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  • Do I Have to Pay the Creditor's Attorneys' Fees if I Lose My Credit Card Lawsuit?
    Do I Have to Pay the Creditor's Attorneys' Fees if I Lose My Credit Card Lawsuit?

    The Basic Rule: No Automatic Attorney's Fees In New York, attorney's fees are not typically recoverable damages unless there's a specific contractual agreement or statute. This is known as "the ...

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  • How to Respond to a Summons and Complaint in New York City
    How to Respond to a Summons and Complaint in New York City

    If you have been served with a summons and complaint in New York City, you must respond to it in a timely manner to prevent a default judgment. This article arms you with the knowledge and practice to ...

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  • New York Banks Freeze Double the Judgment Amount. Why?
    New York Banks Freeze Double the Judgment Amount. Why?

    Short answer: To ensure that there is an adequate sum of money to cover the judgment amount, the expenses of collection, and the continually accruing interest while allowing the judgment debtor access ...

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  • Simple Guide to Blocking Debt Collectors From Exempt Bank Funds
    Simple Guide to Blocking Debt Collectors From Exempt Bank Funds

    Key Takeaways for Protecting Your Money from Creditors Certain Funds are Off-Limits to Creditors: There are specific types of income that creditors cannot touch, no matter what. These include: Social ...

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  • 11 Questions to Raise in a Debt-Buyer Lawsuit (Authenticity of Electronic Reproductions)
    11 Questions to Raise in a Debt-Buyer Lawsuit (Authenticity of Electronic Reproductions)

    Our last blog ( Can a Debt Buyer Authenticate a Creditor's Business Records? ) addressed the general rule that debt buyers often lack the personal knowledge to "lay a foundation" to admit the original ...

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  • 4 Reasons to Vacate your Default Judgment Before Suing under the FDCPA
    4 Reasons to Vacate your Default Judgment Before Suing under the FDCPA

    Courts are in the business of reducing disputes to judgments— not revisiting issues already encompassed within judgments. Actually, that’s not entirely true. Our law practice—The Langel Firm—regularly ...

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