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  • 2023: The Year Millions Reconnect with Their Student Debt
    2023: The Year Millions Reconnect with Their Student Debt

    What’s Going on with Student Loan Repayments in 2023? In October 2023, about 27 million borrowers are expected to restart their student loan payments, marking an end to a three-year hiatus. The blog ...

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  • 2022 Poverty Surge: What Debtors & Lawyers Need to Know
    2022 Poverty Surge: What Debtors & Lawyers Need to Know

    U.S. Poverty Rate Soars in 2022 Poverty Rate: Jumped from 7.8% (2021) to 12.4% (2022). Child Poverty: Doubled from 5.2% to 12.4%. Reasons for Increase: Expiration of pandemic federal aid and rising ...

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  • Pursued Twice for the Same Debt?  Assert Your Rights Immediately!
    Pursued Twice for the Same Debt? Assert Your Rights Immediately!

    Attempted Garnishment after Satisfaction of Judgment: A Case Study In one matter, our client wasn't sued twice but was garnished twice, which also happens. Originally, he hadn't been served properly, ...

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  • 7 Powerful Lawsuit Defenses for New York Debtors in 2023 (Consumer Credit Fairness Act)
    7 Powerful Lawsuit Defenses for New York Debtors in 2023 (Consumer Credit Fairness Act)

    What is the New York Consumer Credit Fairness Act? On November 8, 2021, New York State enacted the Consumer Credit Fairness Act (“CCFA”), which implements comprehensive changes to New York’s Civil ...

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  • 15 FAQ’s about Statute of Limitations, Debt Collection, and Credit Reporting
    15 FAQ’s about Statute of Limitations, Debt Collection, and Credit Reporting

    1) What is the statute of limitations? It’s the time period in which a plaintiff has the legal right to sue. It starts from the date of your missed minimum payment. If a collector sues within that ...

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  • 50 Reasons to Sue your Debt Collector under Federal Law
    50 Reasons to Sue your Debt Collector under Federal Law

    The below is a list of 50 clear violations of the Fair Debt Collection Practices Act. [1] Most of these are in the collection-litigation landscape. This list was first inspired by only one ...

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