I am currently involved in a negotiation with a collection agency regarding my client’s debt with a large credit card issuer. My client owes about $60,000 and she does not want to file for bankruptcy. My client does not own a house and she works as a consultant, meaning that she can make good money [...]
March 2008
In a previous article on this site, IRS Warns Of New Credit Scam Via Phishing Email, Susanne Robicsek discusses a variation on phishing scams. Phishing, is an attempt to illegally acquire information about you such as your bank account numbers, social security number and passwords. The e-mail appears to be from a legitimate company such as [...]
My office has been flooded this week with clients with failed offers in compromise for IRS tax debt. Like most clients, they have been clinging to the hope that there was a solution other than bankruptcy. The comparison of OIC vs. bankruptcy is neatly laid out in an article by Larry Heinkel in the Florida [...]
If you have suffered from a violation of the Fair Debt Collection Practices Act, chances are that you may have suffered injuries under Pennsylvania’s version of the UCC (Uniform Commercial Code) or Pennsylvania tort (personal injury) law as well. In this segment, I will discuss invasion of privacy. Invasion of Privacy Pennsylvania law allows [...]
If you are filing a chapter 13 bankruptcy case and have purchased household goods under a “rent to own” contract, you may wonder how to treat this debt in your chapter 13 repayment plan. Because rent to own contracts typically involve total rental payments amounting to many times the actual value of the items “purchased,” [...]
If you have suffered from a violation of the Fair Debt Collection Practices Act, chances are that you may have suffered injuries under Pennsylvania’s version of the UCC (Uniform Commercial Code) or Pennsylvania tort (personal injury) law as well. In this segment, I will discuss intentional infliction of emotional distress. Intentional Infliction of Emotional Distress [...]
