Philip D Stern

When I received a summons to appear in Special Civil Court in Union County, New Jersey for a debt I thought had gone away, I desperately was looking for an attorney that knew what he was talking about. I felt as if it was too late for them to sue me because the credit card agreement says it was base...d on Delaware law (with a statute of limitations of 3 years). Lawyer after lawyer advised me that the status of limitations was 6 years because I lived in New Jersey although I read the agreement differently. Some told me that maybe I was right, but likely wrong. After receiving a free, very detailed public response on a law website from Philip D Stern, I was confident he knew what he was talking about. For the entire time of my nightmare, Attorney Stern took the time to explain to me, in minute details as to why CACH (through their attorney the Law Firm Allan C. Smith) was unable to sue me for this debt based on the credit card agreement I had with Bank of America/MBNA and what other attorney’s responses would be. I, by nature, am a nervous person. Philip D Stern made me feel confident in victory. His response to the lawsuit was large and detailed, using other Judge’s decisions as examples to provide insight as to why the case should be dismissed. When needed, he attended court and verbally argued our side and won. He charged me a flat fee which also took away the concern of how much will this cost if it drags on. Each and every time I spoke with him about the case, I felt more confident that not only did he know what he was doing, I felt as if he loved to do it and did it not for the money, but for the challenge and to help people. He is one in a million. His efforts saved me from a $14,500 debt for which other attorneys that I spoke to didn’t have the confidence or knowledge at the level Philip D Stern did to win this case. This man saved me from a life of ruin based on debt for which I should not have sued for in the first place. Shame on CACH for doing this to people and thank the Lord for bringing Philip D Stern, to me.

Mr. Stern is one of the rare people who clearly enjoys educating others about the intricate nature of the legal system. He has given me so much information, that I'm considering following in his footsteps within my own talents of course. He is honest, generous, professional and as well as compassio...nate and straight forward. He's a good listener. He's a counselor with character. That's so difficult for most people to notice in counselors these days so I'm told. He helped us even though we could not afford to hire him. I have passed his name onto family, friends, and acquaintances.