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Consumer Rights and Protection

Also known as Consumer Protection laws, consumer rights and protection are government regulated laws that protect the consumer from unfair trade practices by businesses. Consumers are those that purchase goods and/or services.

512 Questions

What is Disposition of the offense?

It means "what happened after you were charged" e.g.

dismissed, probation, 2 years to serve,etc.

Can the towing company charge you to retrieve your personal property in Minnesota?

If your vehicle is in a private impound or police impound then yes. They only are obligated to give you without charge your government issued ID card(s), medication(s), and corrective lenses. They can hold anything else, even your house keys, clothes, food, whatever. Also if you "abandoned" your vehicle at an impound in Minnesota and the towing company goes through the legal process of placing a lien on your vehicle the property goes with the car.

Why is the doctrine of caveat emptor not applicable to the contract of insurance?

The concept of "Caveat Emptor" finds a mention in judicial systems of common law. For example it appears in the Sale of Goods Act in India. Caveat Emptor is a concept which is becoming slightly lesser relevant because of the huge variety of means through which goods and services are being sold in today's market.

Caveat Emptor means the Buyer Beware.

A contract of insurance is however a different contract and is guided by different principles such "utmost good faith",etc. The reason being that in a contract for insurance, for example in life insurance, the person getting himself assured must show utmost good faith. This means he should disclose all the material factors which are likely to influence the insuring party.

The concept of Caveat Emptor not being applicable because the insurer can in no way possibly forsee all the possible conditions likely to effect his interest. The insured is in the best position to know this.

Is buying an rx Xanax 1 mg 90 tablets online a felony?

The law varied by state and in most placed depends on how much you buy.

It is illegal in all states and according to federal law. The fact that you are using the mail may actually be the bigger issue if you are caught.

Is there any hackers who block your computer and ask you to pay money to unblock it?

That depends on what you mean by "block". If you mean block access to the internet - that's pretty tough to sustain since you can usually resolve the problem by calling your ISP to get them to fix the problem there or by restoring the portions of your operating system that take care of establishing connections to the network and running your browser or other applications that utilize the network.

On the other hand, there are some @sshole criminals who will cause the contents of your files to become encrypted and then demand that you pay money to them to get the necessary cryptographic key to decrypt and restore your files. They usually target companies because they can extort more money from them but they have been known to attack individual users. Like any hostage situation, there is no guarantee that the victim will get the hostage (in this case data) back intact once they have paid the ransom. This is one of many reasons that good practice is to back up all critical files regularly and store them offline separate from the primary storage so that in the event of data loss, you can restore the lost files.

Note that most (albeit not all) of these criminals operate from countries where there are no laws or little enforcement of existing laws to prosecute cyber crimes so victims are usually left with only two choices:

1. try to recover their data another way (hopefully from backups)

or

2. pay the ransom and hope that they will really get their data back.

Involving the law may not do any good if the authorities in the country where the criminals reside are unable or unwilling to prosecute.

I suppose that a sufficiently wealthy and unethical company could hire someone to hack back to the criminals, locate them, and then send some goons to rough them up to get the data back, but that's a pretty shady way to approach it and still not a guarantee that the data would be recovered. Better to use appropriate measures to prevent the intrusion in the first place and have backups to permit recovery if the preventive measures fail.

Is bankruptcy easier for consumers now?

No, bankruptcy laws are getting more strict to stop people from abusing it.

Can a store refuse to accept a return if the water purifier you bought would not fit your faucet no receipt Store would not give gift card No notice of non returnable?

The store is probably within its rights to refuse doing anything without a receipt. Unfortunately some people steal merchandise and then try to return it for the money. Makes it harder on honest customers.

Check with your local authority to discover the consumer legislation relevant in your area.

However, if you used a Credit Card, you MAY be able to take your case to them.

OR, ask the store for an exchange rather than a refund.

Why are whistle-blowers gang stalked and harassed by the government?

Because there is a secret government within the government that is sectret and they want to keep it secret and no one knows why they keep it secret or try to stop them from keeping it a secret because those who know why it is a secret keep it a secret. Something like that....anyhoos, they are willing to go to great lengths to keep their secret from citizens because if their secret is blown all hell will break loose and us good ol "we the people" might kick their evil-doing, egotistical, psychotic, unamerican, unpatriotic, freedom takin, liberty squandering, asses out and get some real results. Or I could have given you the short answer....whistleblowers are targeted because evil runs our system and they want to keep it that way. Evil never prevails....got that on the highest authority.

What is the cooling off period for contracts made in-person in stores in the UK?

Basically, Parents made an impulse buy on two sofas they saw in a shop, and purchased them, with the way of paying in deposits over 3 years. When they saw the interest rate on the deposits afterwards, it came out to being about 2X the original sofa price in the end. 3 hours later, they try to cancel contract, believing they were safely within a "cooling off period". Is it possible to cancel the contract? How long would they have to do it (how long is the "cooling-off period"?

What was the Semiconductor Chip Protection Act?

Th Semiconductor Chip Protection Act of 1984, specifically protected semiconductor design, or "mask work," for up to 10 years.

If you put 1500 dollars down on a car and drive it for 2 weeks and the transmission goes out do you have any rights?

If you bought the car "as is," then no, you have no legal recourse. That's why you always have a mechanic check out a used car before you sign.

If on the other hand you bought the car from a reputable dealer that offered a warranty, then you MIGHT be covered. It would have to be determined whether or not the transmission failed due to your negligence or not. Good luck with that.

Do I have to pay a bill from a fire department for an accident I didn't cause?

i think there will be an investigation and trial for the cause of the fire

Added: If by "accident" you mean an automobile collision - even if you were not charged with the incident, if you used any Fire Dept. services (e.g.: you were transported by ambulance) you DID use their services. Some municipalities have begun to charge for this formerly 'free' service. I would turn the bill over to your insurance company (you DO have insurance don't you?) and let them handle it.

What are the objectives of Consumer Protection Act?

The Consumer Protection Act protects consumer from fraud. It ensures that consumers are aware of harmful products on the market.

What are the consequences of not accepting a certified letter?

A certified letter contains important information or it wouldn't be certified. It may have legal consequences and you will not be aware of them. If you don't know what's going on then you cannot defend yourself. Your refusal to accept the letter can be used against you in court.

A certified letter contains important information or it wouldn't be certified. It may have legal consequences and you will not be aware of them. If you don't know what's going on then you cannot defend yourself. Your refusal to accept the letter can be used against you in court.

A certified letter contains important information or it wouldn't be certified. It may have legal consequences and you will not be aware of them. If you don't know what's going on then you cannot defend yourself. Your refusal to accept the letter can be used against you in court.

A certified letter contains important information or it wouldn't be certified. It may have legal consequences and you will not be aware of them. If you don't know what's going on then you cannot defend yourself. Your refusal to accept the letter can be used against you in court.

How is a consumer cheated?

One way is by selling low quality products at a very high price.

Another is for the vendor to not back up a warranty.

What is Arkansas wage garnishment law?

Read this:

http://www.dol.gov/esa/whd/regs/compliance/whdfs30.pdf

We had our entire paycheck garnished this week and by FEDERAL LAW they should have only received 25% MAXIMUM!! Off to an attorney tomorrow... I need to save our house.

We are Arkansas residents and this scavenger attorney who debt collects broke Federal laws.

What if the repo man takes the wrong car?

Repossession agents go to great length to make sure they are repossessing the correct vehicle. Plate numbers, make and model, year of model and especially VIN are cross checked against the lending agencies records from the date of sale to ensure the vehicle being repossessed is correct.

In theory, if a repossession agent took the wrong vehicle it would be up to the rightful owner of that vehicle to decide if they wanted to press charges or not. If it was a honest mistake and there was no malice aforethought; their might be a fine and the business license of the repossession agent could be in serious jeopardy, but a mistake such as you ask about is so exceedingly rare.

When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you default on your contract in any way, your creditor may have the right to repossess your car. Talking with Your Creditor

It is easier to try to prevent a vehicle repossession from taking place than to dispute it afterward. Contact your creditor when you realize you'll be late with a payment. Many creditors will work with you if they believe you'll be able to pay soon, even if slightly late. Sometimes you may be able to negotiate a delay in your payment or a revised schedule of payments. If you reach an agreement to modify your original contract, get it in writing to avoid questions later. Still, your creditor may refuse to accept late payments or make other changes in your contract and may demand that you return the car. By voluntarily agreeing to a repossession, you may reduce your creditor's expenses, which you would be responsible for paying. Remember that even if you return the car voluntarily, you're responsible for paying any deficiency on your credit or lease contract, and your creditor still may report the late payments and/or repossession on your credit report. Seizing the Car

In many states, your creditor has legal authority to seize your vehicle as soon as you default on your loan or lease. Because state laws differ, read your contract to find out what constitutes a "default." In most states, failing to make a payment on time or to meet your other contractual responsibilities are considered defaults. In some states, creditors are allowed on your property to seize your car without letting you know in advance. But creditors aren't usually allowed to "breach the peace" in connection with repossession. In some states, removing your car from a closed garage without your permission may constitute a breach of the peace. Creditors who breach the peace in seizing your car may have to pay you if they harm you or your property. A creditor usually can't keep or sell any personal property found inside. State laws also may require your creditor to use reasonable care to prevent others from removing your property from the repossessed car. If you find that your creditor can't account for articles left in your car, talk to an attorney about whether your state offers a right to compensation. Selling the Car

Once your creditor has repossessed your car, they may decide to sell it in either a public or private sale. In some states, your creditor must let you know what will happen to the car. For example, if a creditor chooses to sell the car at public auction, state law may require that the creditor tells you the date of the sale so that you can attend and participate in the bidding. If the vehicle is to be sold privately, you may have a right to know the date it will be sold. In either of these circumstances, you may be entitled to buy back the vehicle by paying the full amount you owe, plus any expenses connected with its repossession (such as storage and preparation for sale). In some states, the law allows you to reinstate your contract by paying the amount you owe, as well as repossession and related expenses (such as attorney fees). If you reclaim your car, you must make your payments on time and meet the terms of your reinstated or renegotiated contract to avoid another repossession. The creditor must sell a repossessed car in a "commercially reasonable manner" - according to standard custom in a particular business or an established market. The sale price might not be the highest possible price - or even what you may consider a good price. But a sale price far below fair market value may indicate that the sale was not commercially reasonable. Paying the Deficiency

A deficiency is any amount you still owe on your contract after your creditor sells the vehicle and applies the amount received to your unpaid obligation. For example, if you owe $2,500 on the car and your creditor sells the car for $1,500, the deficiency is $1,000 plus any other fees you owe under the contract, such as those related to the repossession and early termination of your lease or early payoff of your financing. In most states, a creditor who has followed the proper procedures for repossession and sale is allowed to sue you for a deficiency judgment to collect the remaining amount owed on your credit or lease contract. Depending on your state's law and other factors, if you are sued for a deficiency judgment, you should be notified of the date of the court hearing. This may be your only opportunity to present any legal defense. If your creditor breached the peace when seizing the vehicle or failed to sell the car in a commercially reasonable manner, you may have a legal defense against a deficiency judgment. An attorney will be able to tell you whether you have grounds to contest a deficiency judgment.

Can the agent have higher authority than the principal?

If we go strictly as per the law the answer would be NO. However, law confers upon the agent the power to do things which even the principal would not be entitled to; under extraordinary circumstances. These can be situations in which public safety is involved, in avoiding some natural calamity, to promote a greater good, etc.

The exceeding powers are very limited and are available for exercise only in unforseen or uncontrollable circumstances.

A Case study of food sanitation and safety?

in a food safety and sanitation, you should be able to follow all the rules and regulation's they prescribe............

How can a consumer complain in a reasonable manner?

This is a very broad question, but the simple answer (for the United States) is through federal and state level consumer protection agencies and laws. A consumer can contact any agency such as the Federal Trade Commission, Food and Drug Administration, and California Department of Consumer Affairs and file a complaint. If there is no specific agency for your issue, it is best to contact a legal professional to learn your full rights within certain laws. Examples of well known consumer protection laws include the Truth in Lending Act, Fair Credit Reporting Act, and, if you're in California, the Song Beverly Act.

I'll illustrate your right to complain as a consumer within certain laws using the Song Beverly Act, commonly known as "Lemon Law", as an example. California Lemon Law provides protection for consumers who have purchased a new motor vehicle that is defective, or a "lemon." There are a number of criteria, but essentially if a car is under warranty and has had a serious defect repaired or replaced a "reasonable" number of times, usually around 4, the car can be considered a lemon and the manufacturer has to either replace or repurchase the vehicle. If the manufacturer refuses to do either of these, this is where having an attorney would be extremely helpful to exercise your rights as a consumer under the law.

What are the towing laws in Ohio in regards to an area that does not list that it is a tow away zone and or that the zone is designated parking yet the car was still towed?

In Ohio the "zone" must be properly posted as per 4513.60, no exceptions. The sign must be in accordance with this prdinance or eles it is an illegal tow, i.e. grand theft auto.

What is the main function of the Telephone Consumer Protection act of 1991?

It allows the FCC to create rules that limit unsolicited phone calls to consumers by businesses and organizations.

Is Title 18 Section 1302 of the US postal Lottery Law Legal or Illegal?

Seems like a bit of a reach, but since it still appears in the US Code one would have to conclude that it is, in fact, legal and enforeceable.