Q.    Today I received a letter from a collection lawyer by the name of Joel Miskin informing me that his client, a credit card company, had obtained a Judgment against me and that I owed $3,300 and that interest was being added to this amount at the rate of 30% per year and that I should contact a collector at MJR to negotiate a settlement.  What should I do?

A.    If (1) you are not represented by a lawyer or an agent, and (2) you have received any letters from collection lawyer Joel Miskin, prior to November 15, 2010, demanding payment of monies from you, I would invite you to (i) call my office toll free at 1 (866) 996-9941 for a free initial 10-minute telephone consultation, and I would invite you (ii) to fax to my office copies of any letters you have received from Mr. Miskin,  especially ones demanding payment from you which are more than three pages in length.