Eichenbaum & Stylianou, LLC are known widely for being a 'debt collection' firm in Northern New Jersey. I personally do not consider them to be on the level as an average attorney because an average attorney has a level of ethics in which they maintain. This 'prestigious' firm has absolutely no regard for the rules of court and feel as if they are barred from following normal court procedures. Being as all of the attorneys in this firm only follow the 'debt collection' practice, it leaves less to be desired when it comes to other areas of law. I moreover consider each and every attorney of this 'prestigious' firm to be a '$5.00 dollar rent-an-attorney' being as all of their clients compensate them no more than $250.00 per defaulted client.

On December 8, 2008, I received a letter from the 'Judgment Recovery Unit' of Eichenbaum & Stylianou, LLC, advising me that on November 25, 2008 a judgment was entered against me on behalf of their client, Capital One Bank. This came to an immediate hilarious shock being as I have never received any type of Complaint in this matter. Pursuant to New Jersey court law, it is mandatory that the Defendant be successfully served with the initial Complaint in any type of civil suit; should the Defendant be unsuccessfully served the Plaintiffs' attorney is NOT allowed to proceed with any further proceedings until service of the Complaint upon the Defendant has been successful either through regular ordinary mail, certified mail, personal carrier service or newspaper publishing.

So, I then proceeded to call the number with the following extension (5066) to advise them of the wonderful situation they've seem to caught themselves in. Unfortunately for them, I've been working in this area of law for the past five years and I'd say by now I'm SOMEWHAT familiar with standard court procedure, needless to say it was a shocking surprise to the unintelligent 'prestigious' employee on the other side of the line.

The employee at extension 5066 insisted that I had been served successfully with the Complaint and that they had my signature on file. This is a boldface lie, because December 8, 2008 was the first time I became familiar with this action in question. I then advised the employee that it would be an extremely wise choice to have his superior file a Motion to Vacate Judgment considering I was never successfully served and never had a chance to defend myself with regard to this matter. However as such, I do not deny my debt, but at this time in our economic stance, paying a debt in which 50% consists of over limit fees, interest, insurance costs (which by the way, never covered any of my costs once I became unemployed, but they still had no issue applying the charge every month) and late charges from after I canceled the card is hardly my priority right now.

He then proceeded to hang up on me in dismay. Needless to say, now that I am aware of the circumstances I will be filing the proper motions in court to move for this matter to be dismissed wholeheartedly and maybe they will consider following court procedure next defendant around.