Our client was sued by the Law Offices of Kirschenbaum, Phillips, &
Levy, PC for a $6,977 Discover defaulted credit card account in Nassau
County. Our client had been out of work for approximately five years as
of 2010. As a union laborer, he was not permanently employed and the temporary
work that was available to him could not cover all of his living expenses.
Additionally, his occasional employment was the sole source of income
for his household, further straining his financial stability and resulting
in his defaulted Discover account.
As one of the most recognized credit brands in the United States, Discover
is a direct banking and payment services company. The company operates
the Discover card and offers home loans, private student loans, personal
loans, online savings accounts, and certificates of deposit and money
market accounts through its direct banking business. Discover aggressively
pursues unpaid bills and will often send the balances to collection agencies.
However, Discover does offer some hardship services and will negotiate
settlements under certain circumstances. Kirschenbaum, Phillips, &
Levy, PC is a debt collection and creditors’ rights law firm operating
in Maryland, New York and Ohio. Their clients include consumer and commercial
credit grantors, insurance companies, local businesses, medical providers,
landlords, and other businesses or non-profit companies.
At the point our firm was retained, we quickly submitted an answer and
were able to protect the client against a default judgment and eventually
settle our client’s debt saving over 60% off of the full amount
paid over a 12 month no interest period.