About Us
My name is Tony Pietrafesa. I’ve been a lawyer since 1983. Over the course of my career I have been a state prosecutor, bank lawyer, agency counsel and even a collection lawyer. I focus on helping people get a fair shake from those seeking money from them.
I was educated at Colgate University and trained at the Syracuse University College of Law. I am admitted to the New York State courts and US District Court for the Northern District of New York. As a member of the National Association of Consumer Advocates (NACA), I seek to put my training and experience to work for the consumer, particularly in the following areas:
Fair debt collection
Fair credit reporting
Defending credit card debt lawsuits
Defending debt-related arbitrations
Divorce Mediation and Financial Planning
If you are being hounded by anyone on Bud Hibbs’ collection agency list, let’s talk. Call 518-218-0851 or fax me at 518-514-1241 for a free initial consultation.
I live and work in Albany, but can help you throughout New York State.
WHAT TO DO WHEN…
…You get letters and phone calls
Keep the letters, keep the letters, and keep the letters. Keep the envelopes, too, for the cancellation stamp.
If you do not agree the debt is yours, disagree about the amount, or do not recognize the alleged creditor, consider sending a Debt Validation letter by certified mail. Make sure you do this within 30 days of getting the first letter. This triggers certain federal rights.
Don’t be afraid when receiving certified mail. If someone is sending you a certified letter, it is better to get it than not.
Keep track of all phone calls. Start a collection communications log like this one recommended by noted consumer attorney Pete Barry.
Consider recording the phone calls you get or make to collection agents. You can follow Pete Barry’s tips or get an account at www.tel-biz.com.
If you talk to a collection agent, be firm but polite. Remind them that you dispute the debt and need validation of the debt. If they threaten you, stay cool, get them to repeat it, write it down. Ask the agent for his or her name.
…You get sued
Don’t ignore a summons. In New York State, your time to answer a summons runs from 10 to 30 days, depending on the court or method of service. Make a copy and call us or the lawyer or your choice.
…You receive an arbitration claim
Many lenders have added arbitration clauses in their credit card agreements. Arbitration essentially takes the matter out of the court and into the hands of a private adjudicator, such as the American Arbitration Association, JAMS, or the National Arbitration Forum (NAF). The claims will come from a lawyer or the creditor and look like a summons or complaint. If you get a Notice of Arbitration, please call us or the lawyer of your choice. Quickly! These for-profit arbitration outfits have, in our opinion, quirky procedural rules that a consumer can easily trip over. Our experience says you must act quickly to preserve your rights in an arbitration, or to stop the arbitration process if need be.
…You discover a judgment has been entered against you
If you find your bank account has been restrained, chances are there is already a judgment entered against you. There are provisions in New York State law to vacate a judgment. We’d welcome the chance to discuss it with you.
WHY ROLL OVER AND PLAY DEAD?
We defend lawsuits
We vacate judgments
We fight foreclosure and garnishments
We sue debt collectors( when they deserve it)
We can help!