Legal Question in Credit and Debt Law in Pennsylvania
i owe my lanlord back rent which i am making payments on, however he fail to meet me when we schedual times to get together so i can make a payment, now lately when he misses a meeting we have made he will then on his own time come to my job and tell my co-workers that i owe him back rent and making my work place akward giving me a bad reputation
1 Answer from Attorneys
First, I do not know why you have to personally meet your landlord. Why will a check or money order not work? You must have his address. Where did you pay your rent before? If you don't then get it and start sending the money. Make a copy of the checks or money orders before you send them. If you write a check, then once it clears your bank, many banks allow to get a copy for free of the front and back. Get the free copy and save it in case a dispute ever arises between you and your landlord.
Second, PA has a special law that applies to creditors as well as debt collectors. Under the law, a creditor CANNOT contact you at work, provided that he knows not to contact you there. Telling him does no goo - you have to write it.
The magic words that you need to write in a letter to your landlord are "my employer does not allow me to receive personal visits with you or calls from you at work."
Write him a letter, include the magic words that there is to be no contact at your place of employment and from now on send money orders or checks.
If he violates the law, there are lawyers who will be glad to sue him for violating the act. If a violation occurs, you get triple your actual damages or $100, whichever is greater for EACH violation as well as attorney fees. So he will end up owing you money if he violates the law.
The law is called the Pennsylvania Fair Credit Extension Uniformity Act. Here is the link:
http://government.westlaw.com/linkedslice/default.asp?SP=pac-1000
Scroll down the page and choose Title 73 PS, Trade and Commerce. Again, scroll down till you get to Chapter 42, which is the Fair Credit Extension Uniformity Act.