debt repair company credit card consolidation service credit consultant consumer credit counseling service They go by many names. We had a client recently … [Read more...] about Are Consumer Credit Counseling Services a Scam? Do They Actually Help Fix Your Credit?
NY Consumer Law Blog
FAQs About Debt Collector Harassment
Here’s a list of frequently asked questions about New York State debt collection laws and debt collection harassment, including the type and amount of recovery … [Read more...] about FAQs About Debt Collector Harassment
Can a Debt Collector Call Me at Work?
The answer is, it depends. For the most part, debt collectors are allowed to call you at work. But if you tell them never to call you there again, … [Read more...] about Can a Debt Collector Call Me at Work?
Can a Debt Collector Call My Employer?
If a debt collector is calling you at your work and only asking to speak with you, read “Can a Debt Collector Call Me at Work?”. If the debt collector is … [Read more...] about Can a Debt Collector Call My Employer?
What Time of Day Can a Debt Collector Call Me?
In an attempt to protect your privacy, the FDCPA restricts the times and places a debt collector may attempt to contact you. Here is the relevant section … [Read more...] about What Time of Day Can a Debt Collector Call Me?
Credit Reporting Agencies (Transunion, Equifax and Experian) and Medical Debt
Medical debt can have a significant impact on a consumer’s credit history. Providers will often send unpaid medical debts to a collection agency, which, in … [Read more...] about Credit Reporting Agencies (Transunion, Equifax and Experian) and Medical Debt
Examples of FDCPA Violations by Debt Collectors Pursuing Unpaid Medical Bills
All debt collectors, even medical debt collectors pursuing unpaid medical bills on behalf of hospitals, have to abide by certain federal and New York state … [Read more...] about Examples of FDCPA Violations by Debt Collectors Pursuing Unpaid Medical Bills
If I Have Unpaid Medical Bills, Can I Still Visit the Emergency Room if I Have a Medical Problem?
It’s a common thought that goes through the mind of uninsured or underinsured consumers with unpaid medical bills. What will happen if I need to go to the … [Read more...] about If I Have Unpaid Medical Bills, Can I Still Visit the Emergency Room if I Have a Medical Problem?
Is a New York Hospital Overcharging You on Your Hospital Bill?
New York state has a medical debt protection law (N.Y. Pub. Health Law § 2807-k[9-a]) that prohibits discriminatory pricing by hospitals that receive state … [Read more...] about Is a New York Hospital Overcharging You on Your Hospital Bill?
Debt Verification Request – What Is It and Why Should I Send One to a Debt Collector?
Under the Fair Debt Collection Practices Act, you have 30 days from the day you receive your first written communication from a debt collector to notify the … [Read more...] about Debt Verification Request – What Is It and Why Should I Send One to a Debt Collector?
What is a “Cease and Desist Letter,” and Why Would I Want to Send One to a Debt Collector?
What Is a Cease & Desist Letter? A Debt Collection Cease and Desist Letter is simply a letter addressed to a debt collector that states that you refuse to … [Read more...] about What is a “Cease and Desist Letter,” and Why Would I Want to Send One to a Debt Collector?
How Much Does a Debt Defense Lawyer Cost?
One of the most common questions we are asked, is "can I afford a lawyer to defend me?" At the Murtha Law Group, we believe in affordability and transparency, … [Read more...] about How Much Does a Debt Defense Lawyer Cost?
My Bank Account is Being Restrained; What Can I Do?
All too often a judgment debtor (a person against whom a judgment has been entered) finds out about the judgment when his or her bank account gets frozen, or … [Read more...] about My Bank Account is Being Restrained; What Can I Do?
My Wages Are Being Garnished; What Can I Do?
Often someone’s first notice that they have been sued by a creditor comes when their employer informs them that their wages are being garnished because of … [Read more...] about My Wages Are Being Garnished; What Can I Do?
How Do I Know if a Default Judgment Has Been Entered Against Me?
A monetary judgment issued by a court is an official decision that the defendant (you, the judgment debtor) owes an amount of money to the plaintiff (the … [Read more...] about How Do I Know if a Default Judgment Has Been Entered Against Me?
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