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NEW CENTURY FINANCIAL v. OUGHLA

Docket No. A-6078-11T4, A-6370-11T1

98 A.3d 583 (2014)

437 N.J. Super. 299

NEW CENTURY FINANCIAL SERVICES, INC., Plaintiff-Respondent, v. Ahlam OUGHLA, Defendant-Appellant. MSW Capital, LLC, Plaintiff-Respondent, v. Azeem H. Zaidi, Defendant-Appellant.

Superior Court of New Jersey, Appellate Division.

Decided March 5, 2014.

Attorney(s) appearing for the Case

Philip D. Stern argued the cause for appellant (both appeals) (Philip D. Stern & Associates, LLC, attorneys; Mr. Stern, Maplewood, on the briefs).

Lawrence J. McDermott, Jr. , argued the cause for respondent (both appeals) (Pressler and Pressler, L.L.P., attorneys; Mr. McDermott, Parsippany, and Steven A. Lang , Denville, on the briefs).

John Ukegbu argued the cause for amicus curiae Northeast New Jersey Legal Services, Inc. (A-6078-11) (Northeast New Jersey Legal Services, attorneys; Mr. Ukegbu, Jersey City, on the brief).

Before Judges GRALL, SIMONELLI and ACCURSO.

The opinion of the court was delivered by

ACCURSO, J.A.D.

In these two appeals, calendared back-to-back and consolidated here, we consider the proofs necessary for plaintiffs to prevail on summary judgment in an action to collect an assigned debt on a closed and charged-off credit card account. Plaintiffs are debt buyers. Debt buyers purchase charged-off credit card debts from the card issuers or other debt buyers and attempt to collect the debts, that is...

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