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Category Archives: Debt Collection Abuse

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The PSLF Program In Its Current State Is A Mess, But A Consumer Law Attorney Can Help

By Consumer Law PA |

Student loan debt has been a national crisis for years, and millions of borrowers have hinged their hopes on the Biden administration’s promises to make student loan forgiveness more accessible to former students struggling to repay the federal loans they took out to fund their education.  Promises to forgive a certain amount for all… Read More »

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Beware Of Parent PLUS Loans

By Consumer Law PA |

Saving money to fund your children’s college education is a dream for many parents, but as the cost of university tuition has skyrocketed since today’s parents were in college, that dream has become unattainable.  You may have put checks that you received as wedding gifts or enclosed in cards attached to the crocheted blankets… Read More »

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Public Universities In Pennsylvania Will No Longer Refer Unpaid Student Fees To Collection Agencies

By Consumer Law PA |

Even if you have scholarships and grants, even if you hold paid employment every semester that you are in college, and even if your parents have lived below their means for your entire life in order to build a college fund for you, higher education has a way of hitting Generation X and everyone… Read More »

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Debt

The Personal Representative’s Guide To Debts Owed By The Estate Of A Recently Deceased Person

By Consumer Law PA |

Grieving the loss of a family member is hard enough, but settling the financial affairs of a recently deceased relative comes with its own set of hassles.  The relatives of people who were averse to decluttering often dread going through the possessions of a deceased family member and making the agonizing decision about which… Read More »

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When Are You Obligated To Pay A Family Member’s Credit Card Debt?

By Consumer Law PA |

Spending beyond one’s means is a frequent source of conflict between family members, but most of the time, the conflict is not really about the credit card bills themselves.  Most of the people who are angry or worried about a family member’s credit card debt are not themselves legally responsible for paying back the… Read More »

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DebtDefense

Are Debt Collectors’ Threats About Sending You To Jail Credible?

By Consumer Law PA |

Even though there are rules against harassment by creditors, collection agencies and debt collectors still often play on people’s fears in an effort to get them to make payments on debts, even if the borrowers’ budgets are already stretched so thin that they can only afford the barest necessities.  Sometimes they make it sound… Read More »

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Debt Collectors Are Allowed to Contact You on Social Media, but They Must Follow the Rules

By Consumer Law PA |

Even before 2020, there were plenty of ways social media could ruin your day, from the humblebrags of your acquaintances and the way everyone except you seems to look ageless and flawless in their pictures to the out-of-the-blue messages from old high school classmates that are thinly veiled multi level marketing sales pitches and… Read More »

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BankFile

So, Creditors Are Threatening to Garnish Your Bank Account?

By Consumer Law PA |

“Attachment” is a perfectly harmless word, except in certain contexts.  You try to show your spouse that you care about them, and your spouse responds by telling you that you have an insecure attachment style.  Your mother accidentally downloaded a virus onto her computer because you were one second too late saying, “Don’t click… Read More »

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A Debt Collection Abuse Lawyer Can Help Spare You the Humiliation of Debtors’ Examinations

By Consumer Law PA |

There are probably a lot of things you miss about being a kid, such as not having any financial responsibilities and having an unlimited capacity for junk food, but you probably don’t miss your parents butting into your business and auditing your personal belongings if they suspected you of lying.  It was humiliating when… Read More »

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BankCouple

Does a Debt Collector Have to Give Me an Itemized Bill?

By Consumer Law PA |

The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect you from unethical and unscrupulous conduct by companies hired to act as debt collectors. A key provision of the FDCPA specifically forbids debt collectors from making “any false, deceptive, or misleading representation” in connection with a debt. For example, a… Read More »

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