The Langel Firm Consumer Protection Blog

Understanding Blanket Liens: A Debtor's Defense Guide July 22, 2025

What is a Blanket Security Agreement? A blanket security agreement is a contract between a borrower and a lender that grants the lender a security interest in multiple assets or all assets of the ...

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Standing, Acceleration, and Choice of Law: Essential Defenses in Student Loan Collection Litigation June 19, 2025

Standing Requirements in Student Loan Litigation The doctrine of standing serves as a jurisdictional prerequisite that every plaintiff must satisfy before proceeding with litigation. In the context of ...

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How to Challenge Process Servers at NYC Traverse Hearings: A Guide in 2025 June 8, 2025

When challenging "service" (delivery) of the summons and complaint, arm yourself with the knowledge you need to attack the case confidently. This comprehensive review examines recent court decisions ...

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Clerk or Judge: Who Grants Default Judgments in New York? March 18, 2025

What exactly is a “default” in law? A default is ‘the omission or failure to perform a legal duty.’ Black’s Law Dictionary (11th ed.). Failing to answer a complaint or failing to file any form of ...

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Levy vs. Seizure: How Creditors Enforce Judgments Against Your Property in New York January 22, 2025

What is a Levy? Under New York Civil Practice Law and Rules (CPLR) Article 52, the term levy describes two distinct enforcement methods: Levy by service of execution (CPLR § 5232 (a)) – The sheriff, ...

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The Heightened Challenges Debt Collectors Face in Litigation in 2025 January 2, 2025

Debt Collectors Confront Tougher Landscape in New York (2025) New York’s Consumer Credit Fairness Act (CCFA) took effect on April 7 2022, slashing the statute of limitations on consumer-credit suits ...

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