| 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. 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 advice. We are here to help consumers enforce their right to fair debt collection practices. |
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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. |
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| (973) 379-7500 |
| Copyright 2009-2018 - All rights reserved Stern Thomasson LLC |
| STERN•THOMASSON LLP 150 Morris Avenue, 2nd Floor Springfield, NJ 07081 ph: 973-379-7500 |
| a limited liability partnership |