Velocity Investments
If Velocity Investments has sued you, your first step should be to call or email Artim Law for a free consultation. We can advise you as to how to best deal with this company.
How to Respond to a Credit Card Lawsuit
Responding to a Credit Card Lawsuit When a lawsuit is filed in the Court of Common Pleas you as the defendant have 20 days to get a written response filed with the court. The initial written response to the lawsuit is crucial, so please heed the following advice. There are generally two choices when responding:…
Should I Pay This Debt?
We get calls every day asking us to negotiate debt. For some people, paying debt is a good idea. For others, its not such a good idea. Most people do not realize the nature of debt. The typical phone call goes like this…”Attorney Artim, I have a debt with Chase that I’d like to…
Writ of Execution – What does it mean?
We’ve had lots of calls over the last few weeks asking about a Writ of Execution. Can I hire you? Why didn’t they give me notice? What can be done? These are some of the frequent questions that we get regarding Writs of Execution. What is a Writ of Execution? A Writ of Execution…
5 Steps to Beat LVNV Funding in Court
LVNV Funding is a junk debt buyer that we deal with on a daily basis. They fell under the radar for a few years and now are making a big comeback. We’ve seen hundreds of LVNV cases being filed across western Pennsylvania in the last few months. Below, we’ll talk about the 5 steps…
Sued by Portfolio Recovery Associates?
If you’ve been sued by Portfolio Recovery Associates (PRA), then you need to do something, right now. Since you’re here, you obviously are at least attempting to do some research, which is a good thing. The next step is to consult with and then hire a consumer attorney. Please don’t make the mistake of handling a…
5 Steps to take when facing a credit card lawsuit.
Facing a credit card lawsuit? Please don’t panic. Follow these easy steps and you’ll obtain a great result almost every time. Step 1 – Take a few minutes to actually read the lawsuit. See if they have sued the correct person, see if you can recognize the account that they are suing on. Step 2…
Who is Cavalry SPV?
We’re getting lots of cases from Cavalry SPV. These cases are being filed in District Justice Court and the Court of Common Pleas. In most instances, Cavalry is being represented by the fine attorneys at Apothaker Scian. You’ve never had an account with Cavalry, you’ve never had a contract with them, they’ve never lent…
Midland Funding Sued Me, Now What?
The mailman knocks at the door. You answer and he says “sign this please”. Hesitating, you sign the green card. Its a letter from your local District Justice. You open it to find that you are being sued by Midland Funding, LLC (or it’s alter ego Midland Credit Management). Who in the world…
District Justice Judgments
We’ve had a number of calls over the last few weeks from people who think they are being sued with a new lawsuit. As the consultation goes on, the client inevitably says “I was sued for this claim years ago”. At that point, we need to take a look at the docket and at the…
National Collegiate Student Loan Trust
We’ve defended a number of National Collegiate Student Loan Trust cases over the last few years. Initially, in mid 2012, there was an onslaught of new client inquiries. We were getting calls every hour about these cases. We were retained on a number of them, and we have been successful on all of them. Then,…
Background Reports and the Fair Credit Reporting Act
FCRA Applies to Background Reports by Potential Employers The Fair Credit Reporting Act (FCRA) is a federal law that applies to credit reports. The FCRA was enacted to protect the accuracy and privacy of consumer information in consumer credit reporting agency files. The definition of “credit report” includes what is commonly known as an employee…
Debt Collection Defense Attorneys
The bulk of our caseload at Artim Law is defending individuals who are sued by collection agencies. We see lawsuits from Cavalry, LVNV Funding, Midland Funding and Portfolio Recovery Associates every day. These guys are the large debt buyers and it appears that they’ve swallowed all of the smaller debt buyers. Every now and again,…
Should I Negotiate with a Debt Collector?
We’ve received many inquiries this week about negotiating with debt collectors. Let’s get right to it… if you are sued by a debt collector, or even if you’ve received a phone call or a letter from them, you SHOULD NOT negotiate with them by yourself. I’m not saying that negotiation is a bad idea,…
Should I Pay This Judgment?
Years ago, you were sued. You lost, either because you didn’t properly defend yourself and allowed a default judgment to be entered, or, because you didn’t hire an attorney. Now years later the collector is trying to enforce the judgment and is demanding that you pay. Or, you’re trying to buy a new home and…
Bank Account Garnishment
Apparently, its bank account garnishment week here in Pennsylvania. We’ve been inundated with calls from consumers who have had their bank accounts garnished. In some cases, the consumer didn’t even realize that they had been sued. We’ll be attacking the judgments on those ones for sure. In many cases, however, the consumer did realize…
PA Debt Collection Laws
For today’s blog post I want to talk about some general collection issues and terms that we get asked about quite often. Let’s start with the Statute of Limitations. The Statute of Limitations (SOL) for credit card debt in Pennsylvania is 4 years (3 years on some cases). Well, 4 years from when, exactly? The…
Your Rights under the Fair Credit Reporting Act (FCRA)
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a…
Credit Report Problems
Everyone has credit report problems. It can be an incorrect entry, an account that you paid off that’s mis-marked, an incorrect amount, an incorrect delinquency, or a host of other things. Fortunately, you have protection under the Fair Credit Reporting Act (FCRA). The FCRA is a powerful federal law that governs all credit reporting…
Deposition in Aid of Execution
What in the world is a Deposition in Aid of Execution? Why am I receiving this? Did I get sued? These are the hot questions of the day. We receive at least one of these calls every day at our office and sometimes its up to 6-7 calls per day. If you’ve received a notice…