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  • The Langel Firm Swiftly Causes Dismissal of $86,473.47 Bank Lawsuit
    The Langel Firm Swiftly Causes Dismissal of $86,473.47 Bank Lawsuit

    Regions Bank sued our client in for a line of credit issued for $90,000.00. This blog details our defensive strategy to combat the lawsuit and secure a favorable outcome for our client. Challenging ...

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  • Need to Vacate a Default Judgment? Include Good "Excuses" for Not Defending
    Need to Vacate a Default Judgment? Include Good "Excuses" for Not Defending

    Facing a wage garnishment or bank restraint due to a judgment? Consider the excuses below to help you overturn the judgment at issue. New York law (CPLR § 5015) allows you to file a motion to vacate a ...

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  • Debt Collectors Ignoring Your Settlement? How to Fight Back
    Debt Collectors Ignoring Your Settlement? How to Fight Back

    20 Rights and Strategies to Defend against Debt Collection: FDCPA Protections : Covers credit card, car loans, medical bills, student loans, mortgages, and household debts, excluding business debts. ...

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  • New York's Statute of Limitations for Debt Buyers (the "borrowing Statute")
    New York's Statute of Limitations for Debt Buyers (the "borrowing Statute")

    Dealing with Debt Buyers: A Snapshot of New York's Borrowing Statute In New York State, the "borrowing statute" (CPLR §202) is employed to determine the applicable statute of limitations for debts. ...

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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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  • 8 Surprising Trends of Covid-19’s Impact on Consumer Credit and Debt Collection
    8 Surprising Trends of Covid-19’s Impact on Consumer Credit and Debt Collection

    Pre-Pandemic 1) Before the pandemic, debt-collection-industry revenue has trended downward. Debt-collection-industry revenue has declined in recent years, decreasing from an estimated $13.5 billion in ...

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