Pennsylvania Consumer Protection Lawyer Defends Your Rights
Bethlehem attorney targets unfair, deceptive and fraudulent trade practices
At the Law Office of David Kennedy Bifulco, P.C., protecting your rights is my priority. I assist consumers throughout the Bethlehem and Philadelphia area with issues involving creditor harassment, predatory lending, unwanted solicitations and other consumer issues. I can help you with claims involving creditors, businesses, scammers and manufacturers.
Knowledgeable attorney well-versed in state and federal consumer protection laws
I am experienced in helping my clients take full advantage of federal and state laws protecting consumers against these types of disreputable practices:
- Sellers’ unfair or deceptive practices — Pennsylvania’s Unfair Trade Practices and Consumer Protection Law prohibits sellers from fraudulent or deceptive conduct that creates a likelihood of confusion or of misunderstanding. Among the proscribed practices are misrepresentations of the identity, geographic origin, condition (new vs. second-hand) or manufacturer or purveyor of goods or services. It also bars falsely advertising prices or terms of sale, such as “bait and switch” schemes, and dishonoring written guarantees or warranties. I can sue on your behalf for an injunction against such practices and also pursue money damages for losses you may have suffered.
- Oppressive debt collections — Bill collectors are prevented by law from using false, deceptive or misleading representations or means to obtain payments on overdue accounts. The federal Fair Debt Collection Practices Act generally forbids harassing or annoying debtors, threatening them with arrest or litigation, making early morning or late night phone calls, contacting them at their place of business, speaking to their friends and family or contacting debtors directly once it is known they are represented by a lawyer. I know how to use the FDCPA to stop collectors from using these oppressive tactics against you and to win money damages and attorneys’ fees in your behalf.
- Predatory lending — There are many and varied schemes by which disreputable lenders target vulnerable consumers, including excessive interest, hidden fees and penalties and deceptive loan-repayment structures. The federal Truth in Lending Act and Home Ownership and Equal Protection Act bar such illicit practices in general and for loans secured by liens on borrowers’ dwelling, such as purchase-money mortgages, refinances, closed-end home equity loans and open-end credit plans. These laws provide remedies that I can effectuate in your behalf, including working to prevent creditors from taking enforcement measures like foreclosure against you.
- Unfair billing — I help my clients avail themselves of the federal Fair Credit Billing Act, which bars invalid billing practices such as charging the wrong amount, charging for merchandise never received, sending bills to the wrong address or failing to post payments and credits or to reverse unauthorized charges. The law also gives you the right as a borrower to dispute charges you believe to be erroneous or fraudulent, such as where you may be a victim of identity theft. I can also champion your rights under the Fair Credit Reporting Act to review your credit score and dispute any mistakes in your credit report.
I am committed to protecting your rights as a consumer through all available remedies, including complaints to the Pennsylvania Bureau of Consumer Protection, which investigates fraud and deception in the sale, servicing and furnishing of goods and services, and the Fair Trade Commission’s Bureau of Consumer Protection, which enforces federal laws dealing with unfair or deceptive consumer practices. I can also enforce your rights by bringing suit in court in appropriate circumstances.
Contact me today to schedule a free consultation
If you believe you have been a victim of unfair business or lending practices, you need a skilled consumer protection lawyer who can advise you of your rights and provide you with a tailored legal strategy to vindicate them. Call the Law Office of David Kennedy Bifulco, P.C. in Bethlehem at 610-676-0650 or contact me online to schedule a confidential consultation.