Jeffrey Mehalic’s Legal Blog

Accepting Cases in Morgantown, Wheeling, Martinsburg & Nearby West Virginia

How to Fix a Credit Report Error

November 26, 2019
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A credit report can make or break your ability to qualify for a loan, where you are able to live, your employment opportunities, and much more. Errors on a credit report can turn your life upside-down, closing doors and costing you money. There are steps you can take to correct credit reporting errors, but the process can be time-consuming. If you're struggling to resolve an error or the reporting agency fails to correct its mistake, hiring an attorney may be in your best interest. How Do I Know If My Credit Report Contains an Error? The best way to catch errors is to request a credit report from the major credit bureaus. Transunion, Equifax, and Experian are required by law to provide… Read Full Post

Why Am I Being Harassed by Debt Collectors?

November 11, 2019
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Being contacted by a debt collector is scary. You already feel the pressure of falling behind on payments, and someone reaching out to you about what you owe creates additional stress. The law does protect creditors' rights to collect the money they are owed. However, debtors also have rights, including protection from harassment. The first key to stopping debt collection harassment is to understand what the law considers harassment. If you are indeed being harassed by debt collectors, there are steps you can take to protect your rights – up to and including hiring an attorney. What Is Harassment? State and federal laws define unlawful conduct by debt collectors in a variety of ways,… Read Full Post

How Do I Stop Robocalls?

October 22, 2019
If you’re being harassed by spam calls, telemarketers, or even frequent calls from legitimate creditors, your recourses may include getting on the Do Not Call Registry and pursuing legal action. Unwanted calls can be more than a nuisance. They can inundate you to the point that they disrupt your daily life, affect your peace of mind, and run up your cell phone bill. Consumer protection attorney Jeff Mehalic believes that no one should have to put up with these calls, even from lawful debt collectors. He can help you put a stop to them and potentially recover compensation. This blog breaks down how to stop these odious calls. What is a Robocall? The Telephone Consumer Protection Act, or… Read Full Post

How to File a Lemon Law Claim in West Virginia

September 30, 2019
There are few feelings worse than finding out that the vehicle you just purchased is defective. Buying a "lemon" can cost you hundreds, even thousands, of dollars on top of the original sale price. It can also cause serious injuries or fatalities if your car fails while you're driving it. To protect consumers from dealers who sell such vehicles, West Virginia's lemon law allows people to sue the dealers or manufacturers who sold them lemons. This blog from consumer fraud attorney Jeff Mehalic breaks down how to file a claim under the lemon law. With more than 30 years of experience protecting ordinary people from fraud, Jeff is dedicated to fighting powerful institutions on his clients'… Read Full Post

Medical Debt Facts

August 28, 2019
Medical debt is one of the biggest blights afflicting American consumers today. Because injuries and illnesses can happen without warning, you may not be financially prepared when you incur substantial medical expenses. You may also get unexpected bills or be denied insurance for something you thought was covered. Attorney Jeff Mehalic has seen it all. In more than 30 years of practicing law, Jeff has dedicated himself to protecting the victims of debt collection harassment, including medical debt. When Jeff has your back, you no longer must deal with debt collectors. They must deal with him. Here is a guide to the reality of medical debt in America. Medical Debt Statistics If you have… Read Full Post

Illegal Debt Collection Practices

August 23, 2019
If you're being bombarded with calls from debt collectors, you may not know if their practices are illegal. This infographic breaks down what creditors are not allowed to do to try to collect a debt. Schedule Your Morgantown Debt Collection Harassment Lawyer Consultation Today Attorney Jeff Mehalic has more than 30 years of experience fighting on behalf of ordinary people who have fallen on hard times. As a determined debt collection harassment lawyer, he is dedicated to ensuring you're treated fairly by the system. Mr. Mehalic practices alone, so your case will not be passed off to another lawyer. He will commit every ounce of effort to your case. Mr. Mehalic serves Morgantown, Wheeling… Read Full Post

West Virginia's New "As-Is" Law for Used Cars Sales is Bad News for Consumers

August 18, 2019
I am contacted frequently by people who have bought used cars that turn out to have more or different problems than the seller disclosed. Often, I can help them, sometimes I can’t. But anyone considering buying a used car in West Virginia (or who has bought one recently) needs to know about a law that went into effect on July 1, 2019. West Virginia Code § 46A-6-107a, which is located within the Consumer Credit and Protection Act, is entitled “Used motor vehicles sold ‘as-is’” and specifies when a used vehicle can be sold as-is, i.e., without any implied warranty. If a used vehicle is: inoperable and a total loss; or has been custom-built or modified for show purposes or racing; or any one… Read Full Post

Make Sure Your Zombie Debt Doesn't Come Back to Life

August 11, 2019
Thanks to The Walking Dead and a generation of horror movies that came before it, most everyone has heard of zombies. But not everyone has heard of zombie debt, which is debt that is dead because it's uncollectible, but can be brought back to life through improper or illegal actions of the debt collector trying to collect it. Here's how it works: once a credit card company or other creditor charges off, i.e., writes off, an account with a balance, such as a credit card account, as uncollectible, the creditor may sell the account, along with thousands of others, to a debt buyer, which then arguably owns the right to try to collect on the account and keep whatever it can get. That may be a… Read Full Post

Debt-Collection Cases Increase in Texas, Despite Its Surging Economy (So What Does That Mean For West Virginia?)

July 30, 2019
I want to share an alarming article in the Houston Chronicle last week that talks about the drastic increase in the number of debt-collection cases filed in Texas courts, even though the Texas economy is doing great. Many of the cases are filed by debt buyers, which are companies that buy debt written off as uncollectible, usually from credit card companies, for pennies on the dollar. That means that the debt buyers don't have to recover a lot of money in a particular case to make money on their purchase of the uncollectible debt. And it also means the debt buyers have no reason not to try to squeeze some money out of the consumers whose debts were written off as uncollectible. According… Read Full Post

Are You Eligible for an Equifax Data Breach Claim?

July 28, 2019
Equifax has agreed to a proposed settlement of the lawsuits resulting from the 2017 data breach that affected 147 million Americans. Here’s the Equifax Data Breach Settlement website, where you can find out if your information, such as your name, address, Social Security number, and even your driver’s license number, was affected by the breach. If it was, you're eligible to file a claim, which entitles you to free credit monitoring or, if you already monitor your credit, a cash payment of $125. You may also be eligible for compensation including other cash payments to compensate you for the time you spent investigating or fixing your credit, your out-of-pocket expenses, up to 25% of the… Read Full Post