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Scott D. Bullock

Debt settlement Attorney at Flemington, NJ

4.9   41 reviews
  • State Years
    New York - NY 18 years
    New Jersey - NJ 18 years
  • Licensed for 18 years
    State NY
    Acquired 2006
    Status
    Currently Registered No misconduct found
  • Licensed for 18 years
    State NJ
    Acquired 2005
    Status
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Scott

Learn Scott’s areas of practice.

Many clients who call me for consultations are understandably confused by the caption on the Complaint,  (especially the plaintiff's name) since the name of the original creditor (i.e, Chase Visa, Macy's, etc) rarely appears in the Complaint.

Instead, the caption’s plaintiff is usually “Midland Funding LLC”  or “New Century Financial,” or “Palisades Collection LLC” or “Cavalry III” or “Jackson Capital,” etc.

These above-named “mystery companies” have purchased the bad debt from the original creditor, usually a credit card company or bank.  Often they have paid only pennies on the dollar to the original creditor for this debt, thus the collector’s profit margins are enormous.

As I’ve discussed in previous blog posts, there is a thriving market for “bad debt” in NJ. The NJ Special Civil Part (which is a subsection of NJ Superior Court’s Law Division) has court rules and procedures that create a favorable, advantageous environment for debt collection attorneys. For one thing, if you fail to Answer the complaint in writing, the court will automatically rule you in default after 35 days, with no court appearance needed from the collection firm’s attorney. Once a default judgment is entered, the collection firm has several options to collect from you. They may compel you via an Information Subpoena to disclose your checking/savings account information. They can also obtain a judgement lien against your real estate, or garnish up to 10% of your gross wages until the judgment is satisfied.

The good news is that it is often hard for an assignee such as New Century Financial, Midland Funding LLC, etc. to prove that the original debt (i.e, the money you owed to Visa, Bank of America, etc) is a valid debt, and that they are suing you for the valid & actual amount of your original debt, and that any additional fees/interest are permitted by NJ law or by the original contract with the bank or credit card company.

My office AGGRESSIVELY defends you in these cases. When representing a client in a debt defense matter, we challenge the debt in the Answer to the complaint and assert all affirmative defenses available under law. 

What happened here is that Visa/Bank of America “charged off” your account a few months after you stopped making payments, meaning they wrote off your card balance as a bad debt. To recoup some of their losses, your delinquent account was bundled with hundreds (or thousands) of other delinquent accounts and sold to a third-party debt collection firm such as Midland Funding LLC or New Century Financial or Cavalry III, etc. The collection company likely paid anywhere from 5 to 15 cents on the dollar to the original creditor for the account.

Although buying bad debt and charged-off accounts is perfectly legal in NJ, the company buying the bad debt is still obligated to prove that:

1. The original debt (including interest and finance charges) is valid;

2. That they have a valid assignment of said debt from the original creditor, which the lawyers often call “being a holder in due course.”

The good news is that this is “easier said than done” if you’re the collection agency. Here’s why:

When bad debt is purchased on the market by a collection company, they usually don’t receive a copy of your “file” (i.e, the cardholder agreement, old billing/account statements, etc) from the original creditor. Usually all the collection company receives at purchase is your name, last known address, and original account number(s). Understand also that the debt is not usually purchased directly from the original creditor, but often passes thru a middleman or clearinghouse that specializes in selling bad/junk debt to collections firms.

The beauty of this situation is that it is very difficult (and often in reality impossible) for the collection lawyer to obtain the proof and evidence needed to validate that debt in Court. As discussed above, the answers to Interrogatories must be ANSWERED UNDER OATH WITHIN 30 DAYS by a representative of the ORIGINAL creditor (i.e, a record custodian) who can testify to the debt’s validity, the original creditor’s record-keeping procedures, etc.

Of course, since the original creditor has already charged-off and sold the debt for pennies on the dollar, they no longer have a “horse in the race” so to speak. And often the original documents such as cardholder agreements, billing statements, etc get lost or misplaced, esp. if its an older account. Or if these items do still exist, the collection agency may have to pay an additional fee to the original creditor to search for these documents and have a record custodian testify as to their validity.

Usually, however, that does not happen. The “collection mill” law firms count on the easy money they receive from default judgments- those folks who fail to Answer their complaints. They also count on the debtor trying to “do it themselves” and filing inadequate papers or otherwise not defending the case zealously.

My goal is to “turn the tables” and make the collection process and litigation process VERY difficult for them. Your best asset in a collections lawsuit is an experienced NJ Special Civil Part debt defense lawyer who understands the court rules, knows which defenses to raise, which interrogatory questions to ask, and which motions to file. This past month alone we have had 2 Special Civil Part debt collection cases dismissed outright before trial, saving our clients $7100 and $6000 dollars respectively.

Photos and videos

Location

Large, Scammell & Danziger LLC
7 Maple Avenue
Flemington, NJ, 08822

Reviews

4.9 / 5.0
  41 customer reviews
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Posted by Sara | September 21, 2023
This review is from a person who hired this attorney.
| Hired Attorney
Very Helpful
Scott Bullock just helped my family's local business tremendously through a couple different situations. He proved to be very invested in our cause. Scott exceeded our expectations with the amount of time he gave to us and we found his cost very reasonable considering. Besides this, he is a genuinely kind local guy who wants to see you succeed. We recommend his services.
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Posted by nicholas | October 15, 2018
This review is from a person who hired this attorney.
| Hired Attorney
real estate
Scott, was excellent with helping me buying a house. I was a first time home buyer and did not know what to expect. I realized it was a very stressfull experience but Scott made it a whole lot better. He helped me though each step and moved very quicly through the review process since he knew I had a closing date happening soon. thank you, Nick
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Posted by anonymous | June 27, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Great service and follow-through
Scott is a consummate professional. He rapidly provided a disposition to my case and stuck with me when personal challenges delayed resolution from my end. I appreciate his hard work and strongly recommend him.
Posted by Karen | May 12, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Consumer
Contacted Mr. Bullock for old debt/judgment consultation and hired him immediately! I had two judgments, one was vacated within one month and the second within 2 1/2 months. He is knowledgeable, easy to work and speak with. Thank you for being informative, patient and excellent in what you do!
Posted by Tony | December 19, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Scott is "THE GUY"
I was in a lawsuit with Calavry for a credit card debt case. I was doing some research online and ran into Scott's website. My case was a bit different because judgement was entered while I was oversea. Scott was very professional and knowledgeable in getting the clients what they need. I was convinced, after the first phone call with him, that hes "THE GUY" The process was very time consuming, it required us to put together alot of documents and information. Scott and I were both quite patient because we understand this is what we needed to do. I was able to communicate with him the entire time via email and calls. Long story short, the result at the end is very satisfying. He was able to vacate the previous judgement and negotiate a very reasonable settlement deal with the other party on behalf of me. I would definitely recommended Scott to my friends and relatives.
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Posted by Shawn | October 9, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Motion to Vacate Judgment - - Excellent work!
I would absolutely recommend attorney Scott Bullock for any of your legal needs. I was highly satisfied with the way he handled my case and would not hesitate to use him again if need be. He handled my case with professionalism and integrity. He went out of his way to respond to my emails, phone calls or questions without delay. He is fast, efficient, & effective! Scott is highly competent, knowledgeable, and very sharp attorney. Thank you, Scott!
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Posted by anonymous | June 23, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Debt Settlement
Mr Bullock, You are a one of a kind! We thank you for all your hard work! You are a blessing to my family and we could not have asked for a better outcome. Thank You Sincerely Cathleen P.
Posted by anonymous | January 4, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Effective and quick
Scott was responsive, answered all my questions and helped settle the lawsuit in a matter of a few weeks. Very good personal and hands on service.
Posted by anonymous | December 7, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Seller's Closing
Mr. Bullock handled the closing on my townhouse. He shared documents as they came in and followed up where needed. He is very reasonable to talk to. We successfully closed on the townhouse about a month after it went under contract.
Posted by Mike | November 18, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Excellent, fast, effecient, and effective!
Scott did an unbelieveable job at settling an outstanding judgement I had for a fraction of the actual judgement. He was extremely communicative and professional. I would utilize his services again in a heartbeat!!! You will save yourself thousands of dollars and hours of frustration and headaches!!
Posted by Melissa | November 2, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Scott Bullock was awesome!
Scott was so responsive! We had an unusual closing on a house and he handled stayed on top of the sellers to ensure that closing would take place. His knowledge and quick responses helped us close even when the odds were against it. I would highly recommend Scott Bullock and will definitely use him again when we need an attorney.
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Posted by Cindy | October 19, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Motion to Vacate Judgment
I contacted Mr. Bullock in reference to an outstanding debt that resulted in a Judgment. I was unaware of the Judgment until I was contacted by the Attorneys for the plaintiff. After many unsuccessful attempts to resolve the matter myself, Mr. Bullock reviewed and accepted my case. He was thorough, concise and filed the appropriate court documents without wasting time. I am extremely pleased with the outcome and highly recommend his services.
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Posted by Tonja | July 21, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Debt Negotiation/Court Appearance
After responding to two debtor complaints with answers, motions and interrogatories ...we needed a New Jersey barred attorney to appear in court and negotiate on our behalf at the last minute. Mr. Bullock came highly recommended from another New Jersey debtor law firm and did not disappoint. He is extremely knowledgeable in the area of debt negotiation and was able to settle out both cases for less than 20% of what was owed! When we had questions, he went above and beyond in explaining the law or just sharing a witty story about his legal experiences. Mr. Bullock is very personable and respected even by his adversaries. I would highly recommend him to handle negotiation and/or litigation matters.
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Posted by Chris | April 19, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Amazing Job
I was so stressed out about being sued by a debt collector and thought I could handle it on my own. I realized that I couldn't after weeks of feeling bullied by the collections agency. I hired Scott to help me and he went above and beyond to get my case settled. I was finally able to breathe again. Scott kept me updated with all progress and was on top of everything. Thanks to Scott we were able to come to a decision I was very happy with and the case was dismissed/closed soon after! Thank you Scott for an amazing job. I would highly recommend him to everyone.
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Posted by Paul | April 14, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Highly Recommended
I would absolutely recommend Mr Bullock for any of your legal needs. I was highly satisfied with the way he handled my case and would not hesitate to use him again if need be.
Posted by linda | April 8, 2016
This review is from a person who hired this attorney.
| Hired Attorney
ATTORNEY REFERRAL - SCOTT D. BULLOCK, ESQUIRE
I was truly blessed to have Mr. Scott Bullock handle my debt/credit collection lawsuit. He handled it with professionalism and integrity. He went out of his way to response to all of my emails, phone calls or questions without delay. His research into my very unique situation and his representation of me in the courtroom were gratefully appreciated, I must also say, that Mr. Bullock is extremely honorable and fair in his attorney fees. He went far beyond his time and effort to ensure a favorable outcome. From the initial start of the case to the closure, I knew that Mr. Bullock would protect my interests and legal rights. Without hesitation, I would recommend him to anyone needing legal counsel, as well as retain him for any future issues. I truly feel that Mr. Bullock puts his clients best interests at heart and I would note him as an excellent example of attorney competence and honor.
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Posted by Paul Mantia | March 24, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Great Experience, Great Results
Scott handled my case with expertise that proved key in getting my case dismissed. Above all, he was effective in communicating the status of my case so that I was well informed.
Posted by anonymous | December 18, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Debt Collection Lawsuit Settled
I found Scott Bullock on the internet after I received a letter from the attorney of a debt collector. He told me to contact him again after I have been actually served the lawsuit. A few weeks later, I was served and I contacted Mr. Bullock again and he promptly filed an answer. In the end, he was able to negotiate a settlement for about half of the original amount. It was important for me to use an attorney that specializes in debt defense and I'm happy with the outcome.
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Posted by Dan | December 11, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Good lawyer for many legal matters
We have used Scott in the past for wills and a house closing. Most recently he represented us for a traffic offense and he did a great job having the charges downgraded to a no points ticket. Scott is very responsive and easy to work with. We would definitely recommend him as a great general attorney who can handle many different legal matters.
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Posted by anonymous | December 3, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Put Client First
Scott did a very good job understanding the situation and working for our best interest. A few college students arrested at a private home for partying and loud music at 11pm on a Saturday night. Charges were dismissed, thanks to Scott.
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Cost

Rates
  • Free Consultation 15 minutes
Payment methods
Cash, Check, Credit Card

Resume

AVVO RATING 8.6 (Excellent)

Work Experience

  • Attorney
  • Zeppone & Bullock
  • 2008 - Present

Education

  • NJ Collaborative Law Certification
  • Collaborative Law Certification
  • 2015
  • Seton Hall University School of Law
  • JD - Juris Doctor
  • 2005

Sample of Legal Cases

  • New Century v. Wood
  • Summary judgment granted in favor of defendant.

Associations

  • Hunterdon County Bar Association
  • Member
  • 2014 - Present
  • The National Association of Consumer Advocates (NACA)
  • Attorney Member
  • 2016 - 2017

Languages Spoken

  • English

Honors and Awards

  • Certificate of Appreciation
  • SAFE in Hunterdon
  • 2016
  • Top Scholar, News-Editorial Division
  • West Virginia University
  • 1999

Publications

  • Debt Collection Lawsuit "Do's and Don'ts"
  • Debt Defense
  • 2014

Speaking Engagements

  • NCS
  • Negotiating NJ Non-Compete Agreements
  • 2012

Attorney endorsements

Received (10)
Given (12)
Endorse Scott
Divorce and separation Attorney | Sep 29
Relationship: Opposing Counsel on matter
"Scott was a pleasure to work with. His persistence and patience made settlement possible in an extremely contentious matter. He is very responsive, courteous and his approach is practical. He is a strong advocate for his clients while maintaining a high level of professionalism. I look forward to working with Scott in the future."
Family Attorney | Jun 21
Relationship: Opposing Counsel on matter
"Scott and I were opposing counsel in a divorce case. Scott was great to work with, knowledgeable of the issues and pragmatic in his approach to resolving the case. We were able to resolve this case quickly and efficiently without going to court. I endorse Scott."
Family Attorney | Jun 14
Relationship: Worked together on matter
"I worked with Scott on a very difficult matter as a mediator. Scott was the consummate professional. He was very reasonable and worked with me and the other attorney to try to settle the matter while still advocating for his client and helping his client to see some of his best options. I would be thrilled to work with Scott again and I highly recommend his services as an attorney."
Criminal defense Attorney | Jan 20
Relationship: Fellow lawyer in community
"Scott brings to the practice of law an enviable balance of grit and warmth, to which he adds considerable knowledge and skills as a writer and speaker."
Speeding and traffic ticket Attorney | Jan 14
Relationship: Fellow lawyer in community
"I endorse Mr. Bullock. I have known him for a number of years and he has always been an upstanding, reliable friend and lawyer. Mr. Bullock has a knack for seeing the truth of a matter from the get-go and his passionate drive to help his clients make this a tremendous asset. I will continue to refer work to his office."
Debt settlement Attorney | Dec 20
Relationship: Fellow lawyer in community
"Scott is a well-respected, honest, results-oriented lawyer. I have recommended his services to several of my clients and will continue to do so."
Personal injury Attorney | Dec 08
Relationship: Fellow lawyer in community
"Scott Bullock is a no-nonsense, results oriented attorney who focuses on getting the best possible outcome for his client while resolving matters as expediently as possible. His experience gives him the ability to quickly assess a case's strengths and weaknesses, to evaluate that case, and to come up with an action plan that is particularly suited to that matter. He's been practicing law long enough to know that a case is about the client - not his ego. He listens to his client's concerns and advises them on the best course of action."
Debt settlement Attorney | Dec 01
Relationship: Fellow lawyer in community
"I am entirely comfortable referring people to Mr. bullock who are in need of his services. He knows how to protect and defend the rights of people being sued by debt collection lawyers."
Debt collection Attorney | Jun 19
Relationship: Fellow lawyer in community
"Scott is a capable lawyer and you won't meet a nicer guy. I refer clients to him who are having trouble with debt collectors."
Personal injury Attorney | Jun 19
Relationship: Fellow lawyer in community
"Scott is an experienced and excellent attorney. He is smart, aggressive and knowledgeable of the law. I've had the opportunity to refer him a number of cases; in each case the client was happy with the result. I wholeheartedly recommend him for personal injury matters, debt matters, and commercial matters."
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Child custody
Real estate
Personal injury
Civil rights
Criminal defense
Employment and labor
Real estate
Debt settlement
Workers compensation
Flemington Debt settlement Lawyer Scott D. Bullock
Scott D. Bullock
Debt settlement Attorney
Flemington, NJ
Licensed for 18 years
Free Consultation