Author Archives: Jay Butchko
Debt Collection Law in Pennsylvania
While many have heard of the Fair Debt Collection Practices Act, a federal law that places restrictions on debt collectors, many remain unaware of the law’s Pennsylvania counterpart. Referred to as the Fair Credit Extension Uniformity Act (FCEUA), the FCEUA imposes limits not only on creditors that collect debts for others, but also on… Read More »
Pennsylvania’s Unfair Insurance Practices Act
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 »
Your Legal Rights Following a Violation of the Fair Debt Collection Practices Act
Federal law protects consumers from being taken advantage of by unscrupulous debt collectors who use unfair or deceptive practices. Those whose rights have been violated have a couple of different options when it comes to seeking a legal remedy, so if you are being harassed by a debt collector, it is important to speak… Read More »
How the Fair Debt Collection Practices Act Protects Consumers
Although federal law protects consumers from the predatory practices of debt collection agencies and debt collectors, many are unaware of their rights. To learn more about gaining control of your own dealings with debt collectors by exercising the rights granted to you by the Fair Debt Collection Practices Act, please contact an experienced Philadelphia… Read More »
Pennsylvania’s Foreclosure Diversion Programs
In response to concerns over the fairness of the foreclosure process, many states, including Pennsylvania, have begun implementing foreclosure diversion programs that can help borrowers find ways to avoid foreclosure. To learn more about how these programs work and whether they could help with the impending foreclosure of your own property, please contact our… Read More »
The Pennsylvania Foreclosure Process
Lenders are required to follow a number of rules when foreclosing on a property. For instance, lenders must give property owners a certain amount of time to make any overdue mortgage payments before continuing with the foreclosure process. Similarly, lenders are required to send a few different notices before they can actually foreclose on… Read More »
Consumer Fraud Watch: Uber Users Complain About False “Mess” Reports
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 »
Pennsylvania Foreclosure Laws
Pennsylvania homeowners who are facing foreclosure should know that they are not without legal protection, as state law requires lenders to follow a strict process when foreclosing on a property. To learn more about these protections and how they could apply in your own case, please contact an experienced Philadelphia foreclosure defense lawyer who… Read More »
The Pennsylvania Home Improvement Consumer Protection Act
There are a number of federal laws in place that aim to protect homeowners from unscrupulous contractors. Many homeowners don’t know, however, that contractors are also prohibited from using deceptive or unfair practices in their dealings with homeowners by state law. To learn more about the legal remedies available to you under the Pennsylvania… Read More »
Foreclosure Defense
Over the last decade, millions of people in the U.S. have lost their homes due to foreclosure, which is a process in which a homeowner is required to return his or her residence to a lender after defaulting on a loan. Fortunately, it is possible for homeowners to defend themselves against foreclosure by proving… Read More »
