The Pennsylvania Department of Banking and Securities recently issued a new press release warning consumers about illegal auto loans. The release was prompted by a recent Commonwealth Court decision.The Department advised Pennsylvania consumers seeking relief from...
If you are facing calls from creditors it is possible you may be confused as to why you are receiving them. You may believe that you paid in full the debt the collectors are trying to collect, or even never accrued the debt in the first place. Confusion regarding...
Every once in a while you see a report of Debt Collector that gets prosecuted criminally and for their misconduct. I've always suspected that attracting the interest of law enforcement has more to do with abusing the wrong person, rather than the abuse itself. But no...
As any reader of this blog surely knows, I believe that all of the Certified programs are out and out scams. There is no real oversight or accountability. Therefore, there can be no real standards or value. But the dealers and manufacturers make billions of dollars...
Life does not always go as planned and for a variety of reasons people could find they are facing financial difficulties resulting in the inability to pay off some debts. While this alone is a stressful situation, when debt collectors begin to call to try to recover...
According to a recent Wall Street Journal article, "U.S. car sales hit an annual record, clearing a previous peak reached in 2000 as lower gas prices and interest rates spurred consumers to snap up vehicles from dealerships." As we all know, where there are car sales,...
Many dealers send out mailers that pretend to be contests and offer amazing prizes. I've seen them all. Large screen TVs. MP3s. Thousands of dollars. New cars.Often you have to scratch of an area just like an instant lottery ticket. If the number matches, then you are...
I was speaking to an existing dealer fraud client the other day and it was apparent that she had also been subjected to Debt Collection Abuse. I realized I had not addressed Debt Collection Abuse in some time.Let's start with the basics. We, as a society, decided a...
Laws in the state of Pennsylvania are constantly in a state of flux. Those pertaining to consumer protection are not an exception. In previous posts we have written about the guidelines in place that dictate what creditors or debt collectors can do when trying to...
This will be the first in a series touching on the widespread misuse by dealers of bogus AS IS disclaimers to get away with fraud.Dirty dealers, especially dirty franchise dealers, more and more often try to escape liability for selling damaged and defective vehicles,...