| Volume 89 Number 9 |
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The People’s Lawyer’s Tip of the Day
Writing a post-dated check is a good idea when you don't have the money in the bank but will soon, right? Wrong!
As a general rule a post-dated check may be paid by your bank at anytime.
Do not write a post-dated check if you don't have the money in the bank.
For more general information about the law, check out my website.
Click here for more.
Consumers Can Prevent Robocalls
According to a federal appellate court in Pennsylvania, consumers have the right to prevent calls from automated dialing services by revoking consent.
The ruling stems from a case in which a woman was received forty calls in three weeks from Dell attempting to collect a delinquent debt. Despite sending a letter asking it to stop, Dell continued to call. The case is different from others because it involves whether a consumer may revoke consent after previously providing express consent.
The court relied on the Telephone Consumer Protection Act of 1991, stating:
"We find that the TCPA provides consumers with the right to revoke their prior express consent to be contacted on cellular phones by autodialing systems."
What does this ruling mean for consumers?
Click here for more.
New Health Care Law Subsidies Available
With health insurance exchanges kicking in starting at the beginning of 2013, low to mid income Americans may be able to get a break on their premiums. By some estimates, nearly 50% of Americans could qualify for subsidies for an average savings of about $5,500. A single person making less than $45,960 or a family of four pulling in less than $94,200 should be eligible for some potentially significant savings. Those who make more will be responsible for the entirety of the cost.
For a full breakdown of subsidies available under the Affordable Care Act,
Click here for more.
Ask the Pilot Series
Are you fascinated by airplanes? Do you want to know more about how planes fly and what the pilot is thinking?
United Airlines has started a series called "Ask the Pilot."
Why does a pilot take off into the wind? Do pilots fly more than one type of plane? How do pilots know when it's a "smooth ride ahead" before taking off?"
Find out now!
Click here for more.
Your Money
Do you qualify for a subsidy under the new health care law? Calculate your potential subsidy!
Click here for more.
For the Lawyers
Third party may not enforce arbitration clause.
The Ninth Circuit held that a debt processor could not enforce an arbitration provision contain in an agreement between a consumer and a debt-settlement program.
Click here for more.