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
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
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
