We hope the articles below help you understand your rights as a consumer. You can scroll through the titles, or sort by Practice Area or Topic. You can also use the search feature to locate information by keyword.
Flitter Milz represents people with a variety of problems involving consumer credit and collections. If you have a particular question or believe your consumer rights have been violated, Contact Us for a no cost consultation.
Perhaps the worst thing about having your car repossessed is that even after your vehicle is gone, your lender may not be done with you.
In some cases, lenders may file lawsuits against borrowers to recoup what they’re owed. In this blog post, we’ll look at what’s involved with being sued after a car repossession.
Continue reading Car Repossessed? Now Getting Sued by My Auto Lender →
When banks record an increase in credit losses and delinquencies, often there is an uptick in repossessions. These indicators not only reflect repossessions of cars and trucks, but also pleasure vehicles, such as RVs, boats and motorcycles.
Fortunately for consumers, the laws that protect victims of car and truck repossessions, also apply to motorcycles, RVs and boats.
If you’ve fallen behind on your loan payments and are worried that your motorcycle, or other vehicle, is in danger of repossession, here’s what you need to know.
Continue reading What Are the Laws Governing Motorcycle Repossession? →
As we’ve written before, consumers dealing with car repossession still have certain rights, regardless of how behind they might be on their payments.
For example, you have the right to be kept safe from an aggressive or abusive repo agent. They can’t break into your garage, damage your property or vehicle, or threaten you with physical harm.
Continue reading What notices must my lender provide after repossession? →
Your car is hooked up to the tow truck. You’d been struggling for months to make payments, and now the thing you feared most has come true: repossession.
And you think to yourself: What do I do now? Where is my car? Is there some sort of car repossession look-up service that can track it down?
Continue reading 5 Things to Do After Your Car Has Been Repossessed →
One of the worst things about car repossession is that it seems so final.
You’d fallen behind on your payments, and now that the repossession has happened, it seems like you’ll never see your car again.
But in the back of your mind, you wonder: “If my car is repossessed, can I get it back?”
You can. But it’s also important to make sure your rights are protected even if you can’t. Here are three things you can do if you’re dealing with a repossession. Continue reading My Car Was Repossessed. Can I Get It Back? →
When you owe money to a debt collection agency, its employees have the right to contact you and try to recoup that debt.
But those rights only go so far. The federal Fair Debt Collection Practices Act regulates what debt collectors, or law firms acting as collectors, can do when contacting Pennsylvania consumers, and bars them from engaging in deception while trying to recover money that is owed.
Continue reading How Debt Collection Laws Help Pennsylvanians →
Car repossession can feel like the end of the world. Instantly, your daily life comes to a halt. You realize that you won’t be able to get to work, take your kids to school, or make it to your appointments.
Continue reading What Happens When Your Car is Repossessed in PA? →
When payments on your account go unpaid, the creditor may stop you from making additional charges and list your account as a charge-off. But even if the creditor stops trying to collect on your account, you still could be responsible for the debt.
Continue reading How does a “Charge-Off” affect the consumer? →
“Abuse.” “Dishonest.” “Fraud.” “Racketeering“.
These are the type of words you’d expect to see used to describe an organized crime family, not a company claiming to provide clean, renewable energy.
Nevertheless, this was the language New Mexico Attorney General Hector Balderas used in filing a civil complaint against Vivint Solar, accusing the company of deceptive business practices.
We’d like to tell you this is an isolated incident. But sadly, there are a growing number of scams coming out of the world of solar panel sales. Forged signatures and unlawful access to credit reports may just be the tip of the iceberg when it comes to solar panel scams.
You’re at home one day when a salesman knocks on your door. But he claims that what he’s selling – solar panels – won’t actually cost you any money.
Solar panels, he says, will pay for themselves. In fact, you might even make money. All you have to do is sign his tablet. And while it may not seem like it, you’ve become the target of a solar panel scam.
It might be that he’s signed you up for a contract you don’t need or want or added a neighbor or relative’s name to the contract.
And with your forged signature, solar companies will sometimes pull your credit report without your consent, a violation of the federal Fair Credit Reporting Act.
In New Mexico, the state accused Vivint Solar of using deceptive business practices by tying consumers into 20-year contracts that forced them to buy the electricity produced by the panels at exorbitant rates.
The attorney general said the company’s sale model allowed its workers to overstate how much consumers could save by going solar. Some people were told they could see their energy bills cut in half by going with Vivint Solar.
And it’s not just Vivint. The Better Business Bureau processed dozens of complaints in New Jersey alone over the past few years. They came from customers who say they were misled by solar companies about things like their ability to cancel contracts and the amount of money they could save.
Flitter Milz, P.C. is a consumer protection law firm that has pursued matters for consumers around the country against solar panel companies fraudulent sales tactics. Whether a solar panel company has forged your signature, wasn’t upfront about the terms of its contract, or obtained your credit report without your permission, we can provide a legal evaluation at no cost. Contact us today to learn more.
“A Record 7 Million Behind on Car Loans”, The Philadelphia Inquirer, 2/13/19
The Federal Reserve Bank of New York reported that, “A record seven million Americans are 90 days or more behind on their auto loan payments. Despite a strong economy, economists are warning that Americans are struggling. Although a car loan is the first payment people make because a vehicle is critical to getting to work, when car loan delinquencies rise, it is a sign that many American are under duress.”
BEFORE a Repossession: Continue reading Repossessions: Know What to Expect – Before, During and After →
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