Pennsylvania Consumer Legal Questions

You should contact an attorney that specializes in Lemon Law cases.  If you are in Eastern PA and are having trouble finding someone for your case you can call my office and I can provide you with 2 attorney's you can contact to discuss your case.  A good resource for finding attorney's that handle this type of case is www.AVVO.com .... Read Answer

You may have a claim under the Unfair Trade Practices and Consumer Protection Law.  That law allows a wronged consumer to receive three times the amount of damages and attorneys fees.  The question is whether or not the conduct constitutes deceptive practices and the facts suggest that. Alternatively, you could sue the company in small claims court but would then only be entitled to a refund. I trust this answers your question, but feel free to call or email me on a free initial basis. Best Regards,   Matthew R. Nahrgang, Esquire 35 Evansburg Road, Ste 400 Collegeville, PA 19426 (610) 489-3041 o (610) 489-3042 fax nahrganglaw.com... Read Answer

You are probably not surprised to hear that your statement of facts generates several questions.  The simplest method to determine the facts and advise you is via a free initial consultation.  Feel free to call or email at your convenience. Best Regards,   Matthew R. Nahrgang, Esquire 35 Evansburg Road, Ste 400 Collegeville, PA 19426 (610) 489-3041 o (610) 489-3042 fax nahrganglaw.com... Read Answer

Yes, you could file such a suit.  The strength of your case would depend on the particular facts.  You would probably not be able to recover emotional distress damages in this kind of suit.  However, you could recover attorney's fees and other expenses involved with repairing or getting rid of the damaged vehicle.  ... Read Answer

  Most counties have online dockets so you can see the details of the alleged judgments.  I suggest looking there first.  If it's a question of mistaken identity, which happens fairly often, that can usually be cleared up with little trouble.  If indeed there are judgments, that needs to be explored further to either contest them or consider a bankruptcy to discharge them.   I strongly advise speaking to debt relief counsel and I offer a free initial consultation. ... Read Answer

Fortunately, your daughter has minimal damages.  You can theoretically recover all the items you mentioned, but you may not be able to sue them in PA.  So, it may not be worth your time and trouble.  On the other hand, if you sue, their insurance company may settle for more to avoid a possible pain and suffering claim.  ... Read Answer

That is usually the simplest, quickest way to get reimbursed.  After that, you can sue the towing company in small claims court, Municipal Court in Phila, for any amount not covered by insurance. If you want a lawyer, which doesn't make sense to me as their fee will be greater than the deductable, any personal injury lawyer can handle it.... Read Answer

This might be a change in the bank's policy for relatively minor repairs and claims, but I would bet dollars to doughnuts that the loan documents you signed give the lender the right to the proceeds and that in order to make the loan they insisted that they be listed as loss payee. That's why the check came payable to both of you. Now they want to be sure that the repairs were made properly in order to protect their collateral. While I doubt you're being singled out, your default and the previous imminent foreclosure can't be giving them a warm and fuzzy feeling. SO, let's figure out a way to get them comfortable with the fact that you completed the repairs and that the house and safe and sound and its value in tact. I'll ignore the question about what the insurance company thinks about the amount of the claim. My first approach would be to do up the chain of command, ending with a call or letter to the President or CEO. That might be all it takes based upon the size of this repair and claim.  You could also contact the bank's regulator, but this is a service issue, I suspect, and not a legal one. If that doesn't work, then I suggest that you suggest to the bank that they send an inspector to check out the repair. They almost certainly will want to deduct the amount from any insurance proceeds you are set to receive or add it to your loan amount, but if you really saved a bundle on doing the repair yourself, this shouldn't be too big a hit. That is the price you pay for having a mortgage.  The other option is to pay them off and be done with them. While an attractive option, I realize it's not one which is likely to be feasible. Don't take this personally.  Most banks and loan servicers are so overworked that they don't have the energy or inclination to single someone out for this type of matter. Be polite and persistent, and this just might end how you look sooner than you think. Best of luck in working this out.    ... Read Answer