What We Do

Collection Abuse Cases. Our firm is experienced in handling
claims against debt collectors arising under the Fair Debt
Collection Practices Act. We handle both individual claims and,
when the claim seems typical of a debt collector's widespread
practice, class action claims.

Collection Defense Cases. Our firm is also experienced in
defending consumers who have been sued to collect a debt.
Using This Site to Help You

If you came here trying to find an immediate answer to a specific
issue, please review our
FAQs.

To learn more about what we do and who we are, please see our
Services and About Us pages.

Links to information about debt collection and the courts, can be
found on our
Resources page. Developments relating to both
defending collection suits and collection abuse can be found on
In
the News.

Materials from some of our cases can be found on our
Class
Actions and Appeals pages.

If you need more information about where we are and how to find
us, please visit
Contact Us.
Our Focus: Fair Debt Collection

Inability to Pay a Debt is Not a Reason to be Mistreated.
Like everyone else, someone in financial distress is entitled to
respect and honesty - particularly by the people trying to collect
those debts. To combat an intolerable level of debt collector
misconduct, Congress enacted the Fair Debt Collection Practices
Act (FDCPA). The law imposed a standard of behavior. Congress
included special benefits to consumers for bringing claims against
debt collectors engaged in unlawful conduct. Please see our
Services page for more details about the consumer's rights under
the FDCPA.

Many Debt Collectors Make the Situation Worse. The barrage
of collection calls and letters only add to the stress.
Unfortunately, there is conflicting information online, the worst of
which are non-lawyers who tap into that stress by promising
unachievable results in exchange for the few available dollars. We
hope that this site and the links on the
Resources page will assist
in providing accurate information.

Misunderstanding Debt Buyers. Increasingly, creditors are
selling defaulted consumer debts to companies which buy the
accounts in bulk. Frequently, those debts are repackaged and
sold to other debt buyers. Our experience is that many
consumers give up even when they do not understand why or
how the debt buyer is entitled to the amount it claims to be due
or whether the debt buyer legitimately acquired the account. This
issue is discussed further on the
Services page.
Welcome
You are probably here because you were contacted by a debt collector.
You are in search of reliable information and sound advise.

We are here to help consumers enforce their right to
fair debt collection practices.
This website will:
  • Describe our services.
  • Provide examples of successful cases.
  • Be a resource for useful materials.

Our experience is that most people do not realize their rights and protections under the law.
We recognize that times are tough, so we do not charge to review your situation. Please call or
email.

Unfortunately, no two situations are the same - there is no cookie-cutter or one-size-fits-all solution.
So, we invite you to call or
email us about your particular situation.
(973) 379-7500
Copyright 2009-2013 - All rights reserved
Philip D. Stern
Attorney at Law, LLC
(formerly known as Philip D. Stern & Associates, LLC)
Philip D. Stern Attorney at Law, LLC
697 Valley Street, Suite 2d
Maplewood, NJ 07040
ph: 973-379-7500