No fee consultation for consumers facing debt collection abuse, finance overcharges, credit report problems, and other consumer law issues. Serving Philadelphia, PA, south New Jersey, and surrounding areas for more than 25 years.

Advocate for the Consumer

Cary Flitter - lawyer and advocate for the consumer

For over twenty-five years, Cary L. Flitter of the law firm Lundy, Flitter, Beldecos & Berger, PC  has been fighting for consumers in the Philadelphia, Pennsylvania area, South Jersey and beyond.  He has won many individual cases and class actions on behalf of average folks whose rights had been violated by debt collection agencies and bad debt buyers, credit card companies, unscrupulous car dealers, mortgage brokers and lenders, identity thieves, insurance companies, and credit reporting agencies.  Flitter teaches consumer law at Widener University School of Law and Temple University's Beasley School of Law and is recognized as one of the country’s foremost consumer lawyers, having written legal articles and texts and lectured on consumer law subjects around the world.

The Law is on Your Side 

State and federal consumer protection laws exist to prevent abuse and harassment by debt collectors, predatory lending and mortgage fraud, inaccurate credit reporting by credit reporting agencies, and other unfair and deceptive business practices.  Under these laws, you – the consumer – have the power to assert your rights in court and to hold violators accountable for their actions.  Flitter and his firm know these laws inside and out and have helped define and enforce consumer protection statutes over his years of practice.  He and his team of skilled consumer lawyers have helped thousands of consumers affected by:

  • Deceptive and misleading debt collection letters
  • Debt collector harassment
  • Credit report errors
  • Misuse of confidential credit reports
  • Damage to credit
  • Identity Theft
  • Car Repossessions
  • Vehicle Finance Schemes
  • Finance Overcharges
  • Predatory lending
  • Unfair and deceptive business practices
  • Defective Products
  • Serious Personal Injuries

Get the Help You Need!

Debt Collection: We can turn the tables on abusive Debt Collectors.  If you’ve received letters, harassing  phone calls or voicemail messages from a debt collector, CONTACT US.

Credit Reporting: We can review your credit reports for incorrect or inaccurate information and determine if your report was viewed or used without your permission, CONTACT US.

Identity Theft: If you have been one of the million of victims of ID Theft and your credit has been affected or usused, CONTACT US.

Mortgage rip-off? Overcharges? Car repossession? Other consumer finance fraud? If you think your rights have been violated or think a business is engaging in illegal activity, we will evaluate your claim, CONTACT US.

To CONTACT US: Call Toll-Free: 1-888-668-1225; Use our online CONTACT US form; or, Write: consumers@lfbb.com.

What's wrong with this picture?

Thu, 03/04/2010 - 23:30 — Consumers Law

GMAC seems to always be at the center of bankruptcy rumors.  So how on earth does it explain this (via NYT) ...

GMAC Chief Gets $1.2 Million in Pay for 45 Days’ Work

GMAC, the auto and home lender, has not reported a profit since 2008. But it gave its chief executive, Michael A. Carpenter, a pay package rivaling that of Lloyd C. Blankfein, chief of Goldman Sachs, the nation’s most profitable securities company.

Class Action UPDATE - Gregory v. NCO

Mon, 02/22/2010 - 18:03 — Consumers Law

The Consumers Law team recently scored a big win for Pennsylvania consumers against collections giant NCO.  On February 17, 2010, U.S. District Judge Ronald Buckwalter granted final approval of a class action settlement that delivers over $6 million dollars in relief for 2300+ PA consumers. Cary Flitter, Ted Lorenz and Andy Milz were class counsel.

New credit card rules take effect February 22

Tue, 02/16/2010 - 21:09 — Consumers Law

The federal Credit Card Accountability Responsibility and Disclosure Act of 2009, also known as the CreditCARD Act goes into effect February 22, 2010.  This law implements changes to many of the onerous conditions card issuers have imposed on consumers over the past twenty-plus years. 

Credit card changes affect your FICO score

Tue, 02/09/2010 - 14:23 — Consumers Law

This headline states the obvious, right?  BUT, some consumers are surprised to learn that closing a credit card account after it's paid off can result in a lower FICO credit score.  The way to avoid this problem used to be paying your account down to zero but keeping the card active.  But times have changed. 

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