| Volume 8 Number 9 |
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Popular New Year's Resolutions: Here is some help on keeping your New Year's resoultions. Have a Happy Holiday, see you next year, Richard Alderman, The People's Lawyer Click here for more.
The People’s Lawyer’s Tip of the Day
"All sales final, no returns, no refunds and no exchanges" does not mean you are stuck with defective goods. Every merchant makes warranties as to the quality of what is sold. Language like "no refunds or exchanges" just means you cannot change you mind if you do not like what you bought.
Credit Card Fees Can Suck You In
Remember when most of us paid only an annual fee on credit cards? Today, late fees and over-the-limit fees are replacing that annual fee. Add in a dizzying array of extra charges: for phone payments, "expedited" online payments, credit card use overseas and balance transfers from other cards. At a time when Americans wield more plastic than ever ,692 million credit cards, with $711 billion of debt, fees and policies have grown so complex that even regulators struggle to grasp them. Click here for more.
Ten Missteps That Will Plunge You into Debt
It is that time again when we look at the old year and say that we will do more, better, smarter things next year; that the sins of the past will forever be buried and having learned many painful lessons, we shall become new men and women. Ha! Fat chance. Click here for more.
Do You Have Too Much Debt?
Nearly every red-blooded American is walking around with at least some debt. After all, most of us have mortgages. Many of us have auto loans. Parents and students go into hock all the time to foot college bills. And let's not forget credit cards.... The question is, do you have too much? Click here for more.
Your Money
Holiday spending work sheet Click here for more.
For the Lawyers
Attorney can be sued for failing to advise client of risk of losing. A California Court of Appeals has held that a lawyer who represented a party in homeowners dispute could be sued for failing to advise his client that her failure to settle exposed her to the risk of having to pay her opponents' attorney fees, which were well in excess of the original amount in dispute. Click here for more.