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Consumer Loan Attorney Pennsylvania
BCJ Law helps consumers when they’re having problems with banks, finance companies, loan servicers, and other lenders and financial institutions. We often can help consumers free of charge because many state and federal laws allow us to get our fees from the bank, lender, or loan servicer that harmed you. To get a free case review from BCJ Law’s consumer loan attorney, call us at 1-800-997-5561, or complete our contact form.
Understanding loan "origination" and "servicing."
Loan “origination” and “servicing” are two terms used to described the life-cycle of a loan. “Origination” refers to the process of applying for an getting a loan. The Truth in Lending Act (TILA) requires various disclosures when you take out a loan. “Servicing” refers to the management of your loan until it’s paid back. This includes making payments, loan modifications, correcting account errors, and so on. There are various laws that apply to loan servicers, including TILA, the Fair Credit Reporting Act (FCRA), the Real Estate Settlement Procedures Act (RESPA), and various other laws.
What rights do I have when taking out a mortgage?
What rights do I have when using a credit card?
TILA provides consumers important protections for credit cards fee and interest rate abuse. Here are some protections you have:
The Fair Credit Billing Act (FCBA) also gives consumers the right to correct errors on credit card statements. To learn about fix credit card errors, visit out fixcreditreporterrors.com website and read our post on how to correct wrong credit card statements. If you need help call us at 1-800-997-5561 or complete our contact form.
What rights do I have when taking out a personal loan?
Pennsylvania’s Consumer Discount Company Act (CDCA) prohibits certain types of charges, interest, and other fees for personal loans. Additionally, TILA requires certain disclosures so consumers know the cost of their loan. Here are or the rights you have:
What rights do I have when paying on student loans?
There are many federal rules and regulations that give students valuable legal rights. Here are some rights you have:
What rights do I have when taking out a car loan?
Pennsylvania’s Motor Vehicle Sales Finance Act (MVSFA) prohibits certain types of charges, interest, and other fees for auto loans. Additionally, TILA requires certain disclosures so consumers know the cost of their loan. Here are some protections you have:
What other protections do I have with regard to the lending industry?
In addition to the specific rights you have for mortgages, credit cards, personal loans, student loans, and auto loans, you have several additional rights that apply generally to the lending and finance industries.
The following laws give you important rights when interacting with lenders, debt collectors, finance companies, loan services, and other actors in the lending and finance industries:, the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and, Pennsylvania’s Fair Credit Extension Uniformity Act (FCEUA), and the Pennsylvania’s Unfair Trade Practices and Consumer Protection Law (UTPCPL).
What lenders and loan servicers operate in Pennsylvania?
There are many types of lenders and loan servicers that originate and service loans in Pennsylvania. Here are lists concerning some of the more complained about loan originators and servicers.
I. Mortgage Lenders and Servicers:
These companies either originate mortgage loans or servicer mortgage loans. They include the following:
II. Credit Card Issuers and Servicers:
These companies either open or manage consumer credit card accounts. They include the following:
III. Non-Bank Finance Companies:
These companies are non-bank lenders that make and manage personal loans, auto loans, mortgage loans, and other types of consumer installment loans. They include the following:
IV. Student Loan Servicers:
These companies are hired by the government or private student loan lenders to take payments on and manage student loans. They include the following:
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