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SKA Law is a premier, Philadelphia criminal defense law firm, founded by professional criminal attorneys. We take on cases other law firms turn down, because we know how to fight – and when to negotiate. Our goal is to get you the best outcome possible. No fluff. No nonsense. Our focus is results.
SKA Law takes on fewer clients than other firms – it’s because we believe that taking on fewer clients means we can provide more service, and better results.
Our firm has over 25 years of combined legal practice. Our Philadelphia criminal attorneys have been recognized by the top lawyer ranking services.
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We take on fewer clients than other firms. Each client works 1:1 on with one of our senior attorneys.
The advancement of technology has allowed stealing credit card information to become effortless. Using someone else’s credit card without permission is considered fraud, and it’s a severe crime. The deceptive practices used in these schemes can cause excessive damage to the victim’s credit rating. It’s a complete nightmare to get finances back in order after suffering from such an ordeal. Anyone who has experienced credit card fraud needs an experienced attorney on their side. Many rights and actions can be taken to ensure you are protected.
While most people think of credit card fraud as stealing someone else’s card or using the number to make purchases, there are other ways that a person can be a victim. Credit card companies want to make money, even if it means charges excessively and masking things that the consumer needs to know.
Many consumers are surprised to learn that credit card companies have many things that help to defraud their customers. They use deceptive practices that most individuals do not know of. These practices include hidden and late fees, charging for items not purchased, not disclosing APRs, double charging, and not crediting past payments.
What are these hidden fees that they include on the bills? Well, charges for withdrawing money from an ATM, cash advances, transferring a balance to another card, foreign transactions, and giving checks that can be written against the available credit on the card. What’s more shocking is that the American people are spending more than $31 million in excessive fees charged by their credit card companies.
Take for instance masking APRs. Many credit cards will offer a low introductory interest rate to get people to open an account. However, the interest rate is only for a certain amount of time, and it will change in six months or a year. They don’t send notices to remind the consumer about the change; they just see that their bill increased. They mask the true cost of owning the card and keep customers in the dark.
Another trick that commonly occurs with credit card companies is double charges. If you go through the drive through to grab dinner, the credit card company may charge you twice. They get by with this because many people don’t check their statements, and they pay the amount due. Going back through records might be surprising as many consumers find they have numerous double charges they knew nothing about.
Consumers are notorious for paying their bills at the last minute, and credit card companies use that to their advantage. A payment that should have been credited by the due date is conveniently marked a few days late. By doing this, they can collect extra fees by assessing a late charge. Lastly, many consumers find they are billed for memberships and other charges that they never initiated. Unfortunately, many of these things go unnoticed until people have paid hundreds in excess from their pockets.
There are both state and federal laws that protect all consumers from credit card fraud. The FCBA or Fair Credit Billing Act has regulations that help people who are victims. Under these rules, a person who has a billing error has a right to have it fixed instantly. They help to protect credit scores while disputing charges with a credit card company. Also, they monitor and ensure a company is using proper billing practices.
Those who have been a victim can collect damages for their trouble. They can receive up to twice the amount of any finance charges they have incurred, with a cap of $1,000. If they must pay for attorney fees or court costs, then those will also be covered. If you or someone you know has been the victim of credit card fraud, then you need the experience of a legal representative by your side.