Consumer Contracts

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Watch Out For A 30 Percent Interest Rate Hike
Many people were surprised by a letter they received. Although they had good credit history, their interest rates were to be hiked up to 29.99%, an extremely steep increase. Citibank, a popular bank and credit card lender has sent such notice to more than 20% of their customers. Can Credit Card Companies ... READ MORE

When Can Children Fly Alone
  A nine-year old's story shows what to avoid when it comes to children flying alone Each airline has its own rules on unaccompanied minors Follow the rules and take some precautions to keep your child safe   Children often take airline flights alone for a variety of reasons, such as an extended visit ... READ MORE

Who Gets the Bill The High Price of Rescue
The stories are riveting. Mountain climbers go missing on Mt. Hood. Hikers buried after an avalanche. Skiers trapped on a mountaintop after a sudden storm. Campers lost in the wilderness after having strayed off the trail. And the ending to the stories is sometimes tragedy, sometimes relief. However, ... READ MORE

Beware of Fine Print in Job Loss Protection Plans
Late in 2008, the US economy began taking a downturn. Investors started losing money, would-be retirees began losing their nest eggs, and millions of workers became unemployed. It didn't take long for some companies to devise plans to entice consumers to spend money they may not otherwise spend out ... READ MORE

Check That Groupon Before Losing the Deal
Related Item Groupon's business practices got some added scrutiny recently. The Wall Street Journal reported that, in the United Kingdom at least, Groupon keeps all the money paid for vouchers that aren't redeemed by the expiration date. This highlights a difference between Groupon's business here in ... READ MORE

Gift Cards Come with Strings Attached
People seem to love gift cards. The National Retail Federation expects nearly $25 billion was spent on gift cards in 2010. They're perfect for both sides of the gift - they're easy to buy, easy to use, and no one has to worry about a gift that's the wrong size, color, or style. Both givers and receivers ... READ MORE

Is the Sky the Limit for Air Fares and Fees
Gone are the days of racing through the airport hallways to catch your plane just before takeoff. No more bringing steaming cups of coffee and overflowing luggage onto the plane. Flying today involves many requirements, limits and precautions. And some are downright annoying. TSA Swabs for Traces of ... READ MORE

Its Getting Harder to Light Up
First it was airplanes. Then it was trains and buses. Now, smoking bans have extended to rental cars. On October 1, 2009, Avis and Budget, two popular rental car companies, have become the first to ban smoking in all of their North American cars. Why Ban Smoking in Rental Cars? It costs the companies ... READ MORE

Overhauling the US Financial System
Update Buried in the 2,300 pages of provisions that make up the new financial reform law is a measure that allows the Securities and Exchange Commission (SEC) to deny requests for information, even those that come under the Freedom of Information Act. The new law says the SEC doesn’t have to reveal ... READ MORE

Paying with a Credit Card Where Does the Money Go
  Update. The US Senate passed an amendment to proposed law to limit "swipe fees" charged by credit card companies Credit card companies charge merchants a fee each time you buy something using a credit card These fees, called interchange fees, are usually about 2 percent of the transaction cost Sellers ... READ MORE


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Quite possibly there is a contractual or statutory "mechanics" lien if you did not pay the transportation bill. You need to pay the transportation nill, get the car and then fight about contract issue ...Read more

Did you write to Lowes (not talk with rep but write to their higher ups)? Did you pay a deposit? Demand the return of the deposit if they haven't commenced work. I don't know what your agreements call ...Read more

Yes the primary signer can sue you.

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Landlord Tenant Law in California

Busily micromanaging the residential rental market from Sacramento, our legislators have made landlord-tenant law in California a minefield for landlords. Here’s one mine you might not know abou ... Read more

In PA if you owe money on payday loans can they arrest you?

Q: I have defaulted on 2 pay day loans a couple years ago and tried to work out a payment plan. I have been getting harassing calls and threats that there is a warrant for my arrest. (Butler, PA) ... Read more

CFPB May Crack Down Further on Debt Collectors as Result of Survey – See mo

With nearly $800 billion being held in credit card debt today by US citizens, many still experience harassment by debt collectors daily, despite laws that have been put in place to prevent such activi ... Read more

Is Your Older Child Ready for a Credit Card?

Many of us received our first credit cards before the age of twenty. Credit-card companies often target college-age students, setting up on campus during various events and making getting credit as ea ... Read more

Zanes Law, The Bill Holmes Legacy Fund, and Up With People!

The Top 3 Ways That We Were Able To Change Lives By Partnering With Up With People My wife, Claudia, and I lost a wonderful friend named Bill Holmes on July 18, 2016. We were fortunate to have known B ... Read more

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