Is Hiring an Attorney for Debt Consolidation in My Best Interest?

Wed, 08 May 2013 17:10:14 GMT

If you are considering debt consolidation, you’re probably feeling stressed and overwhelmed. You may be getting calls from creditors or collection agencies. You may be wondering about the best way to improve your situation. An attorney with experience in debt consolidation can be an invaluable resource.

There are a huge number of debt consolidation programs in the United States today. Many of these programs are legitimate and helpful. Unfortunat

Travel Insurance

Tue, 14 Oct 2008 21:13:30 GMT

Whether you are planning your first trip abroad or just a weekend jaunt to the mountains, you should ask yourself whether or not you need travel insurance.

Most average American travelers don't need travel insurance for relatively minor trips. For instance, if you are planning a week stay at Disney World or a romantic weekend in the Keys there may not be a need to spend the extra $25+ (depending on the provider), to “insure” your trip. Theses days the

What are my rights to credit?

Thu, 15 Jan 2009 01:00:08 GMT

Credit is a major factor in almost everyone’s life in American society today. If you want to buy a house or car, you’ll need good credit. If you want a credit card, you’ll need good credit. In fact, even if you just want to rent an apartment or a DVD, your credit could be an issue. As a result, it is essential that you educate yourself about the different federal laws that protect your rights to credit.

Laws about cr

How to Make Sure Your Money Goes to a Legitimate Charity

Mon, 20 Oct 2008 19:10:55 GMT

Many Americans enjoy donating to charity each year and many other Americans benefit from their generous donations. However, each year we also hear about dishonest people who have started an organization that is made to look like a legitimate charity but is instead a means for personal gain that doesn’t benefit any charitable group. Therefore, it is important to investigate any charity to which you are thinking about making a donation.

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What is the Fair Credit Billing Act?

Thu, 15 Jan 2009 01:05:15 GMT

At one point or another, everyone has had problems with billing on an account. Maybe you bought a new dining room table for which your credit card company billed you twice. Or maybe you returned that new dress you bought that didn’t fit, but you still were billed for it. Sound familiar? If so, you can benefit from being aware of your rights under the Fair Credit Billing Act, or the FCBA, which gives you the power to resolve these types of disputes with the credit c

When to Hire a Personal Injury Attorney

Tue, 17 Jan 2012 21:35:35 GMT

When you suffer a personal injury in an motor vehicle accident, or due to a manufacturer‘s product defect; or from a medical error or malpractice, it is easy to become overwhelmed because there are so many things to consider and so many details that need your attention. Of course, the most immediate and the most important concern is to get medical treatment for your injury. Sometimes an injury can be treated quickly. Ho

Dangerous Drugs and Product Liability Law

Sun, 15 May 2011 22:21:32 GMT

It is difficult for a consumer to adequately assess the safety of a drug before taking it based on limited knowledge. Instead we rely on others such as drug manufacturers, distributors, doctors and pharmacists to help us make the right decision regarding pharmaceutical drugs. While many drugs do what they are intended to do and help relieve our pain or improve our health, some drugs are defective and dangerous. If you have suffered injuries, or a loved one has died, because

The Truth About the Truth in Lending Act

Wed, 08 May 2013 17:03:16 GMT

Since 1968, American consumers have been entitled to clear disclosure of credit terms and costs in lending agreements. It was in 1968 that Congress passed the Truth in Lending Act. The law applies to many types of personal credit including credit card debt and residential mortgages. It applies to personal consumers who are seeking or applying for credit but it does not apply to business or government borrowers.

The stated purpose of the act

What is the Equal Credit Opportunity Act?

Thu, 15 Jan 2009 01:25:36 GMT

Getting and using credit seems to be an American pastime these days. You can use a credit card to pay for your meals at McDonald’s, and you can rarely make a hotel reservation without using a credit card. With skyrocketing prices, who pays cash for a car or a house? It is common for an average person to carry a 30-year mortgage, a car loan, and a few thousand dollars in credit card debt. Therefore, with the importance of credit in our society, it is essential that

My Bank is Threatening to Repossess my Car. Can my Bank Do That?

Wed, 08 May 2013 21:22:23 GMT

If you have failed to make your car loan payments as agreed, or, in some states, if you have failed to maintain car insurance, the bank or lender can repossess your car. Repossession means that the bank can take your car back without going to court, filing a lawsuit, or even giving you any advance warning. However, banks and other lenders do have to follow some important rules in repossessing your car, or they may have to pay certain penalties and/or damages to you.

What rights do I have in planning a funeral?

Thu, 15 Jan 2009 01:32:22 GMT

When a loved one passes away, you may find yourself confused by the many decisions to make in planning a funeral. In this situation, you should know your rights in terms of funeral planning, which will allow you to make the right decisions, even in a time of great emotional stress.

Under the Funeral Rule, you can choose only those goods and services that you want or need for the funeral, and you must pay for only those goods and services that you ch

How do I fix errors on my credit report?

Wed, 01 Apr 2009 01:04:23 GMT

Your credit report contains important information about your life, such as where you live, what debts you owe, whether you’ve been sued, and whether you’ve filed for bankruptcy. Credit reporting agencies sell information about you to insurance companies, mortgage companies, employers, and banks so that they can evaluate your applications for loans, credit, insurance coverage, renting a home, and/or employment. The information in your credit report will help these compa

What are vehicle lease buyouts and returns? Can I terminate my vehicle lease early? Can I trade in a vehicle that I am currently leasing?

Fri, 29 May 2009 02:09:43 GMT

In recent years, it has become quite common for people to lease vehicles, rather than to take the more conventional path of financing a vehicle purchase through an installment loan. While there may be many good reasons for leasing rather than buying a vehicle, there may come a time when you want or need to terminate the lease early. Fortunately, you have a number of options available to you in order to terminate your lease early. The best option for you will depend on the fac

The Federal Reserve Board's New Credit Card Protections for the Consumer

Wed, 06 May 2009 17:29:57 GMT

Are the days of unfair credit card practices over? While the credit card companies may mourn their passing, American consumers are seeking fair credit card practices that they can understand. In an effort to protect American consumers, the Federal Reserve Board enacted new rules in December 2008 that are set to go into effect on July 1, 2010. The new rules are part of a coordinated effort with the Office of Thrift Supervision and the National Cre

Common Contract Terms Explained

Mon, 23 Aug 2010 17:33:21 GMT

In every contract there are invariably a slew of legal terms and conditions that, regardless of the contract’s purpose, go unchanged and often unchecked by the contracting parties. These terms and conditions are often referred to as the contract’s “boilerplate” language. Most people don’t give these sections a second thought, and it’s typically a non-issue. That is, until they have a dispute and the contract is used as evidence in court. Since thes

How to Prevent Automatic Withdrawal Scams

Wed, 06 May 2009 17:33:52 GMT

Every year many Americans become victims of automatic withdrawal scams. They may be offered a free item only to find that it was not in fact free, they may be charged recurring withdrawals which they did not expect or they may be otherwise taken advantage of and charged unexpected fees. While the situation is serious and troublesome, there are some steps that the government, the banks and the individu

The Pros and Cons of Electronic Check Conversions

Wed, 06 May 2009 17:34:35 GMT

Today, many businesses are processing check payments as electronic check conversions. Typically, this allows businesses faster access to the funds in your checking account. Many consumers may be unaware that an ordinary paper check that is processed as an electronic check creates has different implications for them. This article will highlight some of the pros and cons of the electronic check conve

Protecting Your Personal Accounts From Unauthorized Charges

Wed, 06 May 2009 17:35:55 GMT

Life is busy and going through the mail takes time. However, when the mail includes your monthly bank or credit card statement then your time is well spent to review the statement carefully. Both your monthly checking account statement and your credit card statements will include automatic debits or automatic charges to your account. For one or more reasons, your account may include unauthorized automatic debits or charges and if you do not catch them and properly dispute the

Protecting Paperless Money: The Electronic Funds Transfer Act

Wed, 06 May 2009 17:37:15 GMT

With each passing year, technology becomes more integrated into fundamental parts of our lives. Our bank accounts and financial transactions are no exception. Today, more and more transactions are conducted electronically without the passing of a check or paper money. Some examples of electronic fund transfers include: transactions conducted at an ATM, transactions conducted with an ATM or deb

Protect Your Personal Finances While You Shop Online

Wed, 06 May 2009 17:37:59 GMT

The Electronic Funds Transfer Act and the Federal Credit Billing Act were enacted in the 1970s and 1980s to provide individual consumer rights to consumers who paid with electronic funds or credit cards. While the laws were enacted well before the advent of online shopping, they have important implications for individual consumer purchases made on the internet. Many consumers pay for their internet purchases

Motor Vehicle Bill of Sale

Sun, 15 Nov 2009 17:00:16 GMT

There are many advantages to buying or selling a used car privately. A private sale often means that the seller earns more money while the buyer pays less money since there are no third parties, such as car dealerships, taking a cut of the sale price. However, in order to complete a private sale of an automobile it is important to create a legal Motor Vehicle Bill of Sale that protects the interests of both

My local car dealership just closed. What can I do about my car's warranty? What if the automaker shuts down altogether? What are my rights?

Tue, 26 May 2009 02:11:32 GMT

With a record number of car dealership closings in the last year, you may be wondering what you will do if your local car dealership closes, or what if the auto company that manufactured your car fails. How will you have warranty work done on your vehicle?

The short answer is that it may be impossible for you to get warranty service, or any manufacturer-based service, done locally. Automakers are quick to point out that you will still be able to have

General Bill of Sale

Sun, 15 Nov 2009 17:01:54 GMT

A private party can contract to sell a certain piece of property to another private party. It is important, however, that for sales involving any substantial amount of money that a written contract known as a bill of sale be executed. Most of the time this can be done with preprinted forms.

How to

What are 'Acts of God' clauses in insurance policies?

Mon, 27 Jul 2009 02:07:57 GMT

Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has been a trend toward the removal of the “acts of God” exclusion clause in many homeowners&r

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Congress Leads in Decreasing Lead Paint

Is Hiring an Attorney for Debt Consolidation in My Best Interest?

Travel Insurance

What are my rights to credit?

How to Make Sure Your Money Goes to a Legitimate Charity

What is the Fair Credit Billing Act?

When to Hire a Personal Injury Attorney

Dangerous Drugs and Product Liability Law

The Truth About the Truth in Lending Act

What is the Equal Credit Opportunity Act?

My Bank is Threatening to Repossess my Car. Can my Bank Do That?

What rights do I have in planning a funeral?

How do I fix errors on my credit report?

What are vehicle lease buyouts and returns? Can I terminate my vehicle lease early? Can I trade in a vehicle that I am currently leasing?

The Federal Reserve Board's New Credit Card Protections for the Consumer

Common Contract Terms Explained

How to Prevent Automatic Withdrawal Scams

The Pros and Cons of Electronic Check Conversions

Protecting Your Personal Accounts From Unauthorized Charges

Protecting Paperless Money: The Electronic Funds Transfer Act

Protect Your Personal Finances While You Shop Online

Motor Vehicle Bill of Sale

My local car dealership just closed. What can I do about my car's warranty? What if the automaker shuts down altogether? What are my rights?

General Bill of Sale

What are 'Acts of God' clauses in insurance policies?

Free Credit Cards Articles

Free Debt Collection Articles

Free Personal Loans Articles

Free Product Warranties Articles

Free South Dakota Consumer Protection Articles