Philadelphia Consumer Law Attorney
Your Rights in Pennsylvania
Throughout the United States, state and federal laws protect consumers from mistreatment and unfair business practices—which can apply to debt collection efforts, telemarketing scams, deceptive advertising, etc. In Pennsylvania, many of these protections are outlined in the Unfair Trade Practices and Consumer Protection Law.
Contact our Philadelphia Consumer Law Attorney Online or by calling (610) 991-3321 today!
When focusing more specifically on the rights that you are afforded as a debtor, however, it is important to examine the protections of the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act and the Fair Credit Reporting Act. These laws are enforced by federal agencies, as all U.S. citizens are afforded protection from creditor harassment, deceptive debt collection efforts and unfair credit reporting.
If you do not understand the scope of these laws, however, you will not know when your rights have been violated. For this reason, we encourage you to review the information below.
Understanding the Fair Debt Collection Practices Act (FDCPA)
- Under this law, creditors are prohibited from engaging in certain behaviors while attempting to collect on unpaid debts. They must avoid using abuse or harassing language, calling a debtor before 8 A.M. or after 9 P.M., informing outside parties of the individual's debt, intentionally misinterpreting the amount of money that is owed and/or threatening to take unlawful action.
Key Provisions of the Telephone Consumer Protection Act (TCPA)
- Under this law, creditors are prohibited from contacting a consumer on their cell phone or home phone while using an automated dialing system or pre-recorded voice. If they do so without the consumer's "express consent," this behavior would be considered abusive. They must also provide the recipient with a name, phone number and address at which they can be reached.
Essential Details of the Fair Credit Reporting Act (FCRA)
- Under this law, the Credit Reporting Agency (CRA) must provide detailed information in one's credit report and inform the consumer of everyone who has requested a copy of their report. They must also investigate claims of inaccurate reporting when a consumer has submitted a formal complaint in writing—which is typically done within 30 days.
Have Your Consumer Rights Been Violated? Reach Out to Our Firm Today!
If you believe that your rights have been violated by a creditor in Pennsylvania, The Law Office of Michael P. Forbes, PC encourages you to contact a Philadelphia debt collection defense attorney as soon as possible. In doing so, you can ensure that you will be protected from any further instances of abusive, deceptive or harassing debt collection practices.
To learn more about how we can help, call our firm today at (610) 991-3321 submit an online contact form, conveniently located on our website.
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Proactive
My goal is to reach as many people as possible to let them know that they do have the option to combat collection agency bullies.
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CommittedMy firm is proud to deliver high-quality legal representation and compassionate counsel during this difficult time.
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Knowledgeable
Over 25 years of experience and the qualifications to fight for you and your rights.
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Power
We fight back and make the debt collector pay YOU money for their abusive, harassing behavior.
Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (610) 991-3321.
Our Valued Clients Share Their Thoughts
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"They are very straight forward and told us what to expect each step of the way. They are tireless advocates for their clients and profession."RD & AD
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"Credit Report Inaccuracy Threatened My Promotion"R.T.
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"Someone You Definitely Want in Your Corner"J.C.
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"Fought for Me Like No Other. He's One of the Good Ones."J.W.
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"He Got Me Out of a Financial Mess"Jerry Timlin
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I trust Michael and as a result I highly recommend him.
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He managed to focus on the best outcomes for my family and our business
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Michael P Forbes
VOTED AS ONE OF PENNSYLVANIA'S TOP LAWYERS
Mr. Forbes has always been driven by the desire to help others. With that in mind he began his law career representing indigent families in the Philadelphia family law system for seven years.
Let’s Make Bankruptcy your Last Resort!
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