Consumer Law – Nassau Suffolk Law Services









Do you know someone who may be eligible for a student loan discharge based on total and permanent disability (TPD)?

Many of our clients are eligible for student loan discharges based on total and permanent disability (TPD). Currently, the student loan debt being discharged is not […]

Major Credit Bureaus Institute New Policy to No Longer Include Medical Debt Under a Dollar Threshold on Credit Reports!

The three major credit bureaus (Equifax, Transunion, and Experian) will institute a new policy by March 30, 2023, to no longer include medical debt under a […]

Student Loan Relief Extended

Biden administration extends student loan relief until the U.S. Department of Education is permitted to implement the debt relief program or the litigation is resolved. Payments […]

New Tool Helps Family Members Avoid Improper Debt Collections by Nursing Facilities

New Tool Helps Family Members Avoid Improper Debt Collections by Nursing Facilities: The Consumer Financial Protection Bureau (CFPB) recently issued a resource for family members and caregivers […]

December 2022 Consumer Debt Update

Did you know more than 50,000 New Yorkers have been sued for medical debt over the past five years! Governor Hochul signed legislation on November 23, 2022 […]

New NY State Law to Help Victims of Identity Theft

New Law to Help Victims of Identity Theft! A new New York State law was signed into law in June 2022 by Governor Hochul to empower victims […]

What are my rights if my bank account is frozen?

How is a bank account frozen? One effective method of the collection after a creditor has obtained a judgment, is to serve a restraining notice on […]

¿Qué tipos de ingreso pueden sacarme de mi cuenta bancaria?

Cobranza de deudas e ingreso exento ¿Qué es un ingreso exento? Bajo las leyes federales y del estado de Nueva York, sus acreedores no pueden sacarle […]

What kinds of income can be taken out of my bank account?

What is exempt income? According to New York State and federal laws, certain income cannot be taken by creditors. This is called “exempt income.” You can […]

How much can a creditor garnish from my bank account?

As of January 2022, the minimum wage on Long Island is $15 per hour. With this increase, the amount of disposable income exempt from garnishment to […]

New Consumer Credit Debt Statute of Limitations

New Consumer Credit Debt Statute of Limitations! The New York State Consumer Credit Fairness Act mandates that starting April 7, 2022, creditors cannot sue or make […]

Medical Debt and your credit report

Beginning July 1, 2022, the credit bureaus will remove medical debt that has been paid off. Additionally, starting July 1, 2022, the grace period before reporting […]

New protections against surprise or out-of-network medical bills.

New protections against surprise or out-of-network medical bills. Since March 31, 2015, New York consumers with health coverage subject to New York law (e.g. HMO) were protected […]

Consumer Judgment Interest lowered to 2%

On December 31st, 2021, Governor Kathy Hochul signed the Consumer Judgement Interest Act (S.5724A/A.6474A) to protect New Yorkers from the excessive interest rate on money judgments […]

¿Cómo denuncio una estafa?

Cuando se trata del fraude al consumidor, el primer paso es reconocerlo. Si lo están estafando a usted o a alguien que conoce, es esencial decir […]

How do I report a scam?

When it comes to consumer fraud, awareness is the first stepIf you or someone you know is being taken advantage of, saying something early and reporting fraud […]

More Information on Student Loans

Total and Permanent Disability (TPD) Discharge If you are totally and permanently disabled, you may qualify for a total and permanent disability (TPD) discharge of your […]

What is Small Claims Court and how can I use it?

What is Small Claims Court? Small Claims Court handles cases for claims of $5,000.00 or less. The judge in Small Claims Court only has the power […]