Author Archives: Jay Butchko
Debt Collectors Are Allowed to Contact You on Social Media, but They Must Follow the Rules
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 »
At What Point in the Foreclosure Process Can the Mortgage Lender Enter Your Home?
To you, your house is home, the place where you have cooked holiday meals and where your children have lived since they came home from the hospital as newborns. To the bank that issued your mortgage loan, though, your house is collateral. The real asset is the money they get from you when you… Read More »
So, Creditors Are Threatening to Garnish Your Bank Account?
“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 »
A Debt Collection Abuse Lawyer Can Help Spare You the Humiliation of Debtors’ Examinations
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 »
Will Requesting a Mortgage Forbearance Make Things Better or Worse?
Things are looking more hopeful with regard to the COVID-19 pandemic than they have since the fall. The rate of positive tests and new infections has been on the decline in Pennsylvania for well over a month, and healthcare workers are not the only people who have received at least one dose of a… Read More »
Choosing the Right Philadelphia Consumer Rights Attorney
When people think about hiring an attorney, they are usually looking for a personal injury attorney after a car accident or a family law attorney after a divorce. Not many people have heard of a consumer rights attorney or understand their rights under consumer protection laws. You may suddenly learn about consumer protection remedies… Read More »
Essential Questions to Ask When Hiring a Philadelphia Foreclosure Defense Attorney
Choosing a Philadelphia foreclosure defense attorney requires careful consideration. You want to verify you hire the right attorney for your particular situation. One of the best ways to narrow down finding the right attorney for your case is to come prepared with a list of questions. You also want to watch for scams. Countless… Read More »
What is Pennsylvania’s Automobile Lemon Law?
Pennsylvania has its own Automobile Lemon Law that applies to certain types of vehicles in the state. The lemon law’s premise is to protect consumers from purchasing or leasing a defective car. This law only applies to personal, household, or family vehicles, not commercial ones, motor homes, off-road vehicles, or motorcycles. If you purchase… Read More »
Avoiding Consumer Scams During the Pandemic
Not surprisingly, scammers use the COVID-19 pandemic to find new and innovative ways to thieve money from unsuspecting consumers. It’s important to learn what some of the popular scams are and avoid being taken advantage of by these people. If you believe you’re the victim of a consumer scam, contact a Philadelphia consumer attorney… Read More »
Does a Debt Collector Have to Give Me an Itemized Bill?
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 »
