http://www.financealley.com en-us editorial@financealley.com As you may know, there is a federal law that governs the types of actions or conduct a collection agency may take part in during the collection of a debt. The law is known as the Fair Debt Collection Practices Act (FDCPA) and it sets forth both protectio... http://www.financealley.com/article_718132_18.html 13th December 2008 As we all know, the country is in the midst of an economic crisis. Delinquencies on credit card accounts are at an all time high. Many of these delinquent accounts are being sold to unsavory debt collection agencies who have purchased the debt for penni... http://www.financealley.com/article_718131_18.html 13th December 2008 Take the Pennsylvania Lemon Law Test to see if you are driving a lemon. In PA, if you are driving a lemon, the Lemon Law sets forth that you are entitled to a full refund of the purchase price or a free replacement vehicle. 1. Does your vehicle exhib... http://www.financealley.com/article_716901_18.html 11th December 2008 Can my wages be garnished? That may be the number one question that I receive at my office from individuals who are facing a credit card or debt collection lawsuit. In Pennsylvania, the answer is no, with conditions. Pennsylvania is one of only fou... http://www.financealley.com/article_691288_18.html 22nd November 2008 Credit Card collection lawsuits are on the rise across the country. We especially notice the increase in claims here in Pennsylvania based upon the volume of phone calls and emails that I receive on this topic. One of the biggest questions that I re... http://www.financealley.com/article_686490_18.html 12th November 2008 Credit Card collection lawsuits are rapidly increasing in Pennsylvania, especially with the down economy. The volume of phone calls and emails that I receive on this topic is astounding. What I have discovered is that many people do not know their right... http://www.financealley.com/article_685522_18.html 11th November 2008 This is a common question at my law firm. A potential client calls and says that they have defaulted on a credit card account. After I explain what their options are, they inevitably ask “Can’t I just send them $10 per month? If I do that, then they... http://www.financealley.com/article_685513_18.html 11th November 2008 Auto accidents occur in Pennsylvania every day at an alarming rate. They are difficult to deal with because of their commotion, excitement and disbelief. The following are a few tips to help deal with the immediate aftermath of the automobile accident. ... http://www.financealley.com/article_599723_18.html 15th August 2008 I practice law in Pennsylvania with a concentration on Lemon Law and Breach of Warranty issues for vehicles. Many of my potential clients express concern to me over whether to proceed with a Lemon Law claim because they have relationships with the sellin... http://www.financealley.com/article_599658_18.html 15th August 2008 Credit Card collection lawsuits are rapidly increasing in Pennsylvania. The volume of phone calls and emails that I receive on this topic is astounding. What I have discovered is that many people do not know their rights or how to handle these situation... http://www.financealley.com/article_588489_18.html 24th July 2008 In my daily practice of law I handle anywhere from 5 to 20 phone calls or emails regarding the Pennsylvania Lemon Law and its application to specific vehicles. I have been amazed at the lack of knowledge out there with the general public, so I am hopeful... http://www.financealley.com/article_588471_18.html 24th July 2008 So you have defaulted on a credit account. The debt collector calls and demands immediate payment of the debt. The debt collector then makes the following threat: “If you do not pay this debt by Monday at noon, we will garnish your wages, starting wit... http://www.financealley.com/article_586013_18.html 23rd July 2008 Purchasing a used vehicle is a large undertaking. No matter the actual price of the vehicle, it is a major expenditure for most of us. With that in mind, there are several things that you need to know, ask or do before signing on the dotted line. 1. ... http://www.financealley.com/article_584813_18.html 22nd July 2008 From what my clients have told me, this threat occurs with great frequency. The typical scenario is that the individual has defaulted on a credit account. The original creditor, be it Citibank or Capital One or whomever, fails in its attempts to get the... http://www.financealley.com/article_577458_18.html 16th July 2008 1. Take the vehicle to the dealer each time your encounter a given problem I have found that many people fail to take the vehicle in to the dealer for repairs because they either don’t have time, it’s too inconvenient, ect... but this is a very im... http://www.financealley.com/article_508915_18.html 04th April 2008 In today’s society it is very easy to get a credit card. Unfortunately, some people obtain too many credit cards, then cannot keep up with the payments. The credit card company sends you a notice of default, and threatens a lawsuit. Then, either the ... http://www.financealley.com/article_504014_18.html 02nd April 2008 Defaults on credit card accounts are at an all time high. Too many consumers obtain too many cards and then cannot keep up with the payments. If a credit card company files a lawsuit against you after a default, they must prove certain issues in ord... http://www.financealley.com/article_502152_18.html 01st April 2008 I receive several phone calls at my law office each day inquiring about the Pennsylvania Lemon Law and Used Vehicles. I begin by telling each prospective client that the PA Lemon Law does not cover used vehicles at this time. Fortunately, that doesn... http://www.financealley.com/article_493748_18.html 25th March 2008 The North Carolina lemon law (known also as the New Motor Vehicles Warranties Act) applies to all new motor vehicles sold in the state that are under 10,000 pounds. The law covers vehicles that are either purchased or leased. As per the North Carolina ... http://www.financealley.com/article_470622_18.html 08th February 2008 What happens when a Contractor performs work or delivers product for a Customer, and the Customer doesn’t pay? If he is smart, the Contractor files a Mechanic’s Lien against the Customer. A Mechanic's Lien is a legal procedure wherein a Contractor or... http://www.financealley.com/article_468534_18.html 05th February 2008 An Oral Contract is as legally binding as a Written Contract, the issue with an Oral Contract is in proving its existence. To begin, the existence of a Written Contract is fairly obvious, either there is a writing or there isn’t. An oral contract, by... http://www.financealley.com/article_188365_18.html 23rd July 2007 Let’s start with basic contract law. In order to have a Contract, there must first be an Offer. The “Offer” can be an offer for a good or a service or almost anything else for that matter. In Example 1, A offers to by a car from B for $1,000. I... http://www.financealley.com/article_187936_18.html 23rd July 2007 In Pennsylvania, Grandparents have the opportunity to seek custody of a Grandchild under limited circumstances. The Pennsylvania Statute enunciated at 23 Pa.C.S.A. § 5313, sets forth the circumstances under which a Grandparent may petition for Custody o... http://www.financealley.com/article_187502_18.html 23rd July 2007 The last-reported U.S. divorce rate for a calendar year (2005) is .38% Divorces per capita per year, according to the National Center for Health Statistics. About 50% of first marriages for men under age 45 may end in divorce, and between 44 and 52% of w... http://www.financealley.com/article_187429_18.html 21st July 2007 The PA Lemon Law The PA Lemon Law is a Pennsylvania Law that protects purchasers of defective motor vehicles. The PA Lemon Law applies to new model vehicles that are registered for personal use in Pennsylvania, and can apply to cars, trucks, vans or S... http://www.financealley.com/article_172129_18.html 09th June 2007 Subrogation is a legal term where one party steps into the shoes of another party so as to have their rights against a third party (the responsible party). Subrogation most often arises in insurance matters. The common example is where you are invol... http://www.financealley.com/article_155685_18.html 06th May 2007 You have filed a lawsuit to recover money that is owed to you. After the hearing, the Judge enters a judgment in your favor. Unfortunately, months later, you still haven’t received any money from the Defendant. How do you collect on your judgment? ... http://www.financealley.com/article_148584_18.html 18th April 2007 Recently, I’ve had several calls to my office about Garnishment of Wages, so perhaps a short article is in order. Wage Garnishment is a legal procedure in which a person’s earnings are required by court order to be withheld by an employer for the pay... http://www.financealley.com/article_146850_18.html 12th April 2007 One attorney wants a $2,500 retainer, while another attorney will handle the matter for 40% of your recovery. Why the difference? For the most part, it depends upon which type of case that you have as to how the attorney will charge you. Almost all P... http://www.financealley.com/article_144809_18.html 06th April 2007 So you have just purchased that new vehicle and the new car smell hasn’t worn off yet. Out of nowhere, the unexpected occurs as the engine light comes on, the vehicle stalls or the transmission doesn’t shift properly. How can his happen to your new... http://www.financealley.com/article_144459_18.html 04th April 2007 Pennsylvania does not currently have a specific Motorcycle lemon law at this time. The Pennsylvania Lemon Law currently only applies to personal use cars, trucks, vans and SUV’s, for the most part. Fortunately, however, you may be able to bring a lemo... http://www.financealley.com/article_142794_18.html 31st March 2007 Purchasing an existing business can be a very rewarding endeavor. The first thing that comes to mind about purchasing an existing business is the avoidance of “start-up” costs. The initial costs of creating a new business can be staggering, in addi... http://www.financealley.com/article_142768_18.html 31st March 2007 I get a lot of calls to my office about legal documents. Most times the calls are about Last Will and Testaments, Living Wills, Powers of Attorney, Buy-Sell Agreements and such. The prospective client always asks the costs for drafting such a document a... http://www.financealley.com/article_141842_18.html 29th March 2007 The Pennsylvania Lemon Law (73 P. S. sec. 1951 et seq.) is a powerful state statute that protects consumers and purchasers of defective motor vehicles. The Lemon Law was established in 1984, and originally protected only those individuals who actually pu... http://www.financealley.com/article_140861_18.html 27th March 2007