I was phoned yesterday by a client who had a judgment from 2012 for an old American Express card balance of almost $16,000. American Express differs from most credit card companies because they do not sell their delinquent accounts to debt buyers like Cavalry SPV LLC or Midland Funding or...Read more
Category Archives: Debt Blog
This is a blog predominately about debt defense issues.
NJ Debt Collection Lawsuits: Common Myths vs. Reality
I sometimes visit some of the websites & message boards which are geared to assisting defendants with their cases pro-se (i.e, without an attorney’s representation). Sadly, I generally see a great deal of misinformation, falsehoods, and just downright terrible advice being tossed around on these sites by non-lawyers (or even...Read more
Sued on an old Dell Financial Services computer account? Let me help you.
I’ve blogged previously about the Dell Financial Services computer account cases. Usually the actual plaintiff in these cases is not Dell Financial Services, but rather a “junk debt” buyer such as Midland Funding LLC, Portfolio Recovery Associates, Absolute Resolutions, Cavarly SPV I, LLC etc. which purchased (via an assignment of account) your...Read more
Things to do BEFORE you consult a debt defense attorney
I generally receive upwards of 3 to 7 calls a day from new clients who wish to discuss their debt/collections case with me via a free consultation. Here are some helpful tips and pointers to make the most of your free consultation: 1. Try to call me as soon as...Read more
Using Google to evaulate your adversary. Case study: Regional Adjustment Bureau
We live in a world teeming with what used to be “inside” information (which we can use to our advantage) that is often only a few keystrokes away. I was recently contacted by a New Jersey client who was being harassed and hounded by a notorious debt collection company called...Read more
Proving lack of service to Vacate Default Judgment in NJ Special Civil
Many people first learn that they have a default judgment from NJ Special Civil Part when they receive a notice of wage garnishment out of the blue one day, or visit an ATM machine and find their account drained by the judgment creditor. Or perhaps you’ve found the house of...Read more
From default judgment to settled for 50% discount!
I’ve written previously about “debt & credit card consolidation” companies that advertise heavily on the radio (although lately, if you listen to AM radio, you’ve likely noticed that the “my pillow” guy hardly lets any other advertisers get a word in edgewise- I wonder if it might be more economical for...Read more
Debt & Credit Card Consolidation Scams – Want to Waste your Money?
“Consolidate” your credit card debt away- guess again! Lately, the radio is saturated with “debt relief” ads that brag “you have the right to settle your credit card debt for a fraction of what you owe” and other enticing sales pitches. Often they brag or intimate that they have inside information,...Read more
Americredit Financial Services suit on repo GM Finanical car
A word of warning: If you are facing repossession of an automobile in NJ, and intend to voluntarily “surrender” the vehicle to the fianance company rather than have it hooked in the middle of the night by the “repo man”, make sure to get in writing from the finance...Read more
A word about settlements
Recently, a client retained me to handle a NJ Special Civil Part lawsuit which was filed against her by Midland Funding LLC. The suit was for an old Chase credit card which was charged off by Chase in early 2011. The lawsuit demanded approx. $7000, which was the amount owed...Read more