Posted: 03 Mar 2014

Debt Settlement and Debt Negotiation


If you find your personal debt load unmanageable, whether for reasons such as job loss, a new baby, divorce, or something else, you may find yourself no longer able to make payments on all that you owe, let alone afford the cost of some minor or major emergency. In such a case, it may be tempting to ignore overdue notices or calls from collection agencies in the hope that you'll soon be able to resume your payments. It's important, though, to realize that ignoring your creditors can result in damage to your credit rating.


Posted: 01 Jun 1999

Leasing a Car


The ideal candidate for a car or truck lease is someone who wants to drive a new vehicle every two or three years. Leasing can help this person realize lower monthly car payments and a minimal or no down payment, lower maintenance and repair costs, as well as not having to be concerned with the reselling the car.

While that may describe the ideal candidate, the actual candidate is often more likely to be someone who finds a lease attractive because of the first two of those benefits ...


Posted: 01 Feb 1994

Readable Forms


If you offer credit to your customers, you probably use one or more standard forms. But if you ever have to write your own credit contract or other form, you may find yourself wondering where to put the "forthwiths" and "heretofores." And the answer may be to put them out of your misery.


Posted: 01 Jul 2012

Mechanics' Liens


If you're a property owner who's entered a contract for construction, alteration, addition or repair to your property, you should be aware that a mechanic's lien could be recorded against you and that, if it is, the consequences could be serious. At the same time, by understanding something about mechanics' liens, you will find that simple ways exist to protect yourself against that possibility.


Posted: 01 Jul 2009

"Cooling-Off" Rules


"Cooling-off" rules allow you a specified number of days after you make certain purchases under a contract to rescind the contract and get your money back. Enacted to combat high pressure and deceptive sales, the laws tell you how much time you have to cancel after signing the contract and what steps you must take to cancel.


Posted: 01 Jun 1996

Extended Warranties and Service Contracts


If you buy an automobile, a major appliance, or electronic equipment, you usually have the opportunity to buy an extended warranty or a service contract to cover it. A service contract is an agreement to cover the cost of repairs. It's similar to an insurance policy.


Posted: 31 Dec 2013

Hiring a Contractor


When you hire a contractor to repair, rebuild, or improve your home, the Business Consumer Alliance urges you to take the time to choose and hire the contractor who can perform work you'll be well satisfied with on terms you've agreed upon in advance.


Posted: 29 Sep 2014

Advance Fee Loans


Advertised on the radio and TV, on the internet, and in newspaper ads, Advance fee loan offers appeal to the people who need it most--those who can't get loans from conventional sources. Advance fee loan companies offer a ray of hope but are almost sure to leave the borrower worse off than before.


Posted: 10 Sep 2015

Used Car Warranties, Implied Warranties, and "As Is" Sales


Under the Federal Trade Commission's Used Car Rule, all sellers of used cars (except private owners) are required to place a "Buyers Guide" sticker in the window of their used cars, light-duty vans, and light-duty trucks. This Buyers Guide tells you whether the vehicle comes with a warranty, and, if so, which systems are covered, for how long, and what percent of repair costs the dealer will pay.


Posted: 10 Sep 2015

Used Car Buyers Bill Of Rights


The Used Car Buyer's Bill of Rights effective July 1, 2006 provides consumers with more legal rights when they buy a car.


Posted: 25 Oct 2013

Your Rights With Prepaid Rental Listing Services


For someone looking for housing for rent, classified ads in newspapers are a frequently-used source of information.  Sometimes, though, calling the number of a rental that sounds good may lead to a salesman, not a landlord, who offers to sell a list of rentals.


Posted: 14 Jul 2014

Mobile Apps


Mobile apps have become extremely popular with smartphone, tablet, and mobile device users. People all around the world download apps daily for everything from finding a restaurant, checking movie times, playing games, or reading books, to more serious things like mobile banking, managing accounts, checking stocks, etc. With more and more apps added daily, it’s important to know how mobile apps work and what you are agreeing to when you click that install button.


Posted: 11 Sep 2014

Payday Loans


Payday loans are commonly advertised as a quick fix to help with emergency situations such as unexpected auto repairs or to pay bills. Unfortunately these high rate, short-term loans can be very costly. Counting the cost before applying for a payday advance can help you avoid becoming entangled in a cycle of debt.


Posted: 23 Jan 2015

Avoiding Mortgage Relief Scams


If you find yourself facing foreclosure or fall behind on making your mortgage payment, you may be contacted by or seek the services of a company that claims they can “STOP FORE­CLOSURE NOW” or offers other mortgage relief assistance. Knowing the tell-tale signs of a scam can save you time, money, and maybe even your home.


Posted: 28 Jan 2016

Credit Repair


Bad credit is a frustrating obstacle that many find themselves having a hard time to get over. For many drowning in debt the services of a credit repair service may appear to be a lifesaver. However, there are some businesses that make grand claims but fail to deliver. Consumers should know there is no quick fix to improving your credit. This resource guide will help you identify your rights when it comes to credit, provide information on what credit repair companies can and cannot do for you, signs to identify a credit repair scam, and steps to take to protect yourself.