Identity Theft Recovery.

IDENTITY THEFT
RECOVERY

The Fair Credit Reporting Act (FCRA) gives you powerful rights to recover your good name and to obtain significant damages caused in part by complicit creditors and credit reporting agencies.

Has your identity been stolen?

  • Inspect your report for inaccurate information.
  • File a police report.
  • Insist on a 7-year fraud alert and a credit freeze in your credit report.
  • Have inaccurate or fraudulent information blocked from your credit report.

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Student Loan Debt Lawyer.

STUDENT LOAN
DEBT

Before a Debt Collector can collect a default student loan, you can request and they must offer you help in paying the debt! You have legal rights.

While there are many laws regarding defaulted student loans, you have important decisions to make regarding:

  • Deferment
  • Consolidation
  • Rehabilitation
  • Discharge

Are you eligible for a discharge? Contact us and we can help.

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Pre-employment Credit Check Abuse.

CREDIT CHECKS
FOR EMPLOYMENT

Employers MUST follow the guidelines set forth in
the Fair Credit Reporting Act (FCRA) limiting the ability of employers to obtain and use such information.

Consumer Reporting Agencies may only release such a report for employment purposes to an employer if the employer certifies it:

  • Advised you as a potential hire or fire of the report request
  • Obtained your consent in writing to the release
  • Provided certain disclosures if it takes any “adverse action” based on any part of the report, i.e. does not hire or fires you, including most importantly a “pre-adverse action disclosure,” which includes a copy of the report and an explanation of your rights under the FCRA

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Mortgage Lender Abuse.

MORTGAGE
LENDER ABUSE

State and federal laws are designed to protect homeowners from illegal and unfair lending practices guide these agencies.

Your Mortgage Company is regulated by multiple federal laws including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending (TILA), and the Equal Credit Opportunity Act (ECOA). Under these laws and state consumer protection laws, they must:

  • Accurately disclose certain important terms of your loan
  • Accurately account for all payments you make
  • Not charge you junk fees and penalties
  • Give you an interest rate based on your credit – not your race, age or gender

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Auto Dealer Fraud.

Auto Dealer
Fraud

Car Dealers must comply with state consumer protection law, the Motor Vehicle Sales Finance Act, the Pennsylvania Code, the state “Lemon Law”, and the Uniform Commercial Code.

Under these laws a car dealer cannot:

  • Sell you a used car without disclosing it has serious defects from a prior accident or was previously a rental car;
  • Give you unfair credit terms;
  • Change the credit terms after you leave the lot with your car

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STOP DEBT COLLECTOR HARASSMENT

Looking to STOP phone harassment
by aggressive debt collectors?
W CAN help!.

A debt collector who abuses you for the collection of a consumer debt can be sued under a law called the Fair Debt Collection Practices Act (FDCPA). Debt collectors cannot:

  • Threaten you with lawsuits, wage garnishment, liens, or arrest
  • Call your neighbors, friends, or employer about your debts or ask them to give you messages
  • Yell, swear at, insult, or otherwise disrespect you on the phone
  • Call you at your work after telling them to stop

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“There are times, when you need a champion on your side, an expert in Consumer Protection Law. That’s where I step in to provide you the best legal support possible.”

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Consumer Protection Attorney - Robbet P. Cocco, P.C.

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