Archive for March, 2010

Attorneys – Beware of the scam d’jour – The over seas client asking you to enforce her divorce settlement

Gary Nitzkin March 29th, 2010 No Comments

In the last few months, I have noticed that I have been getting similar emails from people who claim to be stuck over seas (usually in Japan, they say) and would like me to enforce their divorce settlement. This mornings’ read like this: Name: Jennifer Lunyang Email: Phone: +81-3-3423-8001 Interested In: Dear Counsel, I [...]

Debt Collectors (and lawyers too) take my message before you leave a message you might regret

Gary Nitzkin March 28th, 2010 No Comments

In Foti v NCO Financial 424 F. Supp2d 643 (S.D.N.Y. 2006), the United States District Court in New York properly held that all communications from a debt collector must contain a warning that it is a communication from a debt collector. The Fair Debt Collection Practices Act (FDCPA) , itself, at 15 U.S.C. 1622e requires [...]

Collection Attorneys – Do NOT pimp out your letterhead to your collection agency clients

Gary Nitzkin March 22nd, 2010 No Comments

Mr. Yaple, a California collection attorney represents (or may be represented) a California collection agency called TK Financial. Ms. Vlach, an Ohio consumer received a letter from Attorney Yaple in May of 2008 in which he informed her that he had been retained by TK Financial to pursue a debt against her. The letter also [...]

My speech today was a success, except for…

Gary Nitzkin March 19th, 2010 No Comments

Today my good friend and occasional opposing counsel, Charity A. Olson and I gave a speech to the Oakland County Bench/Bar convention. I sue debt collectors under the Fair Debt Collection Practices Act and Charity defends them. She is as good as it gets when it comes to defense counsel. We presented a joint talk [...]

Debt buyer must show more than payments made on account to prove its case

Gary Nitzkin March 18th, 2010 No Comments

The Michigan Court of Appeals recently overturned a District Court decision granting summary disposition to the Plaintiff in Unifund CCR v Riley. In this case, the Plaintiff sued the Defendant on an Account Stated theory rather than Breach of Contact. I am guessing that Unifund did not have any signed contract with Riley. This is [...]

I am announcing the formation of Michigan Consumer Credit Lawyers and its new blog

Gary Nitzkin March 15th, 2010 No Comments

For the past several years, I have blogged about issues affecting debt collectors and their opponents, consumers. Some people have taken issue with the fact that I help both the proverbial Coyote and Road Runner. Too bad. Running a successful law firm such as Nitzkin and Associates has its advantages such as taking the cases [...]

Has the Michigan Legislature mistakenly hurt consumers while attempting to protect them?

Gary Nitzkin March 11th, 2010 No Comments

Payday Loan Companies (“PLCs”) have a place in the financial food chain in our society. While they are akin to bottom feeders due to the high interest rates that they extort from necessitous borrowers, the fact remains that they are willing to take someone’s post dated check and give them cash that a bank or [...]

Its a small thing to plead but failure to plead it can lead to dismissal of your case

Gary Nitzkin March 9th, 2010 No Comments

Attorneys, when you file a complaint under the Fair Credit Reporting Act (“FCRA”), be sure that you can make the following allegations in good faith: a. Your client posited its consumer dispute with the credit reporting agency (and not just the creditor/furnisher directly). You or your client’s failure to notify the credit reporting agency of [...]

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