The price of a barrel of oil is now $117 per barrel. The most immediate result is that you are paying more at the pump for a gallon of gas. The average price of a gallon of gas is $3.50 today. One month ago it was $3.25 per gallon. What can you [...]

The Pennsylvania Fair Credit Extension Uniformity Act provides Pennsylvania consumers with the same protections as the FDCPA.  In addition, it prohibits abusive collection efforts by creditors.  (The FDCPA only applies to debt collectors.)  Like the FDCPA, the PA FCEUA prohibits:

Communication with third parties regarding the debt
Harassment, abusive, or oppressive conduct
False, deceptive, or misleading representations
Unfair or [...]

The Fair Debt Collection Practices Act (FDCPA) was passed into law in 1977.  It was intended to curb abusive, deceptive, and unfair debt collection practices.  The Federal Trade Commission (FTC) is required by the FDCPA to submit a report to Congress every year summarizing the FTC’s actions taken under the FDCPA.  The following are the [...]

After a vehicle is repossessed, the lender usually auctions it off.  If the lender sells the vehicle to someone else, the auction proceeds will be applied to the outstanding balance on your loan, the auction fees, the repossession fees, and storage fees.  Usually, there is not enough money to pay these fees in full - [...]

New Jersey, in a move designed to strengthen consumer protections against abusive collection tactics, is moving towards what is being call the New Jersey Fair Debt Collection Practices Act.
The legislation, which mirrors the federal Fair Debt Collection Practices Act, goes a step further by imposing rules on creditors — not just third-party firms that are [...]