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
Fake Reviews & Online Deception: Can You Sue for False Advertising?
In the digital age, reviews and testimonials often shape consumer decisions. But what happens when those reviews are false, misleading, or manipulated? This month at A. Ferraris Law, we're diving into fake reviews & online deception—exploring whether consumers or businesses can take legal action, and how they may proceed. Why False Reviews Matter Fake reviews distort consumer trust. They Read More
Medical Billing Errors: How to Fight Back Against Overcharges
Medical billing errors are more common than many people realize, and they might lead to costly overcharges if not carefully reviewed. Mistakes, overcharges, miscodings, or even improper balance bills might land on your doorstep long after you sought care. If you live in Arizona, you do have legal tools and protections at your disposal to fight back. Below is a guide to what you might do if your medical bill seems Read More
Tenant Rights: What is “Normal Wear and Tear”?
When a lease ends, many renters are shocked to receive unexpected bills for “damage” or unexpected add-on charges. These charges—disguised as move-out fees —can be confusing, overwhelming, and in some cases, unlawful. At our firm, we have heard about tenants who are billed for issues that are nothing more than normal wear and tear. Knowing your rights can help you fight back and avoid paying for expenses that Read More
What the One Big Beautiful Bill Act (OBBBA) Could Mean for Your Business
Staying up to date with tax reforms and employment legislation is part of running a smart and compliant business. With the recent signing of the One Big Beautiful Bill Act (OBBBA) into law, there are several important updates that business owners should be aware of. While most changes are expected to take effect in the 2025 tax year (for taxes filed in 2026), it’s a good idea to prepare now for what may lie Read More
