Sued by Portfolio Recovery Associates?
Junk Debt Buyers

Sued by Portfolio Recovery Associates?

If you’ve been sued by Portfolio Recovery Associates (PRA), then you need to do something, right now.  Since you’re here, you obviously are at least attempting to do some research, which is a good thing.  The next step is to consult with and then hire a consumer attorney.  Please don’t make the mistake of handling a…

Credit Card Lawsuit

Should I Pay This Judgment?

Years ago, you were sued.  You lost, either because you didn’t properly defend yourself and allowed a default judgment to be entered, or, because you didn’t hire an attorney.  Now years later the collector is trying to enforce the judgment and is demanding that you pay.  Or, you’re trying to buy a new home and…

Credit Card Lawsuit

Please Hire an Attorney

Well, for the 5th time in the last 7 days I’ve had a new client inquiry where the individual has been representing themselves in a credit card lawsuit.  The common scenario is this…Debt buyer sues person.  Person goes on internet and googles what to do.  Google tells them to file an “answer” so they do…

Credit Card Lawsuit

How to Respond to a Credit Card Lawsuit

Responding to a Credit Card Lawsuit When a lawsuit is filed in the Court of Common Pleas you as the defendant have 20 days to get a written response filed with the court.  The initial written response to the lawsuit is crucial, so please heed the following advice.  There are generally two choices when responding:…

Credit Card Lawsuit

Why Do Some Attorneys Offer Free Consultations?

At our office, for most consumer claims we offer a free initial consultation (we do charge for federal student loan consultations).  We do this as a courtesy to our potential clients.  As a consumer law firm, we are most often dealing with a consumer who is being harassed by a debt collection agency ( or…

Auto Fraud

New Federal Law for Used Cars

The Federal Trade Commission (FTC) has laws regarding the sale of used cars.  Most people are familiar with these laws, but don’t realize they are federal regulations.  The FTC provides federal regulations for a dealership’s ability to sell a vehicle “As-Is.”  If you have seen the “As-Is” sign on the window of a used car,…

Credit Card Lawsuit

Should I Pay This Debt?

We get calls every day asking us to negotiate debt.  For some people, paying debt is a good idea.  For others, its not such a good idea.   Most people do not realize the nature of debt.  The typical phone call goes like this…”Attorney Artim, I have a debt with Chase that I’d like to…

Credit Card Lawsuit

Writ of Execution – What does it mean?

We’ve had lots of calls over the last few weeks asking about a Writ of Execution.  Can I hire you?  Why didn’t they give me notice?  What can be done?   These are some of the frequent questions that we get regarding Writs of Execution. What is a Writ of Execution?  A Writ of Execution…

Credit Card Lawsuit

District Justice Judgments

We’ve had a number of calls over the last few weeks from people who think they are being sued with a new lawsuit.  As the consultation goes on, the client inevitably says “I was sued for this claim years ago”.  At that point, we need to take a look at the docket and at the…

Credit Reporting

Your Rights under the Fair Credit Reporting Act (FCRA)

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a…

Credit Reporting

1099C from a Debt Collector

The IRS requires any entity discharging a debt to file an “information return” on a Form 1099-C with the IRS. See Treas. Reg. § 1.6050P-1(a). Debt collectors or creditors will sometimes mail a form 1099-C to a consumer when debt is settled, discharged, or is no longer collectable. The most relevant requirements for our typical…

Credit Card Lawsuit

Deposition in Aid of Execution

What in the world is a Deposition in Aid of Execution?  Why am I receiving this?  Did I get sued?   These are the hot questions of the day.  We receive at least one of these calls every day at our office and sometimes its up to 6-7 calls per day.  If you’ve received a notice…

Credit Card Lawsuit | Student Loans

PA Debt Collection Laws

For today’s blog post I want to talk about some general collection issues and terms that we get asked about quite often.   Let’s start with the Statute of Limitations.   The Statute of Limitations (SOL) for credit card debt in Pennsylvania is 4 years (3 years on some cases).   Well, 4 years from when, exactly?   The…

Auto Fraud

Damage to Vehicle by a Repair Shop

Generally speaking, we handle used car cases when an individual buys a used car only to find out after the sale that the car is suffering from a serious defect.  However, there are more potential causes of action that can arise from used cars than those that arise at the time of sale.  For example,…

Credit Card Lawsuit

Debt Collection Defense Attorneys

The bulk of our caseload at Artim Law is defending individuals who are sued by collection agencies.  We see lawsuits from Cavalry, LVNV Funding, Midland Funding and Portfolio Recovery Associates every day.  These guys are the large debt buyers and it appears that they’ve swallowed all of the smaller debt buyers.  Every now and again,…

Auto Fraud

Bad Language in Car Contracts

Sadly, we lost a case the other week in Fayette County, Pennsylvania.  Here are the basic facts:  Our client purchased a used car from a local dealership that is known to sell questionable vehicles.  The next day, the car started exhibiting engine issues.  The dealership attempted a repair.  However, when she got the car back,…

Auto Fraud

Getting a Refund from a Car Dealership

We receive calls almost daily from individuals who bought used cars that turned out to be crap.  Usually, the potential clients tell us one of two scenarios:  1.  He/she attempted to get a refund, but the dealership said, “No.”  2.  He/she attempted to get a refund, and the dealership is trying to work with them,…

Auto Fraud

Beating an Arbitration Clause

Along with lemon law cases and suing car dealerships for bad used cars, we represent clients who have lost their cars to repossession when they failed to pay their financing contracts. Pennsylvania law provides specific guidelines that banks have to follow when repossessing vehicles.  Sometimes, we are able to sue the bank for an improper…