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Established in 1981, our practice is limited to representing individuals and small businesses experiencing serious debt problems who can use the laws that protect them to get a fresh start by eliminating our restricting their debts.

    Stopping a Pre-authorized Debit From Being Paid

    November 15th, 2010

    pre-authorized debits often continue even after request to stop them have been made. Therefore the steps outlined below should be carefully followed to avoid further debits or to recover them if the are improperly made.

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    Tags: Debt Collectors, debt settlement company, Electronic Fund Transfer Act, Stop Pre-authorized Debit
    Posted in Debt Collection | Comments Off

    Banks Accused of Massive Scheme of Foreclosure Fraud & Perjury

    October 26th, 2010

    Will Home Owners Seeking Mortgage Modification Benefit As Result of Accusations That Banks and the Lawyers Who Represent Them Engaged in a Massive Scheme of Foreclosure Fraud & Perjury to Circumvent the Laws that Govern Foreclosure.

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    Tags: Foreclosure Defense, Foreclosure Fraud, Foreclosure in New Jersey, Foreclsure Judgment, Homeowner Protection, Mortgage Modification
    Posted in Debt Collection, News and Analysis - Mortgage Forclosure | Comments Off

    FTC Puts New Restrictions Debt Settlement Companies to Curb Abuses

    October 26th, 2010

    The Federal Trade Commission Puts New Restrictions Debt Settlement Companies to Curb Abuses the FTC Had Ignored Despite Repeated Calls by Consumer Advocates and Enforcement Actions Brought By 20 States.

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    Tags: Curb Debt Settlement Abuse, Debt Collectors, Debt Relief Plans, Debt Settlement Scams, new FTC consumer protections
    Posted in Debt Collection | Comments Off

    Wage Garnishments Are Enforced On First Come First Serve Basis

    June 29th, 2010

    We are sometime asked by debtors whose whose earning are being garnished and whose employer receives a second wage garnishment order whether both garnishments will be enforced at the same time. As the Courts of the State of New Jersey have explained wage garnishments are enforced sequentially.

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    Tags: Debt Collection, Wage Garnishment
    Posted in Debt Collection | Comments Off

    What Debt Collectors Can and Cannot Do?

    May 27th, 2009

    People who are experiencing serious debt problems face many difficult decisions. If they feel that they are unable to pay their creditors and debt, they may face the difficult choice of whether to consider a Chapter 7 or Chapter 13 Bankruptcy. These difficult decisions are often exacerbated by constant, harassing phone calls from debt collectors.

    The Fair Debt Collection Practices Act (FDCPA) is Intended to Protect Consumers from Abusive Practices by Debt Collectors.

    More »

    Tags: Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Creditor Harassment, Debt Collection, Debt Collectors, Fair Debt Collection Practices Act, FDCPA
    Posted in Debt Collection | Comments Off

    Related posts

    • Fair Debt Collection Practices Applies to Mortgagee’s Attorneys in Foreclosure Proceedings

    • FTC Puts New Restrictions Debt Settlement Companies to Curb Abuses

    • Stopping a Pre-authorized Debit From Being Paid

    • Frequently Asked Question About the Bankruptcy Act of 2005 & Divorce, Support, Marital Property & Debt.

    • Chapter 7 and 13 Consumer Bankruptcy and Tax Returns

    • Banks Accused of Massive Scheme of Foreclosure Fraud & Perjury

    • Some Receipts Not Counted as Income in Chapter 7 or Chapter 13 Bankruptcy Cases

    • Case Highlights Importance of a “Complete” List of All Creditors in Chapter 13 or Chapter 7 Bankruptcy

    • Effect of Claims of Fraud & Perjury by Banks On Mortgage Modification

    • Under Pennsylvania Law Anti Modification Provision of Section 1322(b)(2) Does Not Prevent Mortgage Modification Where Mortgagee’s Security Interest in Mobile Home Was Additional Collateral

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