Look over any debts your creditors claim you owe, and "make certain the amounts are correct" and that you indeed owe them that amount(s). If there's any doubt whatsoever that the amount(s) stated to you are incorrect, make direct contact with the creditor to resolve your questions.
If you're still in doubt about the amount of the debt owed by you, contact your state or local consumer protection office or state Attorney General. You should ALWAYS first contact your creditors and let them know that you're experiencing hardship in making your payments. Let them know why this is, and that you cannot make payments. Don't forget to mention the reason(s) that you're having trouble. It could be that you recently lost your job or have received some unexpected medical bills.
Do your best to work out "an acceptable payment schedule" with your creditors. Usually, most creditors are usually willing to work with you if you've been up front and honest with them. Creditors appreciate honesty and directness. The Fair Debt Collection Practices Law prohibits a debt collector from (1) revealing what you owe other than to your lawyer (2) threatening or harassing you (3) making false statements (4) providing false information about you to anybody (5) misrepresenting the actual legal status of your debts. Remember that under other federal laws to collect an outstanding debt, creditors cannot seize your assets or personal belongings, and can ONLY garnish a small portion of wages to make good on the debt.
A lemon law is a type of law that protects consumers from getting bad products, in this case, vehicles. In the United States, each of the states has its own form of lemon law. Each state regulates how much is to be provided as well as what standards each vehicle must be sold under. In basic terms, if the manufacturer says that the vehicle runs well and it doesn't, then they are in violation of the lemon law of that state depending on the state's specific standards. In most cases, anyone selling a bad car must replace it or refund the money for the car.
But, remember that each state is different. Each state has its own requirement for how much should be provided by the previous owner to the current owner. Also, in most cases, any defaults in the vehicle should be presented to the new owner prior to the purchase. If you find that a new car has actually been used, for example, you can have the dealership repurchase it from you or provide you with the new car.
It is important, though, that you check out your state's exact wording on the lemon law. What should you do if you think someone has violated the lemon law on your purchase?
* Contact your attorney and ask them if they feel that you may have been violated. Many will provide free counseling to provide you with an understanding if you do have a case or not.
* Make sure to keep your paperwork. It is very important for you to have any and all documentation of the car, its history and its current condition in your hand.
* The attorney will tell you about the lemon law of the state and you will decide what the next step is from there.
* You should contact your attorney prior to trying to deal with the company yourself as to avoid more problems.
For more information please see http://www.lemon-law-help.co.uk
A motor vehicle crash can be terrifying event, and when it happens, most people are utterly unprepared for what to do next. What you do, what you say, and how you deal with the other people at the crash site can have legal implications that affect you for the rest of your life. Both at the time of the crash and later on, there are some basic actions that seasoned auto collision attorneys recommend as legal first aid to protect your rights: * At the time of the crash After a crash you may be in a state of shock, and too seriously injured to do anything on your own behalf. If you are able to move about safely, it is important to obtain names of witnesses who observed what occurred and to exchange driver's license and insurance information with all other drivers involved in the crash. This is essential to do whether or not a police or highway patrol officer is called to the scene. * As soon as possible afterwards Be sure to notify your insurance carrier of the collision and to cooperate fully with your own insurance company. * Be aware of statutes of limitation in your state These laws limit the time by when you must file a claim or a lawsuit. It is important to know which statutes apply to your particular circumstance. It is wise to contact a knowledgeable automobile collision lawyer as soon as possible after the crash in order to make sure that your rights are not forfeited, and that you can pursue your civil remedies. * Investigation and gathering evidence It is crucially important for investigation to start before memories fade and before critical evidence at the collision scene has been removed, washed away or otherwise eliminated. Experienced automotive collision lawyers work with motor vehicle collision investigators who can travel to wherever your vehicle collision occurred to help find vital evidence and secure it for your case. While you are receiving medical care and recovering from your injuries, you many not feel ready to have your case resolved. Nonetheless, evidence collection needs to be under way. An experienced auto collision lawyer can obtain factual statements, scene photographs, accurate measurements, and collision photographs, leaving you to focus on your recovery and return to the quality of life you enjoyed before your injuries.
A “statute of limitation” is a time frame that defines the length of time an individual has to file a claim. The time limit begins when an injury occurs, or is discovered, and concludes on the latest date the injured person can file suit. These time limits vary from state to state, and depend on the type of claim to be filed. The time frame of the statute of limitations usually begins when the injury or wrongful act occurs. However, some states may allow a claim to proceed if the wrongdoing or injury was not discovered until a later date. The time frame would then begin on the date of discovery.
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