client for whom we are pursuing debt collection law violations ask how pursuit of those claims might help to improve his credit score. Initially, I was thrilled that he was concerned with his credit and thinking into […]
Have You Been Sued on a Time Barred Debt?
By:Â Robert J. Nahoum Among the worst debt collector tricks is suing on time-barred debts. I find this trick particularly dirty because it requires not only the debt buyer, but the collection agency and their attorneys to collude and contribute to this clear consumer protection violation. These days, consumer debt buying is a thriving $100 billion a year industry. Debt buyers […]
Got A Debt Collection Letter or Call? Tell The Debt Collector To VERIFY THE DEBT!!!
By:Â Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) generally prohibits debt collectors from using unfair or unconscionable debt collection practices when trying to collect a debt. In addition to these prohibitions, debt collectors are required by the FDCPA to provide consumer with certain notices of your rights. In its first […]
Robert Nahoum’s article, “FDCPA, FCRA Claims: Hidden Trustee Treasure?,” was recently published by American Bankruptcy Institute Law Journal
Robert J. Nahoum’s article, “FDCPA, FCRA Claims: Hidden Trustee Treasure?,†was recently published in the American Bankruptcy Institute Law Journal, Vol. XXX, No 8, October 2011. Available Here. About the Author Robert Nahoum is a New York State attorney practicing consumer protection and general litigation in the Tri-State Area including New York City, Westchester, Rockland, Nassau and Suffolk. His practice […]