Since I started Caveat Emptor, I have written many articles on debt collection, but I have never gathered them all in one place. Now, I have. The Debt Collection Help resource page is the first of several resource pages I am working on that will pull together my best posts in one convenient place.
Jim Moriarty is a graduate of the same “boot camp” program for FDCPA lawyers that I attended. In fact, he and I attended the same session! Jim has been practicing law for close to 30 years, and he is “committed to and passionate about providing personal, quality legal representation to his clients.”
To contact Jim, visit his Iowa consumer attorney profile.
All of the consumer and bankruptcy lawyers in our directory are members of either the National Association of Consumer Advocates (NACA) or the National Association of Consumer Bankruptcy Attorneys (NACBA). Additionally, we do a basic check to ensure no lawyers in the directory have been subject to public discipline.
When you contact a consumer or bankruptcy attorney listed on Caveat Emptor, you can expect:
If you are a consumer or bankruptcy attorney interested in joining our database, here are the details.
Debt collectors treat the courts like a division of the collection agency, but New York judges are finally starting to object.
Privately, some judges say they are embarrassed that in many New York courts, debt-collection lawyers have grown so comfortable that they give the impression they are in charge of the proceedings and do not need prove their claims with strong evidence.
A victim of the collection agencies who was awarded $4,800 for the ethical violations of a New York collection law firm, Eltman, Eltman & Cooper, said:
They don’t care if you’re sick; they don’t care if you’re poor,” Ms. Bohnet said in an interview at her job in Woodmere. “Their only job is to collect money, and they’ll do it in any way possible.
The NYT story is riddled with great quotes. Here is one from Judge Straniere:
Like the Land of Oz, run by a Wizard who no one has ever seen, the Land of Credit Cards permits consumers to be bound by agreements they never sign, agreements they may never have received, subject to change without notice and the laws of a state other than those existing where they reside.
In New York, Some Judges Are Now Skeptical About Debt Collectors’ Claims | NYT (thanks, Martha!)
Getting called or served with a lawsuit by a collector is a pain, at best. You can help yourself deal with debt collection with free information and tools online, but not everything you find will actually help. Here is a selection of resources that will:
Finally, you can get debt collection help from a lawyer. Most consumer rights lawyers will give you a free case evaluation, and may be able to represent you on contingency, so that you pay nothing unless the collector pays you.