PHONE: (412) 378-5854
Open hours: 8.00-4.00 Mon-Fri
I fell behind on the mortgage and the bank is foreclosing on my house. How long do I have before I have to get out?

It largely depends on what stage of the mortgage foreclosure process you are currently in. So for example, if the mortgage company has no judgments against you yet then you may have months before eviction. This is only the case if you do not respond to the lawsuit though.

However, if the mortgage company does already have a judgment against you, you still have some time. You will have at least a number of months before being forced to move.  And with the help of an attorney, it could turn out to be years before you have to leave.  If you would like to learn more about how we can help, please call our office at (412) 378-5854.

How can I improve my credit score? I want to repair my credit so I can buy a house.

There are a number of ways in which you can repair your credit. But largely they come down to the same thing: paying down your debts on a regular basis.

A credit score is kind of like a condensed version of your financial history. All of your purchases, your payment history, and the amount of debt you owe is conveyed by that number. So if you want to repair your credit, then you need to make timely payments to reduce the debt. As a result of this, you will eventually create a better credit history and your score will reflect this accordingly.

While going through this process, it’s important to regularly check your credit report. This is to both keep track of any changes, and ensure its accuracy. You can do this for free each of the three major credit bureaus (Experian, Equifax, and TransUnion). This is a service that’s available once per year at

Contact our credit repair lawyers today to learn your rights when it comes to your credit.

I fell behind on my student loan payments and now I'm being sued. What can I do?

Anything related to student loan debt can be intimidating, however, that does not mean you are without rights. In this case, you could defend the lawsuit!

It sounds like you are being sued for collection by a private student loans company. I say this simply because the government doesn’t need a judgment to pursue repayment from you. So the fact that you’re even being sued in the first place does seem to indicate that this is a private company.

Now, private loans are more likely to have been bundled together and “securitized”. Or in other words, sold to different investors in little pieces. If you are being sued by one of the National Collegiate Student Loan Trusts, or any other company with “Trust” in the name, that is typically what happened.

If this is the case, if you are being sued by a Trust, then you have some room to move. The key to cases like this is the fact that your loan is no longer in the hands of your original lender. You see, because the loan has changed hands, it is much less likely that the Trust will have some necessary legal documents.

A trust would need the original documentation to prove the following:
1. The terms of the loan
2. That the amount you’re being sued for is correct.
3. That it actually owns your specific loan.

While it may be unlikely that the Trust has any of these documents, it is especially unlikely that the Trust has the documents to prove #3.

Please call our office at (412) 378-5854 to find out more about how we can help you.

I fell behind on credit card payments and now I'm being sued. What can I do?

There is actually a LOT that you can do if you’re being sued. And this is especially the case when it’s by a company that’s different from your original credit card issuer.

The reason for that is because these debt buyers basically buy up debt like yours for a fraction of the actual debt value itself. I mean, we’re talking a few cents on the dollar here. So real cheap. These companies then turn it around and then try to collect on the full value. Now the thing about these debt buyers is that they seldom collect all the information they need. For example, they often neglect to collect the proof of sale to prove they even own a debt, or evidence of the amount of debt.

This means that they are almost always unable to prove their case against you when forced to do so. So it’s always worth considering whether or not you can defend this kind of suit.

To learn more about credit card collection laws, contact us give our office a call at (412) 378-5854.

I have been trying to modify my mortgage for months to avoid foreclosure, but the mortgage company keeps losing my paperwork and asking me for the same things again and again. What can I do to get my loan modified?

This is a tough situation. Because it can be very difficult to get a mortgage modification depending on who the servicer and owner of your loan are. You can actually check your eligibility for a mortgage modification online. Simply go to go to and fill out the data fields. This site will then give you your NPV, or “Net Present Value”. It’s this number that servicers and lenders then use to determine whether or not you qualify for a modification.

If your servicer continues to “lose” your paperwork, you should consider filing a complaint with the Consumer Financial Protection Bureau. You can find out more about how to do that at

Finally, call our office at (412) 378-5854 to schedule a consultation. Loan modifications are tricky and much depends on what companies are involved.

There are errors on my credit report. How do I get them off?

The first thing you need to do is dispute the entries you don’t recognize with the three major credit bureaus. This needs to be done in writing, NOT online. You will also need to dispute (also in writing) the entries with whichever company is reporting the erroneous information. In order to do this, you will need to write the credit bureaus at the following addresses. Do not forget to make a copy of your dispute letter to keep for your records.

P.O. Box 740256
Atlanta, GA 30374

P.O. Box 9701
Allen, TX 75013

P.O. Box 2000
Chester, PA 19022

It may be the case that the credit bureaus investigate and still don’t remove the incorrect information. Then you may need to take some additional steps that require an attorney’s help.  To learn more, call our office at (412) 378-5854.

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One More Question?

Have a question but don’t see it covered here? Please don’t hesitate to contact us, and we’ll be glad to add it to our ever-growing FAQs!

Phone: (412) 378-5854
Pittsburgh, PA 15218
2011 Noble Street, Suite 201