By: Robert J. Nahoum
THE PROBLEM:
You’ve just discovered that your bank account has been frozen or that your wages are being garnished. You learn that a default judgment has been entered against you by some company called Credit Corp. Solutions, Inc.
WHO IS CREDIT CORP. SOLUTIONS, INC?
Credit Corp. Solutions, Inc. is a “junk debt buyerâ€, based in Utah buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. Credit Corp. Solutions, Inc then sues to collect the full amount.
Through its attorneys of choice, Kirschenbaum & Phillips, P.C. and Stephen Einstein & Associates, Credit Corp Solutions, Inc.is actively filing new debt collection lawsuits and pursuing and enforcing judgments awarded years ago through wage garnishments and frozen bank accounts.
Credit Corp Solutions, Inc. is an accused violator of federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA) and has been sued by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts. It precludes third party debt collectors from using false, misleading, deceptive and harassing debt collection tactics.
THE PROBLEM WITH CREDIT CORP SOLUTIONS, INC.
To Credit Corp Solutions, Inc., you the consumer are little more than an entry on a spreadsheet, you are data. Unfortunately for Credit Corp Solutions, Inc. entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, Credit Corp Solutions, Inc. always has the burden to prove that the consumer is responsible for the debt. To meet this burden, Credit Corp Solutions, Inc. must prove that: (1) it has the right to sue you; (2) the debt is yours; and (3) you owe the amount for which you were sued. It is never the burden of the consumer to prove that he or she does not owe the debt.
WHAT YOU SHOULD DO:
If you’ve been sued by Credit Corp Solutions, Inc. in a debt collection lawsuit, consider hiring a qualified attorney experienced in debt defense. The Law Offices of Robert J. Nahoum, P.C. routinely represents consumers in debt collection lawsuits brought by junk debt buyers Credit Corp Solutions, Inc.in New York and New Jersey.
As with all of our debt defense cases, The Law Offices of Robert J. Nahoum, P.C. analyzes debt collection cases brought by debt buyers like Credit Corp Solutions, Inc. to determine if any violations of the FDCPA have occurred. If so, we recommend to our clients that suit be brought in Federal District Court on behalf of the consumer and against the debt buyer.
If a debt buyer like Credit Corp Solutions, Inc. violates the FDCPA, you can sue it for statutory damages up to $1,000.00 plus actual damages (like pain and suffering) and your attorney’s fees. In FDCPA cases, The Law Offices of Robert J. Nahoum, P.C. doesn’t charge our clients a penny out of pocket.
If you need help settling or defending a debt collection law suit, stopping harassing debt collectors or suing a debt collector, contact us today to see what we can do for you. With office located in the Bronx, Brooklyn and Rockland County, the Law Offices of Robert J. Nahoum defends consumers in debt collection cases throughout the Tristate area including New Jersey.
The Law Offices of Robert J. Nahoum, P.C
(845) 232-0202
www.nahoumlaw.com
info@nahoumlaw.com