Collections Lawyers in Philadelphia
Serving Media, Philadelphia & Surrounding Areas
In Media, PA and Philadelphia, collections lawyers practice law to ensure debtors are treated fairly by debt collectors. This is the work of Robert P. Cocco, P.C., who is among the most recognized collections lawyers in Philadelphia who work exclusively for consumers to ensure their rights under Pennsylvania and federal statutes.
The laws are clear. Debt collectors must treat you with fairness, dignity, and respect. Debt collection lawyers in Philadelphia can tell you that a debt collector who abuses you for the collection of a consumer debt can be sued in federal court for damages caused to you. This is covered under a law called the Fair Debt Collection Practices Act (FDCPA). Working on your own or with the aid of Philadelphia debt collection lawyers, you can rest assured that debt collectors cannot do the following:
• Threaten you with lawsuits, liens, or arrest for not paying a bill
• Call your neighbors, friends, or employer about your debts or ask them to give you messages
• Yell, swear at, insult, or otherwise disrespect you on the phone
• Call you at your work after telling them to stop
• Leave anonymous phone messages
Collections lawyers in Philadelphia endeavor to help those in debt achieve the full protection of the law when a creditor is in violation of any of these rules. Robert P. Cocco is experienced in this area and has received a community leadership award from State Senator Shirley Kitchen for stopping abuse in consumer financial transactions.
Philadelphia Collections Lawyer and Mortgage Abuse Protector
One area of consumer law where a collections attorney is most valued is around problem mortgages.
The Law Offices of Robert P. Cocco, P.C. are versed in the tactics and law around mortgage abuse, predatory lending and other unfair consumer financial transactions. The laws are written to ensure fairness, so that consumers can proceed with caution and confidence in a system that is fair and predictable.
Your mortgage company is regulated by multiple federal laws, including the Real Estate Settlement Procedures Act (RESPA), the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA). Under these laws and state consumer protection laws, debt collectors must do the following:
• Accurately disclose certain important terms of your loan
• Accurately account for all payments you make
• Not charge you junk fees and penalties
• Give you an interest rate based on your credit—not race, age, or gender
When those laws are violated, an attorney with experience in these topics can help guide you with getting loan terms that are fair and manageable.
Collections Lawyer in Media and Auto Fraud
Media collection lawyers also concern themselves with the Motor Vehicle Sales Finance Act, the Pennsylvania Code, the state Lemon Law, and the Uniform Commercial Code.
Under these laws, Media collections lawyers prevent car dealers from doing the following:
• Giving you unfair credit terms
• Selling you a used car without disclosing that it was previously a rental car or if it has serious defects from an accident
• Changing the credit terms after you finalize your purchase and drive away
Media Collections Lawyer
Robert P. Cocco is recognized among debt collections lawyers in Philadelphia and Media, PA for his work protecting clients from abusive creditors. For more information, call 888-326-9732.
