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Consumer Protection

Pennsylvania Consumer Protection Lawyer Defends Your Rights

Bethlehem, Pennsylvania Attorney Targets Unfair, Deceptive and Fraudulent Trade Practices

At the Law Office of David Kennedy Bifulco, P.C., protecting your rights is my priority. I assist consumers in the Delaware and Lehigh Valley areas with issues involving creditor harassment, predatory lending, unwanted solicitations and other consumer issues. I can help you with claims involving creditors, businesses and scammers.

Attorney With Knowledge in State and Federal Consumer Protection Laws

My firm has helped clients take full advantage of federal and state laws protecting consumers against these types of disreputable practices:

  • Oppressive debt collections — Bill collectors are prevented by law from using false, deceptive or misleading representations or means to obtain payments on overdue accounts. The federal Fair Debt Collection Practices Act generally forbids harassing or annoying debtors, threatening them with arrest or litigation, making early morning or late night phone calls, contacting them at their place of business, speaking to their friends and family or contacting debtors directly once it is known they are represented by a lawyer. I know how to use the FDCPA to stop collectors from using these oppressive tactics against you and to win money damages and attorneys’ fees in your behalf.
  • Predatory lending — There are many and varied schemes by which disreputable lenders target vulnerable consumers, including excessive interest, hidden fees and penalties and deceptive loan-repayment structures. The federal Truth in Lending Act and Home Ownership and Equal Protection Act bar such illicit practices in general and for loans secured by liens on borrowers’ dwelling, such as purchase-money mortgages, refinances, closed-end home equity loans and open-end credit plans. These laws provide remedies that I can effectuate in your behalf, including working to prevent creditors from taking enforcement measures like foreclosure against you.
  • Unfair billing — I help my clients avail themselves of the federal Fair Credit Billing Act, which bars invalid billing practices such as charging the wrong amount, charging for merchandise never received, sending bills to the wrong address or failing to post payments and credits or to reverse unauthorized charges. The law also gives you the right as a borrower to dispute charges you believe to be erroneous or fraudulent, such as where you may be a victim of identity theft. I can also champion your rights under the Fair Credit Reporting Act to review your credit score and dispute any mistakes in your credit report.

I am committed to protecting your rights as a consumer through all available remedies, including complaints to the Pennsylvania Bureau of Consumer Protection, which investigates fraud and deception in the sale, servicing and furnishing of goods and services, and the Fair Trade Commission’s Bureau of Consumer Protection, which enforces federal laws dealing with unfair or deceptive consumer practices. I can also enforce your rights by bringing suit in court in appropriate circumstances.

Contact Me Today to Schedule a Free Consultation

If you believe you have been a victim of unfair business or lending practices, you need a skilled consumer protection lawyer who can advise you of your rights and provide you with a tailored legal strategy to vindicate them. Call the Law Office of David Kennedy Bifulco, P.C. in Bethlehem at 610-676-0650 or contact me online to schedule a confidential consultation.

Client Reviews

A civil complaint was recently filed against me over a credit card debt. I contacted Mr. Bifulco after reading some online reviews of his legal services. He got back in touch with me almost immediately. After so much...


Mr. Bifulco Is The Attorney You're Looking For. I called Mr. Bifulco's office to get a consultation related to a personal loan I made to a friend two years ago. I didn't intend to file a lawsuit yet, but wanted legal...


Mr. Bifulco didn’t just win my case... from the first email to the tenth, to the phone calls and the court appearance he made me feel heard and helped me. He didn’t fill me with false hopes, and from day 1 gave me...


The Best. I was being sued by a previous credit card company and had no idea what to do. I looked around for lawyers and found David online. Having no idea what I was doing or what the process was, David was so helpful...


We had a tragic event happen to us on a Friday evening. We tried to handle it ourselves but realized it was over our heads. We needed help but it was the weekend. Sure enough David took our call right away and helped us...


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Fill out the contact form or call us at (610) 676-0650 to schedule your free consultation.

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