Retailers often offer “interest free” purchases. These “deals” are actually credit cards offered by banks. But these banks can’t make money when the credit they are offering is interest free. So they put obstacles in the way to make it difficult to comply with their terms to ensure that you end up paying them something and they turn a profit.
Continue readingCan Employers Discriminate on the Basis of Sexual Orientation?
Sexual orientation discrimination is still too prevalent. Differing state and federal laws and protections require careful analysis and an experienced attorney to ensure that your rights are properly enforced.
Continue readingHas Your Lender Charged You for an Insurance Policy You Did Not Need?
Regulators and courts are scrutinizing lenders and loan servicers for buying force-placed insurance policies. A primary concern is the relationship among loan servicers, lenders, and insurers.
Continue readingWhy Age Discrimination is a Growing Problem
All forms of discrimination are disgusting. And employees are entitled to be judged on the merits of their performance, not their race, color, gender, or other irrelevant consideration. But age discrimination is especially egregious for two related reasons.
Continue readingIs a Foreclosure-Related Letter an Attempt to Collect a Debt?
Foreclosure-related notices are treated differently than other types of debt collection letters. There are several important factors that determine whether they are subject to the Fair Debt Collection Practices Act.
Continue readingCan You Revoke Consent to Receive Debt Collection Calls and Texts?
You ever wonder why a credit card, lease, loan, or other agreement is dozens of pages of tiny print? So they can hide provisions whose sole purpose is to prejudice your rights. I’ve talked in the past about mandatory arbitration provisions and the lengths corporations go to keep you out of court. However, careful consumers need to also keep their eyes open for provisions which grant the business the right to contact them through the use of an automatic dialing system.
Continue readingBig Corporations Don’t Want to See You in Court
You probably think that if your consumer rights are violated by a bank, credit card company, or other corporation, you will have your day in court. However, what few consumers know is that many consumer contracts (like your loan, bank deposit, or credit card agreements) contain forced arbitration provisions.
Continue readingCAN A RHODE ISLAND EMPLOYER DISCRIMINATE AGAINST YOU FOR USING MEDICAL MARIJUANA?
Your right to lawfully use medical marijuana outside of the workplace and in a manner that does not negatively impact your ability to perform your job may not be impeded by your employer.
Continue reading