| Volume 37 Number 5 |
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The People’s Lawyer’s Tip of the Day
Don't ever click on a link in an email message from a financial institution. There are so many scams involving fake emails from banks, credit unions, credit card companies, and other types of lenders that my advice is to assume everything you receive is fake. If you think it might be genuine, call the institution to verify it. Click here for more.
The 3 Day Cancellation Myth
Many consumers believe they have three days to cancel some or all consumer transactions. Most of the time, this is not true. The three day right to cancel law applies to sales made at facilities other than the seller's place of business. Such locations include the consumer's residence, hotel rooms or convention centers. Even then, the law only applies to certain transactions and facts. Find out the real 3 day cancellation rule! Click here for more.
Prescription Drugs - What You Need to Know
Do you purchase prescription drugs? The Texas Attorney General protects consumers of prescription drugs in a number of ways. For a list of protections, and some general suggestions, Click here for more.
Swine Flu Update
Initially, it appeared the H1N1 flu ("Swine Flu") targeted young and healthy individuals. However, as the disease continues to spread, it appears the H1N1 flu preys on the weakest. If you suffer from underlying health problems, you should be extra cautious. For more information, Click here for more.
Your Money
Find out how much you will pay for your mortgage with this amortization schedule calculator. Click here for more.
For the Lawyers
E-Mailed Confirmation Containing Credit Card Expiration Date is not a FACTA Violation. The U.S. District Court for the Southern District of Florida has held that e-mail order confirmations are not “printed” for purposed of the Fair and Accurate Credit Transactions Act, and thus failure to remove a credit card's expiration date in an electronic confirmation is not a FACTA violation. Click here for more.