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You’re Not Alone: How to Navigate Credit Card Debt

in New York and Find Your Path to Financial Freedom

If you’re struggling with credit card debt in New York, it can feel like you’re trapped in a cycle that never ends. But take heart—you are not alone. Thousands of New Yorkers are facing the same challenge, and there are concrete steps you can take to regain control of your finances. With rising interest rates, inflation, and the high cost of living in New York City, credit card debt is more burdensome than ever. In fact, credit card debt in the U.S. reached record levels in 2024, with millions of Americans, including many in New York, finding it increasingly difficult to make ends meet. But despite the financial strain, there are resources and legal protections to help you find a way out.

The State of Credit Card Debt in New York

In 2024, many New Yorkers were and still are grappling with mounting credit card debt. Rising interest rates—sometimes exceeding 20%—have made it even harder to pay down balances, and this is compounded by New York’s high cost of living. Whether you're living in Manhattan, Brooklyn, or upstate, credit card debt can quickly spiral out of control, making it feel like there’s no way out.

New York State has its own set of financial realities that you need to navigate. For example, if you're in Manhattan, where the cost of rent and basic necessities is sky-high, it’s easy for debt to accumulate faster than your income can keep up. And in upstate New York, where wages tend to be lower, even small credit card balances can become overwhelming. But no matter where you live in the state, you're not alone—New York's consumer debt issues are widespread, and there are ways to get help.

What You Can Do Now: Take Action Before Facing a Lawsuit

If you're behind on your credit card payments and worried about a lawsuit, don't panic. New York law offers several protections and resources that can help you get back on track. Here’s what you can do before things escalate:

1. Prioritize Your Debts

Take a close look at your debts. Start by prioritizing your credit card balances that carry the highest interest rates or that are in danger of turning into legal actions. In New York, unpaid credit card debt can lead to collections and even lawsuits, so addressing the most urgent balances first can help you avoid further damage to your financial health.

For example, if you owe money to a New York-based credit card company, they may file a lawsuit in a local civil court if your debt remains unpaid for long enough. Once the lawsuit is filed, you may face wage garnishment or even the seizure of your property. Prioritize the accounts that have the potential for the most serious legal consequences.

2. Contact Your Creditors

Before your credit card companies decide to take you to court, contact them. In New York, many creditors will work with you to establish a payment plan, reduce interest rates, or even offer temporary relief. Simply calling them to discuss your situation can often prevent collection calls and buy you some time to get your finances in order.

If you are having trouble with a specific creditor, you can file a complaint with the New York Department of Financial Services (NYDFS), which regulates financial institutions operating in the state. They may be able to assist in resolving disputes or negotiating better terms for you.

3. Seek Non-Profit Credit Counseling

Consider contacting a non-profit credit counseling service. These agencies can help you assess your financial situation and develop a Debt Management Plan (DMP). With a DMP, you may be able to consolidate your payments and reduce your interest rates—helping you pay off your debt faster and more affordably.

There are several reputable non-profit organizations in New York, such as The National Foundation for Credit Counseling (NFCC) and Money Management International (MMI), which provide free or low-cost services to New Yorkers in financial distress.

4. Consider Debt Settlement

If you’re already behind and facing legal threats, you may want to explore debt settlement. This involves negotiating directly with creditors to pay less than what you owe, typically in a lump sum or through a structured payment plan. While debt settlement can be an effective way to reduce your debt, it’s important to understand that it may affect your credit score, and creditors are not always willing to negotiate.

In New York, if you're dealing with multiple creditors and mounting debt, a debt settlement attorney familiar with New York state law can help negotiate a settlement on your behalf. They can also help you navigate the legal system if you're facing a lawsuit.

What to Do If You’ve Been Sued

If you’ve already been served with a lawsuit, it’s crucial to act quickly to protect your rights. In New York, failure to respond to a lawsuit within the prescribed timeframe can lead to a default judgment. This means you could lose your case automatically, resulting in wage garnishment, bank account levies, or the seizure of your property.

Here’s how to proceed if you've been sued:

1. Review the Documents Carefully

When you receive a lawsuit, carefully read the summons and complaint. Make sure that the creditor is legitimate and that they have provided all necessary documentation to back up their claim. Under New York law, creditors must provide clear proof of the debt in court. If they cannot prove that you owe the debt, the case may be dismissed.

2. Respond on Time

In New York, you have 20 days from the date of service to file an answer to the lawsuit with the court. If you fail to respond within this period, the court may issue a default judgment, which can result in serious financial consequences. If you’re unsure how to respond, it's crucial to consult with a qualified attorney.

3. Don't Wait - Get Legal Help Today

Contact a credit card defense attorney immediately if you’ve been sued. A lawyer who specializes in New York debt law can help you understand your options, including filing an answer to the lawsuit, negotiating a settlement, or defending against the claim. Experienced attorneys can also help you identify any mistakes made by the creditor in the lawsuit, which could result in the case being dismissed.

We’re Here to Help on Your Path to Financial Freedom

At The Credit Card Defense Center of New York, we understand that dealing with credit card debt in New York can feel like a heavy burden. But you don’t have to face this alone. Whether you’ve already been sued or are just worried about mounting debt, we can help. Our team of experienced New York credit card defense attorneys offers free consultations to assess your situation and provide personalized advice.

We’ve helped countless New Yorkers protect their assets, negotiate settlements, and defend against lawsuits. With the right strategy, it’s possible to reduce your debt, protect your rights, and start over with a fresh financial outlook.

Take the First Step Toward Financial Freedom Today

Remember, you can regain control of your financial future. The key is taking action now. Whether that means negotiating with your creditors, seeking credit counseling, or getting legal assistance to fight a lawsuit, we are here to guide you every step of the way.

If you’re struggling with credit card debt in New York or have already been sued, contact us today for your no-obligation consultation. We’ll listen to your unique situation, offer you honest advice, and help you find a path to financial freedom.

The Credit Card Defense Center of New York

Phone: 212-591-0400

Email: info@creditcarddefensecenter.com

Don’t wait—reach out now to get started on your journey toward a debt-free future.

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CFPB lawsuit against Zelle, Bank of America, JPMorgan Chase, and Wells Fargo for fraud.

Zelle ? What's happening at Zelle ? Fraud or Confusion ?

By Rich Sweiger • December 22, 2024

On December 20, 2024, the Consumer Financial Protection Bureau (CFPB) sued Zelle's operator and major banks, including Bank of America, JPMorgan Chase, and Wells Fargo, for failing to protect consumers from fraud. The lawsuit alleges that these banks, co-owners of Early Warning Services (which operates Zelle), were responsible for losses exceeding $870 million over the past seven years due to inadequate fraud prevention. The CFPB claims Zelle and the banks neglected to implement safeguards and failed to investigate consumer fraud complaints.

Being debt free. Debt free consumer. Debt free and happy.

I paid my card off ! I have a zero balance. Should I close my account now ?

By Jeff Beck • December 15, 2024

In our latest post, we explore the implications of closing a zero-balance credit card and its effects on your credit score and financial health. Discover insights on credit utilization ratios, the importance of keeping accounts open, and when it may be wise to close a card. We’ll help you understand your credit history's role and outline steps to take if you choose to close a credit account. Plus, we address frequently asked questions to support your decision-making. Empower your financial journey with expert advice from the Credit Card Defense Center!

Raising Credit Scores Fast !

By Jerry Lee • December 4, 2024

Five Quick Ways to Boost Your Credit Score Today! Improving your credit score doesn’t have to be a long, drawn-out process. By following these simple steps, you can make a noticeable impact on your credit score quickly—sometimes in just a few weeks. If you’re serious about repairing your credit, these tips will help set you on the right path. 1. Use Goodwill Letters to Remove Late Payments One of the quickest and easiest ways to improve your credit score is by addressing late payments. Start by reviewing your credit report and identifying any late payments within the last two years—especially from companies you still do business with (like a credit card issuer). Write a goodwill letter explaining why you were late and kindly ask them to remove the late payment from your record. Many creditors will agree to do this, especially if you can provide a reasonable explanation. It’s a simple, effective method to improve your credit score without much hassle. 2. Increase Your Credit Limits Another great way to raise your credit score is by increasing your available credit. Contact your credit card issuer and request a higher credit limit. A higher credit limit helps lower your credit utilization ratio, which is a key factor in your score. Many credit card companies will approve limit increases without checking your credit report, and they’ll report the new limit to the credit bureaus within 30 days. This could have a positive impact on your score right away! 3. Dispute Inaccurate or Outdated Negative Information Review your credit report for any inaccurate or outdated negative entries. If you notice any mistakes—such as accounts that aren’t yours or incorrectly reported late payments—dispute them with the credit bureaus. Pay special attention to the “date of last activity” for each negative entry. If these dates are incorrect or have been “re-aged” to appear more recent, it could hurt your score unnecessarily. Make sure this information is accurate across all three major credit bureaus (Equifax, Experian, and TransUnion). 4. Become an Authorized User on a Family Member's Account If you have a friend or family member with a strong credit history, ask them if you can be added as an authorized user on their account. This can boost your credit score by incorporating their positive credit history into your report. While credit scoring algorithms are becoming more sophisticated, this tactic is still effective for most people. Just ensure that the primary account holder has a good payment history and a low balance-to-limit ratio. 5. Create a Debt Payoff Plan If you’re carrying high credit card balances, the best thing you can do is work to pay them down. The closer your balances are to your credit limits, the more negatively it will affect your score. Start by paying off the cards with the highest interest rates or the highest balances. If possible, pay down at least 70-80% of the balance—this will significantly improve your credit utilization ratio and boost your score. If you’re struggling to come up with the funds, consider borrowing from a friend or family member, or transferring your balance to a lower-interest credit card. By following these simple steps, you can quickly raise your credit score and improve your overall financial health. These strategies are efficient and impactful, helping you focus on the actions that make the biggest difference. "FICO" Credit Scores Your FICO Score is the most widely used credit score by lenders and reflects your true creditworthiness. To get your official FICO Score, visit MyFico.com or Equifax. Keep in mind, other credit scores are just estimates and may not give you an accurate picture of your credit health. Credit Monitoring Credit monitoring is a service that tracks your credit report every day and alerts you to any new changes or activities, such as new accounts or late payments. Staying on top of your credit helps you catch issues early and ensures you can take action before they impact your score. Ready to take control of your credit and improve your financial future? Let us help you navigate the process of credit repair with professional guidance and support. Reach out today to learn how our services can help you build a better credit score and achieve your financial goals.

But I have a default judgment already ! What can I do now ?

By Jerry Lee • November 30, 2024

Got a default judgment against you ? We can hep in most circumstances. Read On... A default judgment is a serious legal issue that affects many consumers and businesses. It occurs when a plaintiff wins a civil case because the defendant fails to respond or appear within the required timeframe. Unfortunately, default judgments are all too common, and they can have devastating consequences, including wage garnishments, bank levies, and liens. How Default Judgments Happen Default judgments often arise due to improper or faulty service (ie: delivery ) of legal papers because, in many cases, process servers hired by debt collection law firms deliver the legal papers to the wrong address or even falsify their reports on the affidavit (ie: proff ) of service. As a result, you will never receive the lawsuit until it's too late, And, then, a judgment could very easily break entered without your knowledge. Ouch !! Sometimes our clients move without updating addresses with creditors. And if the debt collectors use outdated addresses, you might not get notice of a lawsuit and can lose by not showing up ti Court and a default judgment will be entered sgjunt you. Misunderstanding or ignoring a summons: Some individuals may receive legal notices but dismiss them as scams, not realizing the serious consequences of failing to respond. Creditors, including debt buyers like Midland Funding and LVNV Funding, as well as original creditors such as Bank of America and American Express, frequently seek default judgments. A troubling trend we've seen is the high rate of defaults in Merchant Cash Advance (MCA) cases. In these business debt cases, creditors often bypass traditional service requirements, sending notices by mail or email. Yet, many fail to ensure the correct addresses, which can lead to default judgments against businesses that were never properly served. Vacating a Default Judgment If you’ve had a default judgment entered against you, there are options to challenge and vacate it. Under New York's CPLR (Civil Practice Law and Rules), there are two key ways to have a judgment overturned: CPLR 5015: A default judgment can be vacated if you can show a reasonable excuse for not responding and present a meritorious defense. This motion must be made within one year of learning about the default judgment. Additionally, if service was improper (e.g., to the wrong address), the judgment may be voided. CPLR 317: This rule allows for the vacation of a judgment without a reasonable excuse, as long as a meritorious defense is asserted. It’s especially useful in Merchant Cash Advance cases where businesses are rarely served personally. However, the motion must be filed within one year of learning about the judgment, and within five years of its entry. While CPLR 317 can be very helpful, especially in MCA cases, the five-year cap means it may not apply to older judgments. Why Vacating a Default Judgment is Critical Vacating a default judgment can provide significant relief. It: Reopens your case: You can defend yourself and present your case on its merits, rather than losing by default. Stops enforcement actions: Any existing bank levies, liens, or wage garnishments will be lifted, preventing further financial hardship. Prevents further accrual of interest: Default judgments can result in interest accumulating on the debt, but vacating the judgment stops this process. Shifts the burden back to the creditor: Once the case is reopened, the burden of proving the debt shifts back to the plaintiff. If you’re deal with a default judgment right now, don’t wait for the situation to worsen. The Credit Card Defense Center of New York is here to help you understand your rights and explore your options for fighting back. Our experienced team specializes in credit card defense, debt collection cases, and vacating default judgments. Contact us today for a consultation and take the first step toward regaining control of your financial future. about the default judgment. Alternatively, under CPLR 317 a judgment can be vacated without having to show a reasonable excuse but only a meritorious defense instead if the defendant was not personally served. However, the motion must be made within one year after notice of the judgment and within a maximum of five years of the entry of the judgment. Although CPLR 317 is a fantastic rule for vacating Merchant Cash Advance default judgments due to the fact that they rarely ever try to personally serve businesses, the five-year cap prevents people and businesses with older judgments from using it. The meritorious defense needs only to be asserted and not proven although it does need to be legitimate. This is important so as not to become involved in a full hearing about meritorious defenses which should be done in litigation once the matter is re-opened.Vacating a default judgment is important because it re-opens the case and allows the defendant to defend themselves on the merits instead of losing on default. It is also important because it removes any bank levies, liens or garnishments that are in place or that could be brought. Finally, it stops judgment interest from accruing and brings the leverage back on to the side of the consumer or defendant and places the burden to prove the case back on to the plaintiff.

What happens when I dispute a debt ?

By Jerry Lee • November 29, 2024

What Happens When You Dispute a Debt? If you dispute a debt in writing during the validation period, the debt collector must stop trying to collect the debt—or any part of it that's in dispute—until they provide verification of the debt. This means that once the debt collector receives your written dispute, they cannot continue collection efforts until they send you proof of the debt or a copy of a court judgment. To resume its collection, the debt collector must send you the verification (such as a copy of the judgment or other documentation) in writing or electronically. If they choose to send it electronically, they must follow the rules outlined in a law called the the E-SIGN Act, which sets guidelines for electronic communications. Ways to Dispute a Debt in Writing: You can dispute a debt in several ways, including: • Mailing a letter to the debt collector. • Sending an email or using an online portal, if the collector accepts electronic communication. • Delivering a dispute in person or via a courier service. Special Situations: By the way, if the consumer is deceased and has not disputed the debt, someone authorized to handle the deceased person's estate can dispute the debt on their behalf. Important Note: By the way, just because you don’t dispute a debt doesn’t mean you’ve admitted to owing it. Failing to dispute the debt doesn’t automatically mean you are legally responsible for it. See the law about this at 12 CFR 1006.38(d)(1).

Senior worried about credit card debt lawsuit in New York.

I'm retired. Can they get my pension or Social Security ?

By Jerry Lee • November 29, 2024

Seniors in debt do not have to worry about thier Social Security or pensions bin seized by he debt collectors in New YIrj beach this money is exempt.

I'm done ! I need a Fix ...to my Credit...

By Jerry Lee • November 28, 2024

Revive your credit to empower your future ! Improving your credit score is possible. But it takes time and dedication.

What are some common defenses to a creditor lawsuit against me ?

By Jerry Lee • November 22, 2024

Because we are on our way Court for you instead... . As New York Credit Defense Attorneys , we focus on helping clients navigate and resolve debt-related challenges without the need for bankruptcy. While bankruptcy may seem like a quick solution, we believe that most clients can avoid this drastic step by working through their financial difficulties. Bankruptcy often means relinquishing control over your financial life and facing long-term consequences that can be avoided with the right credit defense strategy. Each debt defense plan we design for you and will be a tailored solution for your particular financial and credit circumstances with the objective of reaching solutions that address our clients' unique financial situations. Our goal is to help our clients overcome their debt and debt collection issues and finding resolutions through negotiation or legal defense in Court, and, ultimately, move toward a better financial future. This is why we specialize in credit and debt defense and not bankruptcy. By working with the The Credit Card Derfense Center, you can protect your assets and avoid the pitfalls of bankruptcy, regaining control of your financial life. Common Defenses in a Debt Collection Case A defense is a reason why the plaintiff should not win the case. You tell the Court your defenses when you answer the summons and complaint or when you ask the Court to vacate default judgment. You must then prove your defenses in Court. If you prove your defenses then the plaintiff will lose and you will win the case. Listed below are examples of defenses to a debt collection case. Read the explanations carefully to see if any of them apply to you. Everyone’s case is different. Some of the defenses may apply to you and most may not. You can also tell the Court about a defense that is not listed below. You should tell the Court about all of your defenses. In defending you, we will use these defenses if appropriate in your case . You do not owe the money .  We'll u se this defense when you simply do not owe the money that the plaintiff is asking for. You dispute the amount of the debt - Plaintiff is suing for the wrong amount of money This defense is used when the plaintiff sues you for the wrong amount of money in the complaint. All the amounts listed must be right, including interest, collection costs and attorneys fees. Plaintiff has been unjustly enriched.  This defense is used when the money in the complaint is much higher than what you think you owe and you've been, in essence, taken advantage of in the transaction in question. Remember interest can make the money you owe higher than the original money that you borrowed. But in dealing with these cases, we never have our clients wind up paying interest when we resolve these cases. The credito r is violating the duty of good faith and fair dealin g .  This defense is used when you think that you have tried to take care of this debt in a fair way, but the other side has not been fair or was not honest with you. Plaintiff waited too long to sue you . This is called laches, which is a defense used when the creditor waited too long on purpose to bring you to court or to sell your debt to the plaintiff. This case surprised you and the delay is very bad and makes it hard for you to defend the case. The amount of delay depends on the facts of each case. If the creditor has a good reason for the delay this defense will not win. Contract is very, very unfair or, in other words, unconscionable. This defense is used when the agreement was not fair and is very, very one-sided. “Shockingly” unfair. We use this defense mainly as bargains leverage in negotiating with the debt collector and the collection attorneys. Statute of limitations has passed. In other words, it's simply too late too for the debt collector to sue you. Statute of limitation laws are in place because waiting too long to sue you is inherently unfair because, a s time goes by, people and companies lose old records and people do not remember details as well. Because of this there is a struct time limit for bringing lawsuits. This is called the "statute of limitations". In New York, as of April 7th 2022, the Consumer Credit Fairness Act established a 3-year time limit on many kinds of debts including all consumer credit transactions. If you are sued in certain other kinds of consumer debts, longer statutes of limitations may apply. Contact us at the Credit Card Defense Center for more details about this defense. Also, as of April 7th, 2022, any additional payments on the debt after the statute of limitations has expired will not extend the limitations period for most types of consumer debts. And, if the company is based outside of New York State, of the contract is to be interpreted under the law of another state, the statute of limitations may be shorter depending on that state’s statute of limitations. We simply do a comparison and use the defense on the shorter statute for your benefit. You filed bankruptcy, and it included this debt. .  This defense is rare because once you file bankruptcy, your debts are dealt with in federal court and no longer in the Courts of the State of New York. Simply put, if the debt was discharged in bankruptcy you do not owe the money. The secured property (collateral) was not sold at a commercially reasonable price. This is our very favorite defense when it comes to vehicle reoissesions. in fact, if yr veggie as reposted and you are being sued for s defocilmcy, we can usually put up a very good defense based on the way the vehicle was repossessed and sold atmost likely, an auction. and most likely for less money that it was actually with at the tie of the sale. If you don’t pay your debt, the collateral is sold to pay back the money you owe. If the money from the sale of the collateral does not cover the entire remains debt, the plaintiff may sue you for the difference. The repossessed collateral should be sold by the debt collector or the debt collection attorney for a “commercially reasonable” amount, which is a fair, market price. You never had a contractual relationship with the plaintiff. We call this a lack of standing. In other words, the creditor or debt collector has no contractual relationship to you  This defense is used when you don't know who the plaintiff is and how the plaintiff got to own your debt. The plaintiff may have bought your debt from the person or company that you owed money to. Because you never signed a contract with the plaintiff who bought your debt, you can ask if the plaintiff can sue you (also known as standing to sue you). The plaintiff must prove to the court that it owns your debt. To do this, the plaintiff must have a contract of sale (assignment) that says your debt has been sold. You were only an authorized user.  This applies when the credit card associated with the debt is in another person’s name and that person gave you permission to use their credit card. If you were only an authorized user but never agreed to be responsible for paying the card then you cannot be held responsible for the credit card debt. You are a victim of identity theft or mistaken identity. Identity theft is when somebody steals your name and personal information and opens up credit accounts in your name pretending to be you. You are not responsible for debts that a thief made in your name. Mistaken identity is when you are sued for somebody else’s debts because you have similar names or identifying information. This defense is used when your identity was stolen, or if this is someone’s else’s debt. Full or Partial Payment of the Debt . This defense is used when you have already paid all or part of the money that the plaintiff is suing you for. If the debt is paid off, you should not have to pay it again. Whether this is a full or partial defense to the lawsuit depends on how much of the debt you have paid. Special New York City Defenses Only If the NYC Department of Consumer and Worker Protection shows no record of plaintiff having a license to collect debts in New York City, will prevent company which buys debt from another company or an original creditor buys debts, the company must be licensed by the NYC Department of Consumer and Worker Protection. If the plaintiff is not licensed, that is a defense to this case. So, we will determine if the debt collector is license and tie that as a defense f it s not.  Most debt buyers, known in the legal world as "assignees", must be licensed by the NYC Department of Consumer and Worker Protection and must list the license number on the complaint. This defense can be used if the plaintiff did not list a license number. The court may dismiss the case or may let the plaintiff change (amend) the complaint to list the license number.

Client opening letters from credit card defense lawyers.

Receiving letters about a lawsuit against you ?

By Jerry Lee • November 22, 2024

If you've received a letter from The Credit Card Defense Center or another attorney, it means a creditor has filed a lawsuit against you in New York State Court. Your case is now part of the public record, and attorneys can offer their services even if you haven’t been formally served. Ignoring the lawsuit or failing to respond could lead to a default judgment, wage garnishment, property liens, and frozen bank accounts. It's crucial to take immediate action upon receiving such a letter to protect your rights and prevent these consequences. Contact The Credit Card Defense Center today for a free consultation to discuss your options, understand the legal process, and learn how we can help you defend against the lawsuit and avoid financial harm.

I'm suffering a financial & medical "hardship". Will this help if I'm sued ?

November 20, 2024

When you are facing a debt collection lawsuit by a bank, credit union, loan company or other creditor, the court's only focus is the evidence presented against you to determine whether the debt is valid and whether you owe the debt. Unfortunately, many clients mistakenly believe that explaining their financial difficulties, their other debt obligations or their lack of funds to the creditor's attorney, and, in essence, asking for mercy, will prevent the debt collection attorneys from continuing the lawsuit. However, financial hardship and other bills, or even a medical condition you are suffering, are not legal defenses to a debt collection lawsuit. So, simply calling the debt collection attorneys who are suing you is not a sufficient response to a debt collection lawsuit And your "hardship" circumstances will certainly not save you from a judgment. You can't rely on hardship or the mercy of the debt collection attorneys to avoid legal action because this just won't work to dissuade debt collectors or their collection attorneys. After all, their job is to get your money one way or the other, without regard to your personal circumstances. However, our experienced Credit Card Defense Attorneys can and will use your hardship circumstances as part of our negotiations on your behalf with creditors which will in fact help reduce your debt and help us make more suitable arrangements in the lawsuit we are handling for you. So, yes, explain your hardship circumstances toy us and we will use those circumstances to you benefit and as leverage in our negotiations with the debt collection attorneys who are suing you.

Email Us

No matter how large, famous or seemingly powerful the company is which is after you for money, the consumer protection and debt defense attorneys at The Credit Card Defense Center of NY are ready to come to your defense today.

_________________________

Our experienced debt defense attorneys offer an aggressive debt collection defense with more than fifty years of combined experience and a proven track record of success when it comes to handling consumer debt lawsuits.

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Contact us today to consult with an attorney about debt defense anywhere in New York State. Here are some of the types of lawsuits we've handled:

ALL RESULTS ARE

A MATTER OF THE PUBLIC RECORD

Supreme Court – Westchester County: SOFI FUNDNG: As a home owner and single parent, our client ran into severe financial difficulties when she lost her job just as Covid-19 hit. She was forced to work in “gig” position and had to suffer with a substantial reduction in pay. Under these circumstances, her loan from SOFI was just too much for her and she stopped paying so she could put fund on the table and pay other essential like utilities and gas to get to her new “gig” work. After an 8-month struggle with the attorneys for Sofia Lending, including two court appearances, her $42,914 case SOFI case was settled for $29,158 with payments of $545 per month. Case ID: Shern

Supreme Court – Jefferson County: American Express sued our army spouse client for $12,000. After 8 months the parties settle for $6,200 payable over a 60-day period and the case will be over. Client was able to save more approximately 50% and a bunch of aggravation in the process. Case ID: Stanley

Supreme Court – Westchester County: AMERICAN EXPRESS wanted $29,792.89 from our small business client and bright a lawsuit to collect it. After a litigation struggle that lasted approximately 7 months, client settles for a down payment of $12,000 and $3,000 to be paid over a period of 9 months. Client is saving nearly $15,000 and has never had to step a day in Court. Case ID: Tony

Supreme Court – Suffolk County: AMERICAN EXPRESS sued for $25,000. Our client is retired and receives only pension income. Payment plan worked out allowing client to pay $125 per month. After a litigation struggle that lasted approximately 7 months, client settles for a down payment of $12,000 and $3,000 to be paid over a period of 9 months. Client is saving nearly $15,000 and has never had to step a day in Court. Case ID: Rita

Supreme Court - Nassau: AMERICAN EXPRESS CENTURION BANK sued our police sergeant client for $41,803.04 in June 2016. We fought Amex in Court for 19 months. Our client paid nothing to Amex during that time. Client was able to save $23, 000 to pay off Amex during that time. We ultimately settled in March, 2018 for $22,000, shaving $19,803 off his Amex bill. Client paid 4.7 % in legal fees and, therefore, saved a net $17,803. Result: Client saves a net $17,803 even after legal fees Case ID: Brian

Supreme Court – Monroe County OLIPHANT FUNDNG: Our client had multiple smaller debts and needed help with Oliphant Funding, a third party debt buyer. I got him a one third discount within three months. Simple. Happy Client. Case ID: Highdu

Supreme Court - Manhattan: AMERICAN EXPRESS CENTURION BANK sued our upper west side designer & condo owner for $35,000.. We litigated against Amex in Court for 15 months. Client paid $00.00 to Amex during this time. We settled for $21,000. Client was able to save $14,000 to pay off Amex, saving, saving $11,000 off his Amex bill and avoiding alLien on his main asset, his Central Park West condo. Result: Client saves $11,803 Case ID: Adam

Supreme Court - Manhattan: AMERICAN EXPRESS BANK, FSB wanted $25,502.94,000 from our soon-to-be-divorced mom with minor children. After a year of litigation in Court, Amex demanded a one-time payment of $17,000 to settle the case. Clients owns property and has a good profession but no support from soon to be ex-husband. Amex settled for $15,000 payable over 15 months. Client was charged a fee of 5% of the outstanding amount and saved over $10,000 off her Amex bill. Result: Case ID: Eileen

Supreme Court - Manhattan: AMERICAN EXPRESS wanted $550,000 from our corporate client and, after a year of litigation in Court, got exactly nothing. Client offered $200,000 to settle. American Express foolishly refused and greedily insisted on a settlement payment of $400,000. They got exactly $00.00. Client was charged a fee of less than 2% of the outstanding amount and walked away paying American Express nothing. Client saves 100%. Case ID: HC1

Supreme Court – Westchester County: AMERICAN EXPRESS wanted $16,746.17 from our small business client (trucking) and started the lawsuit in July, 2016. Sixteen months later, during which time the client paid nothing to Amex and no additional legal fees, the client settled for $8,534.00 and made a one-time payment, ending the matter once and for all, saving 50% in the process. Client was charged a total fee of approximately 7% of the amount being used for in the lawsuit by Amex. Result: Client saves 50%. Case ID: Bill

Supreme Court - Suffolk County: Client came to us when original creditor AMERICAN EXPRESS sued for $10,218. Eleven months later, the case was settled for $6,134. Client saves approximately 40%. Result: Client saves 40%. Case ID: SuDr1

Supreme Court - Manhattan: AMERICAN EXPRESS sued our client, a small, hard working self-employed business man, for $44,120.83. Eight months later, the case was settled for $30,000 payable over 12 months. Client saves approximately 32%. Result: Client saves 32%. Case ID: LoDe1

Supreme Court – New York County (December, 2021): AMERICAN EXPRESS: After suffering through an expensive and emotionally difficult divorce and then losing his restaurant business during the pandemic, our client retained us to defend him when American Express sued him in January, 2021 for $27,136. Ten months later, and after several court appearances, we settled for a $11,000 one-time payment, saving our client over $16,000. Case ID: Shaun

Supreme Court – New York County (October, 2021): AMERICAN EXPRESS: Our client, a restaurant supply company located on the West Coast, was sued for $470,000 dollars on a defaulted working capital loan. After a legal fight lasting over 46 months and involving 5 separate court appearances and including dozens of legal documents filed, American Express will now collect nothing. Instead, my client has simply closed his business, moved on to open a new and separate business, while American Express gets nothing except the $27,000 American Express was able to get from my client’s credit card processor based upon a UCC lien filed when the American Express loan proceeds were provided. Other than this $27,000, my client will pay not a dime to American Express, which means that I prevented American Express from collecting over $400,000 in this case. Case ID: Toro

Supreme Court – Orange County (June, 2021): AMERICAN EXPRESS: Sued for $97,000 in August, and facing mounting debt from a variety of sources both business and personal, as well as declining printing business, my client was without money and understandably desperate. The lawsuit was started in August, 2019 against his business and my client personally. Over a 21-month struggle with Amex, I prevented them from getting any money from my client or entering a judgment against him. During this 21-month period of time, my client was able to rearrange his business affairs to be able to resolve his Amex problems. Then, finally, in this month of June, 2021, we were able to resolve this $97,000 claim by for $36,000, payable in two payments 30 days apart, thereby saving my client $60,000 dollars without a judgment ever being entered against my client. Case ID: Chuck

Supreme Court – Queens County (May, 2021): AMERICAN EXPRESS: My client lost his job due to Covid-19 and then lost his dad to Covid-19 overseas while he was here living in the United States. The lawsuit was for $33,000 and was started on September, 2019. I fought this lawsuit for more than for 20 months during which time my client paid nothing to Amex and was able to save some money to eventually resolve this matter with Amex. Unfortunately, during this time, my client had to return to his home country to handle a far more difficult matter – the affairs of his deceased dad and seeing to the well-being of his mom, without having to worrying about Amex. And when he returned this month, May, 2201, I was lucky enough to be able to finally arrange a resolution of this m case which called for my client to pay one lump sum of approximately $11,000, saving him (66%) two thirds of the money being claimed by American Express. (And the client paid a one-time retainer fee and was never charged another dime in legal fees, despite saving about $32,000 off of the original claim. Another happy and satisfied client who I was able to help out in a difficult time. And that’s the way I like it. Case ID: Ray.

Supreme Court – Queens County (April, 2021): VELOCITY INVESTMENTS: My client, a small business entrepreneur was sued by VELOCITY INVESMENTS, a third-party debt buyer more than one year before ea. got involved in the case. Unfortunately, he had suffered a default judgment entered against him when the process server failed to legally served him at his place of residence as required under New York State law and lied about it in Court. When the client came to me, he had a judgment on his record for over $40,000 which was ruining his credit and preventing him from gaining new customers, obtaining business loans or even finding a stable place to live. I challenged the way the process server delivered the summons. And after a three-month court figh, we won the case by getting the judgment vacated and the case completely dismissed, thereby saving the client the entre $40,000 + dollars and he wound up paying nothing to Velocity Investments. He is now able to get his credit cleared up and move on with his life. And his legal fees were less than 5% of the outstanding judgment which I got vacated. Case ID: Danny/Queens.

Supreme Court – Onondaga County (April, 2021): NATIONAL DIRECT STUDENT LOAN: As a young, new teacher with minor children, my client struggled with student loans as she was only able to obtained a substitute teaching job after finishing her degree. Her student loans were unaffordable and she had to choose food for her children and rent payments over paying her student loan. And, then, she was sued for her outstanding $13,463 student loan in May of 2018. I fought this case in Court for nearly three years, during which time my client paid nothing on her student loan and was able to get a permanent teaching job and get on her feet. I made numerous court appearances in the process and, finally, in April, 2021 was able to obtain a settlement of $5,000 to cover everything, thereby saving the client more than $8,000. Case ID: ALICIA & JILL.

Supreme Court – Erie County (MARCH, 2021): AMERICAN EXPRESS: My client, a homeowner with two minor children, lost his employment as a result of the Covid-19 pandemic. He’s been training for a new career in another field. No matter, Amex continued its lawsuit that it started in February, 2019 for $10,173. Now, in March, 2021, more than two years after this lawsuit was started, and during which time my client paid not a dime to Amex, I was able to resolve this case with a 50% payment to Amex, with a two-payment agreement totaling of $5,087, with no interest or costs, saving my client more than $4,000 in the process, even accounting for legal fees. Case ID: Stachura.

Supreme Court – Orange County (MARCH, 2021): CITIBANK, NA: My client went through a tough year, financially and otherwise, over the last year but has been saving and diligently reducing her bills. She retained me in July, 2019 to defend against Citibank when they sued her for $6,386. The case was controlled and defended for 20 months while she saved and paid off her other bills. Then, in March, 2021, I was able to resolve the matter for a single payment of $3,800, saving the client nearly $3,000 in the process. Case ID: J-Lo.

Supreme Court – Kings County (JANUARY, 2021): BANK OF AMERICA: My client is a single mom homeowner in Brooklyn who fell upon hard times as a result of unexpected family health emergencies. My client tried to work out a payment plan for the full amount due when she was first sued. But Bank of America would not work out anything and, instead, started a lawsuit in May of 2019 for approximately $35,000. I defended the case for 20 months and my client paid nothing to B of A during this time. After a 20-month struggle, the case was finally settled in this month of January, 2021 for $23,000 total and payments scheduled for this amount over 24 months with no interest or costs, thereby saving the client more than $12K. Case ID: JANICEQ.

Supreme Court – Erie County (DECEMBER, 2020): DISCOVER BANK: My client was a long time NYS highway worker who was forced to take a disability retirement when the pandemic hit and is now on retirement. But Discover Bank started the lawsuit in June of 2019 for approximately $18,000. I defended the case for 18 months while my client paid nothing to Discover during this time. Then, the pandemic hit and my client chose to retire. After an 18-month struggle, the case was settled in December, 2020 for $9,000 total, with $1,000 down payment and monthly payments of $250 a month until the $9,000 is paid, with no accumulating interest, thereby saving the client more than $9,000. Case ID: MRIZZ.

Supreme Court – Westchester County (November, 2020): AMERICAN EXPRESS was after my client for $41,786 and sued him in April, 2019. I defended the case against Amex for a year when the Covid-19 pandemic hit. My client, an independent entrepreneur working to start up a digital finance business in New York City, was hit hard, as many of us were, with the onset of the health crisis. In fact, he had to move out of New York to try and start another business out-of-state. Amex chased him down and demanded full payment, bringing on a motion in Court for a full judgment, plus 9% statutory interest. Nevertheless, after a 19-month struggle, during which my client paid nothing to Amex, I was finally able to settle the case for a one-time payment of $12,236, ending the case, extinguishing the debt and saving the client more than $30,000, even accounting for the legal fees. Case ID: Mblum.

Supreme Court – Kings County (November, 2020): AMERICAN EXPRESS sued my client in for $26,742 in August of 2016 and he has not paid a dime to Amex for more than 4 years and until this month on November when we finally settled the case, after a struggle which involved several court appearances and in court motion practice, I was finally able to settle the case for a lump sum one-time payment of $10,000, thereby saving the client more than $16,000 and years of interest and court costs. Case ID: DerekD.

Supreme Court – Nassau County (October, 2020): BANK OF AMERICA sued my Licensed Massage Therapist and we fought the bank for more than two years. Just as we were about to fight motions in Court to control the case longer or maybe get it dismissed, Covid-19 hit. And my client’s entire profession was of course completely locked down. Given the unexpected circumstances, we decided to settle the case and were nevertheless still able to get a 40 percent discount for the client in settling the case with a payment term of 24 months without interest. Case ID: SBoy

Supreme Court – New York County (Manhattan) (September, 2020): AMERICAN EXPRESS sued my small business client located in Chicago here in New York State Supreme Court for $120,000. The case started in November 2019 and my client was struggling in his trucking business already. Then Covid-19 hit and my client’s business naturally had more difficulties adjusting to the new reality amid the pandemic. Finally, in March, 2020, and after a Court fight, the case was the case was finally resolved after a Court fight for a payment of $55,000 in full satisfaction of the claimed debt. Case ID: WESTW.

Supreme Court – New York County (Manhattan) (March, 2020): COLONIAL FUNDING NETWORK, a merchant cash advance company, sued my small business used car financing company client located in Texas here in New York State Supreme Court for $64,000 after advancing him several loans which he had paid back. Texas has been hit with dozens of major floods throughout the years, which have caused hundreds of deaths and billions of dollars in damage. My client suffered through several of these natural disasters which devastated his business and reduced his income. While recovering, and despite the fact that he borrowed money before and paid it back, COLONIAL FUNDING sued him just as he was getting back on his feet and a four-year court battle began. In March, 2020, that struggle was finally resolved with a settlement during trial. My client is paying 50% of the claimed amount over a one year period without interest or court costs, paying less than 10 percent of the claimed amount of the four-year court battel while paying Colonial exactly zero over this period of time.Case ID: NAZT1

Supreme Court – Kings County (Brooklyn) : AMERICAN EXPRESS sued my small business client for $159,000 after cutting off his credit line unexpectedly and without notice, essentially putting his small importing company out of business. Despite having forced my client out of business, AMERICAN EXPRESS still demanded the $159,000 payment be made within three years. I fought AMERICAN EXPRESS in Court for 10 months on behalf of my client. Client paid nothing to AMERICAN EXPRESS during that time. We ultimately settled in February, 2019 for $50,000, payable with $25.000 down and $25,000 payable over 11 months, with no interest or costs. Client saves $100,000 and paid less than $5,000 in legal fees. Case ID: Mauy

Supreme Court – Suffolk County: DISCOVER BANK sued my single parent dad in February, 2019 for $16,000 and demanded full payment plus interest and court costs. Finally, after an eleven month fight and a court appearance, case finally settled for $11,400. And client saves approximately $5,000 and enjoyed an attorneys’ fee of less than 7 percent of the lawsuit amount. A win-win for the client! Case ID: Brian D.

Supreme Court – New York County (January, 2020): AMERICAN EXPRESS sued my client just as she was dealing with a foreclosure and three other creditor lawsuits by major banks. Formally a member of the hardworking middle class, my client and her family have been undergoing significant financial challenges over the oats few years. American Express sued in the middle of all of this for $53,571.93 in November, 2018. I defended the case for 13 months through discovery, a court motion and two court appearances. And I wasable to finally successfully settle this case in January, ‘20 for $26,785 in total, payable over 23 months without interest or court costs. And the legal fees were less than 5% of the amount claimed by Amex. A total win for the client! Case ID: Scarsdale, NY

Supreme Court – Livingston County (December, 2019): DISCOVER BANK went after my small business client with a vengeance for $9600 and insisted, for eight long months, that my client pay this full amount to Discover Bank. The lawsuit was started in March, 2019 and was fought over an eight-month period, until December, 2019, when DISCOVER finally agreed to accept $4800 to resolve this matter once and for all. Case ID: DLoy

Supreme Court – Nassau County (December, 2019):

CAPITAL ONE BANK sued my client for $32,000 in July, 2017 and I struggled with the bank for a 2 years and 4 months while my client paid $00 to the bank during this time. My client was able to save money during this “Quiet Period”, allowing us to forge a settlement with Cap One in December, 2018 for a $14,000 one-time payment, thereby saving my client $16,000. DISCOVER finally agreed to accept $4800 to resolve this matter once and for all. Case ID: StarCase

Supreme Court – Erie County (November, 2019): JEFFERSON CAPITAL sued my client, a post office employee, for an old student loan debt. The lawsuit was started in October, 2016 for $15,927, and sought interest for 3 years at 9% (about $4200) and court costs (about $400). We fought the case for three years, just settling this month of November, 2019 for $6,000 total payout payable at $150 a month with no interest, no court costs, and no penalty of any kind, thereby saving the client approximately $10,000 in principal, thousands of dollars in interest and a lot of aggravation. Client paid less than 5% of the total claim in legal fees. Case ID: Justpayne.

Supreme Court- Orange County (October, 2019): DISCOVER BANK sued my attorney-client for $16,538 in principal in November, 2018 and claimed interest from the year 2017 at 9%, making the entire claim, with interest and court costs approximately $21,000. My client, a very accomplished woman in her 80”s, who is a milt-property owner, suffered unexpected real estate costs and a temporary illness from which she has since recovered very nicely. Because of these circumstances, her finances suffered and she wound up defaulting on her credit card payment to Discover Bank. I was able to buy my client 9 months of time after I was retained and was able to successfully settle this case for $11,179 payable over a one year period of time without interest or additional costs of any kind. Client saves a little less than $10,00 and avoids a lien on her real property holdings. Case ID: MWlf.

Supreme Court – New York County (October, 2019): AMERICAN EXPRESS sued my attorney-client for $56,500 in November, 2018. My client, a copyright attorney who was suffering a temporary slowdown in business and had incurred unexpected costs and expenses and needed some breathing room to get his practice restarted. We were able to buy our client 8 months of time after we got involved in the case. after a tough court fight and negotiation, We were able to successfully settle this case for $26,000 in total in the second week of August, 2019. Client paid the $26,000 on this $56,000 claim and the case was dismissed and client saved about $30,000. Case ID: Thorn.

Supreme Court – Suffolk County (September, 2019): AMERICAN EXPRESS sued my single-parent client for $29,500, which is an amount that can be brought in a lower local court rather than the more expensive and complicated Supreme Court of the State of New York. We got the case dismissed out of Supreme Court and transferred to the lower court. Thereupon, Amex agreed to a settlement of $11,500 or less than 40% of the original amount Amex claimed. Client paid the $11,500, case was dismissed and client saved about $17,500. By the way, we controlled the case Amex brought in Court for more than one year before reaching this settlement, during which time the client paid not a single penny to American Express. Case ID: RonPic.

üSupreme Court – New York County (August., 2019): AMERICAN EXPRESS sued my corporate client based in Texas in New York State Supreme Court in Manhattan for $395,000. I fought off American Express for exactly one year, give or take a day or two. After hours of negotiation and courtroom litigation, resulting in a negotiated settlement for a one-time patent of $130,000 to be paid within 24 hours of the settlement. Result: Corporate client saves $265,000 off his Amex bill and case is closed. Client okays under $10,000 in legal fees for this feat. Case ID: ComMEch.

üCivil Court – New York County (August., 2019): CITIBANK, NA went after my 75-year retired business man client with a vengeance of approximately $5,0000 on his Citi Card. The well-known collection firm assigned to this case aggressively brought on a motion in Civil Court to attempt to obtain a judgement against my client. I fought the case in Court for exactly two years, during which time my client paid nothing ($00.))) to Citibank during this time. Eventually, I, able to settle the case for the sum of $2400, payable at the rate of $100 per month for 24 months, a more affordable sum for my client. Case ID: LOuD

üSupreme Court – Putnam County (May., 2019): AMERICAN EXPRESS sued my fireman client for $65,000 after he got behind over unexpected expenses while building his upstate dream home and his wife suffered some temporary medical complications requiring planned home care after an eventful pregnancy. I struggled with AMERICAN EXPRESS for months and obtained assistance from an understanding Court in allowing my client enough time to get his finances together and make a payment plain. We were finally able to work out a disposition satisfactory to both sides that required my client to pay $40,000 within 30 days, which payment ended the case once and for all. Result: Client saves $25,000 off his Amex bill. Happy family ending too. New home finished, baby & mom safe and well. Client back to work as a good public servant. Case ID: Fireshield üSupreme Court – Kings County (April., 2019): Defaulted Students Loans are very troublesome. My client was sued in April, 2018 by NATIONAL COLLEGIATE STUDENT LOAN for $12,500. At the time, he was in between jobs and has young children. And his mother, a home owner with her home now at risk, was the co-signor. So, of course she was sued as a co-defendant. I stepped in, controlled the case, and stopped the entry of a judgment. Then, I defended the case for 10 months on behalf of my client and his mom. Case settled quietly with no muss and fuss for $8500 with payments of $175 a month for 48 months with no interest. Client happily saves $4,000 and a bunch of aggravation.

üCivil Court – Brooklyn (March., 2019): MASON INTERACTIVE, an internet design firm, had a default judgment against my client for approximately $30,000 in Civil Court, Brooklyn. I brought an Order to Show Cause and got a judge’s signature stopping the City Marshal, releasing the client’s bank account and vacating the judgment. I negotiated a settlement of $12,000, payable over 3 payments, saving the client approximately $16,000 after fees & costs. Case ID: InjMoh

üSupreme Court – Broome County (March., 2019): AMERICAN EXPRESS sued client and his corporation starting in 2015 for unpaid credit card bills. I struggled against AMERICAN EXPRESS for 3.5 years because the client had many good faith disputes that had not been fully addressed by AMERICAN EXPRESS. After refusing to resolve my client’s legitimate disputes in their favor, AMERICAN EXPRESS sought $130,000 in a lawsuit right in Supreme Court Broom economy. After court appearances and many court payments I were finally able to resolve the $130,000 case for a settlement of $45,00 in a one-time payment. That settlement payment was made easily by bank wire and, consequently, the client saved approximately $90,000, even after accounting for legal fees Case ID: Silsbee

üSupreme Court – Suffolk County (Feb., 2019): AMERICAN EXPRESS wants $45,000 from my client and sues just as he is having unexpected financial difficulties in his start up business. AMERICAN EXPRESS is kept under control for nine months so client can gather his wits and his funds. Case settled in February, 2019 for $20,000, payable with $15,000 down and $5,000 payable one month later. Client saves approximately $22,000 including legal fees. Case ID: Bender

üSupreme Court - Manhattan (Nov., 2018): NATIONAL COLLEGIATE STUDENT LOAN sued my working mom client for $46,000 nearly 5 years after her last payment on a student loan. But the suit was filed too late & in violation of the statute of limitations. Before trial, I brought on a motion (a written request to the court) to dismiss the case. Upon review of my motion, National Collegiate agreed to dismiss the case. Out client walked away paying nothing to this creditor, saving more than $46,000. Case ID: Angelina

üSupreme Court - Manhattan (Nov., 2018): AMERICAN EXPRESS sued my cash poor asset rich client two years ago for $30,000. Client settles for a one-time payment of $15,000 this month, after finally receiving his inheritance, and the case is over. Client was able to save more than $13,000 including legal fees and a bunch of aggravation in the process. Case ID: Mark

üSupreme Court - Nassau (Nov., 2018): AMERICAN EXPRESS sued my police sergeant client for $41,803.04 in June 2016. I fought AMERICAN EXPRESS in Court for 19 months. My client paid nothing to AMERICAN EXPRESS during that time. Client was able to save $23, 000 to pay off AMERICAN EXPRESS during that time. I ultimately settled in March, 2018 for $22,000, shaving $19,803 off his AMERICAN EXPRESS bill. Client paid 4.7 % of the outstanding claim in legal fees and, therefore, saved a net $17,803, even accounting for legal fees. Result: Client saves a net $17,803 even after legal fees Case ID: Brian

üSupreme Court - Manhattan (Oct., 2018): AMERICAN EXPRESS sued my upper west side designer & condo owner for $35,000 in Nov., 2016. I litigated against AMERICAN EXPRESS for 15 months while client paid $00.00 to AMERICAN EXPRESS during this time. $21,000 Settlement. Client had saved $24,000 to pay off AMERICAN EXPRESS, shaving $11,000 off his AMERICAN EXPRESS bill and avoiding a lien on his Central Park West condo. Result: Client saves $11,000.

Case ID: Adam

üSupreme Court - Manhattan (Oct., 2018): AMERICAN EXPRESS wanted $25,502.94,000 from my soon-to-be-divorced mom with minor children. After a year of litigation, AMERICAN EXPRESS demanded a one-time payment of $17,000 to settle the case. Clients owns property, has a good profession but no support from soon to be ex-husband and in divorce court. AMERICAN EXPRESS settled for $15,000 payable over 15 months. Client was charged a fee of 5% of the outstanding amount and saved over $10,000 off her AMERICAN EXPRESS bill. Result: Case ID: Eileen

üSupreme Court - Manhattan (Oct., 2018): AMERICAN EXPRESS wanted $550,000 from my corporate client and, after a year of litigation in Court, got exactly nothing. Client offered $200,000. American Express foolishly refused, insisting on a settlement payment of $400,000. They got exactly $00.00. Attorney fee for Client was only 2% of the outstanding amount and walked away paying American Express nothing. Client saves 100%. and pays $00.00 to American Express. Case ID: HC1

üSupreme Court - Westchester (Dec., 2017): AMERICAN EXPRESS wanted $16,746.17 from my small business client (trucking) and started the lawsuit in July, 2016. Sixteen months later, case settled for a $8,534.00 one-time payment, ending the matter once and for all, saving 50% in the process. Client was charged a total fee of 7% of the amount being used for in the lawsuit. Client saves 50%. Case ID: Bill R.

üSupreme Court - Suffolk (Dec., 2017): AMERICAN EXPRESS sued for $10,218. Eleven months later, the case was settled for $6,134. Client saves approximately 40%. Result: Client saves 40%. Case ID: SuDr1

üSupreme Court - Manhattan (Dec., 2017): AMERICAN EXPRESS sued my client, a small, hard working self-employed business man, for $44,120.83. Eight months later, case settled for $30,000 payable over 12 months, saving client approximately 32%. Result: Client saves 32%. Case ID: LoDe1

üNYC Civil Court - Manhattan (Dec., 2017): Original creditor BANK OF AMERICA sues my client in two different cases at the same time for a total of for $30,600. Six months later, case settled for $18,000 payable over 24 months, saving the client 41%. Result: Client pays exactly $30,000 to AMERICAN EXPRESS. Case ID: LoDe2

Credit Card

Defense Center

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