09th October 2009
Collection agency threats are about as common as oxygen being in the air. To begin, they legally cannot “threaten” to do anything that is illegal, and they cannot “threaten” to take an action that they do not intend to actually take.
The bigge...
04th March 2009
So, the collection agency is calling you about an old debt. They want you to pay it, and they want you to pay it right now. Threats may come: “We’ll put a judgment against you” or “We’ll garnish your wages and bank account” are two of the mo...
04th March 2009
Drowning in debt? Don’t know where to turn? How about calling one of those debt settlement companies that you hear on the radio or see on TV?
In theory, their pitch sounds pretty good. Hire us and we will get all of your creditors to reduce the ...
03rd March 2009
This topic has been coming up for me quite a bit at my office lately. I speak with a number of people each day who have enrolled in a Debt Management program and are not happy with the results.
The first thing that strikes me is the cost of these prog...
13th December 2008
As you may know, there is a federal law that governs the types of actions or conduct a collection agency may take part in during the collection of a debt. The law is known as the Fair Debt Collection Practices Act (FDCPA) and it sets forth both protectio...
13th December 2008
As we all know, the country is in the midst of an economic crisis. Delinquencies on credit card accounts are at an all time high. Many of these delinquent accounts are being sold to unsavory debt collection agencies who have purchased the debt for penni...
11th December 2008
Take the Pennsylvania Lemon Law Test to see if you are driving a lemon. In PA, if you are driving a lemon, the Lemon Law sets forth that you are entitled to a full refund of the purchase price or a free replacement vehicle.
1. Does your vehicle exhib...
22nd November 2008
Can my wages be garnished? That may be the number one question that I receive at my office from individuals who are facing a credit card or debt collection lawsuit.
In Pennsylvania, the answer is no, with conditions. Pennsylvania is one of only fou...
12th November 2008
Credit Card collection lawsuits are on the rise across the country. We especially notice the increase in claims here in Pennsylvania based upon the volume of phone calls and emails that I receive on this topic.
One of the biggest questions that I re...
11th November 2008
Credit Card collection lawsuits are rapidly increasing in Pennsylvania, especially with the down economy. The volume of phone calls and emails that I receive on this topic is astounding. What I have discovered is that many people do not know their right...
11th November 2008
This is a common question at my law firm. A potential client calls and says that they have defaulted on a credit card account. After I explain what their options are, they inevitably ask “Can’t I just send them $10 per month? If I do that, then they...
15th August 2008
Auto accidents occur in Pennsylvania every day at an alarming rate. They are difficult to deal with because of their commotion, excitement and disbelief. The following are a few tips to help deal with the immediate aftermath of the automobile accident.
...
15th August 2008
I practice law in Pennsylvania with a concentration on Lemon Law and Breach of Warranty issues for vehicles. Many of my potential clients express concern to me over whether to proceed with a Lemon Law claim because they have relationships with the sellin...
24th July 2008
Credit Card collection lawsuits are rapidly increasing in Pennsylvania. The volume of phone calls and emails that I receive on this topic is astounding. What I have discovered is that many people do not know their rights or how to handle these situation...
24th July 2008
In my daily practice of law I handle anywhere from 5 to 20 phone calls or emails regarding the Pennsylvania Lemon Law and its application to specific vehicles. I have been amazed at the lack of knowledge out there with the general public, so I am hopeful...
