PENNSYLVANIA OVERVIEW
We provide 100% free legal help to Pennsylvania consumers that have been treated unfairly by bill collectors, collection agencies or anyone else attempting to collect a debt. It makes no difference if you owe the money, you have a right to be treated fairly and with the respect that you deserve. Our team of attorneys regularly represent clients throughout PA and are well versed in the local practice throughout the State. Our lawyers have been extremely successful throughout all phases of PA litigation. Let us put our experience to work for you.
It is a simple and unfortunate fact that collection agencies and bill collectors regularly ignore the law. If you have been contacted by bill collectors, collection agencies or their lawyers there is a good chance that they have violated State and Federal Laws. If you are not sure, contact us and let us inform you of your rights. As the various state and federal laws we apply on your behalf permit an award of attorney’s fees IN ADDITION to the award of damages to you, we are able to provide 100% free legal representation. Your award will not be reduced by any amount for attorney’s fees. Let us help you turn the tables on the bill collectors, we can make them PAY YOU. It does not matter if you owe the money, they have no right to treat you unfairly.
In addition to the Federal Law that protects all Americans, Pennsylvania residents have the significant additional protection provided by state law. Unlike the Federal Law (Fair Debt Collection Practices Act), the Pennsylvania Law also protects against unfair treatment directly by creditors such as credit card companies, student loan companies, banks, hospitals or anyone else who claims that you owe money. A violation of this Pennsylvania Law (73 Pa. Stat. Ann. § 2270.1) is also a violation of the Pennsylvania Unfair Deceptive Acts or Practices Law (UDAP). Even better, while the Penn law provides similar remedies to the Federal Law it allows lawsuits to be filed for two years after the violation happens rather than the one year statute of limitations provided by the Federal Law. These laws give us even more tools to fight collectors on your behalf.
Have you been contacted by debt collectors using any of these tactics?
- multiple or harassing calls
- attempts to collect a debt you do not owe or is owed by someone else
- letters which fail to provide all required information about your rights (save all letters and contact us for details)
- discussing a debt with friends, family or anyone other than your spouse
- calls or messages on your cell phone when the caller does not state that it is an attempt to collect a debt (save all messages)
- threats to your credit or any other legal action
- use of abusive or profane language
- attempts to collect debts discharged in bankruptcy
If collection agencies or bill collectors have used any of these unfair tactics against you or anyone you know contact us today for a free evaluation of your case. We can help.