Credit Card Lawsuit

PA Judgment Laws

We get many calls about judgments and Statute of Limitations in Pennsylvania.  Most people say “the judgment is over 4 years old, so why are they still trying to collect?”   The error there is the mixed combination of legal theories.   A statute of limitations applies to the amount of time that a creditor…

Auto Fraud

12 ways to Defeat an “As-Is” Clause

Many used cars are sold “As-Is.”  We explain more about what “As-Is” means here:  https://consumerlaw365.com/lemon-law/auto-fraud/as-is-used-car/  For the most part, it is a dealership’s number one way to try to avoid liability for a bad car sale.  When consumers call the dealership after buy a defective car, the dealership will often say, “Sorry, you bought the…

Auto Fraud

Is My Car A Lemon?

Pennsylvania law provides a lot of protections for people who buy new and used cars.  We provide more specific information in our Lemon Law and Auto Fraud page, but here we wanted to provide a quick reference guide to determine whether you have a Lemon.  Is your vehicle new or used? If it is used,…

Student Loans

ITT Tech Problems

As you may have heard, ITT Technical Institute recently closed its doors, leaving thousands of students nationwide stuck in “no man’s land”.  The closing occurred because the Department of Education ruled that ITT could not accept any new students who used federal loan funding.  The Department of Ed also required ITT to set aside almost…

Auto Fraud

Predatory Auto Loans

A few years ago the American economy was shocked when the residential mortgage market went belly up and people start losing their homes.  Movies have been made, lectures have been held, and a lot has been written on how the mortgage crisis developed over years and the story is a really complicated one.  We have…

Credit Reporting

Credit Report Problems

Everyone has credit report problems.  It can be an incorrect entry, an account that you paid off that’s mis-marked, an incorrect amount, an incorrect delinquency, or a host of other things.   Fortunately, you have protection under the Fair Credit Reporting Act (FCRA).  The FCRA is a powerful federal law that governs all credit reporting…

Credit Reporting

Background Reports and the Fair Credit Reporting Act

FCRA Applies to Background Reports by Potential Employers The Fair Credit Reporting Act (FCRA) is a federal law that applies to credit reports.  The FCRA was enacted to protect the accuracy and privacy of consumer information in consumer credit reporting agency files.  The definition of “credit report” includes what is commonly known as an employee…