Consumer Law & fraud : Law & Legal & Attorney

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Definition of a Homeowners' Association

Definition of a Homeowners' Association

Homeowner Associations are primarily nonprofit organizations created by developers to maintain the homes and land of their developments. These organizations help developers comply with local real estate laws.......[Read More]
Soft Buckets in Debt Recovery

Soft Buckets in Debt Recovery

In debt collection, businesses often hire a third party to collect this because the cost of collecting the debt themselves can be more than the debt itself. When collection is outsourced, debts are categorized according to "buckets."......[Read More]
Legal Rights of a Surviving Spouse

Legal Rights of a Surviving Spouse

The act of marriage preserves a spouse's right to the estate of her partner if he passes away. As of 2010, Georgia was the only state in the country that did not protect surviving spouses with specific legislation. Everywhere else, a spouse is entitled to certain benefits whether her partner left a ......[Read More]
Florida Statutes on Felonies

Florida Statutes on Felonies

The Florida criminal code classifies crimes as felonies or misdemeanors. A felony is a criminal offense that may be punished by death or imprisonment in a state penitentiary. The court will sentence a person guilty of committing a felony to imprisonment in the state penitentiary when the sentence ex......[Read More]
What Is the Legal Process for Credit Debt?

What Is the Legal Process for Credit Debt?

The legal process for credit debt exists in three stages that progress based on the age of the debt and its size. Creditors will use several avenues to recover monies owed, but a process must be followed.......[Read More]
Credit Card Debt Collectors & Your Rights

Credit Card Debt Collectors & Your Rights

When your credit cards become delinquent, credit card companies often hire an outside collection agency to collect the debt for them. When debt collectors attempt to collect, it can be embarrassing and stressful for the consumer. However, the Fair Debt Collection Practices Act protects you from hara......[Read More]
What Are HOA Dues?

What Are HOA Dues?

A property association is a legal entity that can collect HOA dues, or homeowners' association dues, to manage and maintain a property. The amount of the dues vary depending on the services the association provides and the size of the property. Homeowners' associations often contract with a property......[Read More]
How to Buy Foreclosures in Canada

How to Buy Foreclosures in Canada

Foreclosures are a common problem in much of the developing and developed world; Canada has more stringent lending laws than many countries; this reduces foreclosures, still, thousands find themselves homeless every year. On the bright side, aspiring homeowners have the ability to purchase foreclos......[Read More]
How to Divide Credit Card Debts in a Divorce

How to Divide Credit Card Debts in a Divorce

One of the elements of a divorce case is to undertake a distribution of the assets and debts accumulated during the course of the marriage. Dividing assets and debts is one of the major challenges in divorce cases. Many couples possess credit cards with balances that are divided during the divorce p......[Read More]
Standard Limited Warranty Policies

Standard Limited Warranty Policies

According to the "Handbook of Reliability Engineering", "A warranty is a contract between a buyer and the manufacturer associated with the sale of a product. It's purpose is basically to establish liability in the event of premature failure of an item sold." However, vendors can limit warranty polic......[Read More]
How to Increase Your Credit Score in Canada

How to Increase Your Credit Score in Canada

In Canada, credit scores are formulas translated into three-digit numbers based on personal financial information. The higher the number, the better the consumer’s credit. This score is a determining factor in major purchasing decisions that require use of a lender, such as the purchase of a c......[Read More]
What Happens When a Deceased Person Has Unsecured Debt?

What Happens When a Deceased Person Has Unsecured Debt?

Most unsecured debt is personal debt that can only be collected from the person who entered into the contract. When a person dies, outstanding debts will be paid by the deceased's estate. Secured debts, medical bills, funeral costs and taxes are usually paid first. Once these outstanding debts have ......[Read More]
How to Fight a False Accusation

How to Fight a False Accusation

An allegation is defined as "[t]he assertion, claim, declaration, or statement of a party to an action, setting out what he or she expects to prove." Thus, false allegations can be made in the context of both the civil and criminal law. For false criminal allegations, the accused must mount a defen......[Read More]
FDA Modernization Act

FDA Modernization Act

The Food and Drug Administration (FDA) Modernization Act of 1997 modified regulations on food, drugs, medical devices and other products. The bill was signed by President Bill Clinton on November 21, 1997 and went into effect on April 1, 1999.......[Read More]
How to Report Consumer Concerns

How to Report Consumer Concerns

Good businesses building loyal customer bases make it easy for customers to report and have their concerns addressed. Some businesses, however, seem to hide at the other end of a sketchy website, or behind an army of automated phone operators. There are simple steps to take, however, in making your ......[Read More]
New York State Free Credit Report Laws

New York State Free Credit Report Laws

The state of New York upholds federal credit reporting laws.new york map and flag image by Vladislav Gajic from Fotolia.comThe state of New York upholds federal laws protecting consumer rights to free credit reports. By providing consumers with access to their credit reports for free, New.........[Read More]
Consumer Laws

Consumer Laws

Whether you are a business owner or a consumer, you should be knowledgeable of the general federal and state consumer laws in which you do business. State tends to be quite similar from state to state, but may vary in some of the details. The basic principle is to protect consumers from inequitable ......[Read More]
How to Prepare if Your Business Is Sued

How to Prepare if Your Business Is Sued

Few things are scarier for a business than the threat of a lawsuit. Since most business owners will never be involved in one, being sued can come as a real shock and most people have no idea how to react. It's a tough situation to face, but being prepared for the possibility can make things easier. ......[Read More]
How to Seek and Enforce a Judgment

How to Seek and Enforce a Judgment

According to the Merriam Webster Dictionary online, a judgment is a formal decision that is ruled by the court. In most cases a judgment is given to an individual who owes money to the other party involved in the case. Obtaining a judgment from the courts is the first step in recovering a debt that ......[Read More]
How to Correct Errors on Credit Report With All 3 Services

How to Correct Errors on Credit Report With All 3 Services

All three credit reporting companies have detailed information about you---from your address and social security number to your method of bill paying. They also have information regarding legal records, employers and your mortgage. The Federal Trade Commission encourages people to review their credi......[Read More]