Navigating the Legal Landscape: Class Action Lawsuits

In the realm of consumer protection, understanding the purpose of Class Action Lawsuits may help consumers how they may seek justice collectively.   Understanding Class Action Lawsuits: A Brief Overview  Class Action Lawsuits are legal proceedings initiated by a group of individuals who share similar grievances caused by the systematic actions of an entity. This collective approach can streamline legal processes, Read More

How the Magnuson-Moss Warranty Act and the FTC Holder Rule Can Help You Enforce Your Warranty Rights.

The Magnuson-Moss Warranty Act (“MMWA”) is a federal law that protects consumers by making those who make a written affirmation of fact or promise as part of a warranty and any state rights arising thereunder.15 U.S.C. § 2310(f). The MMWA regulates the enforcement of written warranties, implied warranties, and service contracts in consumer transactions. What does “any rights arising thereunder” mean? The “rights Read More

Do I Need a Lawyer?

Almost everything we do—from making a big purchase of a vehicle or home to operating a vehicle and interacting with others personally and professionally—can implicate a legal concern. When do you need a lawyer? When might you handle a legal concern without one?  Some challenges may be assisted, at least in part, with the help of another professional, accountant, counselor, or perhaps clergy. Here are some frequent Read More

Your Medical Records: Do you have access and ownership?

Photo by Hush Naidoo Jade Photography on Unsplash “Access to computers and the Internet has become a basic need for education in our society.”  Kent Conrad Do you own your medical records? Henrietta Lacks unknowingly donated her medical information when as a young mother of five, she died from cervical cancer. Her cells, identified as "HeLa cells" (taken from her first and last name), were used in Read More

A few reasons why you should review the “arbitration” section of a contract?

"Win or lose, do it fairly." –Knute Rockne What is Arbitration? Arbitration clauses are found in contracts for car purchases, home construction, bank accounts, student loans, cell phones, employment, nursing homes, and more. It is a private procedure in which a legal dispute is submitted to make a binding decision on the dispute. When arbitration is mandatory it deprives of the opportunity to go to court.  It can 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

Car Warranties: What You Should Know

You may be a victim of unfair and deceptive practices if you weren’t offered a refund or replacement vehicle when you were sold a lemon. You should know that federal and state laws protect consumers from cars that require constant repairs, even if the repairs are made for free under a warranty. If the dealer or manufacturer will not honor the warranty and comply with the law, you should seek the help of an Read More

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