Radcliffe & DeHaas, L.L.P.

Recently,there has been much media attention about mortgage foreclosures and the creditors (banks in most cases) not acting legally in filing them. Many times a house owner becomes frustrated with the debt collectors misleading them, charging them improperly for late fees and being totally inconsistent in communications. Further when the mortgage foreclosure suit is filed by the creditor, the complaint contains erroneous information or the home owner doesn't even know who the creditor is that is filing the suit.

It appears there is no one place a debtor can go where he will get a straight answer from a creditor as to how much is really owed, what he can do to keep his house , and what comes next. The home owner many times then essentially gives up, losing their home.
The debtor may be unaware of rights he or she have under Pennsylvania law. Specifically the debtor can't be mislead or deceived by a creditor.
Further, we think he or she has a right to halt the foreclosure action in many cases.
This is also an area in Pennsylvania that a class action might be appropriate, as many people are being wronged in a similar way. The first step for a homeowner is to consult with an attorney who specializes in that area and inquire of federal programs such as HAFA. The next step is don't give up,just because money is owed doesn't mean there isn't a way to keep your home.

There have been a number of recent articles in the media about major companies allowing their customers' social security numbers to be obtained by outsiders who "hacked" into the company's computer system. The most recent has been Penn State University's revelation that some of its students' social security numbers could have been accessed. There is nothing that can affect a person's credit rating any faster than having unauthorized persons obtain their social security number. Apparently at Penn State it has happened more than once.

Under Pennsylvania law, a victim of such unauthorized disclosure gets some protection from theft by obtaining a free "fraud alert" from a credit reporting organization for 90 days to make sure their has been no misuse of their credit. However, after that 90 day period, the victim must continually check to see if his or her credit has been accessed. That costs money and takes time, and Penn State is not reimbursing such victims in the absence of a breach.

If you find out your credit has been affected by an improper disclosure, contact our firm. You shouldn't have to pay for the problem.

In Pennsylvania, if you are injured in a car accident and the person at fault doesn't have enough coverage to compensate you, normally your own insurance carrier would provide UNinsured and UNDERinsured coverage for you. Both UNinsured and UNDERinsured coverages are optional in Pennsylvania.

Understandably many policyholders reject such coverages due to costs. However, many times even though your policy shows you rejected UNinsured or UNDERinsured coverage YOUR REJECTION FORM IS INVALID. If it is, then you are entitled to the coverage.

We have been successful in making claims for UNinsured and UNDERinsured coverages against an insurance company. So if you were injured in a accident and weren't compensated for your injuries because you thought you didn't have UNinsured or UNDERrinsured coverage give us a call, maybe we can help!

Our firm believes that there may be many occasions in this expanding oil and gas market in southwestern Pa , when the gas company (producer) either unintentionally or otherwise takes unfair advantage of land owners tied to older gas leases. Many of the old leases were standard and may not stand up to legal scrutiny today.

One recent example of this was noted by the Pennsylvania Supreme Court in a recent decision which examined the minimum royalty statute in Pennsylvania. That law requires a minimum 1/8 "royalty". But in some old leases the company was deducting from the minimum 1/8 royalty the costs for transportation of the gas after it left the ground. By calculating the royalty this way the company reduced the amount the landowner received to below 1/8. Unfortunately the Supreme Court in its interpretation of the term "royalty" allowed those leases to remain in effect and keep numerous landowners bound to some leases that are 20 to 30 years old.

However, we think those older uniform leases may be invalidated in a class action on other bases. So if you have an older lease, let us look at it. We can tell you if we think you are being treated unfairly by the the gas companies.

Subrogation is a big legal word and it affects people injured in accidents every day. Health insurance carriers,as an example, say it gives them the right to recover for medical bills the carrier paid when you have been injured in an accident. That doesn't sound bad until you find out health insurance companies can use it to see they get reimbursed BEFORE you recover.

As an example,assume you are injured in a auto accident and you lost earnings due to your injury of $8,000. The person who is responsible for your injuries only has insurance coverage of $15,000. But the health insurance carrier paid your medical bills of $12,000 (for which you paid a premium) and wants paid back for their bills FIRST! So if you listen to them you would never get reimbursed for your loss of earnings.

Fortunately that is illegal in Pennsylvania in most situations, but it doesn't mean health insurance carriers don't improperly try to subrogate. At Radcliffe & DeHaas we have filed class actions to stop that practice and recovered for hundreds of people who were wronged in that manner.

So just because an insurance company uses big words like subrogation, don't be fooled- talk to an attorney.

One of the kinds of cases we enjoy handling are class actions. That is just another name for a small case for one person, that is a big case for a lot of people. Most lawyers don't handle those because they are too complex, take too much time, or the other side has this big law firm with all these lawyers against you

We don't see it that way. If we can get $1,000 back for 100,000 people with the big company (Highmark or Progressive) paying for your attorney, we think that is a great way to make the law work for the "little guy". One case took 10 years but we still got it done and the people we represented recovered from $5,000 to $50,000.

So when you have a wrong, that you think a number of people have been wronged the same way, call us. We can normally tell you right away if we think we can help you. That's why we say cases big or small, we take them all, and we do.

Our firm likes representing the person who has no connections, who is working hard but gets cheated by the big corporations. One example of that we saw in a recent Post- Gazette article that discussed how Walmart and others are deducting too much sales tax from some purchases made with a coupon. It appears walmart calculates the tax based on the coupon price not the after coupon price. Thus the State gets paid too much. Of course its only a few pennies most of the time, and a Walmart spokesperson was almost cavalier in the response in the article, indicating they knew of this problem for some time but it was a computer issue (isn’t that a common excuse – blame it on the computer?)

From a lawyer standpoint if a client approaches attorneys with this issue, 99% won’t take it, as it doesn’t make economic sense. Even the “big” plaintiff’s firms probably wouldn’t be interested ( “We will get a few cents for you”).

That is what we like doing, going against the big corporation (Highmark, and Progressive are 2 examples) as we enjoy figuring out ways to get justice that makes economic sense. In the Walmart situation a class action for all of the people who have been cheated might be the answer . But it takes a lot of planning ( this isn’t some simple rear end collision from a legal standpoint) and experience handling them. So check your receipts out.