You may have claims if Sterling Jewelers (Kay Jewelers or Jared Galeria) enrolled you for a credit card or credit product without consent.
Our consumer attorney uses various Pennsylvania, state, and federal consumer laws to help individuals dealing with consumer protections issues.
Know the laws that protect you:
- Fair Credit Reporting Act (FCRA): a federal law that allows you to dispute credit report errors, limits how your credit report can be used, and gives various other credit reporting rights.
- Fair Debt Collection Practices Act (FDCPA): a federal law that prohibits debt collection harassment and deception, allows you to modify how debt collectors contact you, allows you to verify debts, and gives various other debt collection rights.
- Fair Credit Extension Uniformity Act (FCEUA): a Pennsylvania law that gives protections similar to the FDCPA, but applies to original creditors, like banks and lenders, in addition to debt collectors, like collection agencies, law firms, and debt buyers.
- Telephone Consumer Protection Act (TCPA): a federal law that prohibits certain types of calls, texts, and faxes when they are made without consent.
- The Real Estate Settlement Procedures Act (RESPA): a federal law that prohibits certain mortgage origination and services practices, and also gives consumers other mortgage rights, like the right to dispute mortgage errors and request information about a mortgage loan.
- The Truth-in-Lending Act (TILA): a federal law that requires cost and finance disclosures during the loan origination, and provides many consumer protections in the mortgage and credit card industries.
- Unfair Trade Practices and Consumer Protection Law (UTPCPL): a Pennsylvania law that prohibits fraud and deception and that is applicable to various businesses and industries
- Pennsylvania Lending Laws: Pennsylvania has various lending laws that regulate lenders, loan originators, loan servicers, and money handlers, like the Consumer Discount Company Act (CDCA), the Motor Vehicle Sales Finance Act (MVSFA), the Goods and Services Installment Sales Act (GSISA), the Check Cashers Licensing Act (CCLA), the Money Transmitter Act (MTA), Mortgage Licensing Act (MTA), and the Home Loan Improvement Consumer Protection Act (HLICP).