| Volume 38 Number 8 |
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The People’s Lawyer’s Tip of the Day
Voluntarily returning a car you can't pay for may not get you off the hook. In most cases, the car will be sold and you will owe the difference between your debt and what the car sells for. If you think the car is being accepted in exchange for release for your debt, get that agreement in writing. Click here for more.
Chyrsler Shielded from Product Liability
Were you injured as a result of a product defect associated with a Chrysler? As a result of the Chrysler bankruptcy and subsequent sale to Fiat, Chrysler is now "shielded" from product liability claims that existed prior to the bankruptcy. Simply put, anyone with a pending injury claim against Chrysler may have no hope of recovery. Click here for more.
Small Claims Court
Do you have a legal dispute with a person or a business? Does the dispute involve less than $10,000? Small claims court might be your best option. Visit The People's Lawyer website for answers to your small claims court questions! Click here for more.
A Case for Universal Health Care Coverage
President Obama has moved on to the next part of his agenda as President - health care. Speaking before members of the medical community, President Obama painted his vision of the future of the US health care system. President Obama discussed universal health care, electronic record keeping, potential limits on medical malpractice claims, and more. Changes in the health care system won't come without a fight - republicans and democrats are split down the aisle. What makes the issue of health care so complex and polarizing? Click here for more.
Financial Incentives for A/C Systems
Are you in the market for a new air conditioner? New financial incentives exist for consumers ready to purchase a new system. From significant savings on electric bills to high dollar rebates, purchasing a new A/C system could actually save you money in the long run. Find out how to buy and save! Click here for more.
Your Money
How large a line of credit can I obtain? Click here for more.
For the Lawyers
Credit agency isn't required to process fraud alert from Lifelock. A U.S. District Court in California has held that Experian isn't required to process a fraud alert issued by an identity theft prevention service on behalf of its customer. Under the law, when a consumer reporting agency like Experian receives a valid request for a fraud alert, the reporting agency is required to place certain information in the requesting consumer’s file, refer the request to the other reporting agencies, and send the consumer certain disclosures. The FCRA requires consumer reporting agencies to place a fraud alert “[u]pon the direct request of a consumer, or an individual acting on behalf of or as a persona representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft . . . .” The court found that under the clear terms of the legislative history, any request for a fraud alert “must” be made by “an individual,” and not by a company like Lifelock. Click here for more.