Consumer law, like any area of the law, has complexities and subtleties that aren’t always apart to the public; however, being well-informed and educated about your rights as a consumer is one of the best ways to avoid being taken advantage of or being harassed. That’s why we blog regularly: to make sure you have the information you need to make informed decisions, or to strike back if your consumer rights are being abused. Read on to begin educating yourself now!
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Keeping Debt Collectors Away From Time-Barred DebtOnce the statute of limitations has run out on a debt, a debt collector cannot sue you to collect on that debt. These debts are known as “time-barred.”
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Certified Used Cars Are Not Necessarily SafeIn an effort to build consumer confidence in used cars, manufacturers can “certify” cars for resale, but there are no standards for this process.
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Some Dodge Trucks Do Not Have the Hemi Engine that Their Badge AdvertisesAutomotive News reports that some Dodge 1500 pickups do not actually have the 5.7 liter Hemi V-8 that they advertise, and instead have a 3.6 liter V-6.
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You Can Reduce Junk Mail by Opting Out of Prescreened Offers of CreditEver wonder how credit card companies get the information they need to pre-approve you for credit? Find out here and learn how to stop it.
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Identifying and Avoiding Fake Debt CollectorsIt is a common scam these days to be told over the phone that you owe money and that you need to pay it immediately. Don’t fall for fake debt collectors.
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These Offers in Car Sales Ads Are Probably Too Good to Be TrueWhen you are in the market for a new car, you may pay special attention to print, radio, and TV ads to find the best deal. Beware of these dealer ad tricks.
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Even If You Are in Debt, You Do Not Deserve to Be HarassedIf you are being harassed by a debt collector for money you owe, there are steps you can take to stop the abuse. Learn about putting an end to harassment here.
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A Deferred Down Payment on Your New Car May Seem Like a Gift—But it May Actually Be FraudWhen you are purchasing a car and don’t have quite enough money for a down payment, be very cautious about the dealer’s offer of a deferred down payment.
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Correcting Credit Card Billing Errors Under Provisions of the Fair Credit Billing ActWhen you find an error on your credit card statement, the Fair Credit Billing Act ensures that you have legal support to get the error corrected.
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How Your Car Could Be Taken in a RepossessionYou may have no notice that your car is being repossessed by your lender, but if you default on a car loan, it could happen anytime and anywhere.
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Why Taking Out a Car Title Loan Could Be a Bad MoveIf you are in need of money quickly, you may be tempted to take out a loan on your car’s title. Doing this could cost you more than you expect.
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Know What Your Trade-in Is Worth Before Negotiating on a New CarWhen a dealer makes you a too-good-to-be-true offer on your trade-in vehicle, you would be smart to look the other way. He may intend to defraud you.