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Prepayment Penalties And Predatory Lending

By Louis S. Schwartz, Attorneys at Law |

Sometimes when a consumer takes out a loan to pay for a house, a car, or to pay for emergencies, it is with the plan to pay off the loan as fast as he possibly can. This may mean that the consumer plans to make several loan payments before they are due in what… Read More »


Registering On The Do Not Call Registry

By Louis S. Schwartz, Attorneys at Law |

When telemarketers are calling you at all hours of the day, you likely want to stop the calls as soon as you can. Some people try to deal with the unwanted calls by registering on the National Do Not Call Registry. Registration on the National Do Not Call Registry does not mean that all… Read More »


Mortgage Assistance Scams

By Louis S. Schwartz, Attorneys at Law |

Sometimes as homeowners try to dig themselves out of debt and avoid foreclosure, they seek the services of mortgage assistance companies or firms which advertise that they can help the homeowner. Unfortunately, as the homeowner soon discovers, these companies are out to take advantage of the homeowner and take whatever money they can before… Read More »


Lemon Laws in Pennsylvania

By Louis S. Schwartz, Attorneys at Law |

Buying a car is a major investment. Excluding housing, a person’s car is usually the most expensive property he owns. Vehicles are also costly to repair and maintain. For this reason, most people do not purchase a car without careful consideration. So what happens when you spend all your savings on a “safe and… Read More »


Federal Student Loan Changes Under The PROSPER Act

By Louis S. Schwartz, Attorneys at Law |

A bill has recently been introduced in the U.S. House of Representatives that could affect hundreds of thousands of student loan borrowers who are hoping to use the Public Service Loan Forgiveness program to pay off their loans. Under the Promoting Real Opportunity, Success and Prosperity through Education Reform (PROSPER) Act, the loan forgiveness… Read More »


Is Credit Life Insurance Necessary For The Average Consumer?

By Louis S. Schwartz, Attorneys at Law |

Getting life insurance coverage is a good financial planning move for many people. A life insurance policy can help the insured person’s family members or friends after the insured’s death. However, there is one kind of life insurance policy that consumers should be careful about; this is the credit life insurance policy. Unlike most… Read More »


Protections Under The Servicemembers Civil Relief Act

By Louis S. Schwartz, Attorneys at Law |

Serving in the military can sometimes mean that a person is unable to take care of some financial obligations, which could lead to foreclosure or other actions for repossession of collateral assets by lenders. In recognition of the extraordinary circumstances that military servicemembers face while they are on active duty that may under some… Read More »

Consumer Protection

Protections Afforded Under The Home Improvement Consumer Protection Act

By Louis S. Schwartz, Attorneys at Law |

Planning a home improvement or repair project can be stressful for the homeowner. While home do-it-yourself projects are popular and can save a homeowner some money, there are some projects that require a professional contractor. However, not all contractors work to keep the promises they make in order to secure the contract. The frustrated… Read More »


Deed In Lieu Of Foreclosure

By Louis S. Schwartz, Attorneys at Law |

There are several ways a homeowner can try to avoid foreclosure proceedings or a final judgement of foreclosure in Pennsylvania. One way that the homeowner can avoid the damaging impact of a foreclosure is through a deed in lieu of foreclosure. While this process can give the homeowner a way out of a difficult… Read More »


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 »

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