Prohibiciones en Contratos de Alquiler con Opción de Compra

Explicación Simple

Esta ley dice que en un contrato de alquiler, hay cosas que no pueden incluirse. Por ejemplo, no pueden obligarte a renunciar a tus derechos o a pagar cargos excesivos si te retrasas con el pago.

Es como cuando alquilas un videojuego: no puedes ser obligado a comprar un seguro para el juego ni a aceptar que el dueño venga a tu casa sin avisar.

Ejemplo Práctico

Imagina que Ana alquila un sofá con opción de compra. El contrato le dice que no puede ser obligada a pagar un seguro y que el dueño no puede entrar a su casa sin su permiso. Si se retrasa con un pago, solo le cobrarán un pequeño cargo si pasan más de cinco días.

Texto Original del Estatuto (Inglés)

42 Pa.C.S. 6904 - Prohibited Provisions Of Agreement A rental-purchase agreement or any document that the lessor requests the lessee to sign shall not contain any provision by which: (1) A power of attorney is given to confess judgment in this Commonwealth or to appoint the lessor, its agents or its successors in interest as the lessee's agent in the collection of payments or the repossession of the rental property. (2) The lessee authorizes the lessor or its agent to commit any breach of the peace in repossessing the rental property or to enter the lessee's dwelling or other premises without obtaining the lessee's consent at the time of entry. (3) The lessor mandates that the lessee purchase insurance or liability waiver against loss or damage to the rental property from the lessor. This paragraph shall not, however, be construed to prohibit a lessor from offering insurance or a liability waiver to a lessee provided it is clearly disclosed that acceptance of the offer of insurance or a liability waiver is optional. (4) The lessee waives or agrees to waive any defense, counterclaim or right the lessee may have against the lessor, its agent or its successor in interest. (5) The lessee is required to pay a late fee unless the rental payment is five days or more late under a rental-purchase agreement with payments made monthly or two days or more late under a rental-purchase agreement with payments made more frequently than monthly. (6) A lessee is required to pay a late fee exceeding the greater of $5 or 10% of the amount of the past due payment, regardless of how long the payment remains unpaid. (7) The lessee is required to pay a fee in connection with retrieval of the property or the termination or rescission of the rental-purchase agreement. (8) The lessee is charged