By: Robert J. Nahoum Consumer lawyers are, as the name implies, lawyers who focus their practices on consumer issues. What are consumer issues? Consumer issues are those legal issues that arise when regular people (as opposed to businesses) go out into the market place to buy goods or services. For example – buying a car, getting a mortgage to buy […]
What is a Class Action Consumer Lawsuit?
How to Tell the Legitimate Debt Collectors from the Frauds
By: Robert J. Nahoum Anyone who has ever dealt with a debt collectors knows how invasive and annoying they can be. The phone rings incessantly and the letters in the mail never seem to stop. Sometimes debt collectors cross the line between aggressive debt collection and harassment. When they do cross that line, Federal consumer protection laws step in to […]
What Does it Mean to be “Sent to Collections”?
By: Robert J. Nahoum I have often heard consumers tell me that they have been “sent to collections†or that a creditor has threatened that if a payment is not made, he or she will be “sent to collectionsâ€?  I think at one time or another we’ve all heard this threat but what exactly does it mean? What happens at […]
Bock v. Pressler & Pressler – 4 Seconds is Not Meaningful Attorney Review
By: Robert J. Nahoum Federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA for short) protects consumers from unscrupulous debt collectors. The FDCPA establishes a general prohibition against the use of “false, deceptive, or misleading representation or means in connection with the collection of any debt.” The various subsections of the FDCPA, sixteen in total, provide […]
Can Social Security Be Garnisheed?
By: Robert J. Nahoum THE PROBLEM You are retired or maybe you got hurt on the job and your only source of income is social security or other government benefits. You fell behind on bills and used the credit cards to make up the difference. You could no longer make the minimum payments and now the creditors have sued you. […]
Is Credit Reporting An Attempt To Collect A Debt?
By: Robert J. Nahoum THE PROBLEM: You’re just about to close a deal on buying a new car, or perhaps a new home. You’ve come to an agreement on the sales price and your sitting at the closing table, the only thing left is to secure the loan. You surprisingly learn that there is a negative entry on your credit […]
Sued By Pressler and Pressler in NY or NJ?
By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint, the law-firm Pressler and Pressler, LLP is listed as the attorney for some company you have never heard of who is suing you for an old debt you’re not familiar with. WHO IS PRESSLER AND PRESSLER, LLP?: Pressler and Pressler is most often identified […]
In What Courts Are New York Debt Collection Cases Filed?
By: Robert J. Nahoum The New York court system is called the “New York State Unified Court Systemâ€. However, the courts don’t always seem to be “unifiedâ€. There are a variety of different courts in different parts of the state that hear different kinds of cases. Each county has a “Supreme Courtâ€. The Supreme Court has the jurisdictional authority to […]
2nd Cir. Court Of Appeals Allows Fraudulent Default Judgment Class Action to Proceed
By: Robert J. Nahoum THE PROBLEM: In the matter Sykes et al v. Mel S. Harris and Associates LLC et al, the U.S. Court of Appeals, 2nd Circuit has ruled that a district court was in its rights to grant class action status to a case in which debt buyer Leucadia National Corp and its lawyers Mel Harris and Associates […]
Sued By Razor Capital, LLC In New York or New Jersey?
By: Robert J. Nahoum THE PROBLEM: You have just been served was a summons and complaint. Razor Capital, LLC is suing you for an old debt. WHO IS RAZOR CAPITAL, LLC?: Razor Capital, LLC is an infamous “debt buyerâ€, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies […]