Recent Posts in Debt Collectors Category

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Debt Defense: Tips & Hacks 3 (Exempt Income Protection Act)

Last week included a lot of exemption-claim work. We are testing the limits of New York's "bad faith" clause under CPLR § 5222-a(g) [1] to hold accountable a judgment creditor, its ...
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Debt Defense: Tips & Hacks 1

Our "Debt Defense: Tips & Hacks" series was inspired by our Facebook page that we're delighted to see obtain increased viewership. Our goal is to provide quick, useable, and current ...
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Vacating a Judgment Based on Bad Service? Bring This to Court!

Improper service of the summons and complaint often is your primary weapon to seek relief against a judgment. Here's a blog post discussing the basic law involved in that process. Establishing ...
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Consent Order May Provide Relief for Chase Bank Debt

In 2015, Chase bank entered into a consent order in response to accusations from 47 Attorney Generals that Chase had committed several acts of systematic wrong-doing in its attempt to collect and sell ...
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Sued By National Collegiate Student Loan Trust? Some Basic Information

What connection does this "trust" have to my student loan? These trusts are not lenders or guarantors. National Collegiate Student Loan Trust is a trust, or series of trusts, that contain ...
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Carefully Drafted Motions Provide Leverage when Disputing Wage Garnishments

A client contacted us after she received a wage garnishment stemming from a judgment that had been obtained against her by LVNV Funding. The judgment was obtained in 2007 for about $6,000 and had rose ...
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Upon Seizure of Bank Account, Often Times Quick Settlement is the Best Solution

Each case must be considered under its facts and circumstances. Although our Recent Victories reflect many of our outright dismissals, it is important to know that settlement — especially in the ...
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Methods of Service of Legal Papers on a Person: New York

In order to properly commence a lawsuit, the plaintiff must serve a Summons and Complaint or a Summons with Notice upon the defendant. Proper service under CPLR 308 can be effectuated in a few ...
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$36K Unifund CCR Judgment and lawsuit Wiped Out for Bad Service

Fair is fair. And if a consumer is clearly not notified of a court case, why should that consumer be forced to turn over hard-earned wages toward a $36,158 garnishment? Why should that consumer even ...
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Unifund CCR Case Dismissed for Failure to Timely Serve Summons

Related to the issue in our last blog post, we caused the dismissal of a $14,000 case on the grounds that the plaintiff, Unifund, CCR, LLC, waited too long to properly serve our client. Almost a year ...
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The Clock Ticks for Plaintiffs to Serve a Summons and Complaint

To be held valid, service of the summons and complaint must be made within 120 days of commencement of the action. [1] If service is not made within that time the court may entertain two options: 1) ...
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Served Improperly with a Summons and Complaint? Move to Dismiss within 60 Days!

New York law is strict when it comes to preserving — and acting upon — a defense grounded on improper service. In a nutshell, and subject to other rules (which I invite you to contact me ...
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5 Ways the C.A.R.D. Act is Helping Consumers of Credit

On May 22, 2009, President Barack Obama signed the Credit Card Accountability, Responsibility and Disclosure Act into law. Since then, consumers have saved over 12 billion dollars, below are five ways ...
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Creditors' Burden of Proof in Student Loan Cases

To file a lawsuit, the Plaintiff is required to have standing. In order to satisfy the standing requirement: The plaintiff must have suffered an injury; Caused by defendant's actions; With a ...
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What is a Confession of Judgment?

A potent tool for plaintiffs, including creditors, is a confession of judgment. Generally, a valid confession of judgment allows a party to skip almost all legal procedure and secure a judgment ...
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Most Frequent Debt Collection Complaints of 2015

The Consumer Finance Protection Bureau has released its 2015 report to Congress. The report categorizes consumer complaints, with regard to debt collection, into six classifications. The report also ...
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Protective Order Denied in Case Involving a Fraudulent Conveyance

The case [1] appeared in the New York Law Journal three days ago. It's wildly fascinating as it touches on various aspects of judgment enforcement. An individual judgment debtor moved for a ...
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Co-Signers Beware: Judgment May Be Entered Against You Even if You're Not Served

A co-signer, or co-borrower, is usually a "joint obligor," which means that both borrowers have equal responsibility to repay the full amount of the loan. The lender can pursue legal ...
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Top Ten Consumer Frauds of 2015

The NY Attorney General published a press release listing the following top ten consumer frauds: Internet scams (i.e. privacy; consumer frauds) Automobile (i.e. buying; rental) Consumer-related ...
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Deferred Interest Credit Card Offers.... Free Credit or Debt Time Bombs?

Imagine you are in the market for a new surround sound system. You take a trip to Best Buy and find the ideal surround sound system which will allow you to enjoy your music and movies in crisp, ...
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Sykes v. Mel Harris: Notice of Proposed Class Action Settlement

NOTICE OF PROPOSED CLASS ACTION SETTLEMENT AND FAIRNESS HEARING Sykes v. Mel S. Harris and Associates LLC, No. 09 Civ. 8486 ...
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Equable Ascent Financial Case Study: Examine the Specifics of the Debt

Our client received a Notice of Garnishment by Marshal Henry Daly in the amount of $4,105. We quickly intervened by pointing to alleged defects in the underlying debt, and alleged defects in the ...
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Consumers Beware! Scam Alert (Debt Consolidation, Payday Loans & Auto Title Loans)

When you fall on hard times and your bills pile up, you may become desperate to find some financial breathing room. Capitalizing on the vulnerable consumer buried in debt, there is no shortage of ...
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Wife not Allowed to "Stand In" for Husband at Traverse Hearing Using Power of Attorney in Lawsuit Brought by Pinpoint Technologies, LLC

A New York appellate court reversed a trial court's decision to let a consumer-defendant's spouse, under a power of attorney, to "stand in" for him for purposes of conducting a ...
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Is a Garnishment Considered a Legal Action Against The Debtor or The Garnishee for Purposes of FDCPA Liability?

The Fair Debt Collection Practices Act (FDCPA) restricts the location ("venue") where a debtor may be sued for a debt: Legal actions by debt collectors FDCPA § 1692i (a) Any debt ...
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