| Volume 115 Number 3 |
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The People’s Lawyer’s Tip of the Day
Are you or one of your children considering taking out student loans for college? There are very real differences between federal student loans and "private" student loans, and you should know about them before you or your student signs on the dotted line. Click here for more.
McDonald's Plans Move to Cage Free Eggs
In response to pressure from animal rights groups, McDonald's has announced that it plans to stop using eggs from chickens raised in cages in the U.S. and Canada over the next decade. McDonand's purchases more than 2 billion eggs annually for its Egg McMuffins and other products in North America. 10% of the eggs McDonald's currently uses are cage free, in keeping with the fact that 10% of the egg laying chickens in the U.S. are cage free. The move will likely have a large impact on the North American egg industry. Click here for more.
Your Money
Did you know that you don't have to carry a balance on your credit card to build a good credit score? As long as you pay on time, even if you pay in full every month to avoid interest charges you are building good credit. This link discusses this and four more credit score myths that might be costing you money or a good credit score. Click here for more.
For the Lawyers
Minor changes in telemarketing language do not defeat class certification. The Third Circuit held that a district court was wrong in refusing to certify a class. The district court recognized the plaintiff’s theory of a sham enterprise, but focused on the fact that different sales pitches were used and different products were pitched. The Third Circuit vacated, reasoning that the district court did not adequately consider evidence of the structure of each of the alleged fraudulent schemes and related FTC investigations. “If absolute conformity of conduct and harm were required for class certification, unscrupulous businesses could victimize consumers with impunity merely by tweaking the language in a telemarketing script or directing some (or all) of the telemarketers not to use a script at all but to simply orally convey a general theme designed to get access to personal information such as account numbers.” Reyes v. Netdeposit, LLC Click here for more.