Posts tagged "Consumer Protection"

When debt collectors harass consumers

When people in Philadelphia face financial hard times, the situation may be exacerbated by the stress of debt collection calls or other harassment. Individuals may find their phones ringing at all hours of the day with calls from collection agencies seeking payment for past-due credit card bills, auto loans, mortgages or other debts. These calls can come on a mobile phone, a landline or even at a work number. In addition, the pressure created by these calls can lead to serious problems, including marital issues and employment concerns.

Consumers struggle with defective vehicles

When people go to a dealership in Pennsylvania or around the country to buy a new car, they expect to walk away with a reliable vehicle in excellent condition, fresh off the production line. However, too many buyers find themselves facing serious defects that are difficult or impossible to repair. In short, they find that they have purchased a lemon. Despite their rights under the law, many car buyers find that dealers and manufacturers are reluctant to buy back their vehicles or reach a fair settlement under the provisions of the applicable lemon law.

Signs to look for when buying a used car

For many citizens of Pennsylvania, buying a used car might be an ideal situation. For one thing, people shopping for a specific make will be able to find it at a lower price than if it were brand new. Opting for a used car often means that car buyers can go for a better model than they had originally had in mind. With a used car, car owners don't have to worry about depreciation as much as someone who just bought a brand-new car off the lot.

Lemon laws are designed to protect consumers

It can be disheartening for a Pennsylvania resident to spend their hard earned money on an automobile only to suffer through repeated vehicular malfunctions. Making things even more frustrating is when the dealership does nothing to fix the problem. The buyer may feel like they have to swallow the loss. However, this is where lemon laws come into effect.

Tips for inspecting a used vehicle

Those who want to buy used cars in Pennsylvania should have them inspected prior to signing any purchase paperwork. This is because a buyer agrees to take on any problems that the vehicle has after the transaction is final. It's important to note that some efforts to repair a car or truck can be found just by looking at the vehicle carefully.

Car warranty scams

Drivers in Pennsylvania and throughout the nation should be wary about phone calls or letters about their car's warranty. A company in Miami used robocalls to make victims believe that they were being contacted by a manufacturer or car dealer about extended warranty offers. The Federal Trade Commission says that it is refunding roughly $4 million to about 6,000 people who fell for the scam.

Staying protected from identity theft

Data security is a growing concern among corporations and private individuals in Pennsylvania. This is especially true of consumer credit information. The Fair Credit Reporting Act was passed to standardize the means through which everyday consumers' financial and credit history is stored, collected and distributed.

How the law protects consumers

There are a variety of laws on the books that aim to protect consumers in different ways. For instance, Pennsylvania consumers may be covered by a lemon law that allows them to return a defective vehicle. Other laws prevent businesses from using deceptive advertising to entice consumers to buy a product or service. Furthermore, bait-and-switch tactics are generally prohibited. This occurs when a company advertises a product only to not have it available to consumers. In its place, a company tries to sell another product that is more expensive.

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