Consumer Law

File a Claim for Money in a Small Claims Court. Having someone owe you money is a pain. Sometimes even when we ask to be paid back, that person (or company) may refuse to return your money. ...

Fraud is always a serious matter, but scammers who use the U.S. Postal Service elevate the severity of their crime. Under the United States Code, using the postal service to conduct fraud is a...

"Cash Gifting" is not illegal in the United States. In fact, it is a perfectly legal way to lower future estate tax debt. However, pyramid schemes that claim to use "cash gifting" as a method to...

There are steps you can take if you are in debt that has now risen to the point that bankruptcy is the only option. If you are ineligible, or do not wish to apply, for Chapter 7, and complete...

Bankruptcy may seem the only solution in the face of mounting debt and serious circumstances. But you should consider a few things before taking that final step.

If your bank account has already been garnished, getting your money back can be difficult. Before the money's gone, deal with the problem. An informed and industrious debtor can often stop a bank...

The Ministry of Economy, Trade and Industry (METI) is responsible for enforcing regulations regarding the labeling of clothes in Japan. Labeling requirements are stipulated in the Household Goods...

A lemon law letter, also referred to as a “last chance” letter, is correspondence directed to the dealership where you purchase your vehicle that gives the dealer one final attempt to rectify the...

A lemon is a defective car or truck that has a serious defect or problem that prevents the owner from being able to operate the vehicle safety, even after attempts were made to repair it. States...

Dealing with a debt collector is a degrading experience many people endure on a daily basis. Credit card debt collectors often cause stress and anguish, sometimes manipulating the law in the...

In 2007 President George W. Bush signed into law the Virginia Graeme Baker Pool and Spa Act. This act requires all public swimming pools and spas to have an anti-entrapment drain or device...

If you have had a judgment entered against you by a court, then the prospect of wage garnishment is a possibility. There are some steps you can take to stop wage garnishment without filing for...

Consumers who purchase used cars from dealerships are protected by state used-car laws, implied warranty laws and lemon laws. These same protections do not extend to people buying used cars from...

Homestead exemptions exist primarily to protect homeowners from losing their residences to creditors. Residents often seek homestead exemptions to protect their home's equity in times of financial...

The Department for Business Innovation and Skills (BIS) operates in the United Kingdom to promote a healthy and diverse economy by managing trade requirements, innovation, research and education....

When cash advance lenders loan out money, the borrower generally enters a legal binding contract to repay the loan and any fees that have been government regulated. However, there are no laws that...

Civil records, unlike criminal records, have no quick fix to hide undesirable information. Expungements, or having your records sealed or removed, are not available in civil courts. However,...

The Generic Drug Enforcement Act (GDEA) was passed in 1992 in an effort to address concerns raised in Congress about the approval process for generic drugs. It was put forth that the existing...

Every day a product fails to live up to the expectations of the user. Most people don't bother to write to the manufacturer or head office to get replacement or compensation. This article is...

In 1996, the United States Congress passed the Health Insurance Portability and Accountability Act as part of an effort to streamline the health insurance system and keep patients' health...

Gasoline is generally thought of as being clean when it is pumped into the gas tank, and for the most part, it is. However, gasoline typically contains small particles left over from the...

The legality of ordering medicine over the Internet depends on many different factors, including whether a prescription was used and whether the drug is approved by the FDA. Although many online...

Identity theft is a growing problem in Pennsylvania. Credit card fraud, bank fraud, utilities fraud and other types of identity theft affect thousands of Pennsylvanians every year. The office of...

Selecting the most suitable home insurance for your Palm Coast, Florida, residence is an important task. You must balance the need for appropriate, comprehensive coverage with an affordable...

Judgments are claims that could remain on your credit report for 20 years or more, depending on your state's statute of limitations. Judgments can be a challenge to remove and can get in the way...

For no good reason, some landlords withhold security deposits from responsible tenants. They may assume the tenants will not go through the effort of pursuing legal action to return the deposit....

Service of Process is when legal documents such as court summons, complaints, and subpoenas, are delivered to an individual to notify them of a court process against them.. Court Documents must...

As of September 2009, seven states now require construction workers to complete a 10-hour OSHA training program before beginning work. OSHA is the Occupational Safety and Health Administration, a...

Passport Services at the U.S. Department of State archives passport records of U.S. citizens, including their passport numbers. Passport records may include passport applications as well as...

Need to report a lost of stolen debit card (atm card)? Credit card fraud can be implemented in a matter of seconds. Your bank account could be drained before you even notice that your card is...

When you believe in a cause or want to achieve a particular goal, one way to do so is to utilize a petition. A petition is a document in which individuals who support your position demonstrate...

Tattoos, once the badge of outsiders and rebels, have seen a surge in popularity in recent years. An estimated 10 million Americans now have one or more tattoos. A 2004 survey by the American...

Rebates have never garnered a good reputation. The problems with rebates brought a cloud over the reputation of the OfficeMax stores, and the problems were so rampant that in 2006, the store began...

Getting sued in todays world is pretty common, everyone is looking for some easy money and you are at risk unless you take steps now to protect yourself.

When a tenant receives an eviction notice from a landlord, all hope is not lost. In many jurisdictions, tenants have certain rights which can be upheld by the court system, but you must learn what...

Ortho Evra is a birth control batch that was revolutionary for its kind. Around 2005, though, a group of women sued the makers of the patch claiming that it caused major side effects. The FDA...

Privacy rights, public records and background checks are a matter of public interest. Just take a quick look at the talking heads on financial news programs scolding a viewer for not knowing the...

Several U.S. states have passed laws to combat the spread of spyware, invasive software used to monitor your online activities. Distributors often disguise these programs as anti-spyware...

When contemplating the filing of a claim against the City of New York, it is important to consider basic factors and follow general rules in order to properly commence a claim. While complex...

Keeping up with your credit is very important and essential nowadays. People check your credit when you buy a car, a house and sometimes when you apply for a job. If you don't stay on top of...

An individual, organization, company or anyone who is owed money can pursue the seizure of a bank account. The dollar amount of the claim will determine if a district court or circuit court is...

New Hampshire's attorney general provides a useful guidebook for consumer law, which includes sections on the state's credit card laws. The guidebook contains sections on late payments, minimum...

Once a judgment is entered by a court in a debt collection case, debtors face the prospect of garnishment of their paycheck, savings and checking accounts. Debtors desiring to best protect their...

The increasing role of mobile homes throughout Michigan raises new questions about the legal status of these residences and the rights of their tenants. Historically, they do not adhere to the...

HG is the chemical symbol for mercury. HG light bulbs contain a tiny amount of mercury--a poisonous substance--and that is what causes the disposal problem. Federal law regulating mercury disposal...

Mini storage units can provide a number of dangers as well as health concerns. Tenants can cause a number of concerns if they use the storage units for purposes other than what they were intended...

Many creditors will get a bank garnishment or bank levy if you refuse to make payment arrangements regarding your past due debts. Your account will be frozen and the money will be taken from the...

All new buildings in the United States, whether residential, commercial or industrial, must comply with the most recent edition of the International Building Code (IBC) or with standards of local...

British Columbia, a province of Canada, does permit wage garnishment if certain debts are not paid. As in other Canadian provinces as well as states of the United States, British Columbians can...

A verbal agreement can be legally binding if it creates an "oral contract" in law. If you offer to sell a computer to your friend for $200, and your friend agrees, you have created an oral...