Consumers: The Law

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Andy Milz has been recognized by Pennsylvania courts for his experience in prosecuting individual and class actions based on federal consumer protection law. Andy has tried numerous consumer cases on topics such as mortgage fraud, inaccurate credit reporting, unfair debt collection, and improper auto repossession tactics.

Cary is founding partner in Flitter Lorenz P.C., and a member of the Pennsylvania and New Jersey bars. He has more than 30 years of trial experience in federal and state courts, in Pennsylvania and New Jersey, and in courts throughout the United States.

Montgomery County car dealership created phony auto loans and stole the credit identity of dozens of area consumers. In approving a class action settlement valued at some $5M, the federal court found the Flitter firm to have “substantial experience in prosecuting and managing class actions.

A credit score is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending a person money or providing them with a service –– specifically, the likelihood that the person will make payments on time in the next two to three years. Generally, the higher the score, the less risk the person represents.

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