Browsing Category "Law"

Often people have an inkling that a lawsuit is coming and they ask me what they need to do. I have the same answer for everyone: Unless you have been served with a complaint or a summons, you do NOTHING. […]

Good News! Nationwide credit reporting agencies (Equifax, Experian & TransUnion) can no longer report on individual credit reports 50% of tax liens and almost all civil judgments. This is because tax liens and civil judgments are public records and under […]

A judgment is a public record appearing on credit reports that has been a major roadblock to individuals being approved for credit, mortgages, insurance coverage and even jobs. Did you know that as of last July, Equifax, Trans Union and […]

Debt Collection Harassment is illegal. The Fair Debt Collection Practices Act says debt collectors can’t harass, oppress, or abuse you or anyone else they contact. This means they can’t: §  Make repeated phone calls that are intended to annoy, abuse, […]

Are you having any of the following problems with your credit report: Incorrect & Outdated Credit & Personal Information Identity Theft Duplicate Accounts Debts Reported Are Not Yours Your Credit History Mixed With  Someone Else’s Credit History Employment & Background […]

The Fair Credit Reporting Act (FCRA), a federal law, requires that for anyone to pull your credit report, they must have a Permissible Purpose. A permissible purpose occurs when someone has a business relationship with you like an employer, insurer, […]

If you are employed or seeking employment, an employer may want to review your credit report, do a criminal background check and conduct pre-employment screening. To obtain this information about you, the employer must have your written consent. Since this […]

If you notify a credit reporting agency (Equifax, Experian, Trans Union) of errors on your credit report, it is the law that they have to conduct an investigation. As part of that investigation, the credit reporting agency is required to […]

Negative or adverse information over seven years old (ten years for bankruptcies) cannot be legally reported on your credit report. Contact Pine Street Legal at (215) 345-9214 or nkanter@pinestreetlegal.com for a free consultation on how to get this outdated information […]

Congress passed the Telephone Consumer Protection Act (TCPA) to protect individual consumers from receiving intrusive and unwanted calls. Under this Act it is unlawful for any person to make any call (other than a call made for emergency purposes or […]