The Fair Debt Collection Practices Act ("FDCPA") and related laws can stop unscrupulous debt collectors who try to collect settled or paid debts in Pennsylvania. Violations of these statutes can result in payment of damages for the debtor, including attorney's fees.

Mortgage foreclosure defense in Pennsylvania can buy you time to bring your loan current, sell your home, or make other plans. In many cases, foreclosure defense can lead to a mortgage modification, settlement, or both. You can sometimes modify a mortgage while in bankruptcy.

A mortgage modification in Pennsylvania may involve a reduction to your interest rate, rolling any back payments into the loan principal (capitalization of the arrearage), or extending the term of your loan.

The four-year Pennsylvania Statute of Limitations on debt is an often overlooked but powerful defense for consumers facing aggressive creditors. Debt collectors do not want you to know this, but sometimes a debt is just too old to collect.

The Pennsylvania Statute of Limitations on debt is a powerful tool for dealing with unfair collection practices. Unfortunately, debtors often make costly mistakes in applying the Statute of Limitations.

Debt collectors often use intimidation, lies, and harassment to collect debts. (Witness the debt collectors in Pennsylvania that set up a fake court.) Fortunately, you can protect yourself from these unscrupulous creditors and collectors.