Bankruptcy Alternatives

Fair Debt Collection Practices Act Stops Collection Of Settled Or Paid Debts

The Fair Debt Collection Practices Act ("FDCPA") and related laws can stop unscrupulous debt collectors who try to collect settled or paid debts in Pennsylvania. Violations of these statutes can result in payment of damages for the debtor, including attorney's fees.

Foreclosure Defense And Bankruptcy

Mortgage foreclosure defense in Pennsylvania can buy you time to bring your loan current, sell your home, or make other plans. In many cases, foreclosure defense can lead to a mortgage modification, settlement, or both. You can sometimes modify a mortgage while in bankruptcy.

Mortgage Modification And Bankruptcy

A mortgage modification in Pennsylvania may involve a reduction to your interest rate, rolling any back payments into the loan principal (capitalization of the arrearage), or extending the term of your loan.

The Pennsylvania Statute of Limitations on Debt Stops Vulture Debt Collectors

The four-year Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors. Debt collectors do not want you to know this, but sometimes a debt is just too old to collect.

The Pennsylvania Statute of Limitations on Debt: Three Costly Mistakes

The Pennsylvania Statute of Limitations on debt is a powerful tool for dealing with unfair collection practices. Unfortunately, debtors often make costly mistakes in applying the Statute of Limitations.

What You Need to Know About Illegal Debt Collection in Pennsylvania

Debt collectors often use intimidation, lies, and harassment to collect debts. (Witness the debt collectors in Pennsylvania that set up a fake court.) Fortunately, you can protect yourself from these unscrupulous creditors and collectors.

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Harborstone Law represents clients in bankruptcy, debt, consumer, and small business matters throughout Philadelphia, Montgomery, Delaware, Chester, Bucks, Berks, Lancaster, Lehigh, and Northampton Counties in Pennsylvania.
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