“Consumers must consult with Consumer Rights Attorneys when they find themselves sued for alleged consumer debts,” her attorney, Joseph A. Mullaney, III, said. The defense of consumer debt collection lawsuits are very complicated, and defenses may exist that a consumer is unaware. “Consulting with a Consumer Rights Attorney,” continued Mullaney, “is the only means by which a consumer can be sure of his or her defenses.” In addition to the statute of limitations defense, there are many other defenses to consumer debts bought by junk debt buyers like Midland Funding.
UPDATE UPDATE UPDATEOn December 10, 2010, the federal court found Midland Funding, LLC liable to Plaintiff for violating her FDCPA rights. Judge Irenas, Senior United States Judge, wrote an opinion that observed:
[T]he FDCPA prohibits the “use [of] unfair or unconscionable means to collect or attempt to collect any debt.” 15 U.S.C. § 1692f. Several district courts have held that pursuing a lawsuit which the debt collector knows or should know is time-barred violates the FDCPA.The Court’s opinion held that “it is clear that Pennsylvania has the most significant relationship to the claim, and that New Jersey’s relationship is merely attenuated.” Therefore, “this Court holds that the four-year Pennsylvania statute of limitations applies to the underlying suit… [so that Midland Funding's] suit was time-barred.”
According to the consumer’s attorney, Joseph A. Mullaney, III, “The Court will schedule a trial in which to determine Plaintiff’s damages arising from the liability the Court already determined.”
If you are a New Jersey or Pennsylvania resident in need of the professional assistance of a Consumer Rights Attorney, visit www.ConsumerLitigators.com for a case evaluation by one of our experienced Consumer Rights Attorneys.
Nothing stated herein may be construed nor is it intended to be legal advice. For legal advice, consult an attorney.