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The Dangers Of Overdraft Protection

By Louis S. Schwartz, Attorneys at Law |

While bank overdraft protections are offered to consumers as a service, they are not often the saving grace they appear to be. In many cases, overdraft protection and overdraft loans come with high fees that continue to increase the consumer’s financial woes. In some cases, consumers are not aware that the overdraft protection they… Read More »


Rule Prohibiting Mandatory Arbitration Struck Down

By Louis S. Schwartz, Attorneys at Law |

A rule proposed by the Consumer Financial Protection Bureau (CFPB) to protect consumers and make it easier for them to sue banks and other financial institutions has been struck down before it was set to take effect in 2019. The rule sought to protect consumers by prohibiting financial institutions and credit card companies from… Read More »


Payday Loans In Pennsylvania

By Louis S. Schwartz, Attorneys at Law |

Payday loans are a form of predatory lending that is offered to consumers who often have few other avenues to acquire credit. While payday loans may seem like a quick way out of a financial bind, they often mean the consumer is trapped in what may become a repayment nightmare because of the high… Read More »

Foreclosure Notice

Reverse Mortgage Foreclosure

By Louis S. Schwartz, Attorneys at Law |

For older homeowners, the idea of a reverse mortgage can sound appealing, especially if the homeowner is going through some tough financial times. A reverse mortgage is a type of home loan where the homeowner uses the equity in his home to get a loan that is distributed in monthly payments. In contrast to… Read More »


Disputing Incorrect Information With Creditors And On Credit Reports

By Louis S. Schwartz, Attorneys at Law |

Incorrect information on a credit report can have a negative impact on a person’s credit score, and therefore affect the person’s ability to get low interest loans, and even affect a person’s employment prospects in some industries. Because of this, it is important for a person who notices incorrect information on his credit report… Read More »


Can I Sue Equifax After The Data Breach?

By Louis S. Schwartz, Attorneys at Law |

News of the Equifax breach has many consumers fearing identity theft and the impact that would have on their lives. The information that was taken in the breach includes birth dates, Social Security numbers, names, addresses, and other personal identification information on millions of Americans. This is the kind of information that can easily… Read More »


Bad Faith In Denying An Insurance Claim

By Louis S. Schwartz, Attorneys at Law |

Life insurance policies are contracts between the insurance company and the insured person. Therefore, when the insured person dies, his beneficiaries are often left trying to collect the money promised under the policy from an insurance company that may be looking for technicalities in the contract to deny the claim. In some cases, the… Read More »


What Can Debt Collectors Tell Consumers About The Statute Of Limitations On The Debt Owed?

By Louis S. Schwartz, Attorneys at Law |

Consumers who owe debts to creditors often have to deal with debt collectors, some of whom may make the debt collection process quite unpleasant. However, even when a debt collector is not being abusive, or harassing the consumer, the debt collector may not always be giving the consumer the information the consumer is entitled… Read More »


How Bankruptcy May Affect Foreclosure

By Louis S. Schwartz, Attorneys at Law |

In some situations, homeowners who are struggling to pay the mortgage may also be having trouble paying off other bills. With the debt piling up, a homeowner may opt to file for bankruptcy as a way out. While this may be a way to manage other debts, filing for bankruptcy to get rid of… Read More »


The Status Of Liens After Foreclosure

By Louis S. Schwartz, Attorneys at Law |

Homeowners sometimes take multiple loans that are secured by their homes. If the homeowner fails to make payments on the original mortgage, which is also secured by the home, the mortgage holder can foreclose on the home to satisfy the homeowner’s debt. While the foreclosure sale may take care of the mortgage loan, the… Read More »

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