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Category Archives: Consumer Law

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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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Robocall

Answering Some Questions About the Supreme Court’s Recent Robocall Decision

By Consumer Law PA |

Nobody likes to answer their phone only to hear an automated message on the other hand. Such “robocalls” are not just a nuisance. In most cases, they are also illegal. Federal law prohibits the use of robocalls to make unsolicited sales pitches. Unless you have previously given a business written permission to make such… Read More »

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ConsumerRights

Philadelphia Appeals Court Rejects Payday Lender’s Attempt to Hide Behind Tribal Law to Force Arbitration

By Consumer Law PA |

Payday lenders often try to sneak arbitration clauses into their loan agreements. The idea behind these clauses is simple: Strip the consumer of their legal rights by forcing them into binding arbitration, where the normal rules and protections of the judicial system do not apply. In many cases, these forced arbitrations are heard by… Read More »

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ConsumerProtec2

Why Is My State Consumer Law Case Being Heard in Federal Court?

By Consumer Law PA |

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 »

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Bank8

Can I Be Forced to Continue Paying for Home Security Services Even After Selling My House?

By Consumer Law PA |

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 »

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ConsumerP1

COVID-19 Consumer Data Protection Act Introduced

By Consumer Law PA |

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 »

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ConsRights4

Pennsylvania’s Unfair Insurance Practices Act

By Consumer Law PA |

All states have laws in place that prohibit insurers from using unfair, discriminatory, or deceptive practices in their dealings with consumers. In Pennsylvania, these protections are primarily  contained in a law known as the Unfair Insurance Practices Act. This law gives wronged consumers the right to file complaints against an insurer who is engaged… Read More »

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Rideshare

Consumer Fraud Watch: Uber Users Complain About False “Mess” Reports

By Consumer Law PA |

Have you used Uber, Lyft, or any other ridesharing service in Philadelphia? If so, then you have almost certainly agreed to their ‘Terms of Service’—those being the pages of thick legal language that most people click through without reading. Both Uber and Lyft require passengers to consent to being charged for messes that they… Read More »

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ConsumerRights

Pennsylvania’s Fair Debt Collection Laws

By Consumer Law PA |

In Pennsylvania, creditors and debt collectors are forbidden to engage in deceptive and unfair debt collection practices by the Fair Credit Extension Uniformity Act. While many creditors and debt collectors are careful to abide by these rules and respect consumers’ rights to be free of harassment, an alarming number fail to do so. Unfortunately,… Read More »

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CarRepair

Signs that Your Transmission May be Defective

By Consumer Law PA |

The transmission plays a critical role in the proper functioning of any vehicle, as it transfers the rotational power generated by the engine to the car’s wheels. This in turn, makes it possible for the gear ratio between the engine and the wheels to change as a vehicle speeds up and slows down. Although… Read More »

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