Author Archives: Jay Butchko
Why Is My State Consumer Law Case Being Heard in Federal Court?
Here in Pennsylvania, there are a number of state laws that enable consumers to seek damages against businesses that defraud them. But just because state law provides the basis for a claim, that does not necessarily mean your case will be heard in a Pennsylvania state court. In many cases, the business that you… Read More »
Can I Be Forced to Continue Paying for Home Security Services Even After Selling My House?
Federal and state debt collection laws prohibit a creditor from making false or misleading statements in connection with a consumer debt. This includes making any statements that suggest a consumer owes a debt that is not permitted by state law. However, if the customer previously signed a contract agreeing to pay a particular debt,… Read More »
Forbearance and Foreclosure Moratorium Under the CARES Act
Last month, Congress enacted the Coronavirus Aid, Relief, and Economic Security (CARES) Act, in an attempt to help homeowners by providing certain protections to those with qualifying loans. For help determining whether you are eligible for relief under the terms of the new law, please contact our experienced Philadelphia foreclosure defense attorneys today. Federally-Backed… Read More »
Filing a Property Loss Claim
Even those who are fully prepared for a crisis or major disaster could find themselves facing an insurer who unfairly refuses to accept their claim. In these cases, property owners may want to consider consulting an experienced Philadelphia property loss claim denial lawyer who can help protect their legal interests. Preparatory Steps Before a… Read More »
Common Predatory Lending Practices
Predatory loans come in a number of different forms, but all have the potential to trap consumers in debilitating debt. Fortunately, consumers are protected from unfair, misleading, or deceptive lending practices, so if you were recently taken advantage of by an unscrupulous lender, it is important to contact an experienced Philadelphia predatory lending lawyer… Read More »
Debt Collectors Target Consumers During the COVID-19 Pandemic
As we all struggle to adapt to the changes wrought by the COVID-19 emergency, many consumers have also found themselves to be the targets of renewed efforts by debt collection agencies. Although a number of states have taken steps to protect consumers from harassment during this stressful time, Pennsylvania has yet to do so…. Read More »
COVID-19 Consumer Data Protection Act Introduced
Two new privacy bills were introduced in Congress in an effort to help protect personal data collected by businesses during the COVID-19 emergency. Although the bills, one of which was introduced by Senate Democrats and the other submitted by Senate Republicans, have a number of key differences, they both share one major similarity, namely… Read More »
COVID-19 Property Loss Claims
Individuals who suffer property loss could be entitled to compensation if they have the appropriate insurance policies. Most of us may imagine that this situation only arises in cases where a person’s home, business, or vehicle sustains physical damage as a result of fire, flood, natural disaster, or someone else’s criminal activity. However, in… Read More »
Forbearance Rights for Tenants During the COVID-19 Emergency
Earlier this year, Congress passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act, which provides foreclosure and eviction relief to homeowners and tenants across the country. While this law does apply to those who own single-family residences whose properties were purchased with a federally backed loan, it’s also important to note that the… Read More »
How Long Does the Foreclosure Process Take?
In Pennsylvania, the foreclosure process can take anywhere from a few months to more than a year, depending on the circumstances of the case. Fortunately, this means that homeowners often have time to raise a defense against unscrupulous lenders who are unfairly foreclosing on their properties. To learn more about your own legal rights… Read More »
