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Consumer Protection Law

Credit Card Debt Defense * Bankruptcy * Fair Debt Collection Practices Act * Lemon Law

Today's environment of consumer debt leaves many people vulnerable to the aggressive behaviors of debt collectors. Threatening phone calls or letters from collection companies may leave you feeling helpless. Whether it’s simply unpaid debt, or you need to consider chapter 7 or chapter 13 bankruptcy, we have experts who are in your corner. If you feel like you’re in a financial situation you can’t recover from, we can help.

Debt Defense

Many people believe they have no defenses to debt collection lawsuits if they owed even a portion of the debt being sought. There may be several defenses available to you. You have options.

Defense of debt collection actions against consumers in the Magistrate, State, and Superior Courts in Pennsylvania.

Debt buyer debt collection lawsuit defense (i.e. Midland Funding, Portfolio Recovery Associates, Asset Acceptance, Cavalry Portfolio Services, Unifund, etc.)

Original creditor debt collection lawsuit defense (i.e. American Express, Citibank, Suntrust, etc.)

Defense of debt collection lawsuits arising from credit cards, automobile repossession deficiencies, apartment leases, and other contract-related matters.

Defense of dormant judgment revival.

Defense of garnishment actions on bank accounts or wages.

Bankruptcy

 Skillful Pennsylvania attorney handles personal and business bankruptcy filings. Despite how difficult your money troubles might seem, choosing to file for bankruptcy could be the decision that leads to lasting, positive change.

Chapter 7 debt discharge

Chapter 13 court-managed repayment

Other debt relief options

Regardless of whether you’re ready to start bankruptcy now or have questions about how to move ahead, Shane Weaver Law will answer your questions and make every legal effort to secure the best result possible. 

FDCPA

Fair Debt Collection Practices Act

The filing of Federal Court lawsuits or counterclaims in Magistrate, State, and Superior Courts of Pennsylvania against debt collectors for violations of the Fair Debt Collection Practices Act (FDCPA) including:

Collection letters demanding payment for paid amounts, amounts to which they are not entitled (interest), incorrect amounts owed, false statements.

Communications: Harassing or repetitive phone calls. Phone calls before 8:00 am or after 9:00 pm. Abusive, threatening or profane language.

Disclosure of debt to third parties. There are numerous other ways that debt collectors can violate the Fair Debt Collection Practices Act.

It’s up to you to hold them accountable for their actions. Debt collectors must abide by the FDCPA regardless of whether or not you owe the debt!

Lemon Law

The Pennsylvania Lemon Law applies to new passenger vehicles purchased or leased and registered in Pennsylvania, or purchased or leased elsewhere but registered for the first time in the State. To qualify, a vehicle must be back to the shop repeatedly for the same issue or for an extended period of time for any number of issues. Under the Pennsylvania Lemon Law, consumers could be entitled to a brand-new car, a complete repurchase, or significant monetary compensation.

If you think you have a lemon law case, call us NOW!