By: Robert J. Nahoum When it comes to federal debt collection laws (the Fair Debt Collection Practices Act or FDCPA for short) there are basically four kinds of “debt collectorsâ€: 1. Collection Agencies collecting a debt for someone else like a credit card company or a hospital; 2. Debt buyers who buy up old debt from someone else for pennies on […]
Who is a “Debt Collector”?
How can I owe you a debt, I’ve Never Even Heard of You?
By:Â Robert J. Nahoum Have you ever looked at your credit report and thought “I don’t know this company, I never heard of them”. Even worse, have your ever been sued for a debt by a company you’ve never had an account with? Sadly, this happens all the time and over the last ten years or so, it has been happening […]
Those Damn Debt Collectors!
By:Â Robert J. Nahoum Tell me if any of this sounds familiar, the dishes are done, the kids have gone to sleep, you and your spouse are sitting around the kitchen table staring at pile of bills and the family finances trying to figure out if there is anything left to cut. The credit cards are maxed, your job doesn’t give […]
An FDCPA Claim Is not a Defense to A Debt Collection Case, But it is a Claim Worth Pursuing.
httpv://www.youtube.com/watch?v=iK7uk5VpqIY&feature=youtu.be by: Robert J. Nahoum THE PROBLEM: You’ve just been sued by a debt collector on an old debt.  You hired a lawyer to defend you and the lawyer tells you that the debt collector has violated federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA).  But, your lawyer also tells you that the FDCPA violation doesn’t […]
Are Debt Collectors Getting Away With Illegal Debt Collection Under The Watchful Eye Of A Chapter 7 Trustee?
by: Robert J. Nahoum I. SUMMARY A Chapter 7 bankruptcy trustee represents the estate of Chapter 7 bankruptcy debtors and is responsible for recovery, preservation, liquidation and distribution of the Chapter 7 estate assets. Among the property of the estate are causes of action or lawsuits for wrongful damage caused to the debtor. For example, if the debtor was injured when […]
- 15 U.S.C. §1692 et. seq.
- Consumer Protection
- Debt Collection Defense
- debt collector harassment
- Fair Debt Collection Practices Act
- Mortgage Foreclosure
When Is A Residential Mortgage Loan Servicer A Debt Collector?
By:Â Robert J. Nahoum I. SUMMARY Federal debt collection laws not only regulate the collection conduct of traditional collection agencies but attorneys and, in some circumstances, loan servicers. In the name of thin-profit margins, the current mortgage foreclosure crisis has pushed many loan servicers and bank attorneys to limits of these consumer protection laws. Those found to have violated debt […]