The Law Offices of Robert J. Nahoum, P.C.

The Law Offices of Robert J. Nahoum, P.C. NY, NJ CT. attorney practicing Student Loan Law, Debt Collection Defense, Debt Collector Harassment and general consumer protection. The Law Offices of Robert J.

Nahoum, P.C. provides skilled legal representation to clients throughout the Tri-State area and beyond practicing in the areas of Debt Defense, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA) and Telephone Consumer Protection Act (TCPA), Consumer Protection, Business & Corporate Law, as well as General Civil and Commercial Litigation. Our firm takes pride in providing

experienced representation and personalized legal services, customized to meet the specific needs of our clients. We provide free initial consultations to our clients. In order to arrange for a consultation, please contact Robert J. Nahoum at (845) 232-0202 or via email at [email protected] in order to discuss your options. Our Commitment
At The Law Offices of Robert J. Nahoum, we treat our clients with courtesy and integrity. We strive to provide realistic and honest legal advice that achieves results. Quality legal representation is essential for a successful business. Our commitment is to provide our clients with the best legal representation available at a reasonable and fair cost. We are proud of the high legal and ethical standards that have been established by our firm and the tradition of excellence which we work to maintain. Practice Areas:

Consumer Protection
Debt Collection Defense
Debt Collection Harassment
Fair Debt Collection Practices Act (FDCPA)
Fair Credit Reporting Act (FCRA)
Telephone Consumer Protection Act (TCPA)
Business & Corporate Law
General Civil and Commercial Litigation

Attorney Profile

ABOUT ROBERT J. NAHOUM
I was born and raised to a working-class family in the Bronx, New York. I attended public schools in the Bronx from pre-school all the way though high-school. As much as I learned in school, I learned on the streets, the stoops and the playground. I have taken that street-sense and applied it to everything I do in my life, especially my law practice. I’ve spent more than 12 years in the civil and city courts throughout New York State working on debtor cases. In my career I have seen it all; first working as a debt collector attorney for a gas and electric company; then as white-shoe associate for some of the nation’s premier “tall-building” law-firms working on million dollar debt cases. Now on my own, working day and night to defend consumers in debt cases and protect them from unscrupulous debt collectors. All the while, one thing has remained and guided my success – the education I got growing up in the Bronx. There are few tricks I haven’t seen and even fewer fights I won’t take head on; I tell it like it is and I expect the same from my adversaries. From Staten Island to Manhattan, Brooklyn to Queens, the Bronx to Westchester, Nassau Suffolk, Rockland and beyond – I don’t need a GPS to tell me how to get to the Courthouse, I already know the way because I’ve already been there. Trust is one of the most valuable concerns when hiring a lawyer. You have to trust that the lawyer is telling all that you have to hear, you need to trust that that lawyer is truly looking out for you and not his own wallet, you have to trust that your lawyer is handling your case competently and you have to trust that your lawyer is not taking you for a ride. I take that trust seriously because if I was hiring a lawyer I would expect nothing less. My clients trust me because I am like them. I know what it means to struggle and I know what it means to fight. I always tell my clients that my job is to make their problems easier not harder. That is my guiding principal in every case I handle. That is the reason I always call my clients back, that is the reason I spend as much time with my client as they need to solve their problems. Just as important, that is the reason I have structured my legal fees in a way that balances my need to earn a living and feed my kids with my clients’ needs to get their problems solved. My clients will never have sticker shock, they will always know how much their case might cost and will always know what to expect when the bills comes. If you still want to know more about me you read the less personal stuff below:

ROBERT NAHOUM has extensive experience in all areas of litigation before federal and state courts from preliminary injunctions to trials to appeals. He handles complex disputes in a wide variety of fields representing both individuals and businesses. CLIENT WORK
In his Individual Practice, Robert has acted as a zealous advocate protecting the consumer protection rights of his clients including those afforded under the Federal Fair Debt Collection Practices Act, the Fair Credit Reporting act and other laws. Robert is devoted to protecting the consumer protection rights of his clients including stopping illegal debt collection practices and keeping distressed home owners in their homes. In his Corporate Business Practice, Robert focuses on commercial litigation in the fields of equipment finance and leasing, secured transactions and business disputes. Additionally, Robert has extensive experience in corporate formation and transactions as well as bankruptcy and financial restructuring. PREVIOUS WORK
Prior to opening his own practice, Robert was an associate in the New York office of one of the nation’s premier “Big Law” firms practicing in the areas of commercial litigation and bankruptcy. BAR AND COURT ADMISSIONS

New York State Bar
New Jersey State Bar
Connecticut State bar
US District Court, Northern District of New York
US District Court, Southern District of New York
US District Court, Eastern District of New York
US District Court, Western District of New York
US District Court District of New Jersey

EDUCATION
Robert is a graduate of Albany Law School of Union University, one of the nation’s most historic and respected law schools. Robert received his undergraduate degree from the State University of New York at Plattsburgh where he studied English and Philosophy.

The “Federal Lemon Law” What Is the Magnuson-Moss Warranty Act and How Does It Impact Auto SalesBy: Robert J. Nahoum Man...
06/09/2026

The “Federal Lemon Law” What Is the Magnuson-Moss Warranty Act and How Does It Impact Auto Sales

By: Robert J. Nahoum Many consumers assume that when something goes wrong with a vehicle, the warranty will protect them. Unfortunately, auto dealers and manufacturers do not always honor those promises. That is where the Magnuson-Moss Warranty Act comes in, a powerful federal law designed to protect consumers from deceptive warranty practices. If you purchased a car and the dealer or manufacturer is refusing to honor the warranty, understanding this law can make a significant difference....

By: Robert J. Nahoum Many consumers assume that when something goes wrong with a vehicle, the warranty will protect them. Unfortunately, auto dealers and manufacturers do not always honor those pr…

Extended Warranty vs. Service Contract: What’s the Difference and Why It Matters Legally?By: Robert J. Nahoum When buyin...
06/08/2026

Extended Warranty vs. Service Contract: What’s the Difference and Why It Matters Legally?

By: Robert J. Nahoum When buying a car, especially a used one, dealers often push “extended warranties” as a way to protect you from costly repairs. But here’s the problem: many of these products are not actually warranties at all. They are service contracts, and that distinction can have serious legal consequences. If you’ve ever felt confused or misled during a car purchase, you’re not alone....

By: Robert J. Nahoum When buying a car, especially a used one, dealers often push “extended warranties” as a way to protect you from costly repairs. But here’s the problem: many of these products …

Must Auto Dealers Provide Finance Car Buyers with a Copy of the Sales Contract?By: Robert J. Nahoum When you finance a c...
06/03/2026

Must Auto Dealers Provide Finance Car Buyers with a Copy of the Sales Contract?

By: Robert J. Nahoum When you finance a car through a dealership, one of the most important documents in the transaction is the retail installment sales contract. The buyer should receive a copy of that contract, because it shows the real terms of the deal and helps the consumer verify what was actually agreed to. This matters not only as a basic fairness issue, but also because the financing paperwork is required by the ...

By: Robert J. Nahoum When you finance a car through a dealership, one of the most important documents in the transaction is the retail installment sales contract. The buyer should receive a copy o…

Can Retirement Funds Be Levied in New York to Satisfy a Debt Collection Judgment?By: Robert J. Nahoum Can retirement fun...
06/02/2026

Can Retirement Funds Be Levied in New York to Satisfy a Debt Collection Judgment?

By: Robert J. Nahoum Can retirement funds be levied in New York? In most cases, no. New York law generally protects retirement funds from judgment creditors, including many 401(k)s, IRAs, pensions, and similar retirement accounts. The key issue is usually not whether a creditor has a judgment, but whether the money is actually protected retirement money and whether it has been properly traced and exempted....

By: Robert J. Nahoum Can retirement funds be levied in New York? In most cases, no. New York law generally protects retirement funds from judgment creditors, including many 401(k)s, IRAs, pensions…

Do Collection Agencies Sue Consumers in New York? What You Need to KnowBy: Robert J. Nahoum If you have been contacted b...
06/01/2026

Do Collection Agencies Sue Consumers in New York? What You Need to Know

By: Robert J. Nahoum If you have been contacted by a collection agency, you may be wondering: do collection agencies actually sue consumers? The answer is often misunderstood. In most cases, collection agencies themselves do not sue. Instead, lawsuits are typically filed by the original creditor or by a company that claims it purchased the debt – junk debt buyers…...

By: Robert J. Nahoum If you have been contacted by a collection agency, you may be wondering: do collection agencies actually sue consumers? The answer is often misunderstood. In most cases, colle…

Under The EFTA, Do You Have to Notify Your Bank in Writing About Unauthorized Electronic TransfersBy: Robert J. Nahoum U...
05/29/2026

Under The EFTA, Do You Have to Notify Your Bank in Writing About Unauthorized Electronic Transfers

By: Robert J. Nahoum Unauthorized electronic withdrawals, whether from debit card fraud, hacked accounts, ACH scams or CashApp, Zelle or Venmo, are increasingly common. One of the most frequent questions consumers ask is simple: Do I have to notify my bank in writing to be protected? The short answer is no, but there are important details that can affect your rights....

By: Robert J. Nahoum Unauthorized electronic withdrawals, whether from debit card fraud, hacked accounts, ACH scams or CashApp, Zelle or Venmo, are increasingly common. One of the most frequent qu…

Voice Cloning Scams and Unauthorized Transfers: Your Rights Under the Electronic Funds Transfer ActBy: Robert J. Nahoum ...
05/28/2026

Voice Cloning Scams and Unauthorized Transfers: Your Rights Under the Electronic Funds Transfer Act

By: Robert J. Nahoum The Short Answer: Credit Cards Are Safer Voice cloning scams are no longer science fiction, they are happening right now, and they are costing consumers thousands of dollars in unauthorized electronic withdrawals. If you have received a frantic call from someone who sounded exactly like a loved one asking for money, you are not alone. These scams are becoming more sophisticated, and in many cases, they result in unauthorized electronic funds transfers (EFTs) from a consumer’s bank account....

By: Robert J. Nahoum The Short Answer: Credit Cards Are Safer Voice cloning scams are no longer science fiction, they are happening right now, and they are costing consumers thousands of dollars i…

Caught in an Auto Dealer Bait and Switch? Know Your RightsBy: Robert J. Nahoum You find the perfect car online. The pric...
05/27/2026

Caught in an Auto Dealer Bait and Switch? Know Your Rights

By: Robert J. Nahoum You find the perfect car online. The price is right, the monthly payment fits your budget, and the listing says it’s sitting on the lot right now. You drive down to the dealership, excited to sign the paperwork, only to hear the salesperson say: “Oh, that car just sold an hour ago. But let me show you this other model instead.”...

By: Robert J. Nahoum You find the perfect car online. The price is right, the monthly payment fits your budget, and the listing says it’s sitting on the lot right now. You drive down to the dealer…

Mazda and Toyota Stop Buying Brokered Deals in New Jersey: What Car Buyers Should KnowBy: Robert J. Nahoum Mazda and Toy...
05/26/2026

Mazda and Toyota Stop Buying Brokered Deals in New Jersey: What Car Buyers Should Know

By: Robert J. Nahoum Mazda and Toyota’s finance companies have taken a big step in New Jersey: they will no longer purchase lease or retail contracts involving brokered vehicle deals in the state. For consumers, this is another sign that brokered auto sales are drawing more scrutiny, especially when they involve transactions that may not comply with New Jersey law....

By: Robert J. Nahoum Mazda and Toyota’s finance companies have taken a big step in New Jersey: they will no longer purchase lease or retail contracts involving brokered vehicle deals in the state.…

Why You First Learn About a Debt Lawsuit Through Wage Garnishment in New YorkBy: Robert J. Nahoum Most people assume the...
05/19/2026

Why You First Learn About a Debt Lawsuit Through Wage Garnishment in New York

By: Robert J. Nahoum Most people assume they’ll know right away if they’ve been sued. In reality, many New Yorkers only discover a debt collection lawsuit after their paycheck is suddenly reduced by a wage garnishment. If that sounds surprising, you’re not alone, and there are specific legal and practical reasons why this happens so often. How Debt Lawsuits Are Supposed to Work…...

By: Robert J. Nahoum Most people assume they’ll know right away if they’ve been sued. In reality, many New Yorkers only discover a debt collection lawsuit after their paycheck is suddenly reduced …

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48 Burd Street
Nyack, NY
10960

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