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

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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.

When Auto Dealers Get Ripped Off: Fraudsters Flip the Script With “Bust-Out” SchemesBy: Robert J. Nahoum For decades, ma...
09/29/2026

When Auto Dealers Get Ripped Off: Fraudsters Flip the Script With “Bust-Out” Schemes

By: Robert J. Nahoum For decades, many car buyers have walked into dealerships at a disadvantage. Dealers and their finance departments often have superior information, sophisticated sales systems, and a powerful incentive to close a deal—even when the financing, add-ons, or representations are not in the consumer’s best interest. But a recent report highlights an unusual reversal: organized fraud rings are increasingly targeting auto dealers and finance companies through so-called “bust-out” fraud schemes....

By: Robert J. Nahoum For decades, many car buyers have walked into dealerships at a disadvantage. Dealers and their finance departments often have superior information, sophisticated sales systems…

What the FTC’s New Auto Dealer Pricing Transparency Guidance Means for YouBy: Robert J. Nahoum Have you ever found a veh...
09/22/2026

What the FTC’s New Auto Dealer Pricing Transparency Guidance Means for You

By: Robert J. Nahoum Have you ever found a vehicle advertised online for $25,000, only to sit down at the dealership and watch the final figure balloon to $29,000 after mandatory "doc fees," prep costs, and unwanted dealer add-ons? If so, you are not alone. Deceptive "bait-and-switch" pricing is one of the most common ways consumers get taken advantage of when buying a car....

By: Robert J. Nahoum Have you ever found a vehicle advertised online for $25,000, only to sit down at the dealership and watch the final figure balloon to $29,000 after mandatory “doc fees,&…

Credit Acceptance $710M Settlement: What Auto Loan Borrowers Need to KnowBy: Robert J. Nahoum If you purchased a used ca...
09/21/2026

Credit Acceptance $710M Settlement: What Auto Loan Borrowers Need to Know

By: Robert J. Nahoum If you purchased a used car and faced unaffordable monthly payments, hidden fees, or aggressive debt collection after defaulting, you are not alone. In September 2026, Credit Acceptance Corporation (CAC), one of the nation's largest subprime auto lenders, agreed to a $710 million settlement with a coalition of 40 state Attorneys General and Washington, D.C.. The lawsuit alleged that Credit Acceptance engaged in predatory auto lending, trapping low-income borrowers in auto loans designed to fail....

By: Robert J. Nahoum If you purchased a used car and faced unaffordable monthly payments, hidden fees, or aggressive debt collection after defaulting, you are not alone. In September 2026, Credit …

How Car Dealerships Make Money: The F&I Room SecretsHow Car Dealerships Really Make Money (And How Consumers Can Protect...
09/16/2026

How Car Dealerships Make Money: The F&I Room Secrets

How Car Dealerships Really Make Money (And How Consumers Can Protect Themselves) BY: Robert J. Nahoum When most consumers walk onto an auto dealership lot, they assume the dealer makes the bulk of its profit by selling cars above wholesale cost. In reality, modern dealerships often treat the sale of the vehicle itself as a loss leader or break-even transaction....

How Car Dealerships Really Make Money (And How Consumers Can Protect Themselves) BY: Robert J. Nahoum When most consumers walk onto an auto dealership lot, they assume the dealer makes the bulk of…

New Jersey Auto Dealer Bait-and-Switch: How Dealers Break the Law and How You Can Fight BackBy: Robert J. Nahoum Buying ...
09/08/2026

New Jersey Auto Dealer Bait-and-Switch: How Dealers Break the Law and How You Can Fight Back

By: Robert J. Nahoum Buying a car should be straightforward: you see an advertised price, you go to the dealership, and you buy the car at that price. But too often, New Jersey consumers are lured in by a low advertised price,—only to be told the car is “just sold,” or that the price requires a large down payment, trade-in, or add-on fees that were never disclosed....

By: Robert J. Nahoum Buying a car should be straightforward: you see an advertised price, you go to the dealership, and you buy the car at that price. But too often, New Jersey consumers are lured…

How the Truth in Lending Act Protects New Jersey Car Buyers from Auto FraudBy: Robert J. Nahoum Buying a vehicle is ofte...
09/04/2026

How the Truth in Lending Act Protects New Jersey Car Buyers from Auto Fraud

By: Robert J. Nahoum Buying a vehicle is often one of the largest financial commitments a consumer makes. When you step onto a New Jersey dealership lot, you expect a fair deal and transparent terms. Unfortunately, deceptive sales tactics and hidden auto financing schemes remain widespread across the state. When crooked car dealerships manipulate financing terms, pad contracts, or mislead buyers, federal law steps in....

By: Robert J. Nahoum Buying a vehicle is often one of the largest financial commitments a consumer makes. When you step onto a New Jersey dealership lot, you expect a fair deal and transparent ter…

New Jersey Auto Dealer Fraud FAQ: Common Scams & Your Legal RightsBy: Robert J. Nahoum Buying a new or used vehicle is o...
08/31/2026

New Jersey Auto Dealer Fraud FAQ: Common Scams & Your Legal Rights

By: Robert J. Nahoum Buying a new or used vehicle is one of the largest purchases most New Jersey residents will ever make. While most car buyers expect tough negotiations, many are unprepared for deceptive tactics, hidden fees, and illegal financing schemes executed in the showroom or the Finance & Insurance (F&I) office. If you feel like a car dealership pulled a fast one on you, you are not alone....

By: Robert J. Nahoum Buying a new or used vehicle is one of the largest purchases most New Jersey residents will ever make. While most car buyers expect tough negotiations, many are unprepared for…

Victory Mitsubishi Consumer Complaints: Hidden Fees, Pricing Concerns, and Your Legal RightsVictory Mitsubishi Consumer ...
08/24/2026

Victory Mitsubishi Consumer Complaints: Hidden Fees, Pricing Concerns, and Your Legal Rights

Victory Mitsubishi Consumer Complaints: Hidden Fees, Pricing Concerns, and Your Legal Rights By: Robert J. Nahoum If you bought or financed a vehicle from Victory Mitsubishi in the Bronx and believe the deal did not match what you were promised, do not assume the paperwork ends the conversation. A careful review of the advertising, sales documents, finance contract, and communications may identify important questions about your rights....

Victory Mitsubishi Consumer Complaints: Hidden Fees, Pricing Concerns, and Your Legal Rights By: Robert J. Nahoum If you bought or financed a vehicle from Victory Mitsubishi in the Bronx and belie…

NYC DCWP Debt Collection Rules FAQ: 2027 Compliance GuideBy: Robert J. Nahoum New York City Releases FAQs and Delays Swe...
08/21/2026

NYC DCWP Debt Collection Rules FAQ: 2027 Compliance Guide

By: Robert J. Nahoum New York City Releases FAQs and Delays Sweeping Debt Collection Rules Until January 1, 2027: What Consumers Need to Know In a significant update for New York City consumers and the debt collection industry, the New York City Department of Consumer and Worker Protection (DCWP) released official Frequently Asked Questions (FAQs) regarding its landmark debt collection rules....

By: Robert J. Nahoum New York City Releases FAQs and Delays Sweeping Debt Collection Rules Until January 1, 2027: What Consumers Need to Know In a significant update for New York City consumers an…

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48 Burd Street
Nyack, NY
10960

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