Featured Stories
Sued by LVNV Funding Statute of Limitations for Credit Cards Can I strike a Default Judgment? Go It Alone?  Bad Move on a Credit Card Lawsuit Telephone Communication Protection Act (TCPA)
 

Sued by LVNV Funding – Who Are They?

The Sheriff knocks at your door or you receive a certified letter and find that a lawsuit has been filed against you by LVNV Funding.  Your first thought should be… who is LVNV, I’ve never heard of them? LVNV Funding is a junk debt buyer.  They are a subsidiary of a very large debt collection/buyer […]

Statute of Limitations for Credit Cards

What is the Statute of Limitations for Credit Cards in Pennsylvania?  We get calls asking this question every day.  In most instances, the statute of limitations on a collection claim in PA is 4 years.  There are a few exceptions, namely for Discover and Capital One accounts, which may be only 3 years.  Discover and […]

Can I strike a Default Judgment?

We seem to get 3-4 phone calls per day asking what to do about a judgment.  In most cases, the only option is to settle.  You cannot raise “statute of limitations” defenses, or say that “it was my ex-wife’s debt”.  Those are affirmative defenses that needed to be raised BEFORE the default judgment was entered. […]

Go It Alone? Bad Move on a Credit Card Lawsuit

I had a conversation with a gentleman yesterday that I have had numerous times with other potential clients.  The caller asks for a case review, which we are always glad to offer.  He was being sued by Portfolio Recovery Associates for about $7000, which is alot of money.  I discussed the claim in detail, explaining […]

Telephone Communication Protection Act (TCPA)

In 1991, the United States Congress passed the Telephone Consumer Protection Act (“TCPA”).  The primary goal of the TCPA is to protect individuals from harassing telemarketing phone calls.  More specifically, the TCPA is designed to prevent the annoying pre-recorded calls that you receive from unknown numbers at all hours of the day.  Common pre-recorded messages […]

Credit Card Lawsuit Defense Tips

May 7, 2014

Large quantities of credit card lawsuits continue to be filed on a daily basis.  Credit card lawsuits can be defended quite successfully, especially when the debt has been sold to a debt buyer.  Rule number 1:  Do not ignore the lawsuit.  This happens with such great frequency that it is mind boggling.  People often put […]

Read the full story

Posted in Lawsuits

National Collegiate Student Loan Trust

February 12, 2014

We’ve seen a tremendous influx of filings by National Collegiate Student Loan Trust across Pennsylvania.  National Collegiate Trust (NCT) is a company that buys delinquent private student loan accounts and then tries to collect on those accounts.  We have handled dozens of these cases over the last few months.  They are similar to the defense […]

Read the full story

Posted in Other

What is a Writ of Execution?

October 10, 2013

A Writ of Execution is bad news.  This means that you were sued, that you lost, and that you didn’t voluntarily pay the judgment.  The creditor is taking steps to get the money that it is owed.  A Writ of Execution may allow the creditor to garnish a bank account, levy on personal property, or […]

Read the full story

Posted in Other

Can a Collection Agency Garnish Wages?

June 1, 2013

We often have clients calling us who are scared out of their minds… “the collection agency said that they were going to garnish my wages if I don’t pay them $1000 right now”.  Please don’t fall for this scare tactic.  Despite their threats to do so, a collection agency cannot garnish wages in Pennsylvania.  Wages […]

Read the full story

Posted in Collection Agencies, Garnishment, Illegal Threats

Judgments – What do I do now?

May 29, 2013

We receive a few phone calls each day from someone who has allowed a judgment to be entered against them.  What do I do now? is the question that is most often asked.  Well, it depends upon your timing.  If the judgment was just entered, then you might be able to file an appeal.  Generally, […]

Read the full story

Posted in Lawsuits

Credit Card Lawsuits – DO NOT Represent Yourself

January 30, 2013

It is amazing to me how many people choose to represent themselves in credit card lawsuits.  I imagine the scenario is this:  get served with a lawsuit, browse google for a few minutes to see how to defend a case, end up in a debtor’s internet chat room, take advice from a McDonald’s employee who […]

Read the full story

Posted in Lawsuits

Equable Ascent

January 30, 2013

We’ve come across a new debt buyer by the name of Equable Ascent.  They have been buying a large amount of defaulted accounts recently as we have noticed their name on the court docket many times recently.  We’ve had several cases with them over the last few months and we’ve noticed that they have been […]

Read the full story

Posted in Collection Agencies

Discover Bank beat down!

January 30, 2013

We just had a tremendous victory against Discover Bank.  Discover had sued our client in small claims court.  They were not overly prepared and we won convincingly. Discover filed an appeal and immediately commenced discovery.  (Discovery is the process of asking for information about a case, it is very time intensive and detailed).  After answering […]

Read the full story

Posted in Lawsuits

Checking Account Garnishment

July 9, 2012

Can my checking account be garnished?  Huge topic at our office right now. The answer is a big MAYBE. It really depends upon the circumstances. First off, let’s explain that a checking account garnishment cannot occur in any circumstance until the creditor obtains a judgment against you (there are limited exceptions, but for purposes of […]

Read the full story

Posted in Garnishment, Lawsuits

Property Tax Appeals Allegheny County

May 21, 2012

Until recently, 2002 was the last time county officials performed a Property Tax Assessment on property in Allegheny County, Pennsylvania.  For years people speculated about when a new assessment would take place.  In December of 2011, it finally did, and when the new numbers came out, a lot of people’s property taxes shot through the […]

Read the full story

Posted in Other

Credit Card Lawsuits

If you are faced with a credit card lawsuit, whether its an original creditor or a junk debt buyer, contact my office at 412-823-8003 right away. We offer a free, no obligation review of any credit card based lawsuit that is filed in PA.

FDCPA Attorneys

Many Debt Collectors threaten people, that's a fact. Threats of wage garnishment, jail, fraud charges and contacting employers, friends and relatives happens every day to people just like you. The truth is that most of these threats are illegal. If a debt collector is threatening you, contact our office at 412-823-8003 for a free initial consultation.
Optimization WordPress Plugins & Solutions by W3 EDGE