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Category Archives: Consumer Law

UsedCarLot2

Do You Know Who Actually Sold You That Defective Used Car?

By Consumer Law PA |

If you have been the victim of used car fraud, you understandably want to hold the underhanded dealer legally accountable for their actions. But this is often easier said than done. For one thing, first you need to identify the party that is legally responsible. Given that automobile dealerships are generally owned by corporations… Read More »

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ConsWorkerCell

What Happens When You Sue Someone for Consumer Fraud–And They Do Not Fight Back?

By Consumer Law PA |

Consumers are often reluctant to take legal action against a business that has ripped them off, such as a home contractor, because they fear litigation will be a long and expensive process. While this is true in some cases, there are situations where the defendant business itself is in no position to contest a… 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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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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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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