Businesses may close unexpectedly, leaving consumers uncertain about their rights concerning warranties, refunds, and service contracts. Understanding the legal protections that may be available might help you navigate these challenges. Warranties and Service Contracts Service contracts (sometimes referred to as extended warranties) should include specific provisions to protect consumers: Read More
The Threat to the Consumer Financial Protection Bureau: Why Defending It Is Crucial to Protect Small Businesses and Consumers
The current administration has stopped the Consumer Financial Protection Bureau (CFPB) from protecting consumers and other small businesses against abusive financial practices. The consequences of dismantling the CFPB could be far-reaching, and we rely on their protections to navigate an often precarious financial system. Why the CFPB Matters Since its creation over 15 years ago, the CFPB has played a vital Read More
Tenant and Landlord Rights and Obligations in Arizona
Navigating the landlord-tenant relationship in Arizona can be complex, especially when misunderstandings arise about rights and responsibilities. Both parties have protections under the Arizona Residential Landlord and Tenant Act (the “Act”) to help ensure fairness and provide some clarity as to obligations. Here is a summary of the Act’s protections to help maintain a successful relationship between landlords and Read More
Is Bankruptcy the Right Solution? Key Factors to Evaluate
When debt becomes unmanageable, many people consider bankruptcy as a way to regain control over their finances. Bankruptcy can provide a fresh start, but it's important to understand that it's not a one-size-fits-all solution. Before making this important decision, it's recommended to speak with bankruptcy counsel. Evaluating the following should help you work towards a plan to gain control. Assess Your Financial Read More
Exploring Alternative Dispute Resolution: How Mediation, and Settlement Conferences May Help Resolve a Dispute or Help Narrow the Scope of the Dispute
Many people envision the lengthy and costly process of going to court when facing a legal dispute. However, there are alternative methods to resolve disputes outside of traditional litigation. Known as Alternative Dispute Resolution (ADR), these methods offer efficient, cost-effective, and often less adversarial paths to resolution. In this post, we’ll break down key ADR methods — including mediation, arbitration, Read More
Options you may have, though the seller says the vehicle was sold “As Is” and won’t take responsibility for selling a lemon.
Buying a vehicle that turns out to have significant defects can be devastating, especially when you return to the selling dealer and they say for the first time, we sold that vehicle to you “as is”. In spite of hidden language within the sales contract that may seek to disclaim any warranty, you may have legal options when defects or misrepresentations were made when the vehicle was purchased. Fraudulent and Read More
Understanding the Electronic Funds Transfer Act (EFTA): A Potential Layer of Protection
In today's increasingly digital world, transferring money electronically has become the norm for many. However, with the convenience of electronic transfers comes the potential for fraud and scams. The Electronic Funds Transfer Act (EFTA) might offer some protections and remedy. The EFTA is a federal law enacted to help safeguard consumers with qualifying electronic fund transfers (EFTs), while offering protections Read More
Essential Considerations Prior to Filing a Lawsuit
Deciding to file a lawsuit is a significant and often daunting decision. While the desire to seek justice when you or your business has been wronged is natural, the process of suing someone is complex and can be both financially and emotionally taxing. Before moving forward, it’s essential to evaluate the potential benefits and drawbacks of legal action carefully. Evaluating the Merits of Your Case The first Read More
Cybersecurity for Small Businesses: Protecting Your Assets and Understanding Your Legal Obligations
Cybersecurity is a critical concern for small businesses in today's digital age. Cyber threats can target any business, regardless of size, and the consequences of a data breach can be devastating. The following aims to provide helpful information on potential cybersecurity risks, employee best practices, and a general overview of local, state, and federal laws regarding data breaches. Potential Risks Small Read More
Did you know How Auto Insurers are Keeping Score?
As technology advances, our lives become increasingly interconnected with data. While most people are familiar with credit scores, another less well-known but equally influential metric is emerging: the driving score. This score, which can significantly impact your auto insurance premiums, is derived from data collected on your driving habits. From how often you brake hard to how frequently you speed, these insights Read More
