Blog Posts in 2017

  • Harassed by an abusive debt collector? Get up to $1000!

    || 13-Oct-2017

    Having a debt in collections can be very stressful. But having debt collectors constantly harassing you and using unfair collection tactics can make the situation feel impossible. It’s a debt collector’s job to follow up on debts that have been passed along to them. While debt collectors are allowed to contact you to try and pressure you into paying your bill, they aren’t allowed ...
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  • Do Credit Bureaus Report Judgments & Tax Liens?

    || 9-Oct-2017

    When it comes to obtaining personal loans, your FICO credit score is perhaps the single most important determining factor. Credit scores are calculated based on information that appears on your credit report. Due to recent changes, millions of consumers stand to see an improvement in their credit rating.(1) The three leading consumer credit bureaus, Equifax, Experian, and TransUnion, have all made ...
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  • Steps To Protect Yourself from Equifax Data Breach 2017

    || 4-Oct-2017

    Given the recent headlines regarding the credit reporting agency Equifax, its is understandable to be concerned about the status of your credit and the security of your personal information. While it is easy to ascertain that the Equifax data breach is bad for the American public, understanding the personal implications of such a breach may prove to be more difficult. In the following article we ...
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  • National Collegiate and Transworld Fined For Student Loan Violations

    || 3-Oct-2017

    Due to the complexity of the student loan industry and the various types of educational financing available, student borrowers may be confused as to which lender they owe, and how much is due. This confusion can be further exacerbated when a lender or collector is unclear about the details of the underlying debt. The Fair Debt Collection Practices Act is a federal statute that was specifically ...
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  • Unsecured vs. Secured Debt

    || 21-Sep-2017

    Debt can come in many forms. Two of these forms are secured and unsecured debt. Most debts fall into one of these two categories, but the way these debts are handled can be very different. The differences between these debts can help both consumers and businesses decide how to borrow money, prioritize debts for payoff, and work to protect your assets. Secured Debts Secured debts are one major form ...
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  • New Jersey Lawyer Negotiates Student Loan Debt Reductions

    || 4-Sep-2017

    Not sure where to turn for help with student loans? With ever-increasing interest rates, large fees, and complicated payment plans, it's easy to get overwhelmed. When facing default, student borrowers may be subject to a barrage of calls, collection letters, lawsuits, or even wage garnishment. Some people feel paralyzed by the process. Don't sit by and watch catastrophe unfold. There is no ...
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  • Do I Qualify for Student Loan Forgiveness?

    || 10-Aug-2017

    If you are struggling to pay off student debt, you’ve likely asked yourself whether or not you qualify for student loan forgiveness. There are various programs, most of which are federally funded, that are designed to help qualifying students. Depending on how much you owe, what degree you obtained, and what line of work you currently practice, you may succeed in having your student debt ...
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  • How to Avoid Business Insolvency

    || 1-Aug-2017

    When business slows down or unexpected expenses come up, it can be difficult to stay on top of your minimum payments on loans and business cash advances. Unfortunately, the repercussions for missing payments can lead you to default on your financial obligations, potentially prompting your lender to take legal action against you. At the Law Office of Simon Goldenberg PLLC, we are dedicated to ...
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  • Why Should I Hire a Lawyer to Settle Private Student Loan Debts?

    || 27-Jul-2017

    As of 2017, more than 44 million Americans have student loan debts. Even after graduating college and starting a career, debt burdens can become overwhelming and hinder your ability to get on with your life. If you are struggling under the pressure of large student loans and have defaulted on your payments, you can seek to negotiate a settlement with lenders. At the Law Office of Simon Goldenberg ...
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  • Can My Student Loan Debts Be Discharged in Bankruptcy?

    || 10-Jul-2017

    Going through bankruptcy is stressful enough without the financial burden of student loans. Can they be discharged during bankruptcy? Generally, the answer is no. There is one exception to this rule, however, that may allow you to discharge all or part of your loan amount – the undue hardship rule. If you can prove that paying your student loans would cause undue and severe financial ...
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  • Weltman Weinberg & Reis Law Firm Sued For Debt Collection Violations

    || 30-Jun-2017

    On April 17, 2017 the Consumer Financial Protection Bureau ("CFPB") filed a lawsuit in a federal district court against Weltman, Weinberg, & Reis Co., LPA, a debt collection law firm which has operates in several states, including New York, New Jersey, and Florida. The complaint alleges that the collection firm used illegal tactics while collecting debts from consumers. Specifically, ...
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  • Attorney Simon Goldenberg Teaches Secrets To Credit Repair

    || 6-Jun-2017

    New York, New York: On May 23 rd, 2017, Simon Goldenberg, Esq. presented Credit Repair: A Primer for Lawyers, a Continuing Legal Education program with Lawline. Broadcast live online and recorded at Lawline’s Studio in lower Manhattan, the program offered viewers strategies on correcting credit reporting issues. Credit Repair: A Primer for Lawyers is now available for on-demand viewing at ...
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  • Prohibited Debt Collection Practices

    || 31-May-2017

    Are you receiving phone calls, emails, or other communications from debt collectors? Often the persistence of debt collectors can be annoying and stressful, making your life miserable until you can finally make them stop. In fact, certain debt collection practices became so bad that the federal government banned them outright some time ago. However, this hasn’t entirely stopped less-credible ...
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  • Tips to Help You Get Out of Debt

    || 25-May-2017

    The one common mistake made by all people with past-due debts is that they spend a lot more than they actually have. Student loans, credit card bills, bank loans or loans from other creditors all add to your debt and, if you’re not careful, they’ll push you further and further into the mess until you’re too lost to find your way out. As harsh as it may sound, it’s true. In ...
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  • FDCPA Lawyers Serving New York City

    || 22-May-2017

    The Fair Debt Collection Practices Act (FDCPA) was approved in 1977 to protect consumers from abusive debt collection practices and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to verify the information’s accuracy. The act defines a debt collector as anyone who uses any tools of interstate commerce or the mails in any business to ...
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