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Pennsylvania Lemon Law

Pennsylvania Lemon Law

Every state has laws to protect consumers from products that have serious defects. Lemon laws protect consumers from automobiles that are plagued with serious defects. If an item cannot be satisfactorily repaired within a certain timeframe - usually within the warranty period - or if the item is not as good as new after so many repairs, it is considered a ""lemon."" On similar grounds, the Pennsylvanian lemon law was enacted for the express purpose of protecting consumers from buying or leasing new, but faulty, motor vehicles. Like most laws, lemon laws differ by state.

Pennsylvania lemon law applies to new cars that have a defect or condition that cannot be repaired after three attempts by an authorized manufacturer's dealership. This defect must first occur within the first 12 months or 12,000 miles, whichever comes first. This law applies to vehicles that are in the shop for repair for thirty days or more during the first year. This law contains a fee-shifting provision, which means that if the consumer prevails, the manufacturer must pay all attorney fees and legal costs on top of what you receive.

This law defines when a manufacturer has breached its written warranty and what the purchaser is entitled to for such a breach of warranty. Additionally, there are various other lemon laws which can be used to recover money for consumers. This law provides consumers with a powerful and effective way to get rid of a defective vehicle or receive a cash settlement. One cannot only get rid of the lemon or the faulty vehicle, but can also get loan paid off and even get the money back. The consumer may also be entitled to additional out-of-pocket costs they have incurred, such as towing, rental cars and more.

Pennsylvania Wage Garnishment Law

Pennsylvania Wage Garnishment Law

Can my wages be garnished? That may be the number one question that I receive at my office from individuals who are facing a credit card or debt collection lawsuit.

In Pennsylvania, the answer is no, with conditions. Pennsylvania is one of only four states (at the time of this writing) that does not allow wage garnishment for credit card/collection agency lawsuits. Let me explain the conditions now. First, the individual must live and work in PA to be protected. Second, and this is a big one, the lawsuit must have been filed in Pennsylvania as well. If you can meet all three of the listed criteria, your wages cannot be garnished here in our state.

What is unclear is what happens if you are sued in another state? Or if you live in PA now but previously lived in another state where judgment was entered? There is not a whole lot of case law on interstate debt collection regarding Pennsylvania. There is also a bit of a conflict in the law here. Pennsylvania does not allow wage garnishment for this type of debt. However, the federal Full Faith and Credit Clause sets forth that all states must honor the judicial rulings of other states. On the other hand, our state Attorney General, although not the final arbiter on the issue, has set forth an opinion that this clause is contrary to Pennsylvania law on this issue and that wage garnishment are not permissible. A final decision needs to be rendered on this recurring subject.

Unfortunately, the fact that wage garnishments cannot occur in PA does not stop unethical debt collectors from making such a threat. That is the basis for the telephone calls to my office. Joe Debtor has defaulted on a credit card account. His account gets transferred to a collection agency. The collection agency then calls Joe and demands payment. When he advises that he cannot afford to pay, the collection agency threatens a wage garnishment. There are two problems with such a threat. The first is that the threat cannot be carried out because wage garnishment is not legal in PA for those purposes. The second is that the debt collector has just violated the Fair Debt Collection Practices Act based upon his illegal threat. If this happens to you, you will have the right to file a lawsuit against the collection agency for monetary damages.

There are a few scenarios where wage garnishment is legal in Pennsylvania. These are very limited in scope and are as follows:

1) for judgments regarding spousal or child support;
2) for failure to pay PHEAA student loans;
3) for room and board for 4 weeks or less;
4) for back rent on a residential lease; and
5) for obligations relating to a final divorce distribution.

Does Pennsylvania Have A Used Car Lemon Law?

Does Pennsylvania Have A Used Car Lemon Law?

Pennsylvania does not currently have a specific "used car" lemon law at this time. Fortunately, however, you may be able to bring a lemon law -type claim if you have purchased a "used" vehicle that still had some of the original manufacturer's warranty on it at the time of it's purchase. If your used vehicle suffered a defect while under the original manufacturer's warranty, there is a federal law called the Magnuson-Moss Warranty Act that covers used cars that have a written warranty on them. The Magnuson-Moss Warranty Act protects consumers who purchase any product that costs over $25 and comes with a written warranty, so a used car would be covered by this law.

The Magnuson-Moss Warranty Act is similar to the Pennsylvania Lemon Law in many regards, and in some aspects, its better. Like the Pennsylvania Lemon Law, the Act provides for a refund or free replacement of the defective product, and further provides for recovery of all associated costs including Attorney fees for bringing such a claim. If the purchaser can show that the used vehicle suffered a substantial defect or non-conformity during the warranty period, and the manufacturer was unable to remedy that defect, the Magnuson-Moss Warranty Act will provide relief to the purchaser. The Magnuson-Moss Act is an act that was designed to ensure that manufacturers (of any product) who offer a written warranty on that product abide by and honor the terms of any warranty that they give. A purchaser of a used motor vehicle is a prime candidate to use this law in the event that he purchases a used "lemon", because the original manufacturer's warranty transfers to all subsequent owners of the vehicle until it expires based upon mileage or a given length of time.

In practice, Lemon Law Attorneys have used this Act very successfully in Pennsylvania to protect purchasers of defective "used" motor vehicles. If your used vehicle has suffered a defect while still under the original manufacturer's warranty, you may be entitled to a full refund or free replacement.

High Paying Keywords in Your Niche and Double Your AdSense Income

Pick High Paying Keywords in Your Niche and Double Your AdSense Income

I shared this list of Latest Highest Paying Keywords for 2009 earlier and a lot of bloggers and webmasters said that all the keywords mentioned in this list does not belong to their niche (target market), so it is pointless to use this list. I completely agree with you all, that such highest paying keywords are related with some financial / legal / medical niche and you can not utilize this list to your blog or website provided you share the same niche.

In this post, I am going to disclose you how you can choose highest paying keywords which are related with your blog or website. Let me first explain you the importance of selecting highest paying keywords and the amount of difference it can make to your Google AdSense earning.

For example, if you are going to write an article on say "Affiliate Marketing" and you really don't know about the highest paying keywords and you write complete article without incorporating any keywords with high value. In this case Google AdSense web crawler will crawl your page and display ads next to your content but a relatively lower Cost Per Click (CPC) say $3.78.

On the other hand if you do a prior research on highest paying keywords and incorporate the highest paying keywords in your article, for example "Affiliate Marketing Online Program" is a high paying keyword, then Google AdSense will display ads next to your content but this time with comparatively higher Cost Per Click i.e $6.78. You can notice the difference in Cost Per Click (CPC) of $3 straight away which means your income will be doubled as compared to before. In some cases this difference can be huge, so the bottom line is if you do a little research beforehand it will definitely increase your online income big time. It's never too late to do research on High Paying Keywords and it really pays to increase Google AdSense earnings exponentially.

Now the question arises: How to select Highest Paying Keywords specifically for your website's niche?

Well! you don't have to go outside the Google to find out the solution. Google itself provides you a very powerful tool to select highest paying keywords for your niche and you need to follow a very simple trick to learn how to earn more from that keyword tool.

Google Adwords Keyword Tool provides you the solution of selecting the highest paying keywords for your niche blog or website.

It provides to two options to choose from: -

Option 1. Descriptive words or phrases (e.g. green tea)
In this option you can simply write few keywords on which you want to perform the keyword research.

Option 2. Website content (e.g. [http://www.example.com/product?id=74893])
In this option you can provide the link of your website on which you want to perform the keyword research. (See the picture1 at the bottom of this post)

Once you have entered the keywords or URL, you can simply click on "Get Keywords Ideas" button to proceed.

As soon as you hit that button it will show a comprehensive list of keywords along with other information like "Advertiser Competition", "Local Search Volume" and "Global Monthly Search Volume" which you can use for your research.

On the right side just below the two options there is another option which says "Choose columns to display". Select "Show Estimated CPC" as soon as you select that option now keywords will be displayed along with average CPC. (See the picture2 at the bottom of this post)

Now click on "Estimated Avg CPC" text to sort it in ascending or descending order.

There you go! You can see the highest paying keywords in your niche. Now you can incorporate these keywords to attract highest paying ads to your blog or website. Like if you want to earn high then let your blog be an all round blog some time you go out of line and may pick a topic from one of the list below
research on the topic and write on it may be on student consolidated loan. The web crawler crawls and brings you add worth almost 40 busks then you are on.

Do share your experience of using this trick! Good luck!

I have compiled this list of Highest Paying Keywords for AdSense from various sources.

S/No. Keywords CPC ($)

1. Purchase Structured Settlements 53.48

2. Mesothelioma Lawyers San Diego 51.47

3. Secured Loan Calculator 51.35

4. Structured Settlement Investments 50.45

5. Endowment Selling 50.35

6. Mesothelioma Patients 50.23

7. Mesothelioma attorney san diego 50.07

8. Austin Texas dwi lawyers 50.03

9. New York Mesothelioma Lawyers 50.01

10. Phoenix dui lawyers 50.01

11. Secured Loans 50.01

12. Insurance Auto 50.00

13. Phoenix dui attorney 50.00

14. car free insurance online quote 50.00

15. students debt consolidation loans 49.96

16. Pennsylvania mesothelioma lawyers 49.87

17. data recovery Denver 49.71

18. adverse credit remortgages 49.56

19. bad credit remortgages 49.47

20. data recovery service los angeles 49.37

21. Consolidating Students Loan 49.30

22. Students Loan Consolidation Rates 49.17

23. Boston dui lawyers 49.02

24. memphis car insurance 48.86

25. conference calling companies 48.64

26. dui attornes los angeles 48.60

27. georgia car accident lawyers 48.36

28. san diego dui defense 48.32

29. Phoenix arizona dui lawyers 48.28

30. Los angeles dwi attorneys 48.20

31. Student Consolidation Loans 48.15

32. free quote for car insurance 48.11

33. irs tax lawyers 48.08

Pennsylvania Personal Injury Attorney Talks About Philadelphia Personal Injury Dead Man's Act

Pennsylvania Personal Injury Attorney Talks About Philadelphia Personal Injury Dead Man's Act

This is the second in a series of articles about the Dead Man's Act. "The purpose of the Statute is to prevent the injustice that may result from permitting a surviving party to a transaction to give testimony favorable to himself and adverse to the decedent, which the decedent's representative would be in no position to refute by reason of the decedent's death." Weschler v. Carroll, 578 A.2d 13, 15 (Pa. Super. 1990). Since David Edwards is unable to testify as to the events just prior to his being run over by defendants' tractor-trailer, a great injustice will result if defendant, Nicolas Pinger is permitted to testify adversely to David Edwards. Similarly, defendant must not be permitted to offer expert testimony regarding the collision between defendants' truck and the decedent based on information provided by defendant, Nicolas Pinger. Such testimony would be impermissibly based on information barred from evidence by the "Dead Man's Act".

Defendants should be precluded from offering any trial testimony regarding the collision between defendants' truck and the decedent from defendant, Nicolas Pinger because such testimony is barred by the "Dead Man's Act". Similarly, under the "Dead Man's Act", defendants should be precluded from offering at trial any expert testimony regarding the collision between defendants' truck and the decedent based on information provided by defendant, Nicolas Pinger.

Although the Act is most frequently applied in estates cases, it is also applicable to preclude testimony about the circumstances of an accident with a decedent. See Lyons v. Bodek's Estate, 142 A.2d 199 (Pa. 1958); Weschler, supra. Defendants in personal injury cases commonly assert the protections of the Act to defend actions brought against a decedent. If a negligent motorist can escape liability for inflicting injury, certainly the Act is available to assist the estate of a deceased in seeking compensation under the Wrongful Death and Survival Acts.