Our client was sued by Arrow Financial Services, LLC as an assignee of Washington Mutual Bank. Arrow Financial was represented by the law firm of Hayt, Hayt & Landau in Miami, FL, including their attorneys Robert J. Orivitz and Dana Kalman (Dana Stern). They sued our client for Breach of Contract and for Money Lent. Our client initially tried to represent himself, but later retained us to handle the case for them when the debt collector would not give up. After we were retained, we applied our legal knowledge and experience, and the case was dismissed.

The Court also imposed sanctions against both Arrow Financial Services and Hayt, Hayt and Landau, who then appealed those sanctions. After extensive briefing, the appellate court upheld the sanctions against the debt collectors.  We are very proud that we were able to win the case for our client and provide him and his family with the justice they deserved.

The U.S. Federal Trade Commission (FTC) has announced that it is investigating several debt collectors and debt buyers. The specific companies named in the FTC investigation are:

• Arrow Financial Services, LLC (sometimes represented locally in central Florida by Hayt, Hayt & Landau / Robert J. Orovitz and Dana Kalman)
• Asta Funding, Inc.
• B-Line, LLC
• eCast Settlement Corp.
• Encore Capital Group, Inc.
• NCO Portfolio Management, Inc (sometimes represented locally in central Florida by David E. Borack of Borack & Associates)
• Portfolio Recovery Associates, LLC (sometimes represented locally in central Florida by Robert J. Orovitz from Hayt, Hayt and Landau)
• Sherman Financial Group, LLC
• Unifund Corp. (sometimes represented locally in central Florida by Jorge Palma or Armando Vasquez or Joseph Haynes Davis)

Many people do not recognize that debts can be bought and sold, just like cars or houses or other property. Debt buyers are companies who buy the debt from an original bank or creditor who provided credit to a consumer. It is widely known that debt buyers pay pennies on the dollar to buy the debt. However, that does not stop them from trying to collect the full amount of the debt and even filing lawsuits for more than they paid for the debt. Because these lawsuits are brought on behalf of the debt buyer, some consumers may not even recognize why they are being sued.

The documents requested by the FTC will reveal how much the debt buyers paid for the debts they bought. They also seek to recover significant additional information on what is, in my opinion, the questionable practice of debt buying and the relationship between the banks and finance companies that sell the debt and the debt buyers who buy that debt, and who often resell it to other debt buyers.

I believe the documents requested by the FTC will also be helpful in defending individual lawsuits brought by these debt collectors in Seminole County, Volusia County, Orange County, Brevard County, Lake County, and elsewhere in central Florida. Although most of the lawsuits are brought in County Court as either Small claims cases or County Civil cases, some may also be brought in Circuit Court. As a debt collection defense lawyer, I have experience in successfully defending consumers sued by debt collectors. I would be honored if you would select the Rudnitsky Law Firm to represent you as your credit card debt defense lawyer to defend you in your credit card debt lawsuit, auto and motorcycle repossession deficiency debt lawsuits, and other consumer debt lawsuits. There is no charge for our initial consultation. Please feel free to call us on our toll-free number (1-888-834-5297), or contact us by email.

In a recent case, we were honored to represent a client who was sued by the law firm of Hayt, Hayt & Landau, PL (formerly Robert J. Orovitz, PA) in County Court here in Central Florida. In the case, collection lawyers Robert J. Orovitz, Dana M. Kalman and Christian D. Walled, from Hayt, Hayt & Landau in Miami, Florida represented Capital One Bank (USA) N.A. During our defense, we informed the Hayt, Hayt and Landau lawyers that our client did not owe the debt alleged in their complaint. However, they would not listen, and instead continued with their credit card lawsuit on behalf of Cap One. During the case, we obtained important documents and argued several motions at the Court: the end result was that our client won her case against Capital One and Hayt, Hayt and Landau!

We would be honored if you would put our experience with credit card debt lawsuit defenses to work for you. As a Florida credit card lawyer and debt defense lawyer, I am here to help consumers sued in credit card debt lawsuits in Seminole County, Volusia County, Orange County, Brevard County and Lake County. I never charge for an initial consultation. Please feel free to call us on our toll-free number (1-888-834-5297), or contact us by email to see how we can help you.