The Cummings Law Firm

13/05/2026

BUSINESS PROTECTED??? You built the business. But is it actually protecting you?

Most business owners in Pennsylvania did what made sense at the time — filed an LLC online, set up a sole proprietorship, and got to work. No judgment. That's how a lot of great businesses start.

But here's the problem: forming a business entity and actually running it correctly are two very different things.

If your LLC doesn't maintain proper corporate formalities — separate bank accounts, signed agreements, meeting minutes, clear records — a creditor, a lawsuit, or the wrong legal dispute can pierce right through that protection and come after you personally. Your home. Your savings. Everything you've built.

And if you're still operating as a sole proprietor? There is no wall. You are the business, and the business is you — which means your personal assets are on the front line every single day.

Here's what most people don't realize:

✅ A properly structured business entity can shield your personal assets from business liability
✅ It can be a powerful estate planning tool — passing what you've built to your family without a courthouse fight
✅ It creates clarity between you, your partners, and your heirs before problems arise
✅ It makes you look like what you are: a serious operator

The difference between a business that survives something bad and one that takes everything down with it is usually in the details — details most people don't even know they're missing.

At Cummings Law Firm, we help family businesses get the structure right. Not just the paperwork — the whole picture. Liability protection, succession planning, and the kind of entity design that actually works when it needs to.

📞 Free consultation. Phone or in person. No commitment.

👉 www.clfdlaw.com

Cummings Law Firm, LLC | Clearfield, PA | Serving Pennsylvania businesses

The Cummings Law Firm LLC is a law firm with locations in Clearfield and DuBois, PA. Founded by Eric E. Cummings Esquire, along with Joshua S. Maines, Esquire.

05/05/2026

ALL PA REALTORS, CLOSING COMPANIES, AND REAL ESTATE ATTORNEYS -------BEWARE!!!

MOST ARE DOING IT ERRANTLY, SO HERE IS THE CORRECTIVE SUMMARY:

PA Real Estate Law — Seller Disclosure: Timing, "Known to Seller" Standard, and the "As-Is" Trap

The Rule:

Pennsylvania's Real Estate Seller Disclosure Law (RESDL), 68 Pa. C.S. §§ 7301–7315, requires any seller intending to transfer residential real property to disclose all material defects known to the seller by completing the State Real Estate Commission's property disclosure statement — and that signed, dated statement must be delivered to the buyer before the agreement of transfer is signed. The disclosure must be made on the Commission's prescribed form covering 17 mandatory categories, including structural problems, roof condition, hazardous substances, water/sewage, electrical, sinkholes and drainage, and legal issues affecting title or use. If the seller fails to deliver the disclosure before ex*****on of the agreement, the buyer retains the right to terminate the agreement at any time before settlement. 68 Pa. C.S. §§ 7303, 7305, 7311.

Practical Note:

The timing trigger is the signing of the agreement — not settlement. A seller who hands over the disclosure at the closing table has technically violated the statute, and the buyer can walk away even if settlement is imminent. Make delivery and acknowledgment of receipt a condition precedent to finalizing any agreement of sale. Under § 7308, the seller is not obligated to investigate — the duty runs only to defects actually known to the seller. That said, § 7313 expressly preserves all other disclosure obligations — common law fraud, negligent misrepresentation, and UTPCPL claims all survive alongside the RESDL.

Watch Out For:

The "as-is" clause misconception. Sellers — and sometimes their counsel — believe "as-is" language in an agreement of sale eliminates RESDL disclosure obligations. It does not. The RESDL is a statutory duty; it cannot be waived by contract. A seller who hides a known leaking basement, septic failure, or structural defect behind an "as-is" clause remains fully exposed under § 7314 (actual damages), UTPCPL (treble damages + attorney's fees), and common law fraud. Second trap: "known to seller" does not mean deliberate ignorance. Prior repairs, contractor invoices, and insurance claims are evidence of constructive knowledge courts regularly consider.

Strategies (on for both sides of the table):

If a Buyer wants out of a deal but has no obvious way to do it, compare the dates of the Agreement of Sale versus the Disclosure. If the Agreement of Sale is the earlier dated document, the Seller is in violation of the statute and Buyer is under no obligation to close.

E. E. Cummings, Esq.

www.clfdlaw.com

27/03/2026

At Cummings Law Firm, LLC, your trust and loyalty mean everything to us. To express our gratitude—and kick off another exciting Pirates season—we're thrilled to announce our 2026 Pittsburgh Pirates ticket giveaway! LAST YEAR WAS CLASSIC, WITH WINNERS HAVING THE TIMES OF THEIR LIVES! LET'S DO IT AGAIN!

As part of our advertising efforts to thank you and strengthen our community ties, we've secured tickets to 10 home games at PNC Park. You could win four prime seats right behind home plate!

Prize Details for Each Winner:
Four (4) tickets (Section 17, Row B, Seats 1-4)
One (1) Red 5A Parking Lot Pass
Pre-game buffet-style dining at Home Plate Club Entrance + snacks (alcohol not pre-paid)

The 10 Games Up for Grabs:
April 19 – Rays @ Pirates – 1:35 PM ET
May 3 – Reds @ Pirates – 1:35 PM ET
May 31 – Twins @ Pirates – 1:35 PM ET
June 11 – Dodgers @ Pirates – 6:40 PM ET
June 27 – Reds @ Pirates – 4:05 PM ET
July 29 – D-backs @ Pirates – 12:35 PM ET
August 15 – Red Sox @ Pirates – 6:40 PM ET
August 19 – Tigers @ Pirates – 12:35 PM ET
September 1 – Giants @ Pirates – 6:40 PM ET
September 17 – Brewers @ Pirates – 12:35 PM ET

How to Enter: Email [email protected] with subject “CLF Burgh Tickets 2026” by midnight April 9, 2026. Include your full name, address, and phone number.

We'll confirm your entry. Winner(s) selected via Facebook Live drawing on April 11, 2026 at 2:00 PM EDT—follow our page to watch!

Like and follow The Cummings Law Firm, LLC on Facebook, comment your favorite Pirates memory, or tag a friend you'd take to the game!

Important Disclaimer: This is a client appreciation advertising promotion—no purchase necessary, no guarantee of winning. Failure to win cannot be held against the firm. Winners must use the entry email to create/set up an MLB Ballpark account (digital transfer only—no physical tickets). Please enjoy personally; no selling or transferring prizes.

Thank you for choosing Cummings Law Firm—we hope to see you cheering at PNC Park this season!

Warm regards,

Eric E. Cummings, Esq.
The Cummings Law Firm, LLC
[email protected]
www.clfdlaw.com

12/01/2026

It is with great pleasure that the Cummings Law Firm, LLC announces the admission of our esteemed colleague, Attorney Shiann B. McGovern (pictured right), to the Bar of the Supreme Court of the United States.

Admission to this Bar represents a singular professional achievement and a profound affirmation of professional excellence. It signifies that an attorney has met the rigorous standards of character, learning, and standing required to appear before the highest court in the land—the tribunal charged with safeguarding the Constitution and interpreting the fundamental law of our nation.

This privilege, extended to only a select portion of the legal profession, reflects not merely technical qualification but a deep commitment to the rule of law, the fair administration of justice, and the enduring principles that unite our legal system.

Attorney McGovern’s accomplishment is a source of immense pride for our firm and a testament to her dedication, skill, and integrity throughout her career. We are confident that this milestone will further equip her to serve our clients with even greater distinction, should the occasion arise to engage the Court’s jurisdiction.

On behalf of the entire Cummings Law Firm, LLC, I extend heartfelt congratulations to Attorney McGovern. May this honor inspire continued service to the cause of justice and strengthen the confidence of all who seek her counsel.

02/01/2026

What legal services does The Cummings Law Firm, LLC provide beginning 2026?

25/12/2025

The Team at The Cummings Law Firm wishes everyone a Merry Christmas and a prosperous New Year!!!

01/12/2025

HAPPY BIRTHDAY Lunch with the team was a nice and refreshing way to return from the holiday break!!! If you see this young lady, be sure to tell her “Happy Birthday”!

11/11/2025

To Veterans, our Team thanks you.

26/08/2025

Call now for what you need

17/08/2025

YOUR HOME TEAM, LEGAL TEAM!
Work.
Results.
Win.