Sued by Meyer Njus Tanick in Michigan? We can help.

Sued by Meyer Njus Tanick in Michigan? We can help.

Meyer Njus Tanickis a law firm that represents creditors and specializes in debt collection cases.  In some instances, individuals have reported that Meyer Njus Tanickhas, on behalf of its clients, taken large sums of money from bank accounts for judgments on debts.  It may seem unfair but it may still be legal.  Debt collectors are notorious for using abusive and fraudulent means to collect money.  It is not uncommon for them to add on interest or fees to increase the balance you supposedly owe.  If they do this, they are in violation of the Federal Fair Debt Collection Practices Act.  Some individuals report that they never received notice of a default judgment entered against them.  These situations can be confusing and frustrating but the attorneys at Garmo & Kiste, PLC are here to help.  If you are having trouble with a debt collector or have been sued by a law firm such as Meyer Njus Tanick, call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.  We are an aggressive law firm that will fight for your rights.

Another thing to keep in mind is that all debt collection communications are not necessarily legitimate. Debt Collection Scams are increasingly common. These are different from the legitimate debt collection actions taken by actual creditors.  Consumers have reported getting frightening and threatening phone calls demanding payment of outstanding payday or internet check cashing loans.  The caller may claim to be a representative of a law firm or even the government.  These callers probably won’t abide by the rules of the FDCPA so if you are being subjected to abusive debt collection behavior such as calling before 8 am or after 9 pm, this is a red flag and you should seek help. The scariest aspect of being contacted by fake debt collectors is that they may have a lot of accurate personal information about you including your birthday or even your Social Security number.  Be sure not to give any additional information about yourself and seek help.

Even dealing with legitimate debt collectors can be a harrowing experience.  If you are in this position the attorneys at Garmo & Kiste, PLC are here to fight for you.   If you have outstanding debt, have been harassed by a debt collection agency or contacted by a law firm such as Meyer Njus Tanick, please contact us at (248) 398-7100 or send us a private message.

If Shermeta Law Group is taking legal action against you to collect the debt, you will need an attorney that can navigate the unique legal landscape of debt collection.  The legal process can be confusing and frustrating even when debt collectors conduct themselves legitimately.  The attorneys at Garmo & Kiste, PLC can do just that.  We regularly handle debt collections cases concerning Shermeta Law Group, and other student loan debt collectors and have worked for debt collectors in the past.  This gives us a unique advantage because we understand both sides of litigation.

For more information about Shermeta Law Group and Debt Collection Defense or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

Are you being sued by National Collegiate Trust or Shermeta law group for past due student loans or other privatized loans? If so, you are not alone. Michigan National Collegiate Student Loan Trust lawsuits have become increasingly common as National Collegiate Trust has been aggressively pursuing delinquent student loans from many former students in the State of Michigan. Additionally, Shermeta Law Group has been pursuing numerous other persons who took out personal loans. 

National Collegiate Student Loan Trust is a Delaware Trust that holds private student loans guaranteed by TERI not the federal government. National Collegiate Trust purchases these private loans from the original lenders. National Collegiate Student Loan Trust Is not the originator of the loan but rather they have purchased the loan from your lender.

The originators are well known banks, among others:

These loans were structured with the assistance of the First Marblehead Corporation. The First Marblehead Corporation is an education loan finance company that owns TERI. The Education Resources Institute, Inc. (TERI), is a nonprofit organization that claims to be the largest private student loan guarantor in the US.

Shermeta Law Group may send numerous documents to your address or you may receive notice of a judgment or garnishment after it has been ordered if you changed addresses. Call our experienced attorneys at (248) 398-7100 for a free consultation or send us a private message as soon as possible to contact Shermeta on your behalf.

They expect that you will not do anything if you are sued by them. If you do not act on this lawsuit, a default judgment will likely be issued against you and you will most likely owe the full amount. National Collegiate Trust will try to collect the judgment against you through garnishing your bank accounts, wages, tax refunds, even through property liens and/or seizures.

To avoid Judgments, garnishments, seizures, and other collection activities, contact the attorneys at Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or send us a private message so that we may take action as soon as possible.

If you have questions about Shermeta Law Group lawsuits, or you are being contacted in regards to paying a student loan by National Collegiate Student Loan Trust or Shermeta law group of Rochester / Troy Michigan please contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

Portfolio Recovery Associates Lawsuits:

Have you been sued by Portfolio Recovery Associates in Michigan ?  Portfolio Recovery Associates LLC is a buyer of charged off debt. Portfolio Recovery Associates LLC may be showing up on your credit report or they may have served you with a lawsuit, they files thousands of collection lawsuits each year against consumers.

Portfolio Recovery Associates LLC will typically hire a local collection attorney to file a lawsuit against you but we can help defend you. We have handled many cases in cities such as Troy, Sterling Heights, Royal Oak and Shelby Township. 

If you have been contacted by Portfolio Recovery Associates LLC or have outstanding debt, contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

For more subject specific information, please click on the following Article links:

Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

 

U.S. Supreme Court rules in favor of debt collectors.

On May 15, 2017, the Supreme Court of the United States issued their decision in Midland Funding, LLC v. Johnson.

Background:

Respondent Johnson filed for Chapter 13 bankruptcy in 2014.  Petitioner Midland Funding filed a “proof of claim” asserting that Johnson owed Midland Funding $1,879.71 in credit card debt from May 2003.  Johnson objected the claim because it violated the relevant statute of limitations under Alabama law.  The bankruptcy court disallowed the claim.

Then, Johnson sued Midland Funding.  She claimed that by filing the obviously time-barred “proof of claim” in her bankruptcy case, Midland Funding claim was “false,” “deceptive,” “misleading,” “unconscionable,” and “unfair” within the meaning of the Fair Debt Collection Practices Act, 15 U. S. C. §§1692e, 1692f.

Decision:

The District Court held that the Fair Debt Collection Practices Act did not apply and dismissed the case. On appeal, the Eleventh Circuit reversed the District Courts decision.  The U.S. Supreme Court granted certiorari.  After review, the Supreme Court reversed the Eleventh Circuit decision.  The Supreme court, in a 5-3 decision, held that (in a Chapter 13 proceeding) “the filing of a proof of claim that is obviously time barred is not a false, deceptive, misleading, unfair, or unconscionable debt collection practice within the meaning of the Fair Debt Collection Practices Act.”

Alabama law provides that a creditor has the right to payment of a debt even after the limitations period has expired.  The Supreme Court states that “a ‘claim’ is a ‘right to payment’” and the “passage of time extinguishes remedy but the right remains.”

What that means for you:

The Supreme Court decision in Midland Funding, LLC v. Johnson allows debt creditors to file their “proof of claims” in a Chapter 13 bankruptcy proceeding irrelevant of a States statute of limitations.  Even if a debt collector files a “proof of claim” in your Chapter 13 bankruptcy case, it doesn’t mean that their claim is enforceable.  Debt collectors have secured the right to file their claims, but this decision doesn’t secure their right to collect on those claims.

Midland Funding Michigan Attorney:

If you have outstanding debt, have been harassed by a debt collection agency, or contacted by a law firm or third party debt buyer like Midland Funding, LLC, Call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

More subject specific information, please click on the following Article links:

Do you need an attorney to help with a Michigan National Collegiate Student Loan Trust lawsuits? We can Help.

Are you being sued by National Collegiate Trust or Shermeta law group of Rochester / Troy Michigan for past due student loans? If so, you are not alone. Michigan National Collegiate Student Loan Trust lawsuits have become increasingly common as National Collegiate Trust has been aggressively pursuing delinquent student loans from many former students in the State of Michigan.

National Collegiate Student Loan Trust is a Delaware Trust that holds private student loans guaranteed by TERI not the federal government. National Collegiate Trust purchases these private loans from the original lenders. National Collegiate Student Loan Trust Is not the originator of the loan but rather they have purchased the loan from your lender. The originators are well known banks, among others:

These loans were structured with the assistance of the First Marblehead Corporation. The First Marblehead Corporation is an education loan finance company that  owns TERI. The Education Resources Institute, Inc. (TERI), is a nonprofit organization that claims to be the largest private student loan guarantor in the US.

They expect that you will not do anything if you are sued by them. If you do not act on this lawsuit, a default judgment will likely be issued against you and you will most likely owe the full amount. National Collegiate Trust will try to collect the judgment against you through garnishing your bank accounts, wages, tax refunds, even through property liens and/or seizures.

To avoid Judgments, garnishments, seizures, and other collection activities, contact the attorneys at Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or send us a private message so that we may take action as soon as possible.

If you have questions about Michigan National Collegiate Student Loan Trust lawsuits, or you are being contacted in regards to paying a student loan by National Collegiate Student Loan Trust or Shermeta law group of Rochester / Troy Michigan please contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

If National Collegiate Trust or Shermeta law group of Rochester / Troy Michigan is taking legal action against you to collect the debt, you will need an attorney that can navigate the unique legal landscape of debt collection.  The legal process can be confusing and frustrating even when debt collectors conduct themselves legitimately.  The attorneys at Garmo & Kiste, PLC can do just that.  We regularly handle debt collections cases concerning National Collegiate Trust, Shermeta law group of Rochester / Troy Michigan, and other student loan debt collectors and have worked for debt collectors in the past.  This gives us a unique advantage because we understand both sides of litigation.

For more information about National Collegiate Trust or Shermeta law group of Rochester / Troy Michigan and Debt Collection Defense or to retain Garmo & Kiste, PLC, call us at (248) 398-7100 for a free consultation or contact us with a private message.

More subject specific information, please click on the following Article links:

Have you been hassled by a collections agent or sued by Mary Jane Elliott, P.C.?

Daily thousands of people in Michigan are sued in debt collections action. These occur when holders of debt hire aggressive debt collections attorneys or collections agencies. Being the target of one these organizations can be a painful experience, as collections teams generally use harassing tactics to track you down and collect. These can include aggressive phone calls, visits to your home, and hostile mail.

One of the firms known for engaging in debt collection actions is Mary Jane Elliott, P.C.. Professionals at Mary Jane Elliott P.C. represent creditors and are experts at finding you and turning your money over to creditors, be it through bank garnishments, wage garnishments, judgments, or repossession. These representatives are highly skilled and should not be taken lightly, as they utilize the latest call recording and telephonic systems, collection strategies and comprehensive negotiating methods to recover delinquent debt. They will aggressively come after you, and find any possible current or future income to satisfy their clients.

Some agencies don’t stop in pursuit of your debt, and even add interest and fees to make their collections more profitable. These firms rely on unknowing debtors who simply do not have the resources to tabulate interest. However, this is a violation of the Federal Fair Debt Collection Practices Act. Still, some firms have expert training of the FDCPA and know how to navigate around the law to continue using unfair practices. If you have been a victim of this, or any harassment from a collections agency, the attorneys at Garmo & Kiste PLC are here to fight for your rights.

Sued by Mary Jane Elliott, P.C. we can help:

While one may think that this could not happen to them, Mary Jane Elliott, and agencies like them are willing to use aggressive tactics for any type of debt. Most targets are sincerely trying to pay back any debts, but do not have the resources to do so. When a creditor uses agencies such as these they may eliminate the opportunity for the party in debt to work something out. This leaves the target of collections actions in a very vulnerable and unpredictable situation. Don’t find yourself in this position, if you are having trouble with a debt collector or have been sued by a law firm such as the Mary Jane Elliott, P.C.,call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

More subject specific information, please click on the following Article links:

With Debt Collection, Communication Can Cost You

Are you currently being pursued in a debt collection action? Communication between the debt collection agency and yourself can mean more than you think. Collections agency and debt collections law firms are regularly trying to navigate their way around the Federal Debt Collections Practices Act. The FDCPA is a federal law that prevents collections agencies from using nefarious methods to collect debts from their targets. While the law is a good step in consumer advocacy, organizations still find ways to use unfair practices in pursuing your current or future income. Part of the FDCPA prohibits a debt collector from using “any false, deceptive, or misleading representation or means in connection with the collection of any debt”. However, what constitutes a false, deceptive, or misleading representation is not always obvious. Further, when a communication is in connection with the collection of debt can vary as well.

If you are having trouble with a debt collector, or have been sued by a law firm such as Leikin Ingber and Winters PC, call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message

In the past Leikin Ingber and Winters PC has represented clients such as St. John’s Hospital, Flagstar Bank, Beaumont Hospitals, and other regional and national banks and hospitals,even insurance providers they are located in Southfield Michigan, and we have dealt with them them numerous times over the years.

If you have an outstanding debt, have been harassed by collections agencies, contacted by illegitimate debt collections scams, or pursued by a law firm such as Leikin Ingber and Winters PC, the attorneys at Garmo & Kiste, PLC are here to fight for you. Please contact Garmo & Kiste, PLC at (248) 398-7100 or send us a private message.

Sued by Stillman Law Office in Michigan? We can help

If you owe a creditor money, they have various ways they can go about collecting a debt, some more friendly to the debtor than others. But the most direct avenue a creditor can use to collect debt is to hire a aggressive law firm or debt collection agency. The Stillman Law Office is just that, and once hired, they will use all of their resources to collect what they can from you. Law offices and debt collections agencies regularly add interest or fees on to your debt to make their collections more profitable. These fees often go unnoticed by their targets, who typically just have a sincere interest in settling their debts, and don’t have the resources to accurately tabulate interest. If the Stillman Law Office, or any debt collector has used these practices against you, then they could be in violation of the Federal Fair Debt Collection Practices Act, and we can help. If you are having trouble with a debt collector or have been sued by a law firm such as the Stillman Law Office, call Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or contact us with a private message.

The Stillman Law Office, and many debt collection agencies use of state of the art ‘collection partner’ software system, which is tailored specifically to their needs of tracking accounts and handling all phases of the collection. This is a particularly scary aspect of being a target of a collection agency, as they are usually working with a business that has a wealth of personal information about you that the agency can use to find and collect from you. This information generally includes birthdays, social security numbers, addresses, and phone numbers. Further, the Stillman Law Office promises fast recovery to their clients in the form of law suits, judgments, attachments, repossessions, and both wage and bank garnishments.

The personal information that agencies have is important to keep in mind because not all debt collection communications are necessarily legitimate. Different from the legitimate debt collection actions taken by action creditors, debt collection scams are increasingly common. Consumers have reported frightening phone calls demanding payment of outstanding payday or even check cashing loans. Sometimes these callers claim to be a representative of a law firm, or even the government, and probably won’t abide by the rules of the FDCPA.

Dealing with debt collectors, legitimate or otherwise, can be a draining and painful experience. If you are in this position the attorneys at Garmo & Kiste, PLC are here to fight for you.

If you have outstanding debt, have been harassed by a debt collection agency or contacted by a law firm such the Stillman Law Office, please contact us at (248) 398-7100 or send us a private message.

More subject specific information, please click on the following Article links:

Detroit | Troy | Royal Oak | Warren | Sterling Heights | West Bloomfield | Novi | Rochester Hills | Farmington Hills | Southfield | Oak Park | Birmingham | Clinton Township | Livonia | Allen Park | Redford | Wayne | Dearborn | Berkley | Shelby | Romeo | Lapeer | Clawson | Madison Heights | Hazel Park | Bingham Farms | Harper Woods | Grosse Pointe | St. Clair Shores | Livonia | Plymouth | Northville | Canton | Pleasant Ridge | Clarkston | Waterford | Grosse Pointe Farms | Center Line | Eastpointe | Roseville | Fraser | Grosse Pointe Woods | Harrison Township, Mount Clemens | Armada | Armada Township | Bruce Township | Memphis | Ray Township | Richmond | Richmond Township | Romeo | Washington Township | New Baltimore | Macomb Township | Shelby Township | Westland | Inkster | Utica | Chesterfield Township | Lenox Township | New Haven | Taylor | Southgate | Hamtramck | Romulus | Woodhaven | Wyandotte | Ecorse | Lincoln Park | Wayne County | Lapeer County | Macomb County | Oakland County | Tri-County Metro Detroit area

Sued by Ally Financial, Inc.? Do you owe money for unpaid car, credit card, or various loans? Have you fallen behind on your payments? Many individuals find themselves in a difficult situation, unable to pay off their loans, due to unforeseen circumstances such as the loss of a job. In these instances, consumers should be aware of all options available in order to protect themselves in the event that the creditor takes legal action against them.

If you have been sued by a financial institution such as Ally Financial, Inc. or have fallen behind on loan payments there are a few things you should know. Ally Financial, Inc., like many companies, is multi-faceted and includes the subsidiary of Ally Bank. This company issues a number of loans and may take action to collect them on its own behalf. In some instances the companies are willing to settle. An experienced debt defense attorney can help you achieve the best possible outcome. Further, some companies may exercise abusive debt collection behavior so it is important to be informed of what is not permitted behavior.

Alternatively, if you have not been sued by your creditor, you should know that you do not necessarily have to wait until the company makes the first move. In fact, it may be more advantageous to consult a debt defense attorney before that point in order to discuss your options.

The collections process can be challenging to undergo. If a creditor such as Ally Financial, Inc. has sued you or if you’ve fallen behind on your payments and would like a free consultation, please contact the attorneys at Garmo & Kiste, PLC at (248) 398-7100 or contact us with a private message.

For more subject specific information, please click on the following Article links:

The Right to Be Forgotten and Search Engines:

Google, the world’s most popular search engine, capitalizes on human curiosity by connecting users to seemingly infinite amounts of information. Though this may be incredibly helpful for users, it may also be detrimental to individuals about whom information is posted. The Court of Justice of the European Union sought to prevent detriment to these individuals in its May 13, 2014 decision to uphold Directive 95/46/EC, a European law protecting data on the basis of privacy, in Google Spain SL, Google Inc. v AEPD. This case concerned Google-generated links to a newspaper article about the repossession of a Spanish man’s home. The ruling stated that Google must remove links to data that is “inadequate, irrelevant or no longer relevant, or excessive in relation to the purposes for which they were processed and in the light of the time that has elapsed” from the search results it posts after a query. In essence, this prohibits Google from posting links to information that is dated or irrelevant.

This ruling pits the right to privacy against freedom of information and functionally limits users’ ability to access certain types of information. This ruling has been heralded by individuals as a landmark for the right to privacy, colloquially referred to as the “right to be forgotten”. Conversely, many consider this a form of censorship.

Google has expressed concern about complying with this ruling and about the limiting effect on the dissemination of information.

In an effort to comply, Google posted a web form that allows European citizens to request the removal of a link. Thousands of Europeans have filed requests for links to be taken down.

Whether you agree with this holding on the basis of privacy or oppose it on the basis of freedom of information, the holding is not controlling in the United States. Though it is not binding, it may be a sign of issues to come in U.S. courts regarding the right to privacy in this heavily internet-reliant nation.  Contact Garmo & Kiste, PLC at (248) 398-7100 for a free consultation or send us a private message.