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Philip D. Stern & Associates, LLC
697 Valley Street, Suite 2d
Maplewood, NJ 07040
ph: 973-379-7500
697 Valley Street, Suite 2d
Maplewood, NJ 07040
ph: 973-379-7500
Web Hosting by Yahoo!
Copyright 2009-2010 Philip D. Stern & Associates, LLC
All rights reserved
Copyright 2009-2010 Philip D. Stern & Associates, LLC
All rights reserved
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| Contact us today! (973) 379-7500 webinquiry@philipstern.com |
Welcome
You came here to find out about our firm's services.
We advise, advocate for and help enforce the rights of consumers faced with debt collection.
We welcome you to explore our pages.
If you have questions about what you have read here or elsewhere, do not hesitate to email us.
Our Focus: Fair Debt Collection
We believe that the overwhelming majority of people who find themselves unable to timely pay their
debts are sincerely trying to find a way to survive. They don't become second-class citizens because
they are in default. They, like all individuals, are entitled be treated with respect, honesty and decency
by the people whose job it is to try to collect the debt.
Unfortunately, the debt collection industry acted so deplorably that Congress concluded it was
necessary to impose a code of conduct - the Fair Debt Collection Practices Act (FDCPA). The statute
was intended to both protect consumers and allow ethical collectors to not be competitively
disadvantaged by the successes of unscrupulous ones. By allowing the courts to award consumers
both their attorney's fees and up to an extra $1,000, the law encourages and empowers everyday
consumers to enforce the law.
Sometimes, consumers are sued by a creditor or a debt buyer. Our experience is that most
consumers have no real understanding of why they owe the amount which is claimed in the lawsuit.
We believe that anyone seeking the aid of the court ought to be able to prove a case with proper
evidence. In our opinion, far too frequently creditors and debt buyers lack the required evidence.
You came here to find out about our firm's services.
We advise, advocate for and help enforce the rights of consumers faced with debt collection.
We welcome you to explore our pages.
If you have questions about what you have read here or elsewhere, do not hesitate to email us.
Our Focus: Fair Debt Collection
We believe that the overwhelming majority of people who find themselves unable to timely pay their
debts are sincerely trying to find a way to survive. They don't become second-class citizens because
they are in default. They, like all individuals, are entitled be treated with respect, honesty and decency
by the people whose job it is to try to collect the debt.
Unfortunately, the debt collection industry acted so deplorably that Congress concluded it was
necessary to impose a code of conduct - the Fair Debt Collection Practices Act (FDCPA). The statute
was intended to both protect consumers and allow ethical collectors to not be competitively
disadvantaged by the successes of unscrupulous ones. By allowing the courts to award consumers
both their attorney's fees and up to an extra $1,000, the law encourages and empowers everyday
consumers to enforce the law.
Sometimes, consumers are sued by a creditor or a debt buyer. Our experience is that most
consumers have no real understanding of why they owe the amount which is claimed in the lawsuit.
We believe that anyone seeking the aid of the court ought to be able to prove a case with proper
evidence. In our opinion, far too frequently creditors and debt buyers lack the required evidence.
What We Do
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.
Through the use of local attorneys throughout
the United States and because the law applies
nationwide, we are able to represent consumers
across the country.
Our firm is also experienced in defending
consumers who have been sued to collect a debt.
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.
Through the use of local attorneys throughout
the United States and because the law applies
nationwide, we are able to represent consumers
across the country.
Our firm is also experienced in defending
consumers who have been sued to collect a debt.
Find Out More - Navigating the Site
We invite you to read more about who we are
and how we may be able to help. Please see our
Services and About Us pages.
For more background information and access to
valuable resources, see our Resources page
which includes an FAQ.
In some of our class action cases, the Court may
order that certain information be available to the
class members. We may also make available
certain documents filed with the court. This
information can be found on our Class Actions
page.
We invite you to read more about who we are
and how we may be able to help. Please see our
Services and About Us pages.
For more background information and access to
valuable resources, see our Resources page
which includes an FAQ.
In some of our class action cases, the Court may
order that certain information be available to the
class members. We may also make available
certain documents filed with the court. This
information can be found on our Class Actions
page.