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By: Robert J. Nahoum THE PROBLEM You have been sued by a debt collector, you hired an attorney who timely answered the lawsuit and has won. The debt collector has lost the case because you are not the person who opened the credit card, or perhaps because they don’t have the proof they need to win.
By: Robert J. Nahoum According to the New York State Unified Court System, the infamous debt collection law-firm Selip & Stylianou, LLP filed a whopping 16,489 New York debt collection lawsuits in 2016 which is up slightly from the approximately 14,000 it filed the year before. This included nearly 3,000 cases in Brooklyn the Civil Court alone.
By: Robert J. Nahoum Schachter Portnoy, LLC is an infamous debt collection law-firm representing creditors and junk debt buyers. Debt buyers buy up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. According to the New York State Unified Court System, Schachter Portnoy filed only 47 ...
By: Robert J. Nahoum THE PROBLEM You were sued by a debt collector on an old credit card debt and a judgment has been entered against you. You’ve been making payments from time-to-time to their lawyers Forster & Garbus, LLP over the phone or through their convenient online payment system. Tough times are getting tougher and you must choose which bills get paid and which ones don’t.
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 PYOD, LLC. WHO IS PYOD, LLC? PYOD, LLC is a “junk debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, ce ...
By: Robert J. Nahoum THE PROBLEM: You’ve lost your job and fallen on hard times. Debt collectors have been after you, and are becoming increasingly abusive and harassing. Some debt collectors have even crossed the line into illegal debt collection activities in violation of the Fair Debt Collection Practices Act.
In a 50/50 tie, broken only by the vote of VP Pence, Senate Republicans and the Trump Administration voted to allow corporate abuses to continue with little to no accountability to consumers. Among the primary ways corporations, financial institutions in particular, get away with unscrupulous and abusive business practices is by forcing aggrieved consumers into binding arbitr ...
By: Robert J. Nahoum THE PROBLEM: You’ve lost your job and fallen on hard times. Debt collectors have been after you, some have even sued. A judgment has now been entered against you. You are on a fixed budget and your only source of income is unemployment. You’re worried that the debt collector will garnishee your unemployment check.
By: Robert J. Nahoum THE PROBLEM: You’ve been sued for an old debt and the debt collector has been awarded a judgment. You don’t have the money to pay off the judgment and the only thing of value you own is your car. You’re reasonably concerned that your only asset of any value is in jeopardy and are asking can a debt collector seize my car to satisfy a debt collection judg ...
By: Robert J. Nahoum Life of a Debt by the New Economy Project THE PROBLEM You lost your job or got cut back on hours. You got sick or injured an can no longer work. Whatever the case, falling on hard economic times is an all too common reality for so many Americans. Disability and unemployment pay just enough to keep the lights on.
By: Robert J. Nahoum THE PROBLEM: You’ve were served was a summons and complaint in a New York Debt Collection case. You timely filed your answer to the lawsuit and are wondering what will happen next? THE RULES: When you appear in a lawsuit without an attorney you are referred to as “pro se” and your answer to the lawsuit is referred to as a “pro se answer”.
By: Robert J. Nahoum THE PROBLEM: You have been sued by a debt collector and timely answered the lawsuit. You are now preparing your defense. The debt is old and you suspect it may be too old to sue on. How do you calculate the statue of limitations in a New York Debt Collection Case? THE RULES: There is a time limit in which a debt collector can sue to collect a debt.
By: Robert J. Nahoum You’ve been served was a summons and complaint or discovered that you have a default judgment entered against you. It’s a debt collector suing you on an old credit card or medical debt. You filed your answer or your order to show cause and now have a court date. One of the important questions you are now asking yourself is – What Should I know Before App ...
By: Robert J. Nahoum In New York State, the court system is referred to as the “Unified Court System”. However, in reality, the courts are far from unified. Each county has a “Supreme Court”. The Supreme Court has the jurisdictional authority to hear any kind of case but generally only hears cases where the amount in dispute is over $25,000.00. The $25,000.
By: Robert J. Nahoum THE PROBLEM: You were recently surprised to find that your bank account was frozen or your wages were garnisheed. You learned that a debt collector had been awarded a default judgment against you. You went to court to file an “Order to Show Cause” to vacate the default judgment but have now just been told that you motion was denied.
By: Robert J. Nahoum THE PROBLEM You’ve decided to take the plunge and buy a new car. Like most people, you don’t have enough cash on hand to buy the car outright so you are planning to finance the purchase of your new car. You get to the car dealership, find the car you want and negotiate a price.
By: Robert J. Nahoum THE PROBLEM: Does any of this sound familiar – you lost your job and have fallen behind on bills; or maybe you got sick or hurt and your insurance doesn’t cover all of your medical expenses -the doctors and hospital bills are piling up; or perhaps you just graduated from college and can’t find a job so you have been living on your credit cards or even de ...
By: Robert J. Nahoum THE PROBLEM: You come home to certified mail notice from the post office. Knowing that few good things come to you by certified mail; you are immediately concerned. Off to the post office you go to uncover the mystery. When you open the envelope, you are baffled to see a legal looking document that calls itself an “Information Subpoena”.
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