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.
It’s a frightening thought: Money has gotten so tight that you weren’t able to make this month’s payment on your car loan.
Now, you’re worried about car repossession, and imagining the day when a tow truck comes to your house and hauls away your only source of transportation.
But can the lender repossess your car after a single missed payment?
Continue reading Will My Car Be Repossessed If I Miss One Payment? →
Perhaps the worst thing about having your car repossessed is that even after your vehicle is gone, the lender may not be done with you.
In some cases, lenders hire collectors or file lawsuits against borrowers to recoup what they’re owed. In this blog post, we’ll look at steps lenders may take after repossessing a car.
Continue reading The Lender Sold My Repossessed Car. Why am I being sued? →
Credit reports must be kept accurate because they affect so many aspects of our lives. Yet errors on credit reports are common. The Federal Trade Commission has conducted studies that show errors may continue to appear on a credit report, even after they’ve been disputed.
Continue reading What is a Credit Dispute Letter? →
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? →
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