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.
If you are faced with consumer debt problems, we encourage you to contact us with your questions and concerns.
We do not charge for an initial consultation and, more often than not, we
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
The overwhelming majority of people who find themselves unable to timely pay their debts are sincerely trying to find a way to
survive an increasingly competitive society. They don't become second-class citizens because they are in default. Like all
individuals, they are entitled be treated with respect, honesty and decency by the people whose job it is to try to collect debts.
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 and that includes creditors and debt buyers. In our opinion, far too
frequently creditors and debt buyers lack the required evidence which we feel not only is essential to the case but also essential
to maintain the credibility of our judicial system.
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.
If you are faced with consumer debt problems, we encourage you to contact us with your questions and concerns.
We do not charge for an initial consultation and, more often than not, we
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
The overwhelming majority of people who find themselves unable to timely pay their debts are sincerely trying to find a way to
survive an increasingly competitive society. They don't become second-class citizens because they are in default. Like all
individuals, they are entitled be treated with respect, honesty and decency by the people whose job it is to try to collect debts.
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 and that includes creditors and debt buyers. In our opinion, far too
frequently creditors and debt buyers lack the required evidence which we feel not only is essential to the case but also essential
to maintain the credibility of our judicial system.
| 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. |
| 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/FAQ 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. |
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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 2009-201 Philip D. Stern & Associates, LLC
All rights reserved
Copyright 2009-201 Philip D. Stern & Associates, LLC
All rights reserved
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| (973) 379-7500 webinquiry@philipstern.com |
