Samuel John Ford

Samuel John Ford

Varadi, Hair & Checki, LLC
  • Consumer Law
  • Louisiana
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Summary

Samuel Ford is a dedicated consumer attorney, protecting the rights of consumers in Louisiana, the gulf coast, and throughout the nation. Samuel's practice is focused on providing individuals relief from relentless debt collectors who use abusive and illegal tactics to squeeze money out of hard-working Americans. Prior to joining Varadi, Hair & Checki, Samuel was a defense attorney for creditors and debt collectors, witnessing first-hand the injurious methods utilized by these corporations and learning the best ways to fight back against them. If you are receiving calls or letters from a debt collector, have been sued on a debt, or have derogatory information on your credit report, Samuel can help you. Samuel earned his law degree from Tulane University School of Law in 2014, graduating magna cum laude. Samuel was inducted in the Order of the Barristers for excellence in written and oral advocacy and was a Justice of the Moot Court Board, as well as a coach and member of the Alternative Dispute Resolution Moot Court Team. In addition, Samuel served as Vice President of his class and was the Director of the Tulane Legal Assistance Program. Samuel received his undergraduate degree from the University of Washington in 2009. Prior to law school, he was an English teacher in Quito, Ecuador.

Practice Area
  • Consumer Law
Jurisdictions Admitted to Practice
Louisiana
5th Circuit
Languages
  • English: Spoken, Written
Professional Experience
Partner
Varadi, Hair & Checki, LLC
- Current
Associate Attorney; Law Clerk
Sessions, Fishman, Nathan & Israel, LLC
-
Law Clerk
The Pro Bono Project
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Law Clerk
Southeast Louisiana Legal Services
-
Education
Tulane University School of Law
J.D. (2014)
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Honors: Magna Cum Laude; Order of the Barrister
Activities: Moot Court Board Justice Civil Litigation Clinic Student Attorney Tulane University Legal Assistance Program Director Alternative Dispute Resolution Moot Court Team Member
Professional Associations
Louisiana State Bar Association # 36081
Member
Current
Websites & Blogs
Website
StopTheDebtCollectors
Legal Answers
9 Questions Answered

Q. Can I fight a collection if I was never notified of bill being past due. All notifications were mailed to wrong address
A: While an attorney will have to review the details of your situation, it sounds like you have a viable claim to challenge the collection actions and credit reporting of the alleged debt. Federal and state laws protect consumers from wrongful collection and credit reporting practices. I recommend speaking to a consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship or intended to be legal advice.
Q. Credit card company is hiring attorney to get debt from me, what is the worst thing can happen?
A: Generally, if a creditor files suit against you and you do not respond, they can obtain a default judgment against you. Once the creditor has the judgment, they can use it to freeze your bank account, garnish your wages, or execute the judgment against property you own. You will likely have the best options for handling the situation before suit is filed against you and certainly before the creditor obtains a judgment against you. I recommend speaking to a consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship or intended to be legal advice.
Q. I have credit card collections and I live in Texas. If I move to Georgia, would the creditors be able to garnish wages.
A: They probably could still garnish your wages eventually, but it may be a longer process. To garnish wages on a credit card debt, the creditor would first need to sue you and acquire a judgment against you. If the judgment is in Texas, the creditor would then need to apply for local enforcement of the judgment with a Georgia court. The creditor generally must provide you notice of the application, and you will have the right to object. If you do not respond, the judgment will likely become enforceable in Georgia. If the creditor sues you in Georgia, they can skip the above step. Once the creditor has an enforceable judgment against you, they can apply to a Georgia court for garnishment and serve garnishment papers on your employer. Depending on how much you owe, it may not be worth the time and money for the creditor to do this and they may use other methods to attempt to recoup the debt, such as selling the debt to debt buyers. When debts are sold, the right to file suit on the debt is usually transferred, however, you may have defenses to a collection suit on the sold debt. Federal and state laws protect you from unfair and harassing debt collection practices. If you are receiving calls and letters from debt collectors, an attorney may be able to help. I recommend speaking to a consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship or intended to be legal advice.
Q. If I file bankruptcy pro se, can creditors still contact me about debts? If so, what can they inquire about?
A: Once you file bankruptcy and you have served notice of the bankruptcy on your creditors, they should not contact you outside of the bankruptcy proceedings to collect the debt. The bankruptcy creates an "automatic stay" that should protect you from collection activity. Continued collection communications may be a violation of the automatic stay and other state and federal laws. While filing bankruptcy without an attorney may the best option for you, I recommend speaking to a Louisiana consumer attorney if you continue to receive collection communications so you can fully understand your rights. Also, you may want to speak to an attorney to decide if bankruptcy is right for you, as you may have other options. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship.
Q. Can you appeal a wage garnishment? Its for a private student loan? There taking 25 percent. And I can't afford it.
A: Wage garnishments are difficult to challenge once they have begun, however, you may have options if there was anything improper about the collection process or institution of the garnishment. State and federal laws protect consumers from unfair collection practices and it may be worth speaking with a consumer attorney in your area to make sure nothing was done improperly. I recommend speaking to a Louisiana consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship.
Q. I signed a promissory note in 1999 in louisiana. It was one of those in case you win the lottery things. Now the estat
A: Generally, the limitations period for suing someone on a promissory note is five years. This means the creditor may have lost the legal right to enforce the alleged debt.The details of your situation, however, may change whether or not the debt is still legally enforceable. I recommend speaking to a Louisiana consumer attorney regarding the details of your situation so you can fully understand your rights. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship.
Q. Can I sue a creditor in small claims court for loss of wages after they harassed me so much at work that I was suspended
A: You likely have a case against the creditor based on the actions you described and may be able to recover your lost wages.Small claims court, however, may not be the best venue for your claims. There are both state and federal laws that may be in play here and a consumer attorney will provide you with the best options for your situation. I recommend speaking to a Louisiana consumer attorney regarding the details of your situation so you can fully understand your options. Many consumer attorneys offer free consultations. **Please note that the above is general information and not subject to an attorney-client relationship.
Q. Can I dispute a bill I made a payment on in 2007? The bill is from Maryland College and I live in Louisiana.
A: You likely can still dispute the bill and may have defenses to collection of the alleged debt. If you are being contacted by debt collectors, there are federal and state laws that provide dispute rights and protection from unfair collection practices. I recommend speaking to a Louisiana consumer attorney regarding the details of your situation so you can fully understand your rights. **Please note that the above is general information and not subject to an attorney-client relationship.
Q. Is there any law against being reported deceased by a company and this information disseminated?
A: You may have a cause of action depending on a few factors: 1) who is reporting the inaccurate information? If the company qualifies as a credit reporting agency, you may have a right of action under the Fair Credit Reporting Act. If not, other laws may protect you. 2) Who was the information disseminated to? This could bring in other laws. 3) have you been financially injured by this inaccurate information? The US Supreme Court is currently deciding whether a consumer has a cause of action based on a similar claim where the consumer cannot show that the inaccurate information actually injured him. While such inaccurate information certainly could cause injury, you may need to show that it actually has hurt you in some way. I recommend talking to a consumer attorney in your area about the details of your situation. **Please note that the above is general information and not subject to an attorney-client relationship.
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909 Poydras
Suite 1100
New Orleans, LA 70112
USA
Telephone: (504) 684-5200 Ext. 6845200