The M.Harvey Rephen and Associates, P.C. was founded by Mr. Harvey Rephen, Attorney at Law.

In 1995, at Pace University School of Law he was awarded his Juris Doctor (JD) degree.

After Law School, this legal advocate has spent more than fifteen years where he continues

his dedication to his passion:  being of service.

After many years of practicing immigration law,

he now devotes much of his time protecting consumers from debt collection abuse.

Keeping to a strict sense of fair justice for all, his service and representation are free to his clientele.

Rather he looks to The Fair Debt Collection Practices Act (FDCPA), which is a United States statute.

This statue was added in 1978 as Title VIII of the Consumer Credit Protection Act. 

Most people do not even know they have rights, and if those rights are being violated they are entitled to a maximum of $1,000.  

Most people aren't even aware that they can stop the debt collection agency from calling or mailing them

by simply writing a letter and telling them not to contact them.  

In his own words, "I give people peace of mind, and stop the abuse they are getting." 

"Why did I pick consumer protection? Because I provide people with guidance and help.

There is too much abuse and theft happening in the debt collection industry from

outrageous interest, abusive non stop calls, threats, and lawsuits. 

I am always available to talk to and advise my clients on all matters,whether it is my specialty or not,

and often direct them to other qualified attorneys that can help them."

Mr. Harvey Rephen is so dedicated to his conviction that all men are created equal that I, Amy R. Beller, PhD. D.A.H. the founder of Totally Wholistic, wanted to know more.  So I reached out asking for recommendations and this one stood out.

Since a picture is worth a thousand words, then paint the picture for yourself as you read this true heartfelt letter

                                                                                                                                                                        ~from Mr. Alex Vargas.

“Dear Mr. Harvey Rephen,

Where do I begin, as to my story like so many all etched in a tale of horror and despair.  How could I have ever known that life would deal me such a terrifying hand.  During my darkest moments a house of cards seemed to be more stable and protective then that what I was going through at the time.  My life spiraled so vehemently out of control.  Life was hard enough being on disability and waiting endlessly for my workman’s compensation case to be settled.  Then only to have it compounded by the relentless harassment by all the debt collectors.

Then I found you, you gave me comfort, peace of mind, and a renewed sense of hope and strength.  You made the whole process easier and took the time to explain how, where and why my rights were being abused left and right.  To date, you have settled 16 of those case.  As well as putting $16,000 in my pocket, which helped me to survive until my workman’s compensation case was resolved.  I am writing this testimonial to let the world know that we do have rights and there are heroic professionals like The M.Harvey Rephen and Associates, P.C. who do care.  They never asked me to pay for a cent of anything!  My calls were always answered or returned in a speedy fashion no matter how many times I needed to call.  Today I have a much stronger outlook on life.  To say thank you does not being to show my gratitude on what you have done for me.  I only hope that people find you and make that call to find out for themselves how rejuvenating it is to know they have rights, and there are people out there like you and your team to protect them!

Sincerely,

Alex Vargas"

Call: (212)-796-0930 for your free consultation

Click here to contact M.Harvey Rephen at:

consumeradvocate@totallywholistic.com