Category Archives: Debt Blog

Recently, a NJ client called me who was sued by a plaintiff named “Cavalry SPV I, LLC,” who had apparently purchased a book of old charged-off credit card debt accounts from GE Retail Bank/ Lowes Consumer Credit. My client has a vague recollection of once having had a Lowes credit...

Many clients who call me for consultations are understandably confused by the caption on the Complaint they’ve just been served with from Pressler & Pressler or other collections firms, since the name of the original creditor rarely appears in the Complaint. Instead, the caption’s plaintiff is usually “Midland Funding LLC”...

A New Jersey Temporary Restraining Order (commonly called a TRO) provides emergency protection for victims of domestic violence. TROs are granted ex parte, meaning only one party (i.e, the victim’s) testimony/allegations are needed for the TRO to issue. The New Jersey Prevention of Domestic Violence Act provides protection to victims of...

Have you been sued by a creditor such as Discover Bank, Midland Funding LLC, or a hospital/health care provider? Did you forget to Answer the Complaint, or did you never receive a copy of the Complaint in the first place? A Default Judgment in the NJ Special Civil Part can...

A few weeks ago a client who had been sued by Pressler and Pressler contacted me about a wage garnishment case. He had defaulted ages ago on a debt collection suit that was filed against him, and it was beyond the timelines in which I could file a successful Motion...

So you’ve heard a knock at the door from your friendly neighborhood mailman. He asks you to sign for a piece of certified mail. You sign and open the envelope to find the friendly greeting of a Summons, which reads: You are Being Sued! Chances are excellent that the Complaint...

A Three-Minute Self-Examination Concerning Your NJ Estate Planning “Is it time for me to review my estate planning?” That is a question that many of our clients ponder from time to time. The goal of this advisory is to turn that broad question into a series of more specific questions that may help you identify more effectively some...

So what’s the difference between New Jersey Estate Tax and New Jersey Inheritance Tax?  Many clients incorrectly assume that the “estate tax” is now reserved only for multi-millionaires such as the Hiltons and Trumps of the world. While that’s true with respect to Federal Estate Tax (which begins at 5.25...

We are often asked by potential clients “how long will it take to receive my expungement?” We understand that in many cases, one’s past criminal record may be hurting the chances of getting a job or causing other delays/problems, and everyone would as soon “have it over with” as quickly...

My office received a call yesterday from a potential client in Bergen County, NJ who had recently been arrested for “falsification” of his NJ Firearms ID Card application. This person, who I’ll call “Mr. X,” was in his mid-twenties. He applied for an FID card with his local police dept....