Tips to Keep Your Banking and Financial Information Safe When Online

This month’s article offers a few tips on precautions for internet financial transactions.  Tip 1: Take extra precautions for logging into banks and other financial accounts. Create “strong” user IDs and passwords by choosing combinations of upper-and lower-case letters, numbers, and symbols that are hard for a hacker to guess. Your birth date, address, or other publicly available information can be easily Read More

A Few Tips on How to Complain Effectively

This month’s article offers tips on how to approach a business with a complaint when you have a problem with goods or services purchased. Everyone has a right to be given specifics about a product or service prior to purchase (including warranties) and about the process to resolve a problem if the promised product or service is not provided. Always ask about the process at purchase and get it in writing. Prior Read More

Consumers and Small Business Owners Beware of Fake Lender Loans!

Arizona law limits interest rates to protect its residents from predatory lending. By way of example, the maximum annual percentage rate (APR) including fees is 41% for a $2,000, two-year installment loan. In 2008, 60% of Arizona voters rejected a payday lender ballot initiative that would have overturned the state’s interest rate maxima. To get around the interest rate cap, high-cost online lenders have evaded Read More

A Few Essentials About Claims Against an Arizona Public Entity

Hi folks, this month sharing few general tips on requirements to pursue a legal claim against an Arizona public entity. Generally, you need to file a claim quickly with the appropriate authority –In Arizona, we have the Notice of Claim Statutes, Arizona Revised Statutes. Sections, 12-820 through 12-826, govern the Notice and it is not the easiest of statutes to follow. It mandates that anyone who seeks to make Read More

Helpful Tips to Avoid Repossession

Contact your Lender Promptly – If you are concerned about missing a car payment you should contact your lender as soon as possible. Many banks, auto manufacturer lenders, and other creditors have emergency relief programs to help borrowers who have been impacted by COVID-19. Borrowers who communicate early and honestly with their lenders demonstrate good faith and a good lender will work with you to keep your account Read More