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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 […]

What can a collector do to me?

May 14, 2012

This is the number one question at my law office right now, everyone wants to know what the creditor can do to them.  I usually do not answer this question until I ask several of my own questions first.  Who is pursuing you?  That is the most important quesiton that I ask in every case.  […]

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Posted in Other

Brachfeld Law Group

April 26, 2012

Have you received a letter from Brachfeld Law Group?  We have come across a few of these recently, and we have discovered that some of their letters violate the Fair Debt Collection Practices Act. We have discovered that their initial letter to alleged debtors fails to include language that is required under 1692(g) of the FDCPA […]

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Posted in Collection Agencies, Illegal Threats

District Justice vs. Court of Common Pleas

March 21, 2012

I get asked quite often about the difference between the District Justice and the Court of Common Pleas.  The differences are many.  The most important difference is that the District Justice is an elected official.  Anyone can be a District Justice, that is, anyone who can win the election.  In most instances, District Justices ARE […]

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Posted in Other

Portfolio Recovery Associates – Who are they?

March 21, 2012

We have seen a surge in recent lawsuits being filed by Portfolio Recovery Associates.  Portfolio Recovery is a large company whose sole business is to purchase allegedly delinquent credit card accounts for pennies on the dollar and then try to collect on the full amount. The most recent data that we have seen shows that […]

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Posted in Collection Agencies, Lawsuits, Portfolio Recovery

Our New Associate

January 11, 2012

The Law Firm of Morrow and Artim, P.C. would like to announce that Attorney Matthew E. Becker has joined the firm as an Associate Attorney.  Mr. Becker’s practice will focus on Criminal Defense, Consumer Protection, and Credit Card Defense.  He believes that aggressive representation is the best way to defend his clients’ rights and money. […]

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Posted in Other

Credit Card Lawsuits – What NOT to do!

June 23, 2011

The sheriff arrives at your door with papers, or, the mailman asks you to sign for a certified letter.  Uh oh, you have just been served with a credit card lawsuit.  What do you do now?  Let’s start with what you should NOT do… with number one on the list being: ignore the lawsuit.  You […]

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Posted in Lawsuits

District Justice Lawsuits

June 16, 2011

There has been a growing trend with the collection agencies towards filing their credit card lawsuits at the local magistrate or district justice.  My belief is that this is a cost savings measure on their part.  Statistics show that approximately 85% of the people who are sued by collection agencies on credit card debt do […]

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Posted in Collection Agencies, Lawsuits, Other

Super Lawyer! Rising Star 2011

June 2, 2011

Morrow and Artim, P.C, is pleased to announce that founding partner, Gregory T. Artim, Esquire has been named to the Pennsylvania Rising Stars list as one of the top attorneys in Pennsylvania for 2011.  No more than 2.5 percent of the lawyers in the state are selected to the list. Super Lawyers, a Thompson Reuters […]

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Posted in Featured

Debt Settlement Companies and Lawsuits

April 11, 2011

In previous posts, I have advised all of you to avoid Debt Settlement Companies like the plague.  In my experience, I have found that they either are outright scams, or, they simply charge way to much for the service that they provide.  Lately, we have found a new issue with a few of these companies […]

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Posted in Lawsuits, Other

LVNV Goes Down!

April 11, 2011

Justice has finally been found for one Washington County, PA client of ours.  LVNV sued our client, Mr. G, on an old WalMart account.  LVNV was asking for approximately $4500 in damages in the lawsuit.  At the arbitration hearing, LVNV presented approximately 1 years worth of old statements.  They did not produce a signed agreement, or […]

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Posted in Lawsuits, LVNV

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.