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Things Pennsylvanians dealing with a debt collector should know

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Things Pennsylvanians dealing with a debt collector should know


Should you dwell within the U.S., you then’re statistically more likely to have debt.

In line with Pew Charitable Trusts, eight out of each 10 People maintain some type of debt. In Pennsylvania, the common individual has greater than $80,000 in excellent debt. In Philadelphia, the place greater than 20,000 debt assortment lawsuits are filed in municipal courtroom every year, low- and middle-income Black and Hispanic households usually tend to be impacted, in keeping with analysis by Group Authorized Providers of Philadelphia (CLS) and by The Pew Charitable Trusts.

Debt can seem like many issues from owing hire to landlords or needing to pay bank card payments, to taking out a mortgage for a house or training (that are the 2 largest sources of debt within the U.S.). If there’s ever a time when somebody can’t make a debt reimbursement or a debt isn’t paid again inside a given interval, the one who lent the cash might resolve to gather on that debt.

Right here’s what you must do if that occurs and methods to get assist if somebody engages in illegal debt assortment practices.

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Who’re debt collectors?

Debt collectors are available in many kinds. They are often the creditor themselves, the creditor’s attorneys or third-party debt assortment corporations. In line with CLS senior workers lawyer in shopper rights, Kerry Smith, these debt assortment corporations will also be “debt patrons,” corporations that purchase debt for pennies on the greenback from a creditor that has deemed it uncollectible. In line with Smith, debt patrons make up half of all debt lawsuits filed in municipal courtroom every year.

What are debt collectors allowed to do in Pennsylvania?

Debt collectors and collectors can contact you to request you pay again the debt you owe. Nonetheless, there are guidelines round it. Normally, debt collectors are allowed to indicate up at your property, name or textual content you and ship you mail to your property handle or e-mail handle at cheap hours of the daytime.

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What are debt collectors not allowed to do in Pennsylvania?

In 2000, Pennsylvania handed the Honest Credit score Extension Uniformity Act which regulates how debt collectors can do enterprise and gives protections to debtors in opposition to unfair debt assortment practices.

Listed below are the 5 protections underneath state regulation.

Debt collectors contacting a debtor

Debt collectors are allowed to contact you, however there are guidelines — except a debt collector will get your prior consent or permission from a courtroom to bypass the foundations.

Debt collectors and collectors can’t talk with you:

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  1. At uncommon instances and locations, like at a restaurant throughout lunch break. They need to actually solely be contacting you at your property through the daytime.

  2. Earlier than 8 a.m. or after 9 p.m.

  3. By phone greater than as soon as per week regarding a selected debt

  4. Utilizing a way of communication, cellphone calls or texts, after a debtor has requested that they cease speaking with them through that exact methodology of communication.

  5. At work, if a debt collector is aware of your employer disapproves.

  6. When a debt collector is aware of you might be represented by an lawyer.

Debt collectors speaking with third events

Debt collectors and collectors are solely allowed to speak with third events — like an employer, non-relative or authorized skilled who is aware of of a debtor’s whereabouts — for the aim of getting location or contact details about a debtor. Throughout communications, at no level is a debt collector or creditor allowed to disclose {that a} debtor owes cash.

Debt collectors harassing debtors

Debt collectors and collectors are usually not allowed to make use of abusive practices to attempt to gather a debt from a debtor. This covers a variety of actions:

  1. Threatening a debtor with violence or hurt.

  2. Publishing an inventory of customers who refuse to pay their money owed (besides to a credit score bureau).

  3. Utilizing obscene, offensive or profane language.

  4. Repeatedly utilizing the phone to bother. (For instance, calling or texting a debtor greater than seven instances inside per week for a single debt.) Normally, debt collectors are solely imagined to name you as soon as per week.

Unfair or Unconscionable Practices

Debt collectors can also’t use ways that would deceive you into paying greater than you owe or embarrassing you in public.

Debt collectors are usually not allowed to:

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  1. Gather any amount of cash larger than your debt (except permitted by the settlement that created the debt or by regulation).

  2. Deposit a postdated test prematurely.

  3. Contact your family and friends to report that you’ve debt.

  4. Use deception to make you settle for and pay for gather calls or telegrams.

  5. Contact you by postcard, particularly ones which have details about your debt publicly viewable.

  6. Contact you thru your work e-mail supplied by your employer.

  7. Contact you on social media if the communication is publicly viewable.

False Statements

Debt collectors and collectors are usually not allowed to lie, mislead or make false statements to debtors, together with:

  1. Falsely suggest that they’re related to or affiliated with the federal government.

  2. Falsely suggest that they’re attorneys.

  3. Falsely suggest that you just dedicated a criminal offense.

  4. Falsely suggest that paperwork despatched to you by debt collectors are authorized paperwork.

  5. Falsely suggest that paperwork despatched to you aren’t authorized paperwork, when they’re.

  6. Misrepresent the quantity or authorized standing of your debt.

  7. Misrepresent their title or give false names.

  8. Threaten to file a lawsuit when the debt collector has no grounds to or doesn’t intend to file a lawsuit.

Are you able to inform a debt collector to cease contacting you?

Sure. You possibly can inform a debt collector or creditor to cease calling, texting, sending mail and displaying up at your door (or all of those). You don’t have to have interaction with debt collectors and you may request them to fully cease contacting you, they usually should comply.

In the event that they don’t comply, you may report debt collectors to enforcement businesses, the federal Shopper Monetary Safety Bureau and Pennsylvania’s Workplace of Lawyer Common (extra on that beneath).

What occurs if you happen to ignore a debt collector?

Whereas requesting a debt collector to cease contacting you’ll doubtlessly get them off your again within the brief time period, they’ll nonetheless file a lawsuit in opposition to you, and collectors will report debt data to credit score businesses, so unpaid debt will decrease your credit score rating. Nonetheless, data on a credit score rating solely stays on the report for seven years.

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Consider, in keeping with the Shopper Monetary Safety Bureau, ignoring a debt collector is unlikely to make them cease contacting you.

The way to report illegal debt assortment in Pennsylvania

Federal stage

Report unfair debt assortment practices to the Shopper Monetary Safety Bureau at consumerfinance.gov/grievance. This company additionally has guides on all levels of debt assortment, from when first contacted, to negotiating agreements with debt collectors and if a debt collector sues you. All these guides might be discovered on-line at consumerfinance.gov/consumer-tools/debt-collection.

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State stage

Report unfair debt assortment practices to Pennsylvania’s Workplace of Lawyer Common at attorneygeneral.gov/submit-a-complaint. You can even name toll-free at 1-800-441-2555. The OAG’s workplace can present steerage and sources, however the Lawyer Common additionally sues debt collectors for unfair practices.

Native stage

If sued, report unfair debt assortment practices to Group Authorized Providers to obtain steerage and attainable authorized illustration.

Contact CLS:

  1. Telephone: Name 215-981-3700

  2. On-line: Go to clsphila.org/providers/debt-collection.

  3. In-person: Go to 1424 Chestnut St. on Mondays and Wednesdays from 9 a.m.-12 p.m. or 1410 W. Erie Ave. on Mondays and Wednesdays from 8:30 a.m.-11:30 a.m.

Want monetary counseling? Town provides free one-on-one counseling by Monetary Empowerment Facilities situated all through town. To obtain assist, name 855-346-7445.

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Pennsylvania

Final Call Snowfall Forecast for Sunday’s Snowstorm in Pennsylvania

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Final Call Snowfall Forecast for Sunday’s Snowstorm in Pennsylvania


Winter Storm Warnings and Winter Weather Advisories have been issued by the NWS ahead of our short, but potent snowstorm that is on tap for Sunday. Travel will be dangerous Sunday afternoon and evening in most of the state, and it’ll be one of those days to stay inside and watch a snowy Eagles playoff game.

On the graphic below, you will also see Extreme Cold Watches in Western and Northern PA, issued for Monday to Thursday. There is a strong chance schools will be closed for multiple days this coming week due to the threat of frostbite. We will have those details on Sunday!

Snowstorm Timing

Light snow will move into Southern PA from SW to NE on Sunday morning between 9 – 11 AM. The leading edge of snow will push northeast towards I-80 around lunchtime, meanwhile snow will become heavy in Southern and Eastern Pennsylvania.

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Heavy snow will continue generally along and east of the I-81 corridor through Sunday afternoon, while light to moderate snow falls near I-99 and Route 15 in Northern PA. As we head into the evening, snow will lighten up from SW to NE and begin to move out.

This will be a fluffy snow, which means it won’t be too exhausting to shovel. However it also means as winds kick up behind the storm for the next few days, snow drifts over roadways will be a concern along with the life-threatening cold temperatures.

Below are timing charts for this storm. If you do not see your location, please find the nearest city or area.

Below is the latest future radar from the Hi-Res Rapid Refresh Model as of Saturday evening, lining up with the timing shown above. You will also notice a small chance of mixing in Philadelphia, as well as lake effect snow in NWPA.


Area A: Snowfall accumulation of 6 – 8″ expected. Snow-covered roads will cause dangerous travel conditions soon after snow begins through early Monday morning.

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Area B: Snowfall accumulation of 4 – 6″ anticipated. Roads will become snow-covered, making travel inadvisable after snow starts into early Monday AM.

Area C: Snowfall accumulation of 2 – 4″ expected. Snow-covered roads will lead to very poor travel conditions.

Area D: Snowfall accumulation of 1 – 2″ anticipated. Secondary roads may be covered by snow, causing slippery travel.

Be sure to share this forecast with friends and family!

More details on the harsh cold next week will be posted Sunday.

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Here’s where 6-8 inches of snow could dump on central Pa. this weekend: forecasters

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Here’s where 6-8 inches of snow could dump on central Pa. this weekend: forecasters


Forecasters with the National Weather Service (NWS) are calling for between 6 to 8 inches of snow in parts of central Pennsylvania this Sunday after unusually warm temperatures cover the region Saturday.

High temperatures in Harrisburg, York, Lancaster, Chambersburg and the surrounding areas are expected to be in the low to mid-40s Saturday, before dropping below freezing in the evening, bringing a possibility of rain and snow to the region.

Several counties — including Dauphin, Cumberland, Franklin, Perry, Lebanon, Adams, York and Lancaster — are under a winter storm watch from 7 a.m. to 9 p.m. Sunday, the NWS said.

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Harrisburg’s snow should start after 10 a.m. Sunday, with accumulations up to 8 inches possible. Winds will also be gusting up to 20 miles per hour Sunday.

The NWS said Harrisburg, York and Lancaster will receive between 6 and 8 inches of snow Sunday, while municipalities further west and north — including Chambersburg, Mifflintown and Selinsgrove — should see between 4 and 6 inches.

Forecasters also predicted this weekend’s snowstorm to be “quick-hitting” and “potentially significant” with dangerously cold temperatures and sub-zero wind chills in the following days.

“We expect cold weather this time of year in Pennsylvania, but the extreme cold and windchills that we’re going to see next week mean we all need to make sure that our families and homes are ready for it,” said Pennsylvania Emergency Management Agency (PEMA) Director Randy Padfield. “PEMA will be working with county partners to make sure they have the resources they need to keep people safe throughout this cold snap.”

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According to the National Weather Service, January 2018 is the last time Pennsylvania experienced an extended period of frigid temperatures and dangerous wind chills.

Parts of north-central Pennsylvania are not expected to be hit quite as hard, with cities like Warren, Bradford, Coudersport, Emporium and Wellsboro forecast to receive between 1 and 2 inches of snow by 7 p.m. Sunday.

By Monday, forecasters are calling for frigid temperatures and severe wind chills throughout central Pennsylvania. Harrisburg’s high temperatures for Monday and Tuesday are 19 and 17 respectively, while conditions plummet to around 1 degree both nights.

Governor Josh Shapiro’s office released a statement Friday urging Pennsylvanians to prepare for the winter weather and frequently check forecasts ahead of the storm. The statement also included tips for recognizing cold-related health concerns:

  • Hypothermia causes shivering, exhaustion, confusion, memory loss, slurred speech or drowsiness in adults and bright red, cold skin and very low energy in babies.
  • Frostbite causes a loss of feeling and color in affected areas, and symptoms include a white or grayish-yellow area of skin, numbness or skin that feels unusually firm or waxy.

Staying indoors is the easiest way to avoid cold-related health issues, but if you must go outside consider the following:

  • Make outdoor trips brief and dress warm in layers
  • Cover your ears, head, mouth and face
  • Never ignore shivering – it’s your body’s way of saying you’re losing heat and it’s time to warm back up

Older adults often make less body heat than younger people due to slower metabolisms and less physical activity. Anyone over 65 is recommended to regularly check the temperature in their homes during this weekend and next week.

PennDOT wants to remind Pennsylvanians that driving during winter weather can be dangerous. If you do hit the road, it is important to prepare beforehand.

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Make sure your vehicle has a full tank of gas, safe tires, a full reservoir of windshield wiper fluid and working windshield wipers. PennDOT also recommends having food, water, warm clothing/blankets and any other necessary items — such as medications or baby/pet supplies — in your vehicle if you choose to travel.

The Pennsylvania Public Utility Commission (PUC) and UGI Utilities issued statements with tips and tricks ahead of the winter storm, which is expected to drive up demand for electricity and natural gas.

The PUC included the following advice:

  • Adjust your thermostat – Lowering the thermostat a few degrees, especially during times you are away or asleep, can significantly reduce energy consumption
  • Seal leaks and drafts – Use weather stripping, caulk, or door sweeps to block cold drafts and keep warm air indoors
  • Use natural sunlight – Open curtains and blinds on sunny days to let in warmth and close them at night to retain heat
  • Bundle up indoors – Dress in layers and use extra blankets to stay warm without turning up the heat excessively
  • Maintain heating systems – Change furnace filters regularly and schedule maintenance if possible, ensuring systems run efficiently
  • Unplug and power down – Turn off lights and unplug electronics when not in use to conserve electricity

Additional tips from UGI include never using a gas-powered range or oven to heat a home, clearing snow and ice from meters and vents by hand or with a broom, allowing faucets to drip slightly to prevent freezing and opening cabinet doors to warm exposed pipes.

Anyone using portable heaters should follow the manufacturer’s safety instructions, including plugging the heater directly into a wall outlet, not an extension cord or power strip.





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Trump’s Big Reward To Agent Who Saved His Life In Pennsylvania; Sean Curran To Lead Secret Service

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Trump’s Big Reward To Agent Who Saved His Life In Pennsylvania; Sean Curran To Lead Secret Service


US President-elect named Sean Curran as the next director of the Secret Service. Curran has been with Trump for the last four years, leading his personal security detail. Curran also helped cover Trump when a gunman opened fire at him during a campaign rally in Pennsylvania on July 13, 2024. Watch this video to know more.

 





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