Nudelman, Nudelman & Ziering (Dell Financial Services)They want more money. Roseland New Jersey

I was a victim of this same law firm last year. They sent me a letter in August of 2007 stating that I had a deliquent Providian Mastercard account and owed close to $1500. The problem was that I never had a Mastercard account with Providian Bank. They told me that I had 30 days to dispute the debt, but that they did not have to wait the 30 days to file a lawsuit. I did dispute the account with them, submitting documentation that it was not my account. After 30 days, and they had not sumitted any proof of the debt, I called them and asked them to remove the entry from my credit report, upon which the representative I spoke to got very nasty and beligerent with me, demanding that I pay $300 to $400 a month. I repeated that it wasn't my debt. Then he changed tactics and told me that he would sent me up on a payment plan and that he would send the documents in the mail. When received the document, it stated that I agree to pay them each month until the debt was paid. However, the document also stated that if a payment didn't arrive on time, they had the right the go to court without contacting me and get a judgement and garnishment. The document gave no protection for me, such as if I lost my job or was out of work due to illness. Again I disputed the debt with them and refused to sign the document.

A few months later I got a notice from our local Superior Court stating that the law firm had filed a lawsuit against me. I was livid and gathered all my documentation, including registered letter receipts and submitted my answer to the lawsuit to the court as well as the law firm. Realizing that they had no case, they had the gall to send a letter to the court, demanding that they receive a judgement against me because I had violated court rule and not submitted a copy of my answer to the firm. This is where they made their big mistake. I had sent, by registered mail, my response to their suit. There was an attempt to deliver the letter on March 15, 2008 by the post office and a card was left. The letter was actually delivered on March 17. The law firm's letter to the court that I had failed to respond was written on March 19, two days after they received my letter. I wrote another letter to the court detailing their attempt to deny me just cause and submitted it along with the return post card with one of the main lawyer's name on it, proving that they received the letter before they sent their letter to the court. My date to go to court was June 26 of last year. The night of June 25, I got a phone call from the law firm, but no message was left. When I got to court the next day, I was informed that the case had been dropped.

So it's not just Dell. Chances are, Dell sold the debt to them and they are the ones who will benefit from any payment you make to them. Make sure you keep all your documentation and anything you have to send to them, send it by registered mail with return receipt so you have a paper trail. Good luck.

I was a victim of this same law firm last year. They sent me a letter in August of 2007 stating that I had a deliquent Providian Mastercard account and owed close to $1500. The problem was that I never had a Mastercard account with Providian Bank. They told me that I had 30 days to dispute the debt, but that they did not have to wait the 30 days to file a lawsuit. I did dispute the account with them, submitting documentation that it was not my account. After 30 days, and they had not sumitted any proof of the debt, I called them and asked them to remove the entry from my credit report, upon which the representative I spoke to got very nasty and beligerent with me, demanding that I pay $300 to $400 a month. I repeated that it wasn't my debt. Then he changed tactics and told me that he would sent me up on a payment plan and that he would send the documents in the mail. When received the document, it stated that I agree to pay them each month until the debt was paid. However, the document also stated that if a payment didn't arrive on time, they had the right the go to court without contacting me and get a judgement and garnishment. The document gave no protection for me, such as if I lost my job or was out of work due to illness. Again I disputed the debt with them and refused to sign the document.

A few months later I got a notice from our local Superior Court stating that the law firm had filed a lawsuit against me. I was livid and gathered all my documentation, including registered letter receipts and submitted my answer to the lawsuit to the court as well as the law firm. Realizing that they had no case, they had the gall to send a letter to the court, demanding that they receive a judgement against me because I had violated court rule and not submitted a copy of my answer to the firm. This is where they made their big mistake. I had sent, by registered mail, my response to their suit. There was an attempt to deliver the letter on March 15, 2008 by the post office and a card was left. The letter was actually delivered on March 17. The law firm's letter to the court that I had failed to respond was written on March 19, two days after they received my letter. I wrote another letter to the court detailing their attempt to deny me just cause and submitted it along with the return post card with one of the main lawyer's name on it, proving that they received the letter before they sent their letter to the court. My date to go to court was June 26 of last year. The night of June 25, I got a phone call from the law firm, but no message was left. When I got to court the next day, I was informed that the case had been dropped.

So it's not just Dell. Chances are, Dell sold the debt to them and they are the ones who will benefit from any payment you make to them. Make sure you keep all your documentation and anything you have to send to them, send it by registered mail with return receipt so you have a paper trail. Good luck.

I was a victim of this same law firm last year. They sent me a letter in August of 2007 stating that I had a deliquent Providian Mastercard account and owed close to $1500. The problem was that I never had a Mastercard account with Providian Bank. They told me that I had 30 days to dispute the debt, but that they did not have to wait the 30 days to file a lawsuit. I did dispute the account with them, submitting documentation that it was not my account. After 30 days, and they had not sumitted any proof of the debt, I called them and asked them to remove the entry from my credit report, upon which the representative I spoke to got very nasty and beligerent with me, demanding that I pay $300 to $400 a month. I repeated that it wasn't my debt. Then he changed tactics and told me that he would sent me up on a payment plan and that he would send the documents in the mail. When received the document, it stated that I agree to pay them each month until the debt was paid. However, the document also stated that if a payment didn't arrive on time, they had the right the go to court without contacting me and get a judgement and garnishment. The document gave no protection for me, such as if I lost my job or was out of work due to illness. Again I disputed the debt with them and refused to sign the document.

A few months later I got a notice from our local Superior Court stating that the law firm had filed a lawsuit against me. I was livid and gathered all my documentation, including registered letter receipts and submitted my answer to the lawsuit to the court as well as the law firm. Realizing that they had no case, they had the gall to send a letter to the court, demanding that they receive a judgement against me because I had violated court rule and not submitted a copy of my answer to the firm. This is where they made their big mistake. I had sent, by registered mail, my response to their suit. There was an attempt to deliver the letter on March 15, 2008 by the post office and a card was left. The letter was actually delivered on March 17. The law firm's letter to the court that I had failed to respond was written on March 19, two days after they received my letter. I wrote another letter to the court detailing their attempt to deny me just cause and submitted it along with the return post card with one of the main lawyer's name on it, proving that they received the letter before they sent their letter to the court. My date to go to court was June 26 of last year. The night of June 25, I got a phone call from the law firm, but no message was left. When I got to court the next day, I was informed that the case had been dropped.

So it's not just Dell. Chances are, Dell sold the debt to them and they are the ones who will benefit from any payment you make to them. Make sure you keep all your documentation and anything you have to send to them, send it by registered mail with return receipt so you have a paper trail. Good luck.

Call a lawyer that handles Fair Debt Collection Act Violations,your case may fall under It,There Is a Top Notch Law Firm In Philadelphia that handles these cases of collection agency (I don't know If Law Firms are under FDCAP Guidelines,but It Is worth your while to Inquire) violating Consumers right to a Fair Debt Collection act.

There is a top notch law firm in Philadelphia that has helped me Tremendously as I was a victim of Collectors violating Debt Collection Rules,call 215-745-9800,If they cannot help you I am sure they will send you to someone that will,we all make mistakes and all we can do Is learn from them as I have.

Please Call,you have nothing to lose,even If nothing comes out of It,but from my experience they will help you or send you in the right direction.....

I hope 2009 Is a Better year for you and a new beginning for you.....

Take Care and have a good life.....

I DO NOT KNOW ALL THE RULES OF PROCEDURE FOR YOUR AREA/STATE BUT UNLESS YOU GOT A NOTICE OF A LIEN FROM A COURT HOUSE ROW OFFICE THERE IS NO LIEN. GO TO YOUR COUNTY COURTHOUSE AND HAVE IT LOOKED UP. ITS FREE. IF THERE IS A JUDGMENT LISTED ASK HOW YOU CONTEST IT. OR THE VERY EASY THING TO DO IS GO TO LEGAL AID FOR HELP.

Just want to make it clear that it's not Nudelman & Ziering It's Dell Financial Service they the one that is ripping people off. They give the case to the lawyers and make them look bad. They just doing thier job. I appolgize for what I said. This happen 7 years ago and never got a call or letters from them.