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A lawyer’s understanding of the laws that apply to loans is essential for effective collection efforts. In New Jersey, some loans fall under usury statutes, while others do not. "Usury" has come to take on a different meaning over time. Initially, it referred to interest and later came to mean...

 Collection agencies are limited in the scope of what they can do when collecting debt. The Fair Debt Collection Practices Act (FDCPA) makes it clear that collection agencies cannot send demand letters without an attorney reviewing them. The agency cannot inform a debtor about turning over the matter to the legal...

Laws exist to protect consumers against abusive debt collection practices, and businesses rely on the ethical standards and due diligence of the attorney they hire to collect debt. The Fair Debt Collections Practices Act (FDCPA) lays the ground rules for whether certain debt collection practices are legal or illegal and prohibits...

Tribute to Ralph Kiner for Mets 2014 season

The bank's timing for paying funds for a check or for returning a bounced check can sometimes be disputed. Banks must operate in a timely manner under the law, and failing to meet deadlines can cause considerable problems for consumers. The Uniform Commercial Code (UCC) designates the cutoff time for banks...

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