Receiving notice of a lawsuit is stressful. Jack realizes that if you are being sued by a credit card company, bank, lender, or someone else for a debt, that you likely don’t have very much money to spend towards legal representation, but the cost of not defending yourself in the action may be far greater. Contact Jack today to evaluate your options, including potential claims against the party suing you.

If you’re behind on your mortgage payments, or even if foreclosure proceedings have been commenced against you, it’s not too late to protect your home. Jack can help you defend your home against foreclosure at most stages of the foreclosure process. While New York is a judicial foreclosure state, meaning the lender who holds your mortgage must file suit in court. There are limitations, and if you own shares in a Co-Op, proceedings move much more quickly, so always act as quickly as possible.

The Real Estate Settlement Procedures Act (RESPA) is a law designed to protect homeowners from abusive practices by mortgage lenders and servicesr.

RESPA requires certain disclosures be to purchasers so as to make informed decisions. Hiring a RESPA attorney may help you better understand what rights that you have as a homeowner.

The FCRA allows consumers damaged by violations to file suit and collect damages for a host of willful and negligent violations. The violations that are actionable include, but are not limited to, incorrect reporting of payments, reporting old debts as new, reporting inaccurate balances, mixing your credit file with someone else, and failing to provide required information as to why an application for credit, insurance, or employment was denied.

If you’ve experienced harassment or intimidation, repeated phone calls after asking a collector not to call, or a debt collector has contacted other people about your debt - whether you owe the debt or not - you may have been victim to a FDCPA violation. Hiring a debt collection attorney can help stop the stress of these invasive attempts. Be sure to take good notes of all interaction, and keep in mind that debt collectors cannot legally contact you once you advise them that you’ve hired an attorney.

In the State of New York, consumers have a right to bring and action to recover damages caused by deceptive practices and/or false advertising. Violations are considered materially deceptive when they are likely to affect a consumer's selection of goods or services. While the damages incurred must be actual, the damages do not need to be economic. Damages may be awarded up to three times the actual damages, with a cap of $1,000.