| Volume 86 Number 2 |
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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.
For more general information about the law, check out my website.
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FDA to Examine Antibacterial Soap
Does antibacterial soap actually work? Does it do more harm than good?
These are just two of the questions that the Food and Drug Administration will decide in the coming months. The study focuses on triclosan, the antibacterial ingredient found in many soaps, mouthwash, and toothpaste. Triclosan has been used in consumer products for more than forty years.
What took the FDA so long to evaluate the safety of triclosan? Is it safe?
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Consumer Sues Lancôme for Fale Advertising
A New York consumer is suing Lancôme for false advertising, alleging that the company's make-up product doesn't stay on the skin for 24 hours as advertised.
A spokesperson for Lancôme insists the lawsuit has no merit and the company stands behind its product.
Does the consumer have a case? Or, do Lancôme's representations amount to nothing more than "puffery."
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Avoiding Retirement Debt Traps
Are you nearing retirement? If so, you may be questioning whether or not you have enough money to remain financially stable.
As you approach retirement, you may be tempted to make decisions that could dramatically harm your future financial stability. From high interest credit cards to "pension advance" loans, potential pitfalls are many and varied.
How can you avoid the worst debt traps as you approach retirement?
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Your Money
How large a line of credit can you obtain?
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For the Lawyers
Payday lender can’t enforce online arbitration clause. The Montana Supreme Court held that a payday lender could not enforce an arbitration clause included in its online loan application form. The court noted, “[The defendant] has presented no evidence to suggest that [the plaintiff] qualifies as a sophisticated party with significant business experience. Further, it appears that economic duress compelled [the plaintiff] to enter into this contract for a $600 payday loan with a 780 percent APR…. It continued, “The arbitration clause qualifies as a contract of adhesion and falls outside [the plaintiff’s] reasonable expectations, and, therefore, the arbitration clause is unconscionable."
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