| Volume 54 Number 2 |
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The People’s Lawyer’s Tip of the Day
Take advantage of the new law and save money. Debit cardholders will not face large over-draft fees, often $30-35, unless the cardholder expressly “opts-in” and elects to allow the card company to approve over-draft transactions. Save money and just say “no.” You may change your election at any time. You also may not be charged a fee to pay your credit card bill by phone or Internet, and issuers may not set arbitrary cutoff times for receipt of payments. Fees may not be charged for payments received by the due date -- or the next business day, if the bank doesn't accept mailed payments on the due date. Finally, credit card issuers may no longer charge an “inactivity fee” if you don’t use your card. Click here for more.
GroceryIQ Smartphone App Saves Money
Do you have a smartphone running on the iOS or Android operating system? If so, you can take advantage of a new program that helps you save money while you shop. Using the camera on the phone, GroceryIQ allows you to scan the barcodes of your items, then syncs the items to a list. The program organizes the items and automatically searches the internet for coupons. Applications like ShopSavvy have been popular for a while, but GroceryIQ is among the most popular applications specifically for grocery shopping. Can it help you save? Click here for more.
President to Unveil New Economic Plan
With midterm elections on the horizon, President Obama will soon introduce a new economic plan in an effort to "turn on" the economy. The plan will likely include permanent tax cuts for business research and development. How could the plan impact the November elections? Click here for more.
Fastest Growing Jobs in America
Unsure which profession in right for you? Going to college and trying to plan for your future? Check out the fastest growing professions in America! Click here for more.
Your Money
How will inflation and taxes affect my savings? Click here for more.
For the Lawyers
FDCPA does not require explicit demand for payment. The Seventh Circuit held that a loan modification letter violated the FDCPA, despite the fact that the letter made no explicit demand for repayment. The court noted that the Act applies to any letter sent "in connection with an attempt to collect a debt," and that these letters satisfied that standard. Click here for more.