FRANK FRANK GOLDSTEIN & NAGER PCFRANK FRANK GOLDSTEIN & NAGER PC

New York State Collection AttorneysNew York State Collection Attorneys

1430 Broadway, Suite 16151430 Broadway, Suite 1615New York, NY 10018New York, NY 10018Tel. (212) 686-0100 Tel. (212) 686-0100 Fax. (212) 686-6726Fax. (212) 686-6726

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Our MissionOur Mission

To protect our client’s reputation while To protect our client’s reputation while preserving their bottom line.preserving their bottom line.

ABOUT USABOUT US

Frank Frank Goldstein & Nager PC is a New York City based law firm specializing in Frank Frank Goldstein & Nager PC is a New York City based law firm specializing in Collection of Accounts Receivable and Business Debt. Collection of Accounts Receivable and Business Debt.

We built our business on a foundation of responsive, personal attention. All our clients We built our business on a foundation of responsive, personal attention. All our clients benefit from our persistence, energy and efficiency.benefit from our persistence, energy and efficiency.

Respectful and effective. We believe that successful debt collection can be built on a Respectful and effective. We believe that successful debt collection can be built on a foundation of dignity for all involved. We treat people with respect without compromising foundation of dignity for all involved. We treat people with respect without compromising our ability to collect. our ability to collect.

Bonded, full-service debt collection practice.Bonded, full-service debt collection practice.

Focused exclusively on the collection of commercial and consumer debts for more than Focused exclusively on the collection of commercial and consumer debts for more than 65 years.65 years.

Clients receive personal partner attention.Clients receive personal partner attention.

Known for our skill in achieving fully satisfactory collection rates while treating debtors Known for our skill in achieving fully satisfactory collection rates while treating debtors with dignity.with dignity.

Most work done on a contingency basis (clients pay court fees).Most work done on a contingency basis (clients pay court fees).

Clients in Many IndustriesClients in Many Industries

Debt Collection Law clients includeDebt Collection Law clients include::

● ● Banks, credit unions and factorsBanks, credit unions and factors● ● Law firms and accounting firmsLaw firms and accounting firms● ● CCollection agenciesollection agencies● ● Manufacturers and fabricatorsManufacturers and fabricators● ● Companies in design, construction and maintenanceCompanies in design, construction and maintenance● ● Major health care organizationsMajor health care organizations● ● Small to medium-sized businesses of all kinds Small to medium-sized businesses of all kinds

Current ClientsCurrent Clients

We are the preferred vendor for We are the preferred vendor for

collection agencies and law firmscollection agencies and law firms..Suntrust Bank -2Suntrust Bank -2ndnd tier tierNordisk Factoring -1Nordisk Factoring -1stst tier tierCoface Factoring -1Coface Factoring -1stst tier tierSterling Factors -2Sterling Factors -2ndnd tier tierAdvanced Restaurant Advanced Restaurant Finance -2Finance -2ndnd tier tierSharonview Federal Credit Sharonview Federal Credit Union -1Union -1stst tier tierAccess Group Inc. -2Access Group Inc. -2ndnd tier tierSallie Mae Financial -2Sallie Mae Financial -2ndnd tier tierNational Collegiate Trust -National Collegiate Trust -22ndnd tier tier

Total Higher Education -2Total Higher Education -2ndnd tier tierBranch Bank & Trust -2Branch Bank & Trust -2ndnd tier tierUnited Nations Federal Credit United Nations Federal Credit Union -1Union -1stst tier tierRBC Centura Bank -2RBC Centura Bank -2ndnd tier tierAmerican Express – 2American Express – 2ndnd tier tierBank of America – 2Bank of America – 2ndnd tier tierWachovia Bank – 2Wachovia Bank – 2ndnd tier tierLending Tree -2Lending Tree -2ndnd tier tierInfibank -2Infibank -2ndnd tier tier

COMPLIANCE WITH COMPLIANCE WITH STATE AND FEDERAL LAWSSTATE AND FEDERAL LAWS

We ensure compliance with all laws and debt We ensure compliance with all laws and debt collection practices, including:collection practices, including:

The Fair Debt Collection Practices ActThe Fair Debt Collection Practices ActThe Fair Credit Reporting ActThe Fair Credit Reporting ActThe Health Insurance Portability and The Health Insurance Portability and Accountability Act (HIPPA)Accountability Act (HIPPA)

We also possess a comprehensive We also possess a comprehensive knowledge of relevant New York State Law knowledge of relevant New York State Law and Local Court Rules which govern the and Local Court Rules which govern the collection of judgments and debts.collection of judgments and debts.

Collection ProcessCollection Process

Debtor will either make payment arrangements, dispute or ignoreDebtor will either make payment arrangements, dispute or ignore

We ask for disputes in writing. We ask for disputes in writing.

We submit debtor’s dispute to client with our recommendationsWe submit debtor’s dispute to client with our recommendations– Suit or no suitSuit or no suit– Client’s decision to sue or write-offClient’s decision to sue or write-off

Legal ProcessLegal Process

Suit is recommendedSuit is recommendedCosts received –Summons and Complaint prepared and Costs received –Summons and Complaint prepared and filed with Courtfiled with CourtDefendant served with papers.Defendant served with papers.If answer filed by defendant, discovery period begins and If answer filed by defendant, discovery period begins and we await trial datewe await trial dateIf counterclaims, client may choose to have in-house If counterclaims, client may choose to have in-house counsel handle the defense or we can handle on an counsel handle the defense or we can handle on an hourly fee.hourly fee.If no answer, we petition the Court for entry of default If no answer, we petition the Court for entry of default judgment.judgment.Judgment—ultimately entered.Judgment—ultimately entered.

Post Judgment RemediesPost Judgment Remedies

Liens: Liens are placed on known properties owned by Liens: Liens are placed on known properties owned by debtor. debtor. Property Execution: Sent to Sheriff/Marshal to levy at Property Execution: Sent to Sheriff/Marshal to levy at debtor’s place of business, financial institutions or to debtor’s place of business, financial institutions or to proceed with the sale of any property and/or known proceed with the sale of any property and/or known assets.assets.Income Execution: Sent to Sheriff/Marshal to proceed Income Execution: Sent to Sheriff/Marshal to proceed with wage garnishment.with wage garnishment.Information Subpoenas: Sent to financial institutions, Information Subpoenas: Sent to financial institutions, landlords, employers, debtor’s customers and suppliers landlords, employers, debtor’s customers and suppliers in effort to obtain information on debtor’s assets and/or in effort to obtain information on debtor’s assets and/or credit information. credit information.

Choose Frank Frank Goldstein & Nager PC.Choose Frank Frank Goldstein & Nager PC. We have a deep knowledge of federal, state and local consumer We have a deep knowledge of federal, state and local consumer credit legislation and regulation to protect you from the minefields of credit legislation and regulation to protect you from the minefields of consumer debt collection.consumer debt collection.

We keep you in compliance with all laws and debt collection We keep you in compliance with all laws and debt collection practices.practices.

We protect the client’s reputation while preserving their bottom line.We protect the client’s reputation while preserving their bottom line.

We work hand in hand with our clients to maximize results. We work hand in hand with our clients to maximize results.

Our fees are competitive with industry standards.Our fees are competitive with industry standards.

We handle everything from initial demand letter to suit (if warranted) We handle everything from initial demand letter to suit (if warranted) to enforcement of judgment.to enforcement of judgment.

Excellent recovery rate.Excellent recovery rate.

Jocelyn Ruth Nager, Esq.Jocelyn Ruth Nager, Esq.PRESIDENT OF FRANK FRANK GOLDSTEIN & NAGER, PC.PRESIDENT OF FRANK FRANK GOLDSTEIN & NAGER, PC.

Practice Areas: Practice Areas: Commercial Collections; Retail Collections; Consumer Collections; Commercial Collections; Retail Collections; Consumer Collections; Repossessions; Bankruptcy; Creditors Rights; Fraudulent Conveyance Repossessions; Bankruptcy; Creditors Rights; Fraudulent Conveyance 

Education: Education: Hofstra University, J.D., 1988, New York State University at Binghamton, Hofstra University, J.D., 1988, New York State University at Binghamton, B.A., 1985 B.A., 1985 

AdmittedAdmitted1988, New York and U.S. District Court, Southern District of New York 1988, New York and U.S. District Court, Southern District of New York 

Memberships: Memberships: The Executive Association of Greater New York; Harpur Law The Executive Association of Greater New York; Harpur Law Council; National Association of Women Business Owners, Commercial Law League Council; National Association of Women Business Owners, Commercial Law League of America; International Association of Commercial Collectors. of America; International Association of Commercial Collectors. 

Born Born New York, N.Y., September 18, 1963 New York, N.Y., September 18, 1963 

Biography: Biography: Certified Woman Owned Business, Women's Business Enterprise Certified Woman Owned Business, Women's Business Enterprise National Council, Women's Business Enterprise, Licensed by the New York City, National Council, Women's Business Enterprise, Licensed by the New York City, Department of Consumer Affairs. Vice-President of Membership, National Association Department of Consumer Affairs. Vice-President of Membership, National Association of Women Business Owners - New York City. Arbitrator, Better Business Bureauof Women Business Owners - New York City. Arbitrator, Better Business Bureau

Peter G. Rubin, Esq.Peter G. Rubin, Esq.ASSOCIATE ATTORNEYASSOCIATE ATTORNEY

Practice Areas: Practice Areas: Collections; Commercial Litigation; Commercial Collections; Commercial Litigation; Commercial Collections; Consumer Collections; Bankruptcy Collections Collections; Consumer Collections; Bankruptcy Collections 

Born: Born: Oceanside, New York. October 5, 1968Oceanside, New York. October 5, 1968

Education: Education: Boston University, J.D., 1993, Duke University, B.A., 1989 Boston University, J.D., 1993, Duke University, B.A., 1989 

Admitted: Admitted: 1994, New York; 1995, U.S. District Court, Eastern and Southern 1994, New York; 1995, U.S. District Court, Eastern and Southern Districts of New York Districts of New York 

Jackelyn Florez, CLAJackelyn Florez, CLACOLLECTION MANAGER/CERTIFIED LEGAL ASSISTANTCOLLECTION MANAGER/CERTIFIED LEGAL ASSISTANT

Expertise: Expertise: Consultant to business in setting up their credit policies Consultant to business in setting up their credit policies and back office practices; Skip tracing; Investigations; Post-and back office practices; Skip tracing; Investigations; Post-Judgment collections of commercial and consumer debt; Informative Judgment collections of commercial and consumer debt; Informative seminars. seminars.

Born: Born: Weehawken, New Jersey. January 26, 1969Weehawken, New Jersey. January 26, 1969

Education: Education: – Berkeley College, 1996 – Applied Science Associates Degree in Berkeley College, 1996 – Applied Science Associates Degree in

Paralegal StudiesParalegal Studies– Thomson Education, --Private InvestigationsThomson Education, --Private Investigations– National Association of Legal Assistants – Certification Preparatory National Association of Legal Assistants – Certification Preparatory

Courses – Legal Assistant Certification. (Certified August 2000)Courses – Legal Assistant Certification. (Certified August 2000)

Member: Member: National Association of Legal AssistantsNational Association of Legal Assistants

To learn more:To learn more:

FRANK FRANK GOLDSTEIN & NAGER PCFRANK FRANK GOLDSTEIN & NAGER PC

1430 Broadway, Suite 1615, New York, New York 100181430 Broadway, Suite 1615, New York, New York 10018

Tel (212) 686-0100 Fax (212) 686-6726Tel (212) 686-0100 Fax (212) 686-6726

WWW.FFGNESQS.COMWWW.FFGNESQS.COM

jnager@ffgnesqs.comjnager@ffgnesqs.com prubin@ffgnesqs.comprubin@ffgnesqs.com

jflorez@ffgnesqs.comjflorez@ffgnesqs.com