Greg Gorski, Esq.

06/10/2022

Consumers be forewarned. The increasingly popular checkout option buy now, pay later (BNPL) will soon be appearing on consumer credit reports. BNPL providers like Affirm, Afterpay and Klarna offer point-of-sale installment loans that can be used to pay for purchases online or in-stores at participating retailers. Equifax and Trans Union announced that they will be including BNPL tradelines on traditional credit reports while Experian announced the creation of a one-of-a-kind specialty bureau called The Buy Now Pay Later Bureau which will provide real-time reporting of consumers’ BNPL activity.

This information has never before been incorporated into consumer credit reports or credit scoring models so its reliability and its usefulness remains to be seen.

If you believe a BNPL loan is reported about you inaccurately, Gorski Law provides free telephone consultations to consumers.

06/08/2022

Good news for consumers and their credit reports. Earlier this year, Equifax, Experian and Trans Union announced in a joint statement that they will no longer include paid medical collection accounts on consumer credit reports.

The three credit reporting agencies will also extend the time period before unpaid medical collections would start reporting on a consumer’s credit report from six months to one year. These changes will take effect on July 1, 2022.

In addition, the joint statement indicated that Equifax, Experian and Trans Union will discontinue reporting any medical collection account that is less than $500 beginning in the first half of 2023. When these changes are implemented, 70% of medical collection accounts will supposedly be removed from American’s credit reports.

Medical debt has never been a good indicator of a consumer’s creditworthiness and is rife with inaccuracies due to the complicated nature of medical billing. Hopefully these changes will bring some much deserved relief to consumers.

If you have medical debt appearing on your credit reports that you believe is inaccurate or should not be reporting, Gorski Law provides free telephone consultations to consumers.

02/15/2022

Finally some progress to correct the detrimental impact forced arbitration clauses have had on Anericans right to take their legal claims to court. Although this bill only applies to some kinds of employment claims, it’s a step in the right direction and it was nice to see that it gained bipartisan support. I look for to seeing this signed into law by the President, and hopeful that a similar law eliminating forced arbitration clauses in consumer contracts is on the way.

02/14/2022

Nothing makes me happier than when a client is satisfied with my work. Since we’re in the internet age many clients share their appreciation online, but I how nice is when every now and then a card comes in the mail saying thank you! Here’s a few of them, I keep every one.

06/20/2020

I love seeing these signs! Thank you to all the businesses and workers that are reopening in our region and helping us all get back to normal. @ Cherry Hill, New Jersey

04/24/2020

https://www.inquirer.com/business/comcast/comcast-xfinity-late-fees-coronavirus-covid19-20200423.html

If you’ve been dinged with late fees on your Comcast bill, you’re not alone. But you don’t have to pay them.

04/09/2020

Gorski Law was in the Philadelphia News today:

A King of Prussia man who has successfully sued robocallers for tens of thousands of dollars is now taking on Comcast, claiming the cable giant illegally accessed his credit report without permission.

03/20/2020

Gorski Law is open for business.

The firm is complying with the executive order of the governor of Pennsylvania ordering all "non-life-sustaining” businesses in the Commonwealth of Pennsylvania to close their physical business locations. The firm, however, is fully equipped to operate virtually and remotely so that there will be no interruption in our business operations, and no health risk to any firm employees or vendors.

To all current clients, your files are safe and secure, and your cases are being actively worked on. If you would like a status update, your call will be answered and you will receive a prompt response to your emails. Feel free to reach out anytime.

To anyone with a consumer protection problem, I am here to help. Your calls will be answered and all initial telephone consultations are free.

03/18/2020

I am a small business, and I support small business.
Although my firm is not as directly affected by the decisions of our legislatures to shut down businesses in Pennsylvania, New Jersey and other parts of the country, many small businesses are critically impacted. Soon the hysteria that is going on right now will be over, and we don’t want a world where all small businesses are out of business. So if you’re able, do what you can to help out: order some takeout, buy something online, take a streaming fitness class, prepay for your next hair appointment. You’ll be glad you did when this crisis is over.

01/24/2020

In federal court today for a Rule 16 conference. This type of conference is when the parties meet the judge to set a schedule for the case which includes taking discovery, filing motions, and trial.

01/21/2020

One of my goals year is to read 30 books. Book 1 was Permanent Record, a memoir by Edward Snowden. As an attorney who deals with data privacy and data accuracy issues all the time, the book was fascinating. No matter what you think of Edward Snowden, the book raises many concerns about data privacy in America both in the private sector and in government. An interesting read if your concerned about the ever growing invasions of privacy affecting our digital lives.