A VOICE FOR CONSUMERS
Gorski Law is a boutique firm dedicated to giving a voice to consumers who have been adversely affected by the wrongs of the consumer data and debt collection industries. Located in Philadelphia, Gorski Law represents consumers in Pennsylvania, New Jersey and nationally. Initial consultations are always free. Call the firm for more information, schedule a telephone consultation, or browse our practice areas below to learn more about how we can help.
CREDIT REPORT ERRORS
Credit reports can contain a variety or errors that can adversely affect your credit score. Common problems include: mixed credit with another person, confusion between family members who have the same name, identity theft, being reported as deceased, outdated credit information, and mistakes in bank records.
FALSE EMPLOYMENT HISTORY
Potential employers will now routinely purchase reports that contain information about your employment history. These reports can include where you have worked in the past, how much you earned at another company, or potential disciplinary actions against you at another job. These reports can convey inaccurate information about your work history or can misrepresent the reasons you left a job in a manner that disparages you or places you in a negative light.
BACKgroUND CHECK ERRORS
Background checks can contain errors that can get you fired from your job, stop you from renting an apartment and cause tremendous personal embarrassment. The problem typically involves reporting public records that belong to someone else. The most common example of this is mismatched criminal records. Other types of records that are also commonly mismatched are civil judgments, tax liens, bankruptcies, eviction proceedings, sex offender status and the terrorist watchlist (OFAC List).
DEBT COLLECTOR HARASSMENT
Debt collectors are prohibited from engaging in numerous methods of collection tactics that the law has deemed harassing, oppressive, abusive, deceptive, unfair or misleading. This conduct can include incessant calling, false threats, or contacting relatives, neighbors or your employer about the debt. The most troubling circumstance is when you are collected upon for a debt that is not yours or that you already paid.
VICTIMS OF IDENTITY THEFT
Identity theft is when a person uses your name or other personal identifying information (e.g. address, date of birth, social security number) to defraud another person or entity. The typical perpetrators of identity theft are more expansive than one might think. Although unknown hackers or organized crime outfits get the most media attention, they are not the only ones that could be responsible for stealing your identity. Other common sources of identity theft are family members, ex-spouses, co-workers, accountants or financial planners.
UNWANTED PHONE CALLS
Creditors, debt collectors and telemarketers generally cannot call your cell phone using recorded messages or automated dialing systems (ATDS) unless you have given them your express consent to do so. Moreover, you also have the right to revoke your consent at any time. This prohibition also applies to SMS text messages. Every time you are called without your permission, a violation of the law has occurred. Getting these calls to stop can be difficult, even when you tell them to stop calling you.