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Author Archives: Jay Butchko

HouseFinance

Beware Of Risky Home Financing Alternatives

By Consumer Law PA |

Numerous celebrities who began life as members of the 99 percent have remarked that, when they were living paycheck to paycheck, it took years of effort and strategizing to qualify for a loan to buy something they wanted or needed, but once they were rich, banks went out of their way to lend them… Read More »

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MedDebt

What To Do If You Get A Fraudulent Medical Bill

By Consumer Law PA |

Unaffordable medical bills are a major source of financial stress, collection agency harassment, and bankruptcy filings.  Medical bills that you cannot afford, even though you knew for a long time that you needed treatment and tried to budget for it, are bad enough, but it only adds insult to injury if the bill comes… Read More »

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UsedCarSales

Warning Signs Of Shady Dealing At The Used Car Dealership

By Consumer Law PA |

During times when people are already in the mood to celebrate by spending money on themselves, such as after surviving Thanksgiving with their in-laws and before it is time to start buying Christmas presents for children, used car dealerships like to put up the flashy decorations and lure people in.  Behind the twinkling lights… Read More »

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Legal14

The Age Of Social Media Debt Collections Is Here

By Consumer Law PA |

The thrill of socializing on the Internet has always been marred by unpleasant social interactions.  For all the camaraderie offered by text-only bulletin board systems of the 1980s that tied up the phone lies by being accessible only through dial-up connections, there were always a few abrasive characters among the amiably like-minded geeks.  Millennials… Read More »

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Legal5

Public Benefits Cannot Tell Your Creditors To Get Lost, But A Consumer Law Attorney Can

By Consumer Law PA |

The economic disruptions of the COVID-19 pandemic pushed hundreds of thousands of Americans to apply for public benefits such as rental assistance, unemployment benefits, and the Supplemental Nutrition Assistance Program (SNAP).  Many of these applicants had never applied for any kind of government assistance before, and they quickly learned what people who had received… Read More »

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CreditCards

Can Credit Card Companies Hold You Responsible For Credit Card Transactions You Didn’t Authorize?

By Consumer Law PA |

When you live paycheck to paycheck and struggle with debt, as most of us do, you probably experience mixed emotions when your bank statements or credit card billing statements arrive or when you view transactions on your bank account.  On the one hand, just looking at how little money you have left for the… Read More »

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BuyNowPayLater

What Could Go Wrong With Buy Now Pay Later Services?

By Consumer Law PA |

Several decades ago, an affordable Swedish brand became all the rage in America.  IKEA furniture costs a fraction of what most furniture retailers charge, and the shopping experience was unbeatable, from the trendy blue color scheme to the Swedish meatballs and non-alcoholic champagne.  The feeling of euphoria would always dissipate, however, once you got… Read More »

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DebtFree

Keeping Your Debt Repayment New Year’s Resolutions

By Consumer Law PA |

2021 has been a year of feast or famine, where evidence that things were getting better alternated with the all too familiar feelings of impending doom.  Debt and your constant strategizing to repay it were parts of your life even before the COVID-19 pandemic.  During times when there was no place to go and… Read More »

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Legal30

Beware Of Predatory Loans In Pennsylvania

By Consumer Law PA |

New financial goals are among the most popular types of New Year’s resolutions.  Whether your finances changed for the worse or for the better in 2021, your financial goals in 2022 may involve taking out some kind of loan.  Perhaps you filed for bankruptcy last year and are trying to rebuild your credit, so… Read More »

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BankCouple

Avoiding Debt Traps With Buy Now, Pay Later Services

By Consumer Law PA |

Financial experts agree that budgeting is more useful for diagnosing debt problems than for paying off debts more quickly; even if you pare your food budget down to instant ramen noodles for dinner and peanut butter sandwiches for lunch, it takes a major effort to have more money available for debt repayment.  An entire… Read More »

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