Latest Blog Posts By Category

DO YOU HAVE A CAR PAYMENT YOU CAN'T AFFORD?

Many times people finance a brand-new or used car and they keep up the payments for a while. But then, life happens: the loss of a job or a medical emergency and suddenly they realize that they are in over their heads. They can no longer make the car payments or their disappointed by the vehicle’s performance. So they simply bring the car back to the dealership and walk away from it. At that point ...

AUTO LOAN JUDGMENTS

Many people are dealing with the problem of auto loan judgments . Their story goes something like this: So you finally bought that car you have been drooling over for the past 6 months. A few days into the purchase your new hot rod begins shake, rattle, but not roll. It eventually dawns on you that there is something seriously wrong and you return the vehicle. The dealer apologizes for the bad ...

Cell Phone Drama: The Saga Continues (But Should Have Ended Years Ago)

It seems like just yesterday that people actually waited until they got home or work to make and receive phone calls. Now with the advent of technology and rock bottom prices everyone, children and adults alike, rely on cell phones to conduct business and stay in touch with family and friends. As old cell phones come and go, so do the different carriers which service our need to stay connected. ...

Attorney Abel Pierre Successfully Defends Man Wrongly Treated as Felon

In 2012, a Navy Veteran home from three tours in Iraq began searching for a new apartment. He found one he liked, applied, and was submitted to a background check. The results of that background check revealed that the man was a felon, thus refusing his apartment application. The only problem? He wasn't a felon – not even close. While in Iraq, the man's brother used his identity and was charged ...

I Can't Get No Satisfaction!

Imagine that like many Americans you have a credit card judgment issued against you in civil court. You scrape up the money and finally pay off the judgment. A few years later you check your credit and realize that the judgment is being reported as not satisfied. You figure it is just an honest oversight and you send the credit reporting agency a letter stating that the judgment was in fact ...

Harassed by a Debt Collector? How Does the FDCPA Protect Me?

Being faced with mounting debt can be a extremely stressful experience, not only for you but for your family as well. Add to that the harassment and abusive tactics employed by many creditors and debt collectors and it may seem like there is no way out from under your financial burden. It is for that reason the federal government added the Federal Debt Collection Practices Act (FDCPA) to the ...

3 Common Credit Reporting Mistakes

Did you know that roughly 1 in 4 consumers has an error on their credit report? This is why it is important to remember to occasionally check the information contained in your credit report. Your credit report can affect your financial well-being, making it all that more important to ensure its accuracy will give you the best possible interest rates and credit options. There are a few credit ...

Business Leasing

Many small business owners don’t directly perform every task in their business. If they tried to do so they would get crushed with the workload and could never survive. That’s why they hire different vendors to provide goods and services and equipment. Often times these service contracts end up becoming a thorn in their side. This is readily apparent when we look at the problems that can arise ...

How to Fix Bad Credit After Identity Theft

In the state of New York, identity theft is a criminal offense. For victims, identity theft not only harms their financial wellbeing. It can also negatively affect their credit. If identity theft occurs, there are several steps you may take to protect your credit. After identity theft, there are 5 things to do to improve poor credit: File a police report. Identity theft is a crime, and should be ...

Bad Debt Collectors

There are many law firms that make it their business to oppress everyday consumers into paying debts that they do not owe. These rogue lawyers and law firms use sneaky tactics to weasel money out of hardworking everyday people. One of the most notorious of these is the law firm of Houslanger & Associates . Todd E. Houslanger founded the firm of Houslanger & Associates since 2005. They have been at ...

Pinpoint Technologies LLC

Many people are dealing with the reality that old debts and accounts often creep up out of nowhere. That account may have been 15 even almost 20 years old in some cases. However there are debt collection agencies that specialize in breathing new life to these old debts. Two of these rogue collection agencies are known as Pinpoint Technologies LLC and Pinpoint Technologies Too LLC . Pinpoint ...

Gym Memberships

As a new year rolls around many of us make resolutions. One of the top resolutions that people make is the commitment to finally get in shape. With that we join a gym, sign on the dotted line which obligates us to pay a low monthly fee. But then our schedule changes and we may even relocate thus needing to cancel our gym membership. Then we go on with the rest of our lives. However many times it’s ...

I Can't Get No Satisfaction!

Imagine that like many Americans you have a credit card judgment issued against you in civil court. You scrape up the money and finally pay off the judgment. A few years later you check your credit and realize that the judgment is being reported as not satisfied. You figure it is just an honest oversight and you send the credit reporting agency a letter stating that the judgment was in fact ...

Harassed by a Debt Collector? How Does the FDCPA Protect Me?

Being faced with mounting debt can be a extremely stressful experience, not only for you but for your family as well. Add to that the harassment and abusive tactics employed by many creditors and debt collectors and it may seem like there is no way out from under your financial burden. It is for that reason the federal government added the Federal Debt Collection Practices Act (FDCPA) to the ...

When Debt Collection Companies Don't Follow The Rules

There are many debt collection companies and law firms. These companies often times flagrantly violate the rules, laws and regulations regarding how debt collectors are supposed to practice their profession. For a long time one of the most notorious of these companies was a law firm commonly referred to as Mel Harris & Associates. A few years ago Mel Harris was sued for improperly pursuing that ...

The Case for Hiring an Attorney to Stop Your Wage Garnishment or Bank Account from Being Frozen

This is the time of do-it-yourself marketing. Everywhere you go, you see ads that encourage people to do their own home repairs, remodeling, education, and even to provide their own legal or health care. Although "DIY" projects can be fun, if you are facing a wage garnishment of your paycheck or your bank account has been frozen , now is not the time to delve into the complicated world of debt ...

Frozen Bank Accounts

As the holidays roll through and temperatures drop throughout the country, the local ponds and lakes are not the only things that are getting frozen. If you have an unpaid judgment against you, then you might encounter the unwelcome surprise of a frozen bank account . Bank accounts are usually frozen when a person has a judgment entered against them in a court of law. Usually this happens as a ...

Landlord Tenant Judgements

Often times good, hard-working, honest people find themselves in a situation where they struggled to pay their rent. They accumulate back rent, late fees, penalties, and even attorneys fees. When landlords take them to court they thankfully strike a deal to turn over the keys and walk away from the apartment free and clear, or so they thought. A lot of tenants are surprised when they find out that ...

When Debt Collection Companies Don't Follow The Rules

There are many debt collection companies and law firms. These companies often times flagrantly violate the rules, laws and regulations regarding how debt collectors are supposed to practice their profession. For a long time one of the most notorious of these companies was a law firm commonly referred to as Mel Harris & Associates. A few years ago Mel Harris was sued for improperly pursuing that ...

FORECLOSURE JUDGEMENT'S

Although the real estate market in this country seemed to bounce back from the crash of 2008, foreclosures are still happening at a regular pace. Many homeowners are under the impression that if they lose their house to foreclosure that they can simply walk away. Unfortunately that’s not the case. Without the representation of an experienced foreclosure attorney they fall into the trap of the ...

Do Not Ignore a Lawsuit

Most civil courts handle cases that range from a few hundred dollars to a few several thousand dollars. Sometimes people receive court summons for a dispute that might involve a few hundred dollars. A person may think that these small summons are not a big deal and ignore them. However ignoring even a small civil court lawsuit can have disastrous effects. The most immediate and obvious impact is ...

DON'T JUDGE ME!

Judgments. The very word strikes fear in the hearts of renters, potential home buyers, and anyone contemplating a credit-based transaction. Even though judgments are very powerful and could have a impact your ability to obtain credit, most people really do not understand what a judgment is or what it does. Hopefully, after reading this blog you will have a better understanding of what a judgment ...

When Student Loans Go Wrong

There are many Americans who have been devastated by the effects of a flat lining economy. Whether it is through the loss of their job or the simple need to cut back in spending, people from all walks of life are taking a hit in various ways. One common problem faced by many of the new generation is the problem of student loans . Students graduated from high school and went on to college being ...

When Debt Collection Companies Don't Follow The Rules

There are many debt collection companies and law firms. These companies often times flagrantly violate the rules, laws and regulations regarding how debt collectors are supposed to practice their profession. For a long time one of the most notorious of these companies was a law firm commonly referred to as Mel Harris & Associates. A few years ago Mel Harris was sued for improperly pursuing that ...

The Case for Hiring an Attorney to Stop Your Wage Garnishment or Bank Account from Being Frozen

This is the time of do-it-yourself marketing. Everywhere you go, you see ads that encourage people to do their own home repairs, remodeling, education, and even to provide their own legal or health care. Although "DIY" projects can be fun, if you are facing a wage garnishment of your paycheck or your bank account has been frozen , now is not the time to delve into the complicated world of debt ...

Avoid the "Unwelcoming Committee" When Returning to Work

The economy is showing slow signs of promise. The unemployment rate is slowly declining and people in this country are slowly regaining their footing by earning, saving and spending more money. However, many people are still fighting the long-lingering effect of their unemployment days. They have judgments against them and don't realize it until they are struck with the embarrassment of a wage ...