Disputing Credit Card Chargebacks: Legal Recourse for Fraud

A chargeback is the consumer's last line of defense against fraud and other inappropriate credit card charges. Under state and federal law, credit card companies are required to offer chargebacks to consumers for disputed charges. Chargebacks are essentially refunds for consumers with valid disputes against charges on their credit cards. Chargebacks can be initiated for two main reasons: billing errors and claims and defenses. Chargebacks on Billing Errors Mistakes can and do happen in the retail sector. A credit card company may mistakenly charge you twice for a product or service, or a business may charge you for something you didn’t order. When billing errors occur, you can file for a chargeback and dispute the charge. Billing errors, under law, may include: Charges for goods or services delivered late Charges for items that were never received Unauthorized charges Charges for items other than those purchased Math errors Failure to post...
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What Happens if a Workers' Compensation Claim is Contested?

Employers are typically required to have workers' compensation insurance. This coverage compensates workers for lost wages if they are injured in a work-related accident. Many workers are surprised to learn that their employers can dispute the validity of their workers' comp claims. In some cases, the dispute ends in the employer's favor because the worker did not have a valid claim. What Types of Injures are Covered Under Workers' Compensation? Broadly speaking, injuries that are connected to employment requirements and/or conditions are covered under workers' compensation. A restaurant server who develops lung cancer because of exposure to second-hand smoke in the restaurant would likely be covered under workers' comp. The same would apply to a receptionist who develops carpal tunnel syndrome due to extensive hours of computer work. Most injuries that occur in the workplace are covered by workers' comp, but employees may also be eligible if an injury occurs...
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Using Social Media Posts as Evidence in Canadian Personal Injury Cases

Defendants in personal injury cases often go to great lengths to prove the plaintiff's claims are either exaggerated or invalid. At one time, that meant hiring a private investigator to follow the plaintiff around and trying to capture evidence that contradicts claims made in the lawsuit. Today, finding evidence to support the defendant's case is as easy as following the plaintiff on social media. All across Canada – and in other parts of the world – social media posts are being used as evidence in personal injury. In March, the British Columbia Supreme Court rejected one woman's claim for hundreds of thousands of dollars in damages after photos on Facebook contradicted her claims. The woman said two car accidents left her without friends, depressed and unable to leave her home. But 194 pages from Facebook and hours of surveillance video proved otherwise. The woman was seen out with friends and...
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What to Do After an Accident in California

California's busy highways make it a state with 3,104 people killed and 223,128 people injured in traffic collisions in 2013. Whether you're a driver that causes an accident or a passenger involved in an accident that you had no fault in, you need to follow the appropriate steps to protect your rights after an accident. The steps you'll want to take immediately following an accident, include: Call 911 to report the accident, or call the local police if no injuries are apparent. Obtain the name, number and address of all witnesses and drivers involved. Obtain license plate numbers for all vehicles involved in the accident. If safe and there aren't further concerns of injury, take photos of the vehicles involved in the accident. You'll want to take photos of the accident scene, roadway and anything else of importance following the accident. Write down the events that led to the accident...
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Common Misconceptions About Concealed Carry Law

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These days so many talk about concealed carry low. The debates are as strong as when the mass shootings happened. Unfortunately, the big problem is that people do not actually know much about the law but they do tend to believe what others say. Because of this, various misconceptions and myths appeared. Remember the fact that there are differences between the laws that exist in different US states so you will need to be aware of current situations based on where you get your CCW free course done. However, the common misconceptions you should not believe are the following. Guns Can Be Carried Everywhere This is simply incorrect and laws will vary based on state, although there are different places that will be off-limits for the permit holders. This does include government properties as guns fall under federal law. We also have concealed guns that are prohibited in some states...
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