Consumer Law & fraud : Law & Legal & Attorney

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The Statute of Limitations for Credit Collections in Ontario, Canada

The Statute of Limitations for Credit Collections in Ontario, Canada

In Canada, both Federal and Provincial Governments have Statute of Limitation Acts that provide a time period for unsecured debt. In Ontario the present Limitation Act came into force January 1, 2004, and set a two-year period for a debt collection claim that occurred on or after this date. The two-......[Read More]
What Happens to Debt When You Die?

What Happens to Debt When You Die?

Stipulations in a WillOne of the first stipulations in a will is that all bills and debts be paid first before the distribution of any deeds, money or property. The executor of the estate is responsible for making sure that this provision is honored. Anything in the way of money or.........[Read More]
How to File a Lemon Law

How to File a Lemon Law

If you've purchased a vehicle and it's not working properly, you may be eligible to file a lemon law claim in your state. Federal and state lemon laws provide consumers with ways to negotiate and resolve disputes involving defective new vehicles. In most states, if a consumer wins her claim that a v......[Read More]
Statute of Limitations and Consumer Debt in Maryland

Statute of Limitations and Consumer Debt in Maryland

The Federal Reserve notes that American consumers owe more than $2.4 trillion in consumer debt. Many are unable to repay their debt. State laws establish a statute of limitations to decrease the pressure placed upon those struggling with debt.......[Read More]
How Long do Inquiries Remain on a Credit Report?

How Long do Inquiries Remain on a Credit Report?

If you've looked for a job recently or applied for credit during the past 12 months, you have inquiries listed on your credit report. The Federal Trade Commission says credit bureaus must maintain records of creditors who request your credit history.......[Read More]
How to Appeal Small Claims Court Cases in New York State

How to Appeal Small Claims Court Cases in New York State

If you were the defendant in a small claims case and you disagreed with the outcome, you may appeal the court's decision with the Appellate Term. However, an appeal is only available if the case went to trial and a final order or judgment was made. You cannot appeal a settlement made in lieu of a tr......[Read More]
Laws on Buying and Selling a Used Car

Laws on Buying and Selling a Used Car

Various state and federal laws apply to used car sales.car and us flag image by Jose from Fotolia.comCar buyers face a range of options when considering a used car purchase. Dealers, private sellers and even internet auto auctions can all be the source for a used car. However, the laws.........[Read More]
How to File a Small Claims Case in Another State

How to File a Small Claims Case in Another State

Every state has provisions for bringing a small claims suit. Generally, those provisions allow anyone to bring a suit even if they reside outside of the state they are filing in, as long as they are at least 18 years of age and the total amount of the suit does not surpass the dollar limit set forth......[Read More]
The Credit Card Interchange Fees Act

The Credit Card Interchange Fees Act

The Credit Card Interchange Fees Act of 2008 is a piece of U.S. legislation that was proposed but did not become law. The Act would have made certain practices related to electronic payment system networks illegal.......[Read More]
Florida Consumer Contract Laws

Florida Consumer Contract Laws

The Attorney General of Florida investigates and often prosecutes those who violate laws designed to protect consumers. While select Florida laws offer general coverage of consumer transactions, other laws set guidelines for particular products or types of services. The Florida legal code.........[Read More]
Texas Laws Regarding Credit Card Debt

Texas Laws Regarding Credit Card Debt

When it comes to collecting credit card debt, Texas laws impose extreme prohibitions on creditors seeking to collect a debt, even if the credit card company gets a civil judgment against a debtor for a legitimate debt. Unlike most states, which permit private creditors to garnish wages and other inc......[Read More]
How to Negotiate Settlements for Less Than the Full Balance

How to Negotiate Settlements for Less Than the Full Balance

If you are deeply in debt, you may have options that you haven't considered. You should not simply ignore debts and wait to be sued, and you should consider negotiating with creditors before filing for bankruptcy. In some cases you may even find that your creditor cannot enforce your debt. In other ......[Read More]
Automobile Lemon Laws

Automobile Lemon Laws

Lemon Laws provide specific remedies for consumers who have purchased an automobile with significant defects--in other words, a "lemon". Most car-purchaser protection comes from individual state laws which set out the process a consumer must follow to obtain Lemon Law relief. Lemon Laws primarily ap......[Read More]
Credit Card Rights in Florida

Credit Card Rights in Florida

Florida laws protect credit-using consumers from unfair debt collection practices.credit card and hand image by Warren Millar from Fotolia.comConsumers can get into trouble with their credit cards, especially during economically difficult times such as the recession of 2010. Florida law.........[Read More]
Neighborhood Association Bylaws

Neighborhood Association Bylaws

A neighborhood association is a voluntary organization in which homeowners who live within the established set of boundaries choose to join and pay dues as assessed. This differs from a homeowners association in which membership and dues are mandatory. Neighborhood associations are.........[Read More]
How to Docket a Judgment in Minnesota

How to Docket a Judgment in Minnesota

In Minnesota, when an individual is granted a civil judgment, the judgment must be docketed to become an official public record. When a judgment is docketed it allows the creditor to take advantage of certain enforcement tactics such as paycheck garnishment, bank account seizure and placement of pro......[Read More]
Product Packaging Laws

Product Packaging Laws

Product packaging laws exist and are enforced to some degree in every modern trading nation on the globe. These laws are divided into two distinct aspects: product packaging and product labeling. Both areas are designed to increase consumers' safety and confidence. Without these laws, domestic and i......[Read More]
Furniture Lemon Laws

Furniture Lemon Laws

Certain laws provide consumer protection for defective furniture.chair image by hazel proudlove from Fotolia.comLemon laws apply to products with a defect that impacts its function in some way. Although no furniture lemon law exists as of 2010, the federal lemon law applies to all new.........[Read More]
How to Release a Judgment

How to Release a Judgment

There are many reasons why you may have a civil judgment against you. Maybe you had a credit card that went into collections and needed to pay off a judgment for a predetermined amount. Or perhaps you were sued for a monetary payment, and need to satisfy that debt before you can have a judgment re......[Read More]
FHA Title II Training

FHA Title II Training

The Federal Housing Administration (FHA), part of the United States Department of Housing and Urban Development (HUD), is a government agency that secures loans for first-time home purchases and renovations.......[Read More]