Archive for Credit Card
How to Defend a Credit Card Lawsuit in Pennsylvania
Consumers from Allentown, Bethlehem, Easton, and the entire Lehigh Valley have recently been receiving lawsuits from credit card companies like Capital One and Discover Card, as well as several other debt collection agencies who’ve gotten more bold and decided to sue debtors for debts that they aren’t paying. Make no mistake, these lawsuits are real, [...]
Dealing With Debt Can Be A Mental and Mathematical Issue
By now everyone’s heard that word the worst economy since the Great Depression, while not certain of that, but one man’s bustling economy can be another man’s depression, and whether or not we’re actually the worst economy since the Great Depression really is irrelevant to the person who hasn’t been able find a job for [...]
How to Handle a Credit Card Case in the Pennsylvania State District Court
It can be unnerving to defend a credit card debt case in front of the magistrate in the Pennsylvania district court system. In Pennsylvania, magistrates generally can hear matters up to $8000, so many credit card cases find their way into the Pennsylvania district court.
The first thing that you need to know about magistrates is [...]
Debt Settlement Companies Target Minorities?
I heard a debt settlement company’s advertisements a radio station in Allentown Pennsylvania.
Maybe you’ve heard it, it has something that sounds like gospel music playing in the background and the song has a lot to references to freedom. I’m not against freedom, but it’s clear that they were targeting a demographic, and that demographic is [...]
So Chapter 13 can save my house… but I shouldn’t do it?
The Lehigh Valley has been hit particularly bad during this mortgage foreclosure crisis. Consumers from Allentown, Bethlehem, Easton, and the surrounding cities and suburbs are finding themselves past due on mortgages that are significantly higher than what they could sell their home for.
It was doomed to happen. In 2005, houses routinely fetched $250,000 to $300,000 [...]
Fraud Alert: Lowering Interest Rate Phone Call
I got a curious call at the office Friday afternoon, and my curiousity probably saved someone thousands of dollars. I got a message that said “press one to lower your interest rate,” and I pressed it.
The call came in around 6:15 PM, and a man who claimed to be from Visa/Mastercard called saying [...]
Discover, the card that hits you back
Over the past few months there’s been an uptick in the number of credit card companies filing lawsuits in Court of Common Pleas and Magistrate courts in Pennsylvania against creditors have defaulted on credit cards.
Two of the highest rate filers are Discover Card and Capital One, with Discover Card probably outstripping Capital One at a [...]