With mobile banking, electronic payments, digital wallets and online transfers, it may seem like paper checks have become a thing of the past. They haven't. People and businesses still use checks to pay rent, mortgages, contractors, employees, bills, gifts and other expenses. And whenever a payment method involves money moving from one person to another, criminals have an incentive to find ways to exploit Read More
Before You Approve That Air Conditioner Repair: A few things to know.
When your air conditioner stops working during an Arizona summer, getting an Arizona air conditioner repair completed quickly is often a top priority. Unfortunately, the urgency of restoring cool air can also make consumers more vulnerable to misleading sales tactics, unexpected costs, or disputes over warranty coverage. At A. Ferraris Law, we believe that informed consumers are empowered consumers. Read More
AI-Powered Scams: How Artificial Intelligence Is Changing
AI-Powered Scams: How Artificial Intelligence Is Changing Consumer Fraud What Every Consumer Should Know About the New Age of Deception Artificial intelligence is transforming nearly every part of our lives. It helps us write emails, organize information, improve medical research, and increase productivity. Used responsibly, AI has enormous potential to improve how we live and work. Unfortunately, the Read More
Insurance Property Claims, Delays, and the Question of Good Faith
When we buy homeowners' or other property (vehicle, RV/Car) insurance, we believe we are buying peace of mind. Most consumers believe that if disaster strikes, their insurance company will act fairly, communicate promptly, and pay covered losses within a reasonable time. Unfortunately, that is not always what happens. Consumer complaints and government investigations over the years have highlighted ongoing Read More
Car Title History: Clean Report, Hidden Damage – The Truth About Used Car History Reports
Why Car Title History Matters More Than You Think Car title history is one of the most important factors to review when purchasing a used vehicle. Most consumers rely heavily on vehicle history reports from companies like Carfax and AutoCheck. When buying a used car, most consumers are told : “Here’s the Carfax.” It’s presented as proof of transparency—something you can rely on to make a safe Read More
Follow the Incentives: What Consumers Should Know About Sales Compensation.
In today’s marketplace, sales compensation structures play a significant role in how financial products and services are presented to consumers. Whether you are buying a car, installing solar panels, refinancing your home, or filing an insurance claim, you rely on the person in front of you to guide you fairly and with integrity. But there is a critical question many consumers may never consider: How is this Read More
Legal Fees and Litigation Costs: What Clients Should Expect.
Legal fees and litigation costs are often one of the biggest concerns for clients considering or already involved in a lawsuit. Understanding what expenses to expect, how legal costs are structured, and whether those costs may be recovered can help clients plan financially and avoid unnecessary stress during the legal process. What Costs Can You Expect in a Lawsuit? Most civil lawsuits Read More
Zombie Second Mortgages: What Homeowners Need to Know
What Is a Zombie Second Mortgage? A zombie second mortgage is a home loan that resurfaces years after a homeowner believed it was resolved. These mortgages frequently originated during the U.S. housing boom leading up to 2008, when buyers used “piggyback” or “80/20” loan structures — an 80% first mortgage combined with a 20% second mortgage — to finance a home purchase without a traditional down payment or private Read More
Have You Been Scammed Through Your Bank Account, Zelle, or Your Debit Card? The EFTA May Protect You — But the Clock Is Ticking
Every week, more Arizonans—and consumers nationwide—lose their hard-earned money to increasingly sophisticated financial scams. These losses often happen through: • Zelle, Venmo, Cash App, or PayPal transfers • Unauthorized debit-card purchases • Mysterious ACH withdrawals • Fraudulent online banking transfers • Account takeovers caused by phone or SIM-swap scams • Remote-access scams where a “tech Read More
2025–2026 Medicare Advantage Plans: Updated Rules, Costs, and Benefits
As Medicare’s Annual Enrollment Period runs from October 15 through December 7, many people are weighing whether to stay with Original Medicare or switch to a Medicare Advantage (Part C) plan. Understanding how these plans work — and how they may affect your healthcare choices — can help you make a more informed decision this November. What Is Medicare Advantage (Part C)? Medicare Advantage plans are offered Read More
