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Category Archives: Debt Collection Abuse

Bills

Do Utility Bills Affect Your Credit Score?

By Consumer Law PA |

The optimist appreciates the fact that your bank account balance at the end of each month is a positive number instead of a negative one, but in some cases all you have to show for your hard work and disciplined spending habits is the motivation to work just as hard next month as you… Read More »

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Scam

FTC Issues Refunds To Consumers Who Lost Money In Debt Collection Scam

By Consumer Law PA |

The debt collection industry exists on a spectrum from legal and transparent but still exploitatively expensive to downright scammy.  Most of the time, consumers find themselves screaming into the void about how unfair their debts are; at best they are met with customer service representatives who empathize with them but who cannot change the… Read More »

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Debt9

Is It A Good Idea To Use Commercial Debt Settlement Services?

By Consumer Law PA |

If you have a steady income and are trying to pay off large debts you incurred long ago, in addition to a few smaller ones that arose along the way due to unexpected financial hardships, your choices are the snowball method and the avalanche method.  In other words, you have money in your budget… Read More »

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MedicalDebt2

The No Surprises Act Gives Patients More Rights, But Medical Billing Hassles Remain

By Consumer Law PA |

The No Surprises Act, which went into effect at the beginning of 2022, has offered consumers legal protections against unfairly high medical bills by closing several loopholes in the law.  Before this year, patients could face bills for hundreds or thousands of dollars from out-of-network providers who treated them on an emergency basis.  This… Read More »

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BNPL

What Would Happen If Buy Now Pay Later Counted Toward Your Credit Score?

By Consumer Law PA |

If you are among the majority of working-aged Americans who live paycheck to paycheck, you already know that debt is a vicious cycle.  You have very limited access to credit, so you only have the money currently in your bank account to pay more bills than you can afford, so you are always getting… Read More »

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Litigation6

Court-Ordered Restitution For Young Defendants Is Yet Another Financial Burden For A Generation Drowning In Debt

By Consumer Law PA |

The Eighth Amendment to the United States Constitution prohibits cruel and unusual punishment, including excessive financial burdens imposed by the criminal justice system.  All states, including Pennsylvania, allow the courts to order convicted defendants to pay restitution, which is money that they pay to the court, and the court then pays to the crime… Read More »

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ConcernedCouple

Debt Collectors Sink To A New Low, Suing The Families Of Nursing Home Residents Over Unpaid Bills

By Consumer Law PA |

More than half of American adults owe money on medical bills, so, chances are, you have heard it all about how expensive medical bills can be and about the lengths that debt collectors go to in the name of collecting debts.  You might know people who have been sued by hospitals or doctors’ offices,… Read More »

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CreditCards2

Credit Card Debt Is A Widespread Problem, But Not An Insurmountable One

By Consumer Law PA |

Credit cards used to be a status symbol, but now, when someone says that they haven’t used a credit card in months or years, it sounds like they are bragging.  Most American adults have at least some credit card debt, and monthly credit card balances are on the rise, nationwide, along with the prices… Read More »

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DebtCollectorCall

How Long Can Creditors Keep Trying To Collect Old Debts From You?

By Consumer Law PA |

The worst kinds of collection notices are the ones that do not clearly state when you originally incurred the debt.  You should not pay those until you have verified whether you still owe the debt.  You may have heard that debts have a statute of limitations, but this does not stop creditors from continuing… Read More »

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MedicalDebt

Some Medical Debts Will No Longer Appear On Your Credit Report

By Consumer Law PA |

Although some recent developments provide reasons to be hopeful, America’s medical debt problem is not going away any time soon.  Medicaid expansions and the Affordable Care Act have meant that fewer people are uninsured; nine out of every ten adults in the United States have some form of health insurance.  The No Surprises Act… Read More »

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