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Forecl9

Can You Fight a Philadelphia Home Foreclosure?

By Consumer Law PA |

Many Americans are still dealing with unstable work conditions as the COVID-19 pandemic continues to keep many businesses closed. Not surprisingly, these people are falling behind on all their bills, including a home mortgage. It’s estimated that over 8% of homeowners fell behind in their mortgage payments during the second quarter of 2020. Banks… Read More »

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ClaimDenied

How to Pursue an Unfair Insurance Claim Denial in Philadelphia?

By Consumer Law PA |

It’s no secret that insurance companies look for ways to avoid paying out a claim to someone, especially in auto accident cases. However, sometimes their push to avoid payment crosses into unfair practices and becomes bad faith. If you believe your insurance claim was wrongfully denied, you need an experienced Philadelphia insurance claim denial… Read More »

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CreditDef

Can a Prospective Employer Use My Credit Report Against Me?

By Consumer Law PA |

Your credit report can affect more than your ability to get a loan. It can also prevent you from getting a job. Prospective employers often use credit or “consumer reports” when making hiring decisions. While this is a legal practice, employers must strictly comply with the federal Fair Credit Reporting Act (FCRA) before obtaining… Read More »

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Legal15

Pennsylvania AG Cleared to Proceed with Lawsuit Against Subprime Student Loan Servicer

By Consumer Law PA |

When a person falls behind on their student loans, they typically have two options to avoid a default. The first option is forbearance, which allows you to temporarily stop making payments. The second option is known as income-driven repayment (IDR) and involves adjusting your monthly payments. IDR is usually the more affordable option for… Read More »

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Identity

How the Fair Credit Reporting Act Can Help You In the Event of Identity Theft

By Consumer Law PA |

Identity theft can wreak havoc on your life–not to mention your credit rating. When someone uses your identity to take out a credit card or loan in your name, it can take years for you to clean up the mess. And even when lenders say they will help, they often do not follow through,… Read More »

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ConsProt3

Third Circuit Finds Rental Car Company “Jackets” Did Not Create Binding Arbitration Agreements

By Consumer Law PA |

Companies often try to trick customers into binding arbitration agreements. Arbitration is a form of private dispute resolution that typically restricts the legal rights of consumers–and thus heavily favors the business that drafted the agreement. In some cases, consumers may not even realize they have agreed to arbitration at the time they purchased a… Read More »

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ConsumerRights

What Happens to Undistributed Funds from a Consumer Class Action?

By Consumer Law PA |

Have you ever received a notice in the mail informing you that you are eligible to receive proceeds from a class action settlement? Many people simply ignore these notices and never bother to claim the money that they are entitled to by law. Which begs the question: What happens to the settlement funds that… Read More »

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Legal4

Federal Court Allows Predatory Lending Lawsuit Against Wells Fargo to Proceed

By Consumer Law PA |

Predatory lending refers to the use of fraudulent, deceptive, or other unfair tactics designed to trick low-income borrowers into taking out mortgages they cannot afford. Predatory lending is not just an individual problem. It creates widespread social disruption, as the higher foreclosure rates on predatory loans often lead to widespread decline in property value–and… Read More »

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UsedCarDealer

Pennsylvania State Police Charge 23 Members of Alleged Used Car Fraud Ring

By Consumer Law PA |

Pennsylvania requires all new and used car dealers to be licensed through the Secretary of State’s office. Licensure helps to protect consumers against unscrupulous used car dealers who engage in questionable–if not outright illegal–sales practices. If you are purchasing a used car, you should always make sure that you are working with a licensed… Read More »

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Lawyer4

Philadelphia Appeals Court Dismisses Reverse Mortgage Borrowers’ Lawsuit Against Lender Over Alleged Kickback Scheme

By Consumer Law PA |

We often hear about homeowners paying inflated fees on their mortgages. In many cases these excessive charges violate state and federal regulations designed to protect consumers. Indeed, most states require insurers to file their rates with a regulatory agency. Any insurer that charges more than the file rate can therefore be held accountable. But… Read More »

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