The first thing you must know about a car lemon law is that it is meant to make your life better and that it works to serve justice. All states in America enjoy this law and they may differ but, the fundamentals are more or less the same. Firstly, for you who does not know what a lemon is, you should pay close attention because you might have one. A lemon is a new or leased vehicle that proves defective even after the warranty has not expired. When you buy a new car, you expect it to serve you in the best way possible but, when it breaks down during the first week of use, you will definitely get discouraged and angry. You will seek some help from your local repair shop and hope that it was a minor hiccup.
When you have to take it back to the shop several times, you wonder whether you were conned and think of how you can fight for your right. This is where a car lemon law comes in and, if you do not have details of the law in your state, the internet is a good place to start and you will just refer to your location. You will get to learn the vehicles that are covered by the lemon law and also the ones that are not. In many of the car lemon laws, the vehicles that are suspected to be lemons must be taken to the repair shop a few times and this is to determine whether they can be fixed or not. Obviously, lemons cannot be fixed and the next stage is to alert the manufacturing company using laid out procedures depending on your location. Many lemon car owners fill a form that will give notice to the car manufacturer.
The lemon manufacturers are usually reluctant to cooperate but, they are willing to overcome the problem. If they comply to give a refund or replacement, then you will have solved your problem. They are supposed to provide the repair funds all depending on the car lemon law of your state. If the manufacturer does not comply, then you can consider arbitration where a neutral entity usually the attorney general's office is called accordance to the law, to mediate until an amicable solution is found. You can always appeal at each stage until the car lemon law serves you justice. Car lemon law is therefore a very popular name infant, there is an alcoholic mixed drink made by southern comfort and black velvet that is called 'lemon law'.
Some of the most vital things to remember in this law is that you should be conscious of the time frame you have to report your case and it should be before the warranty expires and there are other deadlines that you need to meet within that time frame and you should refer to your state laws. They have served people for many years an they will continue to do so. Many states keep on updating their laws and if need be, you have the power and the voice to request a review of your system and this will be for the betterment of society as a whole.
Peter Gitundu Is A Web Administrator And Has Been Researching And Reporting On Automotive For Years. You Can Post Your Views On this Article On My Blog Here somekeyword Feel Free To Read My Other Articles On Lemon Law Here somekeyword
Saturday, March 31, 2012
A Closer Look At The Ca lemon law
Ca lemon law is geared to helping every new car owner deal with car problems when they arise. The problems are mechanical and sometimes, new cars do not perform as expected and since the buyer has no fault, then they deserve a car that was worth their money. Citizens of California have come to appreciate the law because they are able to get their rights. A lemon is a defective vehicle that is new or leased and it proves not to serve the purpose that it was intended for. If it is unreliable and unsafe even before the warranty has expired then it is definitely a lemon. The first thing you do is to take the lemon to be repaired so as to determine whether the problem is minor or major.
If it proves to be defective, then you can file a California claim form that is valid and it will seek to secure you a refund or a replacement and it can also seek to have all your repair expenses paid. It is very vital to keep all the records of repairs so as to provide evidence if you reach a court of law. The manufacturer is supposed to respond and you would hope that he cooperates but, you can never rely on them to give you a fair chance. You need to be ready to progress to the next step. Many manufacturers however, are very helpful and they will settle at a very fair deal. Under Ca lemon law, a used car will qualify and this is if it was sold with a warranty and if it was for personal or family use.
The manufacturers arbitration process is not necessary and many people usually do not find a solution. But, this is not to say that there is no one who has been helped by the program. The Ca lemon law makes it possible for someone to make a claim after the warranty period has expired and this is if you attempted to repair the lemon within the warranty period. Therefore, Ca lemon law works when there is a warranty so that you may prove everything you say. There are so many resources on the internet and when you do a thorough search, you will come up with conclusive facts about Ca Lemon law.
If you go through the whole legal process to seek compensation, make sure you have a good personal lawyer who can advise you on the best way forward. Some people use the lemon law as a get rich quick scheme when they know full well that they do not have a genuine case. It is therefore vital to understand that the law is just and, such people might lose more than they gain. If you have a genuine case and you do not want to start the process, know that the law is created to protect you and, to give you a voice. If you feel that you need more information on this particular law, you can always see an attorney who will assist you on what steps to take. This law can only work in your favor if you have a genuine lemon.
Peter Gitundu Is A Web Administrator And Has Been Researching And Reporting On Automotive For Years. You Can Post Your Views On this Article On My Blog Here somekeyword Feel Free To Read My Other Articles On Lemon Law Here somekeyword
If it proves to be defective, then you can file a California claim form that is valid and it will seek to secure you a refund or a replacement and it can also seek to have all your repair expenses paid. It is very vital to keep all the records of repairs so as to provide evidence if you reach a court of law. The manufacturer is supposed to respond and you would hope that he cooperates but, you can never rely on them to give you a fair chance. You need to be ready to progress to the next step. Many manufacturers however, are very helpful and they will settle at a very fair deal. Under Ca lemon law, a used car will qualify and this is if it was sold with a warranty and if it was for personal or family use.
The manufacturers arbitration process is not necessary and many people usually do not find a solution. But, this is not to say that there is no one who has been helped by the program. The Ca lemon law makes it possible for someone to make a claim after the warranty period has expired and this is if you attempted to repair the lemon within the warranty period. Therefore, Ca lemon law works when there is a warranty so that you may prove everything you say. There are so many resources on the internet and when you do a thorough search, you will come up with conclusive facts about Ca Lemon law.
If you go through the whole legal process to seek compensation, make sure you have a good personal lawyer who can advise you on the best way forward. Some people use the lemon law as a get rich quick scheme when they know full well that they do not have a genuine case. It is therefore vital to understand that the law is just and, such people might lose more than they gain. If you have a genuine case and you do not want to start the process, know that the law is created to protect you and, to give you a voice. If you feel that you need more information on this particular law, you can always see an attorney who will assist you on what steps to take. This law can only work in your favor if you have a genuine lemon.
Peter Gitundu Is A Web Administrator And Has Been Researching And Reporting On Automotive For Years. You Can Post Your Views On this Article On My Blog Here somekeyword Feel Free To Read My Other Articles On Lemon Law Here somekeyword
Friday, March 30, 2012
What Is True For Florida Lemon Law
Florida's Lemon Law covers new and demonstrator and if they are committed, but they are also covered. There is a list of vehicles that are not covered and include trucks over 10,000 pounds, motor homes, motorcycles and mopeds, vehicles, used vehicles and off-road purchased. If you are not familiar with lemon laws for consumers to buy the defective car in order to protect traders and manufacturers. And Florida, the rules are very active in demanding justice for every human being punished unjustly.
So if you want your car is a lemon for instructions to follow, you will reach your goal. The first is to take the car for the work record of each visit. You will eventually find out whether there is really a lemon, there is no cure. Florida's Lemon Law requires that you time to take the car for at least 3. You should have no time to the next thing you do is to identify the manufacturer of losing registered by registered or express. The next step is to seek a solution by means of arbitration, one of the producers, the two sides come together with a third party as a mediator and bring them by the dispute.
In Florida, these programs are very profitable, and which requires arbitration before the next step. The following program is a situation in Florida Arbitration Arbitration new mandates to solve the problem if the owner of a lemon, to win their case, they will receive a refund or replacement, and other expenses will be served. The consumer is told to choose between a refund or replacement. Florida can not use lemon law used cars, but people with a problem in the same process, without being helped to read the lemon law in Florida.
If you have a lawyer to have more light shed in this advice, you can do this, and the steps in detail how you can be identified. Online you read the law and all aspects of Florida's Lemon Law to understand. You will also learn important information about consumer disputes and many other topics on the lemon law. You can use this information by the Office of the Attorney General of Florida. Florida Lemon Law is a new law for the vehicle mentioned in the article. Things that we do not forget, they must have documents to support your case and understand repair orders, warranties, purchase and other documents. E 'is important to keep the correct order to work more easily. So if you live in Florida, you need not worry because in the case of the lemon, because it is a valid solution for the state of lemon.
So if you want your car is a lemon for instructions to follow, you will reach your goal. The first is to take the car for the work record of each visit. You will eventually find out whether there is really a lemon, there is no cure. Florida's Lemon Law requires that you time to take the car for at least 3. You should have no time to the next thing you do is to identify the manufacturer of losing registered by registered or express. The next step is to seek a solution by means of arbitration, one of the producers, the two sides come together with a third party as a mediator and bring them by the dispute.
In Florida, these programs are very profitable, and which requires arbitration before the next step. The following program is a situation in Florida Arbitration Arbitration new mandates to solve the problem if the owner of a lemon, to win their case, they will receive a refund or replacement, and other expenses will be served. The consumer is told to choose between a refund or replacement. Florida can not use lemon law used cars, but people with a problem in the same process, without being helped to read the lemon law in Florida.
If you have a lawyer to have more light shed in this advice, you can do this, and the steps in detail how you can be identified. Online you read the law and all aspects of Florida's Lemon Law to understand. You will also learn important information about consumer disputes and many other topics on the lemon law. You can use this information by the Office of the Attorney General of Florida. Florida Lemon Law is a new law for the vehicle mentioned in the article. Things that we do not forget, they must have documents to support your case and understand repair orders, warranties, purchase and other documents. E 'is important to keep the correct order to work more easily. So if you live in Florida, you need not worry because in the case of the lemon, because it is a valid solution for the state of lemon.
Volkswagen Diesel Vehicles Are Facing Fuel Pump Recall The
Volkswagen Diesel Vehicles Are Facing Fuel Pump Recall The Second In Ten Days
Volkswagen Auto Group (AG) is currently under investigation by the National Highway Traffic Safety Administration (NHTSA) for a possible problem over a fuel pump issue. If the NHTSA confirms that the fuel pumps are faulty, the German automaker may be recalling several of its popular model vehicles. This investigation is related to 2009 and 2010 Volkswagen Jetta, Golf and Audi A3 models equipped with 2.0L TDI diesel engines.
According to the NHTSA investigation report, the high pressure fuel pump used by the 2.0L TDI if failed causes a loss of fuel and leads to contamination of the fuel system. After receiving five direct complaints and over a hundred complaints from Volkswagen, the NHTSA extended their investigation to an engineering analysis that can warrant a recall of the vehicles under investigation.
According to the NHTSA this investigation was carried out on 97,272 diesel powered Jettas, Golfs and A3s. Volkswagen has worked in close concert with the NHTSA for a successful conclusion over the issue.
This problem has surfaced within ten days of another investigation into an ignition failure and fire in Volkswagen Passat. The National Highway Traffic Safety Administration (NHTSA) has announced an investigation of certain Volkswagen Passat sedans and wagons over ignition failures. These ignition failures have allegedly led to engine fires in extreme cases. The cars that were investigated late in 2010, included VW Beetles, Jettas, Rabbits and Golfs for a fuel leak issue that may have resulted in an engine bay fire.
The NHTSA investigation of the Passat over ignition failure and an initial VW Passat ignition investigation mainly covered the 2002 and 2003 models.
Though the investigation of the Passat was intended for the 2002 and 2003 models, it also extended to Passat sedans and wagons from the years
* 2001 till 2007 in the wake of the complaints that were constantly pouring in:
* The NHTSA has received around 160 complaints of power loss and stalling problems in these VW models
* One of these conditions of power loss and stalling problems had resulted in an accident
* Half of the complaints resulted were due to issues that occurred while traveling at highway speed when the vehicle had a sudden and substantial loss in power
* In the worst case scenario, the vehicle would stall and not start the back up
* The engine bay developed fire concerns from an ignition coil failure
* The NHTSA Office of Defect Investigation has received 35 complaints of problematic ignition coils
* 21 of these 35 complaints were about the coils that routinely failed and they needed replacement, some of them more than once
* The remaining 14 complaints were more grave, with the engine bay fires started due to faulty ignition coils
The NHTSA has extended the investigation into the 2001-2007 models of VW Passat for fire risks and these vehicles could be facing a recall if the NHTSA finds the ignition coils to be at fault.
Even if the fires are not caused by the ignition coils, the fire reported in the engine bay of the 14 vehicles suggests the presence of a more serious safety issue in the engine.
The directives given above are not intended as legal advice. You may pursue your lemon law claim or any other dispute with your automobiles by being in communication with Indiana Lemon Law Attorneys for your FREE initial consultation.
Volkswagen Auto Group (AG) is currently under investigation by the National Highway Traffic Safety Administration (NHTSA) for a possible problem over a fuel pump issue. If the NHTSA confirms that the fuel pumps are faulty, the German automaker may be recalling several of its popular model vehicles. This investigation is related to 2009 and 2010 Volkswagen Jetta, Golf and Audi A3 models equipped with 2.0L TDI diesel engines.
According to the NHTSA investigation report, the high pressure fuel pump used by the 2.0L TDI if failed causes a loss of fuel and leads to contamination of the fuel system. After receiving five direct complaints and over a hundred complaints from Volkswagen, the NHTSA extended their investigation to an engineering analysis that can warrant a recall of the vehicles under investigation.
According to the NHTSA this investigation was carried out on 97,272 diesel powered Jettas, Golfs and A3s. Volkswagen has worked in close concert with the NHTSA for a successful conclusion over the issue.
This problem has surfaced within ten days of another investigation into an ignition failure and fire in Volkswagen Passat. The National Highway Traffic Safety Administration (NHTSA) has announced an investigation of certain Volkswagen Passat sedans and wagons over ignition failures. These ignition failures have allegedly led to engine fires in extreme cases. The cars that were investigated late in 2010, included VW Beetles, Jettas, Rabbits and Golfs for a fuel leak issue that may have resulted in an engine bay fire.
The NHTSA investigation of the Passat over ignition failure and an initial VW Passat ignition investigation mainly covered the 2002 and 2003 models.
Though the investigation of the Passat was intended for the 2002 and 2003 models, it also extended to Passat sedans and wagons from the years
* 2001 till 2007 in the wake of the complaints that were constantly pouring in:
* The NHTSA has received around 160 complaints of power loss and stalling problems in these VW models
* One of these conditions of power loss and stalling problems had resulted in an accident
* Half of the complaints resulted were due to issues that occurred while traveling at highway speed when the vehicle had a sudden and substantial loss in power
* In the worst case scenario, the vehicle would stall and not start the back up
* The engine bay developed fire concerns from an ignition coil failure
* The NHTSA Office of Defect Investigation has received 35 complaints of problematic ignition coils
* 21 of these 35 complaints were about the coils that routinely failed and they needed replacement, some of them more than once
* The remaining 14 complaints were more grave, with the engine bay fires started due to faulty ignition coils
The NHTSA has extended the investigation into the 2001-2007 models of VW Passat for fire risks and these vehicles could be facing a recall if the NHTSA finds the ignition coils to be at fault.
Even if the fires are not caused by the ignition coils, the fire reported in the engine bay of the 14 vehicles suggests the presence of a more serious safety issue in the engine.
The directives given above are not intended as legal advice. You may pursue your lemon law claim or any other dispute with your automobiles by being in communication with Indiana Lemon Law Attorneys for your FREE initial consultation.
Thursday, March 29, 2012
Toyota Lemon Law Litigation
If you are having a problem with your Toyota, it is important to understand your lemon law rights. Do not depend on the dealer to provide you with information about what issues are covered under warranty. The first thing you should do is review your owner's manual, including your warranty details. You can even call Toyota for warranty verification. There will be a phone number in your owner's manual. You also must read your own state's lemon law statues because each state has its own specific guidelines.
When seeking a buyback or compensation, the law mandates that you prove there is a defect. Right now, there is no clear reason why there have been acceleration problems and Toyota has not been declared at fault so the company has yet to acknowledge the vehicles under the lemon law. However, if you have a vehicle with acceleration problems or a serious safety defect, you do not have to continually send it to the mechanic for repair. Each state has a specific number of times a car must have been in for repair before it can be considered a lemon. When dealing with Toyota and your state's lemon law, it is important to maintain thorough documentation about the repair attempts. Every time the vehicle is in for repair, make sure you get written documentation as proof that the vehicle has an ongoing defect.
You should not have to pay for repairs related to Toyota complaints. Toyota must be notified about the problem so they have the opportunity to resolve the problem before you file a legal complaint. Many experts believe that sticking gas pedals on Toyotas are examples that would apply under a state's law.
If you suspect that your Toyota has a defect, and you do nothing, your lemon law statutes may not apply. When it comes to resolving your problem, there are Lemon Law attorneys that have made a career out of challenging automakers selling defective products. Because Toyota is in the process of doing recalls and trying to determine the cause of the problem, many lemon law experts feel it may be too soon to file a lawsuit against the company. Until Toyota has repaired the problem or the cause of the problem has been found, it may be difficult for consumers to actually prove there is a defect. If you are concerned about your Toyota, you can always consult with an experienced lemon law attorney who can advise when, or if you should take legal action.
When seeking a buyback or compensation, the law mandates that you prove there is a defect. Right now, there is no clear reason why there have been acceleration problems and Toyota has not been declared at fault so the company has yet to acknowledge the vehicles under the lemon law. However, if you have a vehicle with acceleration problems or a serious safety defect, you do not have to continually send it to the mechanic for repair. Each state has a specific number of times a car must have been in for repair before it can be considered a lemon. When dealing with Toyota and your state's lemon law, it is important to maintain thorough documentation about the repair attempts. Every time the vehicle is in for repair, make sure you get written documentation as proof that the vehicle has an ongoing defect.
You should not have to pay for repairs related to Toyota complaints. Toyota must be notified about the problem so they have the opportunity to resolve the problem before you file a legal complaint. Many experts believe that sticking gas pedals on Toyotas are examples that would apply under a state's law.
If you suspect that your Toyota has a defect, and you do nothing, your lemon law statutes may not apply. When it comes to resolving your problem, there are Lemon Law attorneys that have made a career out of challenging automakers selling defective products. Because Toyota is in the process of doing recalls and trying to determine the cause of the problem, many lemon law experts feel it may be too soon to file a lawsuit against the company. Until Toyota has repaired the problem or the cause of the problem has been found, it may be difficult for consumers to actually prove there is a defect. If you are concerned about your Toyota, you can always consult with an experienced lemon law attorney who can advise when, or if you should take legal action.
The Lemon Laws Of Automobiles
Generally, there are three pieces of legislation that you are to be acquainted with if you ever have to deal with a lemon car case (God forbid!). They include state lemon laws (sometimes referred to as warranty laws) that show differences as you move from one state to another, the Federal Magnuson-Moss Warranty Act and Uniform Commercial Code (UCC). If your state lemon law does not cover your case, you can safeguard your rights by going to the latter two.
Now let's have a closer look at these laws. A state lemon law is legislation that applies to the vehicles with persistent defect(s) and defines in what cases the manufacturer breached the warranty and what the consumer is entitled to if the warranty is breached. Normally, the customer has the right to claim a refund or a new replacement.
The lemon law is effective only if the vehicle comes with an express written warranty and during the warranty period. In most states it covers new cars that have been purchased to be used for family, personal or household purposes. A car bought for business purposes is not covered by the state lemon law, but can be refunded or replaced under the Magnuson-Moss Act or Uniform Commercial Code (UCC).
Usually, when you are reduced to seeking justice, the action that you have to take depends on the state where you bought or registered your vehicle. In some of them, launching a written complaint is enough, while in others you will have to hire an attorney. Anyway, if your car dealer or manufacturer are unable to satisfy your claim, you first go to the arbitration and, if necessary, to court of law to resolve the dispute. And it is a manufacturer, not a car dealer, that you take to court.
The Magnuson-Moss Act is a federal lemon law. It is a forebear of all state laws and serves as recourse, when state laws don't help. Its mission is to protect the buyer from manufacturer's breaching warranty. If your attorney chooses to sue under the Magnuson-Moss Act, the manufacturer is to recover your attorney's fees (if you win the case). It refers to the vehicles and other personal property priced $25 and higher purchased "for purposes other than resale". The law was enforced in 1975 and covers the products that were acquired after July 4 that year.
The Magnuson-Moss Act deals with both "full" and "limited" warranties. The case can be taken to court with a valid cause of action even after the warranty has expired as long as the defect appeared in the vehicle during the period of warranty.
And last but not least is Uniform Commercial Code (UCC). This law grants the customer the right to claim a refund or a new vehicle replacement, if the defect(s) present in the car have proved to continue after several attempts ("a reasonable amount of attempts") have been made to repair the inoperable part. The threshold of proof is defined by a particular state law.
When and if you decide to take action against lemon makers, you can study the laws and do it yourself, but it can be wise to hire an attorney, who can do it quicker and more efficient with his fees recovered by the manufacturer.
Now let's have a closer look at these laws. A state lemon law is legislation that applies to the vehicles with persistent defect(s) and defines in what cases the manufacturer breached the warranty and what the consumer is entitled to if the warranty is breached. Normally, the customer has the right to claim a refund or a new replacement.
The lemon law is effective only if the vehicle comes with an express written warranty and during the warranty period. In most states it covers new cars that have been purchased to be used for family, personal or household purposes. A car bought for business purposes is not covered by the state lemon law, but can be refunded or replaced under the Magnuson-Moss Act or Uniform Commercial Code (UCC).
Usually, when you are reduced to seeking justice, the action that you have to take depends on the state where you bought or registered your vehicle. In some of them, launching a written complaint is enough, while in others you will have to hire an attorney. Anyway, if your car dealer or manufacturer are unable to satisfy your claim, you first go to the arbitration and, if necessary, to court of law to resolve the dispute. And it is a manufacturer, not a car dealer, that you take to court.
The Magnuson-Moss Act is a federal lemon law. It is a forebear of all state laws and serves as recourse, when state laws don't help. Its mission is to protect the buyer from manufacturer's breaching warranty. If your attorney chooses to sue under the Magnuson-Moss Act, the manufacturer is to recover your attorney's fees (if you win the case). It refers to the vehicles and other personal property priced $25 and higher purchased "for purposes other than resale". The law was enforced in 1975 and covers the products that were acquired after July 4 that year.
The Magnuson-Moss Act deals with both "full" and "limited" warranties. The case can be taken to court with a valid cause of action even after the warranty has expired as long as the defect appeared in the vehicle during the period of warranty.
And last but not least is Uniform Commercial Code (UCC). This law grants the customer the right to claim a refund or a new vehicle replacement, if the defect(s) present in the car have proved to continue after several attempts ("a reasonable amount of attempts") have been made to repair the inoperable part. The threshold of proof is defined by a particular state law.
When and if you decide to take action against lemon makers, you can study the laws and do it yourself, but it can be wise to hire an attorney, who can do it quicker and more efficient with his fees recovered by the manufacturer.
The Indiana Lemon Law Disclosure On File For Replaced
The Indiana Lemon Law Disclosure On File For Replaced Or Repurchased Vehicles
Indiana Lemon Law, also known as the Motor Vehicle Protection Act provides protection to resident consumers with vehicles that do not meet certain standards or have nonconformities.
According to the Indiana Lemon Law a vehicle is considered to be a Lemon if the nonconformities:
* Substantially impair the use, market value, or safety of the vehicle
* Render the motor vehicle defective and breaches manufacturers warranty
Vehicles covered by the Indiana Lemon Law
The Indiana Lemon Law protects
* A car bought or leased for personal use in Indiana
* Light truck bought in Indiana
Your car is an Indiana Lemon car if it
* Is not 18 months old yet and has travelled fewer than 18,000 miles
* Was subjected to at least four repair attempts for the same nonconformity by the authorized dealer and the problem is not remedied
* The car is out of service for a cumulative of 30 business days due to repairs
Steps you should take to get Indiana Lemon Law protection
* Report the problem within 18 months of purchase or before 18,000 miles, whichever comes first
* Save copies of every repair order when the dealership repairs or examines your car
Sale of Indiana Lemon Buyback and Title Branding
If the manufacturer has replaced your lemon car with a new one or had bought it back through a refund, the manufacturer is required to obtain a new title for it before the vehicle is resold as it is an Indiana Lemon Law buyback. The Indiana Lemon Law buyback should have a brand or stamp as The Manufacturers Buyback-Disclosure On File. This stamp or brand should remain on the vehicles title for the rest of the servicing years of the vehicle.
When a dealer sells a vehicle that had previously been repurchased or replaced under the Indiana Lemon Law, the purchase should be accompanied by:
* A written notice that the vehicle was repurchased or replaced under the Indiana Lemon Law
* A 12-month or 12,000 mile manufacturers warranty
Indiana Lemon Law, also known as the Motor Vehicle Protection Act provides protection to resident consumers with vehicles that do not meet certain standards or have nonconformities.
According to the Indiana Lemon Law a vehicle is considered to be a Lemon if the nonconformities:
* Substantially impair the use, market value, or safety of the vehicle
* Render the motor vehicle defective and breaches manufacturers warranty
Vehicles covered by the Indiana Lemon Law
The Indiana Lemon Law protects
* A car bought or leased for personal use in Indiana
* Light truck bought in Indiana
Your car is an Indiana Lemon car if it
* Is not 18 months old yet and has travelled fewer than 18,000 miles
* Was subjected to at least four repair attempts for the same nonconformity by the authorized dealer and the problem is not remedied
* The car is out of service for a cumulative of 30 business days due to repairs
Steps you should take to get Indiana Lemon Law protection
* Report the problem within 18 months of purchase or before 18,000 miles, whichever comes first
* Save copies of every repair order when the dealership repairs or examines your car
Sale of Indiana Lemon Buyback and Title Branding
If the manufacturer has replaced your lemon car with a new one or had bought it back through a refund, the manufacturer is required to obtain a new title for it before the vehicle is resold as it is an Indiana Lemon Law buyback. The Indiana Lemon Law buyback should have a brand or stamp as The Manufacturers Buyback-Disclosure On File. This stamp or brand should remain on the vehicles title for the rest of the servicing years of the vehicle.
When a dealer sells a vehicle that had previously been repurchased or replaced under the Indiana Lemon Law, the purchase should be accompanied by:
* A written notice that the vehicle was repurchased or replaced under the Indiana Lemon Law
* A 12-month or 12,000 mile manufacturers warranty
Wednesday, March 28, 2012
Returning A Used Car After The Purchase - Texas Lemon
Returning A Used Car After The Purchase - Texas Lemon Law
Under the Texas lemon law and federal lemon law, there is a "3-day cooling off period" that applies to certain contracts. This also prevents the abuse of the "3-day cooling off period" rule based on the whims of the used car buyer.
In the State of Texas, you can return a car within a time period of 72 hours also termed the "3-day cooling off period" rule. This is based on the problems in the vehicle. Texas lemon law prohibits sales of vehicles that do not meet the standards of inspection set by the state.
Texas lemon law allows relief by the 3-day cooling off period rule in certain contracts as the following:
The 3-day cooling off period applies to contracts signed in the customer's home
The 3-day cooling off period does NOT apply if the contract was signed at a company's place of business
The 3-day cooling off period applies to contracts signed for consumer goods worth $25 or more
The 3-day cooling off period applies to contracts signed if the cancellation period is stated in the contract
To cancel a contract under the 3-day cooling off period, mail a written notice of cancellation by midnight of the third business day after the sale
The written notice does not have to be received by the seller within three business days, but must be postmarked within that time
The 3-day cooling off period rule does not apply if a customer chooses to call or fax the seller to notify him of the cancellation
The phone call or fax does not cancel the contract under the 3-day cooling off period rule
The 3-day cooling off period rule applies only if a written notice is sent
The customer does not have to give the company a reason for the cancellation
The seller must refund any deposit or down payment within the time stated by law
The Texas Attorney General's office and the Federal Trade Commission cannot provide individual legal advice, but can only offer consumer publications with tips on contracts.
Under the Texas lemon law and federal lemon law, there is a "3-day cooling off period" that applies to certain contracts. This also prevents the abuse of the "3-day cooling off period" rule based on the whims of the used car buyer.
In the State of Texas, you can return a car within a time period of 72 hours also termed the "3-day cooling off period" rule. This is based on the problems in the vehicle. Texas lemon law prohibits sales of vehicles that do not meet the standards of inspection set by the state.
Texas lemon law allows relief by the 3-day cooling off period rule in certain contracts as the following:
The 3-day cooling off period applies to contracts signed in the customer's home
The 3-day cooling off period does NOT apply if the contract was signed at a company's place of business
The 3-day cooling off period applies to contracts signed for consumer goods worth $25 or more
The 3-day cooling off period applies to contracts signed if the cancellation period is stated in the contract
To cancel a contract under the 3-day cooling off period, mail a written notice of cancellation by midnight of the third business day after the sale
The written notice does not have to be received by the seller within three business days, but must be postmarked within that time
The 3-day cooling off period rule does not apply if a customer chooses to call or fax the seller to notify him of the cancellation
The phone call or fax does not cancel the contract under the 3-day cooling off period rule
The 3-day cooling off period rule applies only if a written notice is sent
The customer does not have to give the company a reason for the cancellation
The seller must refund any deposit or down payment within the time stated by law
The Texas Attorney General's office and the Federal Trade Commission cannot provide individual legal advice, but can only offer consumer publications with tips on contracts.
Million Toyota Corolla And Matrix Compact Cars And General Motors
Million Toyota Corolla And Matrix Compact Cars And General Motors 200,000 Pontiac Vibes Are Being Recalled For Stalling
Toyota Motor (TM) has taken a voluntary step recalling about 1.13 million Corolla and Matrix compact cars. This recall is to fix a faulty engine control module in Corolla and Matrix compact cars that can create problems such as stalling while driving.
In North America the recall involves 2005-08 model year Corolla and Matrix compact cars. These 2005-08 model year Corolla and Matrix compact cars are equipped with 1ZZ-FE engines and two-wheel drive. No other Toyota or Lexus brand vehicles are involved in the recall.
The stalling problem in these 2005-08 model year Corolla and Matrix compact cars is believed to have been caused by cracks that can develop at certain solder points or on the electronic component. These solder points and electronic components are used to protect circuits from excessive voltage on circuit board of the module.
* When these points develop cracks
* The vehicles check engine may illuminate
* Harsh shifting could result
* The engine may not start
The engine of a 2005-08 model year Corolla and Matrix compact car could stop while the vehicle is in motion.
There have been three alleged accidents one of which is a minor injury due to this condition. In response to complaints by consumers, federal officials stepped up their investigation into 2005, 2006 and 2007 model year Corolla and Matrix cars. According to the National Highway Traffic Safety Administration the investigation into 2005, 2006 and 2007 model year Corolla and Matrix cars began on the 18th of August.
General Motors is also recalling more than 200,000 Pontiac Vibes for the same problem, separately. The Vibe, like the Matrix was built under a joint venture between Toyota and GM at the same factory in Fremont, California.
Toyota and GM will begin notifying consumers of affected vehicles by mid-September. They will be instructed to take their cars to a dealer to have the module replaced at no charge. The Pontiac brand has been phased out but the Pontiac Vibe owners can take their cars to other GM dealerships for service.
The recall of 1.13 million Corolla and Matrix compact cars is the latest in a series of recalls by Toyota, the worlds largest automaker this year. Since January, Toyota has recalled about 10 million cars worldwide. This was to fix problems related to unintended acceleration, erratic brakes, defective software and other issues.
This information is not intended as legal advice. Please direct your specific questions to K&M attorneys and know more about your lemon law rights. If you want to pursue your lemon law claim, call 1-800 US LEMON (800-875-3666) toll free, to reach Krohn & Moss for your FREE initial consultation. Or submit your information online for your free case evaluation.
Toyota Motor (TM) has taken a voluntary step recalling about 1.13 million Corolla and Matrix compact cars. This recall is to fix a faulty engine control module in Corolla and Matrix compact cars that can create problems such as stalling while driving.
In North America the recall involves 2005-08 model year Corolla and Matrix compact cars. These 2005-08 model year Corolla and Matrix compact cars are equipped with 1ZZ-FE engines and two-wheel drive. No other Toyota or Lexus brand vehicles are involved in the recall.
The stalling problem in these 2005-08 model year Corolla and Matrix compact cars is believed to have been caused by cracks that can develop at certain solder points or on the electronic component. These solder points and electronic components are used to protect circuits from excessive voltage on circuit board of the module.
* When these points develop cracks
* The vehicles check engine may illuminate
* Harsh shifting could result
* The engine may not start
The engine of a 2005-08 model year Corolla and Matrix compact car could stop while the vehicle is in motion.
There have been three alleged accidents one of which is a minor injury due to this condition. In response to complaints by consumers, federal officials stepped up their investigation into 2005, 2006 and 2007 model year Corolla and Matrix cars. According to the National Highway Traffic Safety Administration the investigation into 2005, 2006 and 2007 model year Corolla and Matrix cars began on the 18th of August.
General Motors is also recalling more than 200,000 Pontiac Vibes for the same problem, separately. The Vibe, like the Matrix was built under a joint venture between Toyota and GM at the same factory in Fremont, California.
Toyota and GM will begin notifying consumers of affected vehicles by mid-September. They will be instructed to take their cars to a dealer to have the module replaced at no charge. The Pontiac brand has been phased out but the Pontiac Vibe owners can take their cars to other GM dealerships for service.
The recall of 1.13 million Corolla and Matrix compact cars is the latest in a series of recalls by Toyota, the worlds largest automaker this year. Since January, Toyota has recalled about 10 million cars worldwide. This was to fix problems related to unintended acceleration, erratic brakes, defective software and other issues.
This information is not intended as legal advice. Please direct your specific questions to K&M attorneys and know more about your lemon law rights. If you want to pursue your lemon law claim, call 1-800 US LEMON (800-875-3666) toll free, to reach Krohn & Moss for your FREE initial consultation. Or submit your information online for your free case evaluation.
Tuesday, March 27, 2012
Lemon Law Beware The Secret Warranty
The 2009 Car Complaint Index has just been published, showing the ranking, by vehicle, of cars receiving the highest ratio of complaints to sales. Complaints are fielded by the National Highway Traffic Safety Administration (NHTSA), results are published yearly and this year shows the Land Rover LR2, the Mitsubishi Lancer, the Pontiac Solstice, the Dodge Avenger and Subaru Impreza to be the top offenders.
Attention is sharply paid to vehicles with high complaint ratios for good reason: the percentage of defective vehicles, or lemons, is astoundingly high, especially from the U.S. Big Three automakers. To add insult to injury, when a defect is found in a vehicle, a manufacturer will do as much as possible to cover it up so that they are not plagued with demands for refunds or replacements.
There is, in fact, something called a secret warranty that can act as a deflection to consumers with valid lemon law complaints. A secret warranty is a strategy that manufacturers use to avoid a recall, explained California lemon law attorney Norman Taylor. Under a secret warranty, manufacturers will pay for repair of a particular defect in a particular kind of vehicle, even after the warranty has expired. They call them warranty adjustment policies or goodwill gestures. And even these have to be pried from the manufacturers by loudly complaining consumersonly the squeaky wheel actually gets the grease.
Taylor has witnessed such practice many times over the years. He has been a lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 6,000 cases for consumers with a 98 percent success rate. He is one of the leading lemon law attorneys in southern California.
It comes as no surprise that manufacturers will resort to such tactics to avoid a recall. If the NHTSA discovers safety-related defects and orders a recall, the manufacturer must arrange to repair the defect at no charge or, if the manufacturer chooses, can replace or repurchase the vehicle or defective component. The manufacturer must also file a public report with detailed information on the recall, must notify all owners of affected vehicles, and take numerous other costly steps to right the wrong.
Because manufacturers can and do take every measure to avoid replacement or refund of defective vehicles, it behooves any consumer who believes he or she may have purchased a lemon to contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor & Associates, the goal is to provide clients with the highest quality of legal representation if theyre one of the unfortunate residents of California whove had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. They represent consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
Attention is sharply paid to vehicles with high complaint ratios for good reason: the percentage of defective vehicles, or lemons, is astoundingly high, especially from the U.S. Big Three automakers. To add insult to injury, when a defect is found in a vehicle, a manufacturer will do as much as possible to cover it up so that they are not plagued with demands for refunds or replacements.
There is, in fact, something called a secret warranty that can act as a deflection to consumers with valid lemon law complaints. A secret warranty is a strategy that manufacturers use to avoid a recall, explained California lemon law attorney Norman Taylor. Under a secret warranty, manufacturers will pay for repair of a particular defect in a particular kind of vehicle, even after the warranty has expired. They call them warranty adjustment policies or goodwill gestures. And even these have to be pried from the manufacturers by loudly complaining consumersonly the squeaky wheel actually gets the grease.
Taylor has witnessed such practice many times over the years. He has been a lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 6,000 cases for consumers with a 98 percent success rate. He is one of the leading lemon law attorneys in southern California.
It comes as no surprise that manufacturers will resort to such tactics to avoid a recall. If the NHTSA discovers safety-related defects and orders a recall, the manufacturer must arrange to repair the defect at no charge or, if the manufacturer chooses, can replace or repurchase the vehicle or defective component. The manufacturer must also file a public report with detailed information on the recall, must notify all owners of affected vehicles, and take numerous other costly steps to right the wrong.
Because manufacturers can and do take every measure to avoid replacement or refund of defective vehicles, it behooves any consumer who believes he or she may have purchased a lemon to contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor & Associates, the goal is to provide clients with the highest quality of legal representation if theyre one of the unfortunate residents of California whove had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. They represent consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
Lemon Law And Manufacturer Defenses
The Attorney Generals Office of the State of New York is currently engaging in a statewide campaign to educate seniors on consumer fraud issues. Called, The Smart Seniors Program, the presentations are being given by Kristin-Liliana Manzur, lemon law coordinator and consumer frauds compliance officer from the Attorney Generals office. The program is designed to warn seniors of potential rip-offs.
Such programs would not be needed if it were not for the fact that, in the instance of vehicle purchases, for example, dealers and manufacturers would just play straight when they sold a consumer a lemon. Instead, however, there is a multitude of defenses used by vehicle manufacturers when a lemon law claim is presented.
Unfortunately, you will find that a manufacturers first line of defense is often either denial or outright falsehood, explained Norman Taylor, leading California lemon law attorney. Service writers will claim you said things that you never said, or may claim that you never said things that you know you did say. They will say they told you things that you know you never heard.
Taylor knows these defenses well. He has been a lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
The answer to these defenses is the paper trail. Our world thrives on records and documents, and whenever a dispute arises, the person who has the best paper trail stands the best chance of winning.
When your vehicle is repaired, never leave without your copy of the repair order, Taylor continued. Read it! If there is something that you do not understand, ask about it. If something is missing, point it out to the service writer. Most important of all, if anything on the repair order is even slightly inaccurate in any way, do not sign it. If you sign something without reading it, it will be presumed accurate, and you may lose the paper chase.
As an example of something to make sure it is on a repair order, if you went along on a test drive to demonstrate an abnormal front-end vibration, and the technician said, Yeah, I can feel that, thats not right, make sure the repair order reflects that the technician verified your complaint.
Because of the many manufacturer defensesand many other reasonsif you think you may be driving a lemon, it is best contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor and Associates, the goal is to provide clients with the highest quality of legal representation if theyre one of the unfortunate residents of California whove had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. They represent consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
Such programs would not be needed if it were not for the fact that, in the instance of vehicle purchases, for example, dealers and manufacturers would just play straight when they sold a consumer a lemon. Instead, however, there is a multitude of defenses used by vehicle manufacturers when a lemon law claim is presented.
Unfortunately, you will find that a manufacturers first line of defense is often either denial or outright falsehood, explained Norman Taylor, leading California lemon law attorney. Service writers will claim you said things that you never said, or may claim that you never said things that you know you did say. They will say they told you things that you know you never heard.
Taylor knows these defenses well. He has been a lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
The answer to these defenses is the paper trail. Our world thrives on records and documents, and whenever a dispute arises, the person who has the best paper trail stands the best chance of winning.
When your vehicle is repaired, never leave without your copy of the repair order, Taylor continued. Read it! If there is something that you do not understand, ask about it. If something is missing, point it out to the service writer. Most important of all, if anything on the repair order is even slightly inaccurate in any way, do not sign it. If you sign something without reading it, it will be presumed accurate, and you may lose the paper chase.
As an example of something to make sure it is on a repair order, if you went along on a test drive to demonstrate an abnormal front-end vibration, and the technician said, Yeah, I can feel that, thats not right, make sure the repair order reflects that the technician verified your complaint.
Because of the many manufacturer defensesand many other reasonsif you think you may be driving a lemon, it is best contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor and Associates, the goal is to provide clients with the highest quality of legal representation if theyre one of the unfortunate residents of California whove had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. They represent consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
Monday, March 26, 2012
Indiana Lemon Law For Used Cars And Other Indiana Laws
Indiana Lemon Law For Used Cars And Other Indiana Laws That Cover Used Cars
Indiana lemon law does apply to Indiana used cars, provided the problem was reported to the manufacturer or its authorized dealer within the first 18 months or 18,000 miles from the vehicles original in-service date/mileage.
Lemon Laws in Indiana: If the car you purchased is a recent model and meets the above mileage and time requirements of Lemon Law, Indiana will allow you to pursue a repurchase or replacement vehicle.
There are also many other laws that can help you obtain monetary damages if you have landed an Indiana lemon used car.
* The Federal Trade Commissions (FTC) Used Car Rule: The FTCs Used Car Rule requires dealers to provide Indiana used car consumers with a Buyers Guide indicating what warranties are being provided with the vehicle, if any, and other types of information. The Buyers Guide is part of your sales contract and overrides any conflicting provisions in the contract. If the dealer fails to do so you may have the basis for a legal action
* The Indiana Deceptive Consumer Sales Act: In the event the dealer has made any verbal promises and avoided disclosing issues that were already present in the used car he sold you, you may have a cause of action. These laws can often be used even if the used car is sold AS IS, if the dealer is guilty of a verbal deception or a failure to disclose information about the vehicle
* The Uniform Commercial Code: When a dealer disclaims a warrant of merchantability, he can be challenged through the Uniform Commercial Code (UCC). The UCC can also be used to cancel the sale of a used car
* The Truth in Lending Act and the Federal Odometer Act: They may also help you get protection from the Indiana lemon used car
* The federal Magnuson-Moss Warranty Act: if the Indiana used car purchase comes with written or implied warranties, or service contract (see below) the federal Act may be used when the vehicle suffers from excessive breakdowns
* Implied Warranty of Merchantability: A warrant of merchantability is an implied warranty and implies that a vehicle will function as expected but may not cover every component of a vehicle
* Express Warranties: Express warranties are those that are stated besides the verbal representations and advertisements made by a salesperson at the dealership
* The federal Truth in Mileage Act (TIMA): TIMA helps combat odometer fraud on used cars and will do so if your vehicle was sold with a false odometer statement
When does your used car qualify for cash or other lemon law benefits
The following warranties if breached are covered under special federal lemon laws:
* Any warranty left from the manufacturer when you purchased the Indiana lemon used car
* Your vehicle was Certified by the manufacturer and comes with a short Manufacturers Warranty
* An Extended Warranty backed by the manufacturer
If your Indiana lemon used car does not have any type of manufacturers warranty you may still be protected and compensated for violations of consumer protection laws.
Keep an eye open for issues in your Indiana used car as the following:
* Laundered Lemon
* Odometer fraud
* History of stolen, stripped and rebuilt
* Salvaged from accident, flood or fire
Even if you had bought a car in AS IS condition knowingly, it does not void your rights under applicable laws.
Indiana lemon law does apply to Indiana used cars, provided the problem was reported to the manufacturer or its authorized dealer within the first 18 months or 18,000 miles from the vehicles original in-service date/mileage.
Lemon Laws in Indiana: If the car you purchased is a recent model and meets the above mileage and time requirements of Lemon Law, Indiana will allow you to pursue a repurchase or replacement vehicle.
There are also many other laws that can help you obtain monetary damages if you have landed an Indiana lemon used car.
* The Federal Trade Commissions (FTC) Used Car Rule: The FTCs Used Car Rule requires dealers to provide Indiana used car consumers with a Buyers Guide indicating what warranties are being provided with the vehicle, if any, and other types of information. The Buyers Guide is part of your sales contract and overrides any conflicting provisions in the contract. If the dealer fails to do so you may have the basis for a legal action
* The Indiana Deceptive Consumer Sales Act: In the event the dealer has made any verbal promises and avoided disclosing issues that were already present in the used car he sold you, you may have a cause of action. These laws can often be used even if the used car is sold AS IS, if the dealer is guilty of a verbal deception or a failure to disclose information about the vehicle
* The Uniform Commercial Code: When a dealer disclaims a warrant of merchantability, he can be challenged through the Uniform Commercial Code (UCC). The UCC can also be used to cancel the sale of a used car
* The Truth in Lending Act and the Federal Odometer Act: They may also help you get protection from the Indiana lemon used car
* The federal Magnuson-Moss Warranty Act: if the Indiana used car purchase comes with written or implied warranties, or service contract (see below) the federal Act may be used when the vehicle suffers from excessive breakdowns
* Implied Warranty of Merchantability: A warrant of merchantability is an implied warranty and implies that a vehicle will function as expected but may not cover every component of a vehicle
* Express Warranties: Express warranties are those that are stated besides the verbal representations and advertisements made by a salesperson at the dealership
* The federal Truth in Mileage Act (TIMA): TIMA helps combat odometer fraud on used cars and will do so if your vehicle was sold with a false odometer statement
When does your used car qualify for cash or other lemon law benefits
The following warranties if breached are covered under special federal lemon laws:
* Any warranty left from the manufacturer when you purchased the Indiana lemon used car
* Your vehicle was Certified by the manufacturer and comes with a short Manufacturers Warranty
* An Extended Warranty backed by the manufacturer
If your Indiana lemon used car does not have any type of manufacturers warranty you may still be protected and compensated for violations of consumer protection laws.
Keep an eye open for issues in your Indiana used car as the following:
* Laundered Lemon
* Odometer fraud
* History of stolen, stripped and rebuilt
* Salvaged from accident, flood or fire
Even if you had bought a car in AS IS condition knowingly, it does not void your rights under applicable laws.
How To Utilize The Lemon Law
If you find yourself with a lemon of a vehilce, here are some tips to help you utilize the lemon law.
Remember that if you're stuck with a lemon, your complaint is with the manufacturer. Although your instinct may be to blame the car dealer, the dealer is just the middleman for the defective product.
1. Document your repairs and be accurate with each problem. Obtain copies of all warranty repair orders from the dealer and keep notes of your reported problems. Also, keep notes of all conversations you have with service people, including the date, time and participants in these conversations.
2. Contact your state attorney general's office or conduct other research to determine the provisions of your state's lemon law. There are variations in each state's laws.
3. Determine whether your previous efforts to repair the problem satisfy the requirements of your state's lemon law. Most state laws allow the manu-facturer three or four chances to repair the defect or defects.
4. Write to the manufacturer if problems persist. Explain how burdensome it is to continually repair the car, and how your trust in the product's reliability has been shattered. Ask for reimbursement of your related expenses (such as a rental car, if it was needed), or other compensation for your troubled experience. Your particular state's lemon law will prescribe methods for doing so.
5. State in your letter that you wish to exercise your right to a refund or replacement of the vehicle, if you would rather not keep the lemon. Specify which option you desire.
6. Consider hiring an attorney if the manufacturer is unresponsive. Find an attorney who specializes in lemon-law cases. Remember, though, that only some state lemon laws allow a consumer to recover attorneys' fees when suing a manufacturer.
Tips: Your best defense against an uncooperative manufacturer is a thorough, specific and accurate service-record paper trail. This shows that you made the correct number of attempts to have the problems fixed, whether the defect was the same each time, or several different ones.
Remember that if you're stuck with a lemon, your complaint is with the manufacturer. Although your instinct may be to blame the car dealer, the dealer is just the middleman for the defective product.
1. Document your repairs and be accurate with each problem. Obtain copies of all warranty repair orders from the dealer and keep notes of your reported problems. Also, keep notes of all conversations you have with service people, including the date, time and participants in these conversations.
2. Contact your state attorney general's office or conduct other research to determine the provisions of your state's lemon law. There are variations in each state's laws.
3. Determine whether your previous efforts to repair the problem satisfy the requirements of your state's lemon law. Most state laws allow the manu-facturer three or four chances to repair the defect or defects.
4. Write to the manufacturer if problems persist. Explain how burdensome it is to continually repair the car, and how your trust in the product's reliability has been shattered. Ask for reimbursement of your related expenses (such as a rental car, if it was needed), or other compensation for your troubled experience. Your particular state's lemon law will prescribe methods for doing so.
5. State in your letter that you wish to exercise your right to a refund or replacement of the vehicle, if you would rather not keep the lemon. Specify which option you desire.
6. Consider hiring an attorney if the manufacturer is unresponsive. Find an attorney who specializes in lemon-law cases. Remember, though, that only some state lemon laws allow a consumer to recover attorneys' fees when suing a manufacturer.
Tips: Your best defense against an uncooperative manufacturer is a thorough, specific and accurate service-record paper trail. This shows that you made the correct number of attempts to have the problems fixed, whether the defect was the same each time, or several different ones.
Honda Recalls 2009-2010 700,000 Vehicles Globally Over Engine Mount Issue
Honda Recalls 2009-2010 700,000 Vehicles Globally Over Engine Mount Issue
As announced on last Thursday, Honda is going to recall nearly 700,000 vehicles globally. According to Honda, a defective spring part found in its Freed compact minivan, Fit compact car and City sedan could deteriorate in long run and cause disturbing noises in the engine. In the worst scenario this condition can lead to stalling.
Two months ago in December, the giant car maker Honda recalled around 1.35 million Fit cars, including 621,000 overseas, to repair a headlight defect. Now it is again in news for another recall. On Thursday, Honda announced that it is recalling nearly 700,000 vehicles worldwide due to a defective part that could stall the engine. In certain models these defective parts could hamper restarting the engine.
According to a Honda spokeswoman, the firm was recalling:
* Around 97,000 vehicles in the United States.
* 693,497 vehicles globally.
* Freed and Fit models in Japan which include 170,000 in numbers.
* Over 220,000 units in Asia, mainly the Southeast Asian ASEAN area.
* About 156,000 in China.
There have been 72 complaints in Japan over the issue, according to their transport ministry. However, there have been no accidents so far reported as result from this defect.
Since February 2010, Honda has recalled more than four million vehicles:
Honda has recalled more than four million vehicles since February 2010, over a range of issues.
Honda is recalling more than 97,000 of their Fit models from 2009-2010 because of a problem with the lost motion springs. The company says the lost motion spring can bend or break over time, causing abnormal noises in the engine. Sooner or later there is a possibility that the engine would stall or get damaged.
According to Honda , owners of the affected cars will begin receiving notifications from the auto maker in early March. Honda will advise the owners to take their cars to local authorized dealers as soon as they receive the recall notification.
Honda cars in Singapore:
According to the official distributor of Honda cars in Singapore the Kah Motor, around 1,900 vehicles it sold are affected by the global recall announced last Thursday.
* This figure does not include vehicles sold by parallel importers.
* The three models affected are Jazz, City and Freed from 2009-2010 model years.
According to the Kah Motor, it would start notifying the owners of the cars affected, once the replacements parts arrive. The Kah Motor has also added that the replacement of the affected parts can be accomplished within three hours.
As announced on last Thursday, Honda is going to recall nearly 700,000 vehicles globally. According to Honda, a defective spring part found in its Freed compact minivan, Fit compact car and City sedan could deteriorate in long run and cause disturbing noises in the engine. In the worst scenario this condition can lead to stalling.
Two months ago in December, the giant car maker Honda recalled around 1.35 million Fit cars, including 621,000 overseas, to repair a headlight defect. Now it is again in news for another recall. On Thursday, Honda announced that it is recalling nearly 700,000 vehicles worldwide due to a defective part that could stall the engine. In certain models these defective parts could hamper restarting the engine.
According to a Honda spokeswoman, the firm was recalling:
* Around 97,000 vehicles in the United States.
* 693,497 vehicles globally.
* Freed and Fit models in Japan which include 170,000 in numbers.
* Over 220,000 units in Asia, mainly the Southeast Asian ASEAN area.
* About 156,000 in China.
There have been 72 complaints in Japan over the issue, according to their transport ministry. However, there have been no accidents so far reported as result from this defect.
Since February 2010, Honda has recalled more than four million vehicles:
Honda has recalled more than four million vehicles since February 2010, over a range of issues.
Honda is recalling more than 97,000 of their Fit models from 2009-2010 because of a problem with the lost motion springs. The company says the lost motion spring can bend or break over time, causing abnormal noises in the engine. Sooner or later there is a possibility that the engine would stall or get damaged.
According to Honda , owners of the affected cars will begin receiving notifications from the auto maker in early March. Honda will advise the owners to take their cars to local authorized dealers as soon as they receive the recall notification.
Honda cars in Singapore:
According to the official distributor of Honda cars in Singapore the Kah Motor, around 1,900 vehicles it sold are affected by the global recall announced last Thursday.
* This figure does not include vehicles sold by parallel importers.
* The three models affected are Jazz, City and Freed from 2009-2010 model years.
According to the Kah Motor, it would start notifying the owners of the cars affected, once the replacements parts arrive. The Kah Motor has also added that the replacement of the affected parts can be accomplished within three hours.
Sunday, March 25, 2012
Gm Sued Under Lemon Law
While Toyota is definitely taking the brunt of recalls lately, other vehicle manufacturers have troubles of their own: GM is currently being sued over a 2009 Chevrolet. The owner of the Chevrolet claims he experienced repeated problems that caused him to fear for his safety.
This is not the first time GM has been sued for safety issues - in 2009 a wrongful death suit was filed against them for defective seat belts. 2009 also saw a recall of almost 1.5 million mid- and full-size Buick, Chevrolet, Oldsmobile and Pontiac vehicles because of an engine oil leak problem that could pose a fire risk.
This kind of defect in a vehicle is precisely what the lemon law is about. It protects consumers from the harm or loss caused by purchasing a defective vehicle. Who has what rights and what duties in lemon law matters? It seems clear. The consumer has the duty to present the vehicle to the manufacturer or its representative, the dealership, in order that they are able to diagnose the defect and repair it. Along with the duty, the consumer has a right to expect the dealership to repair the vehicle honestly and expeditiously.
What are the rights of the manufacturer? Simply put, they have the right to expect that the consumer will present their defective vehicle at an authorized dealer for repair in a timely manner, and that the consumer properly maintain the vehicle. The manufacturer should have no other expectation. They should not expect a consumer to perfectly describe the defect they are experiencing or any other limiting requirement.
Of the thousands of lemon law clients we have spoken with, it is extremely rare that a manufacturer makes a legitimate offer to buy back or replace a defective vehicle. In each of these cases no hint of awareness of their affirmative duty was present.
Not all manufacturers or dealerships are the same. Some, certainly not enough, really do have the consumer's best interests at heart.
If however you find yourself with a defective vehicle and a manufacturer who is not ready to step up and replace or refund as they should, find yourself an experienced lemon law attorney. Do your homework. Look at their record. See what others who have used their services have to say.
Be certain they offer you a free case evaluation without delay. Never be afraid to ask hard questions. It's important and it can determine the outcome of your lemon law case.
About Norman Taylor & Associates
Norman Taylor & Associates has been assisting consumers since 1987. Our goal is to provide individuals who have the misfortune of purchasing a defective vehicle or goods, and who have recourse under the Lemon Law, with the highest quality legal representation. With a twenty-three year history of successful cases, Norman Taylor & Associates has established its reputation as a firm of consumer advocates that gets the job done. We represent California residents of Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties.
This is not the first time GM has been sued for safety issues - in 2009 a wrongful death suit was filed against them for defective seat belts. 2009 also saw a recall of almost 1.5 million mid- and full-size Buick, Chevrolet, Oldsmobile and Pontiac vehicles because of an engine oil leak problem that could pose a fire risk.
This kind of defect in a vehicle is precisely what the lemon law is about. It protects consumers from the harm or loss caused by purchasing a defective vehicle. Who has what rights and what duties in lemon law matters? It seems clear. The consumer has the duty to present the vehicle to the manufacturer or its representative, the dealership, in order that they are able to diagnose the defect and repair it. Along with the duty, the consumer has a right to expect the dealership to repair the vehicle honestly and expeditiously.
What are the rights of the manufacturer? Simply put, they have the right to expect that the consumer will present their defective vehicle at an authorized dealer for repair in a timely manner, and that the consumer properly maintain the vehicle. The manufacturer should have no other expectation. They should not expect a consumer to perfectly describe the defect they are experiencing or any other limiting requirement.
Of the thousands of lemon law clients we have spoken with, it is extremely rare that a manufacturer makes a legitimate offer to buy back or replace a defective vehicle. In each of these cases no hint of awareness of their affirmative duty was present.
Not all manufacturers or dealerships are the same. Some, certainly not enough, really do have the consumer's best interests at heart.
If however you find yourself with a defective vehicle and a manufacturer who is not ready to step up and replace or refund as they should, find yourself an experienced lemon law attorney. Do your homework. Look at their record. See what others who have used their services have to say.
Be certain they offer you a free case evaluation without delay. Never be afraid to ask hard questions. It's important and it can determine the outcome of your lemon law case.
About Norman Taylor & Associates
Norman Taylor & Associates has been assisting consumers since 1987. Our goal is to provide individuals who have the misfortune of purchasing a defective vehicle or goods, and who have recourse under the Lemon Law, with the highest quality legal representation. With a twenty-three year history of successful cases, Norman Taylor & Associates has established its reputation as a firm of consumer advocates that gets the job done. We represent California residents of Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties.
Ford Recalls 400,000 Windstar Minivans Over A Steering Issue
Ford Motor Co. recalled more than 400,000 Windstar minivans in cold-weather states in the month of January. According to Ford Motor Co., the recall was for the safety repairs to fix brackets and mounts that could separate from the sub-frame of the vehicle and cause its driver to lose control. This recall is the latest over quality issue and it involves 425,288 older Windstar minivans of 1999-2003 model years. These 425,288 older Windstar minivans may have been sold or registered in 22 states and the District of Columbia. According to Ford, there were seven crashes and five minor injuries that were alleged to have resulted from this steering issue.
Earlier in August, Ford recalled more than 600,000 of the minivans in the US and Canada to address rear axles problems that resulted in their corrosion and breakage. The National Highway Traffic Safety Administration also has been investigating corrosion problems in the minivans in the 1999-2003 year models and the minivans are still under review by the agency. The recall of Windstar minivans covers brackets and mounts connected to the front sub-frame that carries the engine, trans-axle, steering rack and front suspension. According to an NHTSA post on its website, if the mounts separate from the frame the driver could experience reduced steering control.
The recall of Windstar minivans is limited to the states where road salt is used during winter, as the following:
* Connecticut and Delaware
* Illinois, Indiana, Iowa and Kentucky
* Maine, Maryland and Massachusetts
* Michigan, Minnesota and Missouri
* New Hampshire, New Jersey and New York
* Ohio, Pennsylvania and Rhode Island
* Utah, Vermont, West Virginia and Wisconsin
The Windstar minivans were hugely covered by the media when a 28-year-old form Massachusetts was killed in October. The rear axle of his Windstar cracked in half and the vehicle went careening and crashed into a building. According to the family of the victim, they were not in receipt of any recall notice from Ford until a week after the crash.
The NHTSA issued a consumer advisory in November advising the owners of the Windstar minivans to bring their vehicles to a dealership immediately to be examined for signs of rear-axle corrosion. According to the NHTSA, only around 75,000 recalled minivans showed up at the dealerships for the recall repairs.
According to a Ford spokesman, the latest recall the auto company was responded by fewer than 100 complaints over the corrosion issue with the sub-frame. The low turn out was obviously due the presence of high-mileage-no-complaint older vehicles that are dependable for safe service over never ending miles.
According to Ford:
* It would notify owners of the affected vehicles in mid-February
* The dealers would inspect the vehicles and install reinforcement brackets as these parts become available
* If the vehicle does not pass inspection before the parts are available, Ford would provide a rental vehicle
* If the front sub-frame cannot be fixed, the company would consider buying the vehicle back
The above instructions are not meant as legal advice. You may persist your lemon law claim or any other issue with your automobiles by contacting florida lemon law attorneys of Krohn & Moss for your FREE initial consultation.
Earlier in August, Ford recalled more than 600,000 of the minivans in the US and Canada to address rear axles problems that resulted in their corrosion and breakage. The National Highway Traffic Safety Administration also has been investigating corrosion problems in the minivans in the 1999-2003 year models and the minivans are still under review by the agency. The recall of Windstar minivans covers brackets and mounts connected to the front sub-frame that carries the engine, trans-axle, steering rack and front suspension. According to an NHTSA post on its website, if the mounts separate from the frame the driver could experience reduced steering control.
The recall of Windstar minivans is limited to the states where road salt is used during winter, as the following:
* Connecticut and Delaware
* Illinois, Indiana, Iowa and Kentucky
* Maine, Maryland and Massachusetts
* Michigan, Minnesota and Missouri
* New Hampshire, New Jersey and New York
* Ohio, Pennsylvania and Rhode Island
* Utah, Vermont, West Virginia and Wisconsin
The Windstar minivans were hugely covered by the media when a 28-year-old form Massachusetts was killed in October. The rear axle of his Windstar cracked in half and the vehicle went careening and crashed into a building. According to the family of the victim, they were not in receipt of any recall notice from Ford until a week after the crash.
The NHTSA issued a consumer advisory in November advising the owners of the Windstar minivans to bring their vehicles to a dealership immediately to be examined for signs of rear-axle corrosion. According to the NHTSA, only around 75,000 recalled minivans showed up at the dealerships for the recall repairs.
According to a Ford spokesman, the latest recall the auto company was responded by fewer than 100 complaints over the corrosion issue with the sub-frame. The low turn out was obviously due the presence of high-mileage-no-complaint older vehicles that are dependable for safe service over never ending miles.
According to Ford:
* It would notify owners of the affected vehicles in mid-February
* The dealers would inspect the vehicles and install reinforcement brackets as these parts become available
* If the vehicle does not pass inspection before the parts are available, Ford would provide a rental vehicle
* If the front sub-frame cannot be fixed, the company would consider buying the vehicle back
The above instructions are not meant as legal advice. You may persist your lemon law claim or any other issue with your automobiles by contacting florida lemon law attorneys of Krohn & Moss for your FREE initial consultation.
Saturday, March 24, 2012
Despite Publicity, California Lemon Law Still Needed For Toyota Owners
Despite Publicity, California Lemon Law Still Needed For Toyota Owners
Despite massive publicity about an obvious-and potentially life-threatening-vehicle defect, it seems that some dealers will still try to wrangle out of taking care of it for consumers. Such occurrences highlight the continuing need for California Lemon Law.
According to a recent news story published on the web site of television station CBS 5 in San Francisco, Patrick Luong is still waiting for his Toyota dealer to assist him with his 2008 Toyota Tundra, in which he's had 2 life-threatening incidents. The first time, Luong was driving on the Interstate with his 15-year-old nephew in the passenger seat, when the vehicle began accelerating and decelerating, all on its own accord. He managed to get the truck into neutral and steer it over to the side of the freeway, where both occupants jumped out of the vehicle to safety.
The dealership found nothing wrong with the truck, and explained to Luong that the problem was the floor mat, which was then removed.
Several months later, it happened again. This time, the truck sped up to 60 miles an hour in a residential neighborhood. The truck wound up in a ditch. Once again, the dealer told him there was nothing wrong. This time, however, Luong left the vehicle with the dealer-where, when the news story aired just a short while ago, it still sat after 3 weeks, while Luong waited for a response from Toyota.
-It's surprising, with the volume of publicity surrounding this particular known defect, that Toyota has not responded to this individual,- said Norman Taylor, leading California lemon law attorney. -They're following their usual routine of doing everything they can to avoid addressing a vehicle defect. Unfortunately, it's a very common occurrence.-
Taylor has seen and heard many stories of lemons being -deflected- by dealers and manufacturers. He has been a California lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
-Dealers and manufacturers don't want to deal with lemons, and use deception, delay and occasionally fraud to put off a consumer,- Taylor explained. -The sad part is they don't think it is unjust. They think it is business, and good business at that. If you are the owner of a lemon vehicle, you have probably been given a runaround that makes getting permits from your local bureaucracy seem like taking a vacation to Disneyland.-
Because of such practices, it is highly recommended to any consumer that thinks he or she may be driving a lemon to contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor & Associates has been assisting consumers since 1987. Our goal is to provide individuals who have the misfortune of purchasing a defective vehicle or goods, and who have recourse under the Lemon Law, with the highest quality legal representation. With a twenty-three year history of successful cases, Norman Taylor & Associates has established its reputation as a firm of consumer advocates that gets the job done. We represent California residents of Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties.
Despite massive publicity about an obvious-and potentially life-threatening-vehicle defect, it seems that some dealers will still try to wrangle out of taking care of it for consumers. Such occurrences highlight the continuing need for California Lemon Law.
According to a recent news story published on the web site of television station CBS 5 in San Francisco, Patrick Luong is still waiting for his Toyota dealer to assist him with his 2008 Toyota Tundra, in which he's had 2 life-threatening incidents. The first time, Luong was driving on the Interstate with his 15-year-old nephew in the passenger seat, when the vehicle began accelerating and decelerating, all on its own accord. He managed to get the truck into neutral and steer it over to the side of the freeway, where both occupants jumped out of the vehicle to safety.
The dealership found nothing wrong with the truck, and explained to Luong that the problem was the floor mat, which was then removed.
Several months later, it happened again. This time, the truck sped up to 60 miles an hour in a residential neighborhood. The truck wound up in a ditch. Once again, the dealer told him there was nothing wrong. This time, however, Luong left the vehicle with the dealer-where, when the news story aired just a short while ago, it still sat after 3 weeks, while Luong waited for a response from Toyota.
-It's surprising, with the volume of publicity surrounding this particular known defect, that Toyota has not responded to this individual,- said Norman Taylor, leading California lemon law attorney. -They're following their usual routine of doing everything they can to avoid addressing a vehicle defect. Unfortunately, it's a very common occurrence.-
Taylor has seen and heard many stories of lemons being -deflected- by dealers and manufacturers. He has been a California lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
-Dealers and manufacturers don't want to deal with lemons, and use deception, delay and occasionally fraud to put off a consumer,- Taylor explained. -The sad part is they don't think it is unjust. They think it is business, and good business at that. If you are the owner of a lemon vehicle, you have probably been given a runaround that makes getting permits from your local bureaucracy seem like taking a vacation to Disneyland.-
Because of such practices, it is highly recommended to any consumer that thinks he or she may be driving a lemon to contact a qualified lemon law attorney right away.
About Norman Taylor & Associates
Norman Taylor & Associates has been assisting consumers since 1987. Our goal is to provide individuals who have the misfortune of purchasing a defective vehicle or goods, and who have recourse under the Lemon Law, with the highest quality legal representation. With a twenty-three year history of successful cases, Norman Taylor & Associates has established its reputation as a firm of consumer advocates that gets the job done. We represent California residents of Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties.
California Lemon Law You Have A Choice Of Refund Or
California Lemon Law You Have A Choice Of Refund Or Replacement
The state of Oklahoma has just passed new, stronger legislation in support of their state lemon laws. Among other things, the bill gives consumers the choice of a refund or replacement of a defective vehicle. It also places a standard in state law for a manufacturer's charge for mileage on a defective vehicle and prohibits a manufacturer from charging for mileage if the lemon is simply replaced.
Similar to the Oklahama legislation, California lemon law prohibits a manufacturer from forcing a consumer to accept a replacement-something a manufacturer or dealer won't always tell you.
-The general consensus amongst lemon practitioners in California is that the manufacturer cannot make you take a replacement,- said Norman Taylor, leading California lemon law attorney.
Taylor understands the law well. He has been a California lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
A consumer may prefer one remedy over the other for various reasons. If the consumer really likes the model, for example, he or she may choose a replacement. If the buyer no longer trusts the manufacturer, he or she may then opt for a refund. The point, though, is that if the consumer wants a cash refund, the manufacturer cannot force a replacement on to the consumer.
Anyone pursuing a refund should make themselves aware of what exactly the refund encompasses. It usually includes the down payment and all monthly payments made including finance charges. It may also include official fees and charges such as sales tax and registration fees, and other expenses reasonably incurred in connection with the defective vehicle such as rental cars, towing, repairs and storage.
Almost all states permit the manufacturer to deduct some allowance for the owner's use of the vehicle, and some states allow a deduction only for miles driven up to the first repair attempt. The latter recognizes that the failure to repair the vehicle is the manufacturer's responsibility, and that being forced to continue using a lemon is not a valuable benefit.
A replacement must be comparable to the vehicle being replaced. Ideally, it should be substantially identical in make, model and options. The manufacturer must typically pay any sales tax and registration fees on the new vehicle.
Whichever remedy you choose, you should obtain professional help. -I recommend that you consult a lemon law attorney to help you decide what is best for you,- said Taylor.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor and Associates, the goal is to provide clients with the highest quality of legal representation if they are one of the unfortunate residents of California who have had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. The firm represents consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty-two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
The state of Oklahoma has just passed new, stronger legislation in support of their state lemon laws. Among other things, the bill gives consumers the choice of a refund or replacement of a defective vehicle. It also places a standard in state law for a manufacturer's charge for mileage on a defective vehicle and prohibits a manufacturer from charging for mileage if the lemon is simply replaced.
Similar to the Oklahama legislation, California lemon law prohibits a manufacturer from forcing a consumer to accept a replacement-something a manufacturer or dealer won't always tell you.
-The general consensus amongst lemon practitioners in California is that the manufacturer cannot make you take a replacement,- said Norman Taylor, leading California lemon law attorney.
Taylor understands the law well. He has been a California lemon law specialist since 1987, and he and his firm, Norman Taylor and Associates, have handled over 8,000 cases for consumers with a 98 percent success rate.
A consumer may prefer one remedy over the other for various reasons. If the consumer really likes the model, for example, he or she may choose a replacement. If the buyer no longer trusts the manufacturer, he or she may then opt for a refund. The point, though, is that if the consumer wants a cash refund, the manufacturer cannot force a replacement on to the consumer.
Anyone pursuing a refund should make themselves aware of what exactly the refund encompasses. It usually includes the down payment and all monthly payments made including finance charges. It may also include official fees and charges such as sales tax and registration fees, and other expenses reasonably incurred in connection with the defective vehicle such as rental cars, towing, repairs and storage.
Almost all states permit the manufacturer to deduct some allowance for the owner's use of the vehicle, and some states allow a deduction only for miles driven up to the first repair attempt. The latter recognizes that the failure to repair the vehicle is the manufacturer's responsibility, and that being forced to continue using a lemon is not a valuable benefit.
A replacement must be comparable to the vehicle being replaced. Ideally, it should be substantially identical in make, model and options. The manufacturer must typically pay any sales tax and registration fees on the new vehicle.
Whichever remedy you choose, you should obtain professional help. -I recommend that you consult a lemon law attorney to help you decide what is best for you,- said Taylor.
About Norman Taylor & Associates
Norman Taylor and Associates have been assisting consumers since 1987. At Norman Taylor and Associates, the goal is to provide clients with the highest quality of legal representation if they are one of the unfortunate residents of California who have had the misfortune of purchasing defective vehicles or goods and who have recourse under the Lemon Law. The firm represents consumers in Los Angeles, Orange, Riverside, San Bernardino, Ventura and Santa Barbara counties. With a twenty-two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.
Friday, March 23, 2012
California Lemon Law Is Consumer Friendly
News is that BMW had recently bought a defective Mini Cooper back from a consumer in California. Statistics show that the chances of car manufacturers buying their defective vehicles back are much higher in California than they are in Texas. The lemon laws may be named alike but they differ in essence from state to state.
California lemon law has an automatic attorney fee shifting provision that forces the car manufacturer to pay the consumer's attorney fees
In Texas, the attorney fee shifting is not automatic
In Texas, during the lemon law administrative hearing, a car manufacturer is required to pay the consumer's lemon law only if he obtains his own attorney
In Texas, during the lemon law administrative hearing, a car manufacturer is required to pay the consumer's lemon law only if he provides the consumer with proper notice
In Texas, the car manufacturer may not hire an attorney at all
In Texas, he would hire car experts trained by attorneys to attend hearings on a regular basis
These considerations make California Lemon Law, the Song-Beverly Act much more consumer friendly than the Texas Lemon Law.
Texas Lemon Law for replacement or repurchase of a Defective car
Texas Lemon Law has a defined approach to allow vehicles to become eligible for a lemon law buyback or replacement.
The Texas Occupations Code states a vehicle meets the rebuttable presumption if
The same nonconformity remains after four or more repairs
The same nonconformity creates a serious safety hazard and continues even after two or more repairs
The nonconformity substantially impairs the vehicle's use or market value
The vehicle is out of service for repairs for a total of 30 or more days
The rebuttable presumption: The rebuttable presumption is a statement that the court recognizes as the truth, unless it is otherwise established by the manufacturer or the car dealer.
The Same nonconformity does not have to be with the same one part in the vehicle. It can be the transmission system, brake system, engine, electrical or electronic system or the body. It is very important that the consumer has to impress upon the administrative judge and the Texas Department of Transportation (DOT) case handler of the nonconformity.
California lemon law has an automatic attorney fee shifting provision that forces the car manufacturer to pay the consumer's attorney fees
In Texas, the attorney fee shifting is not automatic
In Texas, during the lemon law administrative hearing, a car manufacturer is required to pay the consumer's lemon law only if he obtains his own attorney
In Texas, during the lemon law administrative hearing, a car manufacturer is required to pay the consumer's lemon law only if he provides the consumer with proper notice
In Texas, the car manufacturer may not hire an attorney at all
In Texas, he would hire car experts trained by attorneys to attend hearings on a regular basis
These considerations make California Lemon Law, the Song-Beverly Act much more consumer friendly than the Texas Lemon Law.
Texas Lemon Law for replacement or repurchase of a Defective car
Texas Lemon Law has a defined approach to allow vehicles to become eligible for a lemon law buyback or replacement.
The Texas Occupations Code states a vehicle meets the rebuttable presumption if
The same nonconformity remains after four or more repairs
The same nonconformity creates a serious safety hazard and continues even after two or more repairs
The nonconformity substantially impairs the vehicle's use or market value
The vehicle is out of service for repairs for a total of 30 or more days
The rebuttable presumption: The rebuttable presumption is a statement that the court recognizes as the truth, unless it is otherwise established by the manufacturer or the car dealer.
The Same nonconformity does not have to be with the same one part in the vehicle. It can be the transmission system, brake system, engine, electrical or electronic system or the body. It is very important that the consumer has to impress upon the administrative judge and the Texas Department of Transportation (DOT) case handler of the nonconformity.
California Bill Named After Houcks Sisters Recalled Curtails Rental Cars
California Bill Named After Houcks Sisters Recalled Curtails Rental Cars On Road
California lawmakers are heading towards enacting a law that can force rental car companies to pull their recalled vehicles off the road. This law if enforced would be the nations first law that can curtail rental car companies against their plying recalled vehicles. A state Assembly committee voted 6-2 in favor of a bill named for Carol Houcks daughters, who died in 2004 while driving a rented car that was the subject of a safety recall.
This California Lemon Law had been given the right impetus by a mother who testified that such a rule could have saved the lives of her two daughters. According to the mother of the victims Carol Houck, the PT Cruiser her daughters were killed in was rented out three times after the rental company received the recall notice.
Enterprise is the largest car rental company in the US, with $12 billion in annual revenue and 1.1 million vehicles in its fleet. It includes the Alamo, Enterprise and National brands. The Houck sisters, Rachel, 24, and Jacqueline, 20 were killed in 2004 when the steering on a Chrysler PT Cruiser rented from Enterprise failed, in central California. The car crashed into a truck and caught fire. The company had received a recall notice for the vehicle about a month earlier.
According to the investigators hired by the Houck family:
* The power steering fluid line that was the subject of the recall leaked
* This leak, in turn caused the steering to fail
Enterprise fought a wrongful death case brought by the family for five years before admitting negligence. A jury awarded the parents $15 million.
Auto dealers are not allowed to sell or lease cars that have been recalled and this bill should be able close a loophole that allows rental car companies to continue to sell or lease recalled cars.
However, representatives of several rental car companies claim that
* They repair 90 percent of vehicles within 30 days of receiving recall notices
* They are very particular with their safety policies as such it deems such bills unwarranted
* Adopting such a law in California could prompt other States to do the same
* If other States are to follow suit, a patchwork of laws is created that would be difficult for them to follow
* The bill is targeting only their industry unfairly
* The bill is ignoring other vehicle fleets, such as those operated by taxi, limousine and shuttle bus services
* The bill is ignoring other vehicle fleets, such as those operated by private companies and governments
Consumers should be aware of the recall status of the cars they rent. They must ascertain that the cars they rent are safe.
California lawmakers are heading towards enacting a law that can force rental car companies to pull their recalled vehicles off the road. This law if enforced would be the nations first law that can curtail rental car companies against their plying recalled vehicles. A state Assembly committee voted 6-2 in favor of a bill named for Carol Houcks daughters, who died in 2004 while driving a rented car that was the subject of a safety recall.
This California Lemon Law had been given the right impetus by a mother who testified that such a rule could have saved the lives of her two daughters. According to the mother of the victims Carol Houck, the PT Cruiser her daughters were killed in was rented out three times after the rental company received the recall notice.
Enterprise is the largest car rental company in the US, with $12 billion in annual revenue and 1.1 million vehicles in its fleet. It includes the Alamo, Enterprise and National brands. The Houck sisters, Rachel, 24, and Jacqueline, 20 were killed in 2004 when the steering on a Chrysler PT Cruiser rented from Enterprise failed, in central California. The car crashed into a truck and caught fire. The company had received a recall notice for the vehicle about a month earlier.
According to the investigators hired by the Houck family:
* The power steering fluid line that was the subject of the recall leaked
* This leak, in turn caused the steering to fail
Enterprise fought a wrongful death case brought by the family for five years before admitting negligence. A jury awarded the parents $15 million.
Auto dealers are not allowed to sell or lease cars that have been recalled and this bill should be able close a loophole that allows rental car companies to continue to sell or lease recalled cars.
However, representatives of several rental car companies claim that
* They repair 90 percent of vehicles within 30 days of receiving recall notices
* They are very particular with their safety policies as such it deems such bills unwarranted
* Adopting such a law in California could prompt other States to do the same
* If other States are to follow suit, a patchwork of laws is created that would be difficult for them to follow
* The bill is targeting only their industry unfairly
* The bill is ignoring other vehicle fleets, such as those operated by taxi, limousine and shuttle bus services
* The bill is ignoring other vehicle fleets, such as those operated by private companies and governments
Consumers should be aware of the recall status of the cars they rent. They must ascertain that the cars they rent are safe.
Thursday, March 22, 2012
Attorney General Puts His Foot Down- Chrysler Drivers Still Entitled
Attorney General Puts His Foot Down- Chrysler Drivers Still Entitled To State Lemon Law Protection
Attorney General puts his foot down- Chrysler drivers still entitled to state lemon law protection
Thanks to Attorney General, the drivers of Chrysler, Dodge and Jeep vehicles will retain their Lemon Law rights to compensation for defects under a deal between U.S. states and Chrysler LLC's new owners, Fiat Group SpA.
The Italian automaker takes over Chrysler as part of its reorganization. Chrysler filed for Chapter 11 bankruptcy protection in April.
The new Chrysler:
Is willing to honor warranties on vehicles sold before or after the bankruptcy
Chrysler says it will be responsible only for problems with vehicles sold after the bankruptcy for personal injury lawsuits
Shows a stance reduces current Chrysler, Dodge and Jeep vehicle owners right to sue the automaker for injury-causing to a mere debate
Did not explicitly say that it would be responsible for future product-liability suits involving vehicles already sold
Was trying to avoid potential liability to current owners
Thanks to Attorney General, who with other state attorneys general, negotiated the national agreement with Fiat Group SpA before the Italian automaker takes over Chrysler and:
Drivers who own Chrysler, Dodge and Jeep vehicles will retain their Lemon Law rights to compensation for defects
Chrysler is also asked to honor a Florida law that requires automakers to buy back vehicles and parts when they terminate dealer franchises.
He also has filed a motion with the bankruptcy court opposing efforts to override such state laws: Chrysler has announced it plans to pull the franchises with 35 Florida dealers.
Florida's Lemon Law requires:
Manufacturers to buy back or replace defective cars and trucks if they haven't been fixed after a reasonable number of tries.
Applies to new and demonstration vehicles and those under long-term leases, protecting them for 24 months after delivery.
Thanks to Attorney General, the latest Florida Lemon Law report for 2007 showed that Chrysler:
Is leading the automakers with 295 cases approved for arbitration as the 35 percent of the total
Is accounted for 45 percent of all full settlements.
Tied Ford for most liability awards by the state's arbitration panel as the 39, or 23 percent of a total of 171
However, Chryslers willingness to comply with the lemon laws sounds bizarre because bankruptcies are generally used as a ploy to get rid of existing, tangible debts, and try to prevent future obligations.
Attorney General puts his foot down- Chrysler drivers still entitled to state lemon law protection
Thanks to Attorney General, the drivers of Chrysler, Dodge and Jeep vehicles will retain their Lemon Law rights to compensation for defects under a deal between U.S. states and Chrysler LLC's new owners, Fiat Group SpA.
The Italian automaker takes over Chrysler as part of its reorganization. Chrysler filed for Chapter 11 bankruptcy protection in April.
The new Chrysler:
Is willing to honor warranties on vehicles sold before or after the bankruptcy
Chrysler says it will be responsible only for problems with vehicles sold after the bankruptcy for personal injury lawsuits
Shows a stance reduces current Chrysler, Dodge and Jeep vehicle owners right to sue the automaker for injury-causing to a mere debate
Did not explicitly say that it would be responsible for future product-liability suits involving vehicles already sold
Was trying to avoid potential liability to current owners
Thanks to Attorney General, who with other state attorneys general, negotiated the national agreement with Fiat Group SpA before the Italian automaker takes over Chrysler and:
Drivers who own Chrysler, Dodge and Jeep vehicles will retain their Lemon Law rights to compensation for defects
Chrysler is also asked to honor a Florida law that requires automakers to buy back vehicles and parts when they terminate dealer franchises.
He also has filed a motion with the bankruptcy court opposing efforts to override such state laws: Chrysler has announced it plans to pull the franchises with 35 Florida dealers.
Florida's Lemon Law requires:
Manufacturers to buy back or replace defective cars and trucks if they haven't been fixed after a reasonable number of tries.
Applies to new and demonstration vehicles and those under long-term leases, protecting them for 24 months after delivery.
Thanks to Attorney General, the latest Florida Lemon Law report for 2007 showed that Chrysler:
Is leading the automakers with 295 cases approved for arbitration as the 35 percent of the total
Is accounted for 45 percent of all full settlements.
Tied Ford for most liability awards by the state's arbitration panel as the 39, or 23 percent of a total of 171
However, Chryslers willingness to comply with the lemon laws sounds bizarre because bankruptcies are generally used as a ploy to get rid of existing, tangible debts, and try to prevent future obligations.
A Vehicle Is Stolen Every 26.4 Seconds In The Us
A Vehicle Is Stolen Every 26.4 Seconds In The Us
According to the National Insurance Crime Bureau (NICB), a vehicle is stolen every 26.4 seconds and the average value of each stolen car is $6,649. Car thieves look for practicality but not luxury so that they can easily strip it to sell as it for its parts. Many of the cars listed here are more than 10 years old emphasizing the choice of the thieves as the most stolen vehicles in the US for 2006.
* The 1995 Honda Civic was the most stolen vehicle: It was the first of its kind, with its VTEC engine. The VTEC engine remains popular among car tuners today because it can be easily modified to produce significant amounts of power efficiently
* Hondas 1991 Accord ranked is second most stolen vehicle: During three of this models four years of production, it was the best-selling car in the US (1990-1992). Thieves loved the way they were available for them to easily pilfer their parts
* The 1989 Toyota Camry was the third-most stolen vehicle in the US for 2006
* Fords 1997 F-150 series pickup was the fourth-most stolen vehicle in the US
* The 2005 Dodge Ram was the number five in the most stolen vehicle list in the US for 2006 which indicates that auto thieves have taste too
* 1994 Chevy C/K 1500 pickups and the Honda Accord were sixth on the NICB list for the most stolen vehicle in the US for 2006. The Chevys truck featured a third brake light on the back of the trucks cab for safety and a revised CFC-free air conditioning system to benefit the environment
* The 1994 Nissan Sentra was the seventh-most stolen vehicle as the 94 Sentra was the last to feature an independent rear suspension for better handling. Their more-powerful SE-R model version was a favorite of the car thieves
* The 1994 Dodge Caravan was the eighth on the list as the most stolen vehicle. This second-generation upscale Chrysler Town and Country and the economy-minded Voyager from Plymouth had sales of about 4 million vehicles in the 10 years for the car thieves to go on rampage
* The 1994 Saturn SL was ninth on the list as the most stolen vehicle. The SL models were known for their excellent fuel economy and their dent-resistant panels which were made from polymer and the car thieves loved it
* Acuras 1990 Integra was 10th on NICBs list as the most stolen vehicle which is well loved for its handling prowess, more so by the car thieves
By the time you are through with this, an average of two vehicles must have been already stolen in the U.S and, three if you do it slowly. According to the National Insurance Crime Bureau (NICB), a vehicle is stolen every 26.4 seconds in the US.
The directives given above are not intended as legal advice. You may pursue your lemon law claim or any other dispute with your automobiles by being in communication with California Lemon Law Attorneys of Krohn & Moss Ltd., or Call 1-800 US LEMON (800-875-3666) toll free, to reach Krohn & Moss for your FREE initial consultation.
According to the National Insurance Crime Bureau (NICB), a vehicle is stolen every 26.4 seconds and the average value of each stolen car is $6,649. Car thieves look for practicality but not luxury so that they can easily strip it to sell as it for its parts. Many of the cars listed here are more than 10 years old emphasizing the choice of the thieves as the most stolen vehicles in the US for 2006.
* The 1995 Honda Civic was the most stolen vehicle: It was the first of its kind, with its VTEC engine. The VTEC engine remains popular among car tuners today because it can be easily modified to produce significant amounts of power efficiently
* Hondas 1991 Accord ranked is second most stolen vehicle: During three of this models four years of production, it was the best-selling car in the US (1990-1992). Thieves loved the way they were available for them to easily pilfer their parts
* The 1989 Toyota Camry was the third-most stolen vehicle in the US for 2006
* Fords 1997 F-150 series pickup was the fourth-most stolen vehicle in the US
* The 2005 Dodge Ram was the number five in the most stolen vehicle list in the US for 2006 which indicates that auto thieves have taste too
* 1994 Chevy C/K 1500 pickups and the Honda Accord were sixth on the NICB list for the most stolen vehicle in the US for 2006. The Chevys truck featured a third brake light on the back of the trucks cab for safety and a revised CFC-free air conditioning system to benefit the environment
* The 1994 Nissan Sentra was the seventh-most stolen vehicle as the 94 Sentra was the last to feature an independent rear suspension for better handling. Their more-powerful SE-R model version was a favorite of the car thieves
* The 1994 Dodge Caravan was the eighth on the list as the most stolen vehicle. This second-generation upscale Chrysler Town and Country and the economy-minded Voyager from Plymouth had sales of about 4 million vehicles in the 10 years for the car thieves to go on rampage
* The 1994 Saturn SL was ninth on the list as the most stolen vehicle. The SL models were known for their excellent fuel economy and their dent-resistant panels which were made from polymer and the car thieves loved it
* Acuras 1990 Integra was 10th on NICBs list as the most stolen vehicle which is well loved for its handling prowess, more so by the car thieves
By the time you are through with this, an average of two vehicles must have been already stolen in the U.S and, three if you do it slowly. According to the National Insurance Crime Bureau (NICB), a vehicle is stolen every 26.4 seconds in the US.
The directives given above are not intended as legal advice. You may pursue your lemon law claim or any other dispute with your automobiles by being in communication with California Lemon Law Attorneys of Krohn & Moss Ltd., or Call 1-800 US LEMON (800-875-3666) toll free, to reach Krohn & Moss for your FREE initial consultation.
Tips For Buying A Used Car And Avoiding A Lemon
Tips For Buying A Used Car And Avoiding A Lemon
Do some homework before you start shopping for a used vehicle. Think about what your needs are, what your driving habits are, and what your budget is. You can learn about vehicle models, options, and prices by reading dealership ads in the newspaper as well as reading the classifieds.
There is also a host of information about used cars on the Internet. Enter the words USED CAR as keywords for searching and you will find information such as how to buy a used car, how to conduct a pre-purchase inspection, ads for cars available for sale, as well as other information.
Your local library and book stores are another source of good information. They have publications that compare car models, options, and costs; as well as offer information about frequency-of-repair records, safety tests, and mileage.
Once you've narrowed your car choices, research the frequency of repair and the maintenance costs on those models in auto-related consumer magazines. For information on recalls, contact The U.S. Department of Transportation's Auto Safety Hotline at 1-800-424-9393.
When you find a vehicle you are seriously interested in, considering using one of the vehicle history services available online to find out what that vehicles history is. Some of the services available include an odometer check to help you make sure the mileage on the vehicle is accurate; checking the registration to find out if the vehicle was a rental, a lease, private party, or fleet vehicle; a title check; as well as finding out if the vehicle is a lemon, was in a major accident, was a salvage vehicle, or was ever reported stolen.
There is typically a fee for these services, but spending a little money to find out the exact history of the vehicle can save you serious money and headaches down the road. In order to use one of these services, you will need the VIN from the vehicle. Enter the keywords VEHICLE HISTORY in an Internet search engine such as Google or Yahoo. It will yield results for several organizations that offer these services such as and
For financing you have two choices. One is to pay in full at the time of purchase. The other option is to finance over time. If you finance, the total cost of the vehicle increases because you are also paying for the cost of credit which includes interest and other loan costs. If you are going to finance, consider how much money you can put down on the car, your monthly payment, the length of the loan, and the annual percentage rate. Keep in mind that annual percentage rates are typically higher on used vehicles. The loan period is typically shorter on a used vehicle as well.
Dealers and lenders offer a variety of loan terms and payments schedules. Shop around. Compare offers. Negotiate the best deal you can. Be very careful about advertisements that offer financing to first time buyers and to people with bad credit. They typically require a big down payment and have a high annual percentage interest rate. If you agree to financing that carries a high interest rate, you might be taking a big risk. If you decide to sell the car before the loan is paid in full, the amount you receive from the sale of the vehicle may be far less than the amount you need to pay off the loan. If the car is repossessed or declared a total loss because of an accident, you could be obligated to pay a considerable amount to repay the loan even after the proceeds from the sale of the car or the insurance payment have been deducted.
If you decide to finance, make sure you understand the following aspects of the loan agreement before you sign any documents:
1) the exact price you are paying for the vehicle, not just what the monthly payments are
2) the amount of your finance charges (the exact dollar around the credit will cost you)
3) the annual percentage rate (APR)
4) the number of monthly payments and the amount of each monthly payment
5) the total cost of the vehicle (including tax, title, registration, finance costs, etc.)
Used cars are sold through numerous types of outlets: franchise dealers, independent dealers, rental car companies, leasing companies, used car superstores, private party sales and the Internet. Check with family and friends for recommendations on where to buy a vehicle. It is also a good idea to call your local Better Business Bureau and/or the State Attorney General office to find out if any unresolved complaints are on file about a particular dealer before you decide to do business with them.
There is a lot of hype in ads you will see. Some dealers are attracting customers with no-haggle prices, factory certified used cars and better warranties. Consider the dealers reputation when evaluating these ads.
By law, dealers are not required to give used car buyers a three day right to cancel. The right to return a car in a few days for a refund exists only if the dealer grants this privilege to buyers. Before you purchase from a dealer, ask about the return policy. Get the return policy in writing and read it carefully to be sure you understand it.
The Federal Trade Commission's Used Car Rule requires dealers to post a Buyers Guide in every used car they offer for sale. This includes light-duty vans, light-duty trucks, demonstrators, and program cars.Demonstrator vehicles are new vehicles that have not been owned, leased, or used as rentals, but they have been driven by the dealer staff. Program cars are low-mileage, current-model-year vehicles returned from short-term leases or rentals.
Buyers Guides do not have to be posted on motorcycles and most recreational vehicles. Anyone who sells less than six cars a year does not have to post a Buyers Guide.
The Buyers Guide must tell you the following:
1) whether the vehicle is being sold as is" or with a warranty
2) what percentage of the repair costs a dealer will pay under the warranty
3) that spoken promises are difficult to enforce
4) to get all promises in writing
5) to keep the Buyer's Guide for reference after the sale
6) the major mechanical and electrical systems on the car, including some of the
major problems you should look out for
7) to ask to have the car inspected by an independent mechanic before you buy.
When you buy a used car from a dealer, get the original Buyers Guide that was posted in the vehicle, or a copy. The Guide has to reflect any negotiated changes in the warranty coverage. It also becomes part of your sales contract and overrides any contrary provisions. For example, if
the Buyers Guide says the car comes with a warranty and the contract says the car is sold "as is," the dealer must give you the warranty described in the Guide. When the dealer offers a vehicle "as is," the box next to the "As Is - No Warranty" disclosure on the Buyers Guide must be
checked. If the box is checked but the dealer promises to repair the vehicle or cancel the sale if you're not satisfied, make sure the promise is written on the Buyers Guide.
Some states, do not allow as is sales for many used vehicles and some states require different disclosures than those on the Buyers Guide. Check with you state Attorney General office to find out what the laws are in your state.
Do some homework before you start shopping for a used vehicle. Think about what your needs are, what your driving habits are, and what your budget is. You can learn about vehicle models, options, and prices by reading dealership ads in the newspaper as well as reading the classifieds.
There is also a host of information about used cars on the Internet. Enter the words USED CAR as keywords for searching and you will find information such as how to buy a used car, how to conduct a pre-purchase inspection, ads for cars available for sale, as well as other information.
Your local library and book stores are another source of good information. They have publications that compare car models, options, and costs; as well as offer information about frequency-of-repair records, safety tests, and mileage.
Once you've narrowed your car choices, research the frequency of repair and the maintenance costs on those models in auto-related consumer magazines. For information on recalls, contact The U.S. Department of Transportation's Auto Safety Hotline at 1-800-424-9393.
When you find a vehicle you are seriously interested in, considering using one of the vehicle history services available online to find out what that vehicles history is. Some of the services available include an odometer check to help you make sure the mileage on the vehicle is accurate; checking the registration to find out if the vehicle was a rental, a lease, private party, or fleet vehicle; a title check; as well as finding out if the vehicle is a lemon, was in a major accident, was a salvage vehicle, or was ever reported stolen.
There is typically a fee for these services, but spending a little money to find out the exact history of the vehicle can save you serious money and headaches down the road. In order to use one of these services, you will need the VIN from the vehicle. Enter the keywords VEHICLE HISTORY in an Internet search engine such as Google or Yahoo. It will yield results for several organizations that offer these services such as and
For financing you have two choices. One is to pay in full at the time of purchase. The other option is to finance over time. If you finance, the total cost of the vehicle increases because you are also paying for the cost of credit which includes interest and other loan costs. If you are going to finance, consider how much money you can put down on the car, your monthly payment, the length of the loan, and the annual percentage rate. Keep in mind that annual percentage rates are typically higher on used vehicles. The loan period is typically shorter on a used vehicle as well.
Dealers and lenders offer a variety of loan terms and payments schedules. Shop around. Compare offers. Negotiate the best deal you can. Be very careful about advertisements that offer financing to first time buyers and to people with bad credit. They typically require a big down payment and have a high annual percentage interest rate. If you agree to financing that carries a high interest rate, you might be taking a big risk. If you decide to sell the car before the loan is paid in full, the amount you receive from the sale of the vehicle may be far less than the amount you need to pay off the loan. If the car is repossessed or declared a total loss because of an accident, you could be obligated to pay a considerable amount to repay the loan even after the proceeds from the sale of the car or the insurance payment have been deducted.
If you decide to finance, make sure you understand the following aspects of the loan agreement before you sign any documents:
1) the exact price you are paying for the vehicle, not just what the monthly payments are
2) the amount of your finance charges (the exact dollar around the credit will cost you)
3) the annual percentage rate (APR)
4) the number of monthly payments and the amount of each monthly payment
5) the total cost of the vehicle (including tax, title, registration, finance costs, etc.)
Used cars are sold through numerous types of outlets: franchise dealers, independent dealers, rental car companies, leasing companies, used car superstores, private party sales and the Internet. Check with family and friends for recommendations on where to buy a vehicle. It is also a good idea to call your local Better Business Bureau and/or the State Attorney General office to find out if any unresolved complaints are on file about a particular dealer before you decide to do business with them.
There is a lot of hype in ads you will see. Some dealers are attracting customers with no-haggle prices, factory certified used cars and better warranties. Consider the dealers reputation when evaluating these ads.
By law, dealers are not required to give used car buyers a three day right to cancel. The right to return a car in a few days for a refund exists only if the dealer grants this privilege to buyers. Before you purchase from a dealer, ask about the return policy. Get the return policy in writing and read it carefully to be sure you understand it.
The Federal Trade Commission's Used Car Rule requires dealers to post a Buyers Guide in every used car they offer for sale. This includes light-duty vans, light-duty trucks, demonstrators, and program cars.Demonstrator vehicles are new vehicles that have not been owned, leased, or used as rentals, but they have been driven by the dealer staff. Program cars are low-mileage, current-model-year vehicles returned from short-term leases or rentals.
Buyers Guides do not have to be posted on motorcycles and most recreational vehicles. Anyone who sells less than six cars a year does not have to post a Buyers Guide.
The Buyers Guide must tell you the following:
1) whether the vehicle is being sold as is" or with a warranty
2) what percentage of the repair costs a dealer will pay under the warranty
3) that spoken promises are difficult to enforce
4) to get all promises in writing
5) to keep the Buyer's Guide for reference after the sale
6) the major mechanical and electrical systems on the car, including some of the
major problems you should look out for
7) to ask to have the car inspected by an independent mechanic before you buy.
When you buy a used car from a dealer, get the original Buyers Guide that was posted in the vehicle, or a copy. The Guide has to reflect any negotiated changes in the warranty coverage. It also becomes part of your sales contract and overrides any contrary provisions. For example, if
the Buyers Guide says the car comes with a warranty and the contract says the car is sold "as is," the dealer must give you the warranty described in the Guide. When the dealer offers a vehicle "as is," the box next to the "As Is - No Warranty" disclosure on the Buyers Guide must be
checked. If the box is checked but the dealer promises to repair the vehicle or cancel the sale if you're not satisfied, make sure the promise is written on the Buyers Guide.
Some states, do not allow as is sales for many used vehicles and some states require different disclosures than those on the Buyers Guide. Check with you state Attorney General office to find out what the laws are in your state.
Wednesday, March 21, 2012
Shame, Judgment, And Debt Collection
If you're drowning in debt, you're certainly not alone. The Great Recession triggered a tsunami of financial problems for the American consumer. And, while big business has been the beneficiary of government bailouts, tax loopholes, and other types of largesse, ordinary people haven't been so lucky. But surrounding the facts about consumer debt is something that most people are hesitant to discuss: the feelings they have about being over their heads in debt. Unfortunately, debt collectors often prey on these feelings to try to put the squeeze on consumers.
From the ordinary person's viewpoint, being in debt can lead to feelings of frustration, shame, and even desperation. No one plans on getting behind in his or her payments. Sometimes, life just happens. People get sick and run up medical bills, people lose their jobs and have to survive on unemployment, or the car breaks down and people are saddled with unexpected repair expenses. While we may not have been saving as much as we should, and we may have charged more or bought more than we should, the financial industry is an accomplice. In the run-up to the economic crash in 2008, financial institutions were extending massive amounts of credit to people who really couldn't afford it, whether in the form of loans, credit cards, or mortgages. When it came time to pay, the economy had crashed and there was simply no money, no jobs, and no light at the end of the tunnel.
It's understandable that this set of circumstances could lead to frustration. But being in debt isn't shameful, and those who owe money shouldn't allow themselves to become victimized by the seedy underbelly of the financial industry, namely the debt collection industry. The position of many in the debt collection industry is that consumers who are behind on their bills are deadbeats, and that they'll go to any lengths necessary to collect every dollar.
Because money is so tight, an increasing number of debt collection agencies are skirting the law - or breaking the law - and using unsavory debt collection tactics. They count on the fact that most people feel shame or embarrassment about their debt, and leverage that to threaten or shame people into making payments that they can't afford.
If you're being hounded by a debt collector, it's important that you know your rights under the federal Fair Debt Collection Practices Act (FDCPA). You may owe money, but you're also entitled to retain your dignity and respect. According to the FDCPA, debt collection agencies are not allowed to threaten you, to call you late at night or early in the morning, to misrepresent who they are, or to otherwise trick you into paying a bill.
There are a million and one horror stories of debt collection agencies that use illegal practices in order to collect money from unsuspecting consumers. These debt collectors pass judgment on those they harass, and feel that the end justifies the means. The bottom line is that it's up to you to hold debt collectors accountable for their actions. The FDCPA includes provisions for consumers to sue debt collectors in federal court, and to receive up to $1,000 plus attorney fees when a debt collection agency crosses the line.
From the ordinary person's viewpoint, being in debt can lead to feelings of frustration, shame, and even desperation. No one plans on getting behind in his or her payments. Sometimes, life just happens. People get sick and run up medical bills, people lose their jobs and have to survive on unemployment, or the car breaks down and people are saddled with unexpected repair expenses. While we may not have been saving as much as we should, and we may have charged more or bought more than we should, the financial industry is an accomplice. In the run-up to the economic crash in 2008, financial institutions were extending massive amounts of credit to people who really couldn't afford it, whether in the form of loans, credit cards, or mortgages. When it came time to pay, the economy had crashed and there was simply no money, no jobs, and no light at the end of the tunnel.
It's understandable that this set of circumstances could lead to frustration. But being in debt isn't shameful, and those who owe money shouldn't allow themselves to become victimized by the seedy underbelly of the financial industry, namely the debt collection industry. The position of many in the debt collection industry is that consumers who are behind on their bills are deadbeats, and that they'll go to any lengths necessary to collect every dollar.
Because money is so tight, an increasing number of debt collection agencies are skirting the law - or breaking the law - and using unsavory debt collection tactics. They count on the fact that most people feel shame or embarrassment about their debt, and leverage that to threaten or shame people into making payments that they can't afford.
If you're being hounded by a debt collector, it's important that you know your rights under the federal Fair Debt Collection Practices Act (FDCPA). You may owe money, but you're also entitled to retain your dignity and respect. According to the FDCPA, debt collection agencies are not allowed to threaten you, to call you late at night or early in the morning, to misrepresent who they are, or to otherwise trick you into paying a bill.
There are a million and one horror stories of debt collection agencies that use illegal practices in order to collect money from unsuspecting consumers. These debt collectors pass judgment on those they harass, and feel that the end justifies the means. The bottom line is that it's up to you to hold debt collectors accountable for their actions. The FDCPA includes provisions for consumers to sue debt collectors in federal court, and to receive up to $1,000 plus attorney fees when a debt collection agency crosses the line.
Bankruptcy Lawyer Sacramento For The Application And Paperwork That Can
Bankruptcy Lawyer Sacramento For The Application And Paperwork That Can Help You Win The Case
There are laws through which you can apply for an exemption or relief from immediate paying back to your creditors. There are different types of situation that is there for you and you need to find how you can get through the situation without getting effected much. This can only happen when you are ready to take up any challenges and face the situation. You can find out about the bankruptcy and its rules from your bankruptcy lawyer sacramento. They are the best person who can guide you on the way you can find relief through this law.
The regular pressure from your creditors regarding the payback of the amount that is due to them will not let you live in peace and you need to find a way to bring back the normal flow in your life. The bankruptcy lawyer sacramento will be able to guide as to the method of applying for the bankruptcy and what are the things that you need to include with the application. There are a few of the bankruptcy declaration and they will be able to guide you which one would be the best for you.
When you have decided that you are going to file for bankruptcy you must not do it without a proper bankruptcy lawyer sacramento for there are a lot of procedures that you need to file the application. There are different services that you can avail without wasting money on them and your lawyer is the only person who can guide you about the necessity of the different details. They can check the details and can inform you about the way you need to present the case.
The somekeyword are experienced in this type of case and they will know more regarding the ways of the case and they will be able to advice you about the pitfalls and the court system that are there to approve the applications. Sometimes there are system of counseling for you and sometimes the court would like to set someone to check and find if the details of your property that you have provided stands good or not. The bankruptcy case gets its most important part completed done before the case is filed. You must work as per the guidance of the lawyer.
If you are an online enthusiast, who is looking for information on somekeyword, the reviews and articles provided by the author could be the best option. You will find all the necessary information and details on his articles.
There are laws through which you can apply for an exemption or relief from immediate paying back to your creditors. There are different types of situation that is there for you and you need to find how you can get through the situation without getting effected much. This can only happen when you are ready to take up any challenges and face the situation. You can find out about the bankruptcy and its rules from your bankruptcy lawyer sacramento. They are the best person who can guide you on the way you can find relief through this law.
The regular pressure from your creditors regarding the payback of the amount that is due to them will not let you live in peace and you need to find a way to bring back the normal flow in your life. The bankruptcy lawyer sacramento will be able to guide as to the method of applying for the bankruptcy and what are the things that you need to include with the application. There are a few of the bankruptcy declaration and they will be able to guide you which one would be the best for you.
When you have decided that you are going to file for bankruptcy you must not do it without a proper bankruptcy lawyer sacramento for there are a lot of procedures that you need to file the application. There are different services that you can avail without wasting money on them and your lawyer is the only person who can guide you about the necessity of the different details. They can check the details and can inform you about the way you need to present the case.
The somekeyword are experienced in this type of case and they will know more regarding the ways of the case and they will be able to advice you about the pitfalls and the court system that are there to approve the applications. Sometimes there are system of counseling for you and sometimes the court would like to set someone to check and find if the details of your property that you have provided stands good or not. The bankruptcy case gets its most important part completed done before the case is filed. You must work as per the guidance of the lawyer.
If you are an online enthusiast, who is looking for information on somekeyword, the reviews and articles provided by the author could be the best option. You will find all the necessary information and details on his articles.
Tuesday, March 20, 2012
Need for chapter 7 attorneys and what you can do
Need for chapter 7 attorneys and what you can do to help
This article talks about why it is absolutely required to hire a chapter 7 attorney when you file for bankruptcy. It also tells you about the things you should keep ready if you plan on filing for bankruptcy.
Filing for bankruptcy is a difficult step to take. It is a complicated process and as you are going through emotional turmoil, it is not an easy thing to get through all by yourself. Added to that is the fact that you have no idea about the bankruptcy laws and you have no knowledge about chapter 7. Hence, it is very important to hire a chapter 7 bankruptcy attorney who can guide you through the entire process. When looking for a chapter 7 attorney Sacramento offers a lot of competent professionals who are capable of making you realize the impact of your decision. If you file for bankruptcy, it will affect your financial credit for the remainder of your life. You will be unable to get any unsecured loan or be able to finance a house or car for your own self. A chapter 7 bankruptcy attorney makes you understand the consequences of your action.
When you prepare to file for bankruptcy in chapter 7, you need to have a few things ready at hand to show to your chapter 7 bankruptcy attorney. If you have them handy, the bankruptcy attorney can deal with the paperwork at court quickly. You must have a list of all your debts and all your assets. You need to keep all your unpaid bills so that you can declare them when you file for bankruptcy.
You must have a copy of your latest tax return. You must also have any kind of proof of your low income and assets. When it comes to a chapter 7 attorney Sacramento may have a huge pool of attorneys waiting to be hired, but it only has a certain set of laws which require you to get this paperwork sorted before you can sit with your chapter 7 bankruptcy attorney and start discussing and dealing with your case.
Once your attorney is done filing the paperwork, you will be asked to appear in court on a certain date when your debtors will get the opportunity to collect their debt from any of your assets that the judge declares then.
If you are looking for any unique and valuable information on somekeyword , you will find the best information provided by the author. He is very popular between the readers due to his unique style of writing and giving valuable information on somekeyword
This article talks about why it is absolutely required to hire a chapter 7 attorney when you file for bankruptcy. It also tells you about the things you should keep ready if you plan on filing for bankruptcy.
Filing for bankruptcy is a difficult step to take. It is a complicated process and as you are going through emotional turmoil, it is not an easy thing to get through all by yourself. Added to that is the fact that you have no idea about the bankruptcy laws and you have no knowledge about chapter 7. Hence, it is very important to hire a chapter 7 bankruptcy attorney who can guide you through the entire process. When looking for a chapter 7 attorney Sacramento offers a lot of competent professionals who are capable of making you realize the impact of your decision. If you file for bankruptcy, it will affect your financial credit for the remainder of your life. You will be unable to get any unsecured loan or be able to finance a house or car for your own self. A chapter 7 bankruptcy attorney makes you understand the consequences of your action.
When you prepare to file for bankruptcy in chapter 7, you need to have a few things ready at hand to show to your chapter 7 bankruptcy attorney. If you have them handy, the bankruptcy attorney can deal with the paperwork at court quickly. You must have a list of all your debts and all your assets. You need to keep all your unpaid bills so that you can declare them when you file for bankruptcy.
You must have a copy of your latest tax return. You must also have any kind of proof of your low income and assets. When it comes to a chapter 7 attorney Sacramento may have a huge pool of attorneys waiting to be hired, but it only has a certain set of laws which require you to get this paperwork sorted before you can sit with your chapter 7 bankruptcy attorney and start discussing and dealing with your case.
Once your attorney is done filing the paperwork, you will be asked to appear in court on a certain date when your debtors will get the opportunity to collect their debt from any of your assets that the judge declares then.
If you are looking for any unique and valuable information on somekeyword , you will find the best information provided by the author. He is very popular between the readers due to his unique style of writing and giving valuable information on somekeyword
Types of Miami Attorneys
The job of a Miami Attorney depends on his or her field of specialization. He can specialize in the field of his choice and make it his career. There are many kinds of lawyers. There are the Real Estate Lawyers, Miami lawyers for Family issues, Divorce Lawyers, Tax Lawyers, Personal Injury Lawyers, Car Accidents Lawyers, Bankruptcy Lawyers and Miami attorneys and Criminal Lawyers just to name a few. Real property is generally defined as land and areas which are permanently attached to the land for example buildings, garages etc. The Miami Attorney for Real Estate mainly deal in matters pertaining to immovable property and in cases dealing with the documentation of buying and selling of residential and commercial properties. The Real Estate Lawyer helps you in avoiding major and costly errors in your documents and in the financial dealings that could lead to legal action. Here the Miami Attorney can come to your rescue, provided you take his services. There are some who pretend to have been injured physically or psychologically. Here the Miami lawyer for Personal Injury provides legal performances against those to pretend to be so. The Personal Injury Lawyer is especially knowledgeable and knows which laws would work against the damages to the person's rights and property. Miami attorneys for Family skillfully solve problems pertaining to division of property, divorce and problems between two spouses. They deal with decisions concerning the children of the spouse too. Some other Miami Attorneys work with problems connected with the deprivation of parents rights also. A somekeyword for Car Accidents is the specialist that gives you professional help and legal support involving a car accident. This lawyer is very experienced and helps in different type of car accident cases more often the hit and run car accidents which involve serious damages to property and in more serious cases to the lives of people too. They can also help you in issues dealing with car insurances too. The Miami attorneys for Employment work on a purely professional basis. His competent juridical helps in conflict situations of managers or workers of various organizations involved.
Finding A Good Miami Bankruptcy Attorney
As right away as your personal bankruptcy lawyer files your documentation, the process may enter effect. The day prior to this is done, you'll should catch up any statements that you can, pay rent (or your mortgage loan), as well as pack up the vehicle with fuel. This is because the moment legitimate process have started, all financial assets you have actually can easily be claimed as well as made use of to pay the creditors. Great personal bankruptcy attorneys will certainly often assistance you in the right legal way. They will never ever deflect you in your instance procedures and also will definitely tell you each and also every thing in a lucid means. Strive to mention down his words as well as view just how he apprehends and comprehend your situation quality. As it is evident from the above excerpt, filing for personal bankruptcy could assist the debtor overcome their economic miseries. That pointed out, the results of your instance depends mostly on the Miami section 7 personal bankruptcy attorney you contract. For the customer, one of the requirements of the recently transformed personal bankruptcy legislations is that they go to obligatory credit guidance. To a specific degree, this is foolish, since several personal bankruptcy filings are not due to financial mismanagement on the component of the customer but are because of situations past the control of the individual, such as massive medical bills, a project cutback, a disorganized divorce, etc. In this situation, credit guidance might be valuable to a magnitude, however that was not the reason that bankruptcy is being taken into consideration. Still, credit therapy is a need as well as there is no method around that. To put it very, rather simplistically, a trustee is appointed by the court to gather information about the nonexempt estate of the debtor. This trustee gathers data and also consequently markets the realty. The profits of the sale visit the creditors. Specific properties are exempt and also are claimed by the attorney as being exempt. Charges from Pope Benedict XVI alleging crimes from humanity have been started at the International Offender Court. Two German lawyers, Christian Sailer and also Gert-Joachim Hetzel from the Pope's house state of Bavaria, have submitted a 16,500-word record arraigning the Pope for numerous criminal offenses from humanity. It made use of to be that as soon as someone identified themselves drowning in debt, they would need to surrender all they had to pay off those personal debts. Even their houses might be placed at risk as well as the shame of needing to surrender just what was performed therefore hard for sufficed for anyone to provide up the ghost totally. However, nowadays, there are some solutions which can be maximized just before turning to this level. This is where a bankruptcy lawyer will have the capacity to guidance on the next move. A personal bankruptcy lawyer will definitely be able to resolve all the required documentation so that the beleaguered debtor could appear of the mess with some points still intact. In October 2010, the Legal professional General's office filed a court action from ten business for participating in fee addressing of LCD panels from 1999 to 2006 that produced much higher prices for California citizens and also companies, and also authorities firms. Prior to employing a legal representative, inquire about their communication type. When evaluating your potential attorneys, consult with inquiries concerning their experience. In some situations, a judge may even grant a charge waiver if a disclaimer application is affixed when filing. As a result, it is ideal to determine all the phrases pertaining to somekeyword expenses just before you choose a lawyer for recording for bankruptcy.
Additionally don't forget the 24-month repayment that you might be examining with debt negotiation? For one thing, you must evaluate the firsthand. d.
Additionally don't forget the 24-month repayment that you might be examining with debt negotiation? For one thing, you must evaluate the firsthand. d.
Monday, March 19, 2012
Bankruptcy Lawyers in Miami and Naples
The Constitution of the USA allows the Congress to formulate uniform bankruptcy laws throughout the USA. While the whole bankruptcy procedure is governed by federal laws, in order to determine property rights, state laws are applied. The global financial meltdown has taken its toll heavily on business establishments. It is because of this reason that bankruptcy lawyers in Miami and Naples can prove to be of great help.
The impact of the economic meltdown has been so immense that more and more individuals, families, and businesses are taking to the route of bankruptcy. Constant reminders from creditors, ever burgeoning debt and foreclosure, and other similar financial situations can be quite stressful and come in the way of healthy relationships, thereby negatively influencing them. Bankruptcy can actually take care of financial problems and give a person a fresh lease of life. The complexities of bankruptcy laws necessitate the hiring of a bankruptcy lawyer.
somekeyword and Miami give valuable insights and information to people considering filing for bankruptcy. They often sit down with their clients and discuss the types of bankruptcy, its impact on their future, and other related issues. There might be instances where bankruptcy might not be the only option available. Bankruptcy lawyers in Naples and Miami help find out courses of action other than bankruptcy, wherever possible.
Bankruptcy lawyers also help their clients take an informed decision about the type of bankruptcy they should file. For example, Chapter 7 bankruptcy or liquidating bankruptcy may be a better option in case of unsecured debt, as this form of bankruptcy does away with future obligation of discharged debt. Chapter 13 bankruptcy, on the other hand, is more expensive yet is helpful in cases of home foreclosures.
A somekeyword after reviewing the finances and formulating a plan to protect a client's assets, can help present a case better than a non-lawyer. Choice of that good bankruptcy lawyer will help in protecting a client's home, car, and other personal property and assets, and keep creditors at bay. A bankruptcy lawyer can think of various ways to protect a client. In case of foreclosure, a bankruptcy lawyer can help to either short sell the property, reorganize debt, or remove a second mortgage.
Now, people in Florida need not worry about their dire financial situations. A competent and experienced bankruptcy lawyer in Naples or Miami will always provide sound legal advice and help get out of tricky financial situation.
For more information, please visit : somekeyword
The impact of the economic meltdown has been so immense that more and more individuals, families, and businesses are taking to the route of bankruptcy. Constant reminders from creditors, ever burgeoning debt and foreclosure, and other similar financial situations can be quite stressful and come in the way of healthy relationships, thereby negatively influencing them. Bankruptcy can actually take care of financial problems and give a person a fresh lease of life. The complexities of bankruptcy laws necessitate the hiring of a bankruptcy lawyer.
somekeyword and Miami give valuable insights and information to people considering filing for bankruptcy. They often sit down with their clients and discuss the types of bankruptcy, its impact on their future, and other related issues. There might be instances where bankruptcy might not be the only option available. Bankruptcy lawyers in Naples and Miami help find out courses of action other than bankruptcy, wherever possible.
Bankruptcy lawyers also help their clients take an informed decision about the type of bankruptcy they should file. For example, Chapter 7 bankruptcy or liquidating bankruptcy may be a better option in case of unsecured debt, as this form of bankruptcy does away with future obligation of discharged debt. Chapter 13 bankruptcy, on the other hand, is more expensive yet is helpful in cases of home foreclosures.
A somekeyword after reviewing the finances and formulating a plan to protect a client's assets, can help present a case better than a non-lawyer. Choice of that good bankruptcy lawyer will help in protecting a client's home, car, and other personal property and assets, and keep creditors at bay. A bankruptcy lawyer can think of various ways to protect a client. In case of foreclosure, a bankruptcy lawyer can help to either short sell the property, reorganize debt, or remove a second mortgage.
Now, people in Florida need not worry about their dire financial situations. A competent and experienced bankruptcy lawyer in Naples or Miami will always provide sound legal advice and help get out of tricky financial situation.
For more information, please visit : somekeyword
Top Tips For Choosing Miami Bankruptcy Lawyers
There's only one thing worse than filing for bankruptcy - hiring the wrong lawyer to represent you! People often obtain the wrong kind of legal services, even if they pay good money simply because filing for bankruptcy have become a volume business for many attorneys. So, before hiring a bankruptcy lawyer in Miami, you better do some research.
Tips for choosing Miami bankruptcy attorneys: >
Do not delay: Hiring a lawyer is difficult because it is preceded by an acceptance of your financial reality. But, any delay in hiring the right lawyers could rob you of precious time that would otherwise go into the preparation of your case.
Seek expert counsel: Bankruptcy law is a specialty. However, you could always ask for references of established bankruptcy lawyers from your personal attorney.
Find out what it is: You need to understand what is going on. Take a day off and observe proceedings in the bankruptcy court. You could even get references of good miami bankruptcy lawyers at the court.
Research: Before you hire an attorney, find out more about them. Visit their website and their office in town. Assess whether the attorney is organized by visiting their office. A disorganized attorney and a badly managed attorney's office should ring warning bells.
Personal interview: The attorney you choose is going to have a lot of impact on your life. You therefore have every right to ask them pertinent questions. You might want to know more about their certification, experience, areas of specialization and so on. You will also need to enquire whether your case will be handled by the attorney or by a junior and whether you will be given access to the attorney during the course of your case. Sometimes you may have to interview more than one attorney. Evaluate answers carefully and assess your own comfort and confidence level with the attorney.
Fee: Do not shy away from asking about the fee. While you should not hire the cheapest lawyer you can find, you must also not go for the most expensive. You want someone who can do a good job representing you. Also, find out more about the specific fee structure. Some cases are more complicated and you may need to call experts and so on.
Be involved: Once you hire a bankruptcy lawyer in Miami, do not think that all the hard work is over. You must stay involved in the process. Double check filings and keep a tab on developments. By doing so, you will keep the lawyer on their toes.
Times are tough. Tough times sometime call for tough measures. But when you are going through testing times, it is important to obtain the best help you can afford so that you can maximize your chances of success.
Find reliable and trustworthy, somekeyword who fights for your rights and help you to liquidate your assets. For more information on somekeyword, Visit Miamibankruptcylawyer.com.
Tips for choosing Miami bankruptcy attorneys: >
Do not delay: Hiring a lawyer is difficult because it is preceded by an acceptance of your financial reality. But, any delay in hiring the right lawyers could rob you of precious time that would otherwise go into the preparation of your case.
Seek expert counsel: Bankruptcy law is a specialty. However, you could always ask for references of established bankruptcy lawyers from your personal attorney.
Find out what it is: You need to understand what is going on. Take a day off and observe proceedings in the bankruptcy court. You could even get references of good miami bankruptcy lawyers at the court.
Research: Before you hire an attorney, find out more about them. Visit their website and their office in town. Assess whether the attorney is organized by visiting their office. A disorganized attorney and a badly managed attorney's office should ring warning bells.
Personal interview: The attorney you choose is going to have a lot of impact on your life. You therefore have every right to ask them pertinent questions. You might want to know more about their certification, experience, areas of specialization and so on. You will also need to enquire whether your case will be handled by the attorney or by a junior and whether you will be given access to the attorney during the course of your case. Sometimes you may have to interview more than one attorney. Evaluate answers carefully and assess your own comfort and confidence level with the attorney.
Fee: Do not shy away from asking about the fee. While you should not hire the cheapest lawyer you can find, you must also not go for the most expensive. You want someone who can do a good job representing you. Also, find out more about the specific fee structure. Some cases are more complicated and you may need to call experts and so on.
Be involved: Once you hire a bankruptcy lawyer in Miami, do not think that all the hard work is over. You must stay involved in the process. Double check filings and keep a tab on developments. By doing so, you will keep the lawyer on their toes.
Times are tough. Tough times sometime call for tough measures. But when you are going through testing times, it is important to obtain the best help you can afford so that you can maximize your chances of success.
Find reliable and trustworthy, somekeyword who fights for your rights and help you to liquidate your assets. For more information on somekeyword, Visit Miamibankruptcylawyer.com.
Sunday, March 18, 2012
Some good points of hiring a bankruptcy lawyer Miami
A well -trained and experience bankruptcy lawyer Miami is the only person who can save you in this difficult situation.
A person who faces the situation of bankrupt becomes fully helpless and alone. The only person who can help him/her in such situation is a bankruptcy lawyer. Same way in you are in Miami and got trapped in the problem of being bankrupt then the only way you can think about coming out from this deadly situation is with the help of a well-known and reputed bankruptcy lawyer Miami.
Advantages
Bankruptcy lawyer Miami can actually assist with a lot of you know and some of things you don't. For instance, creditors are familiar with the rules and regulations as they help them. If you're thinking to judge things yourself with no hiring of a lawyer, you're a objective for annoyance. Usually creditors will be lying and using scare strategy to formulate you to pay. A capable lawyer will have a good knowledge about the laws during such situations and will surely secure your rights.
Begin with another attorney
Even though you might know an attorney, but it may happen that they may not be specialized as a bankruptcy attorney. In such situation, you can ask them about bankruptcy attorney and hire one that is well-known for good work.
Do a slight more digging
You'll be using internet, phonebook and many such things to get a list about almost all ways to get the complete list of best bankruptcy lawyer Miami. However, always choose a lawyer after reading the testimonials or reviews of people who have previously worked with him/her. Always discuss about the fees before, because sometimes lawyer ask for very high fees that is difficult to be arranged.
In case you are in a very bad circumstances and facing too many debts then it is wise to hire the most appropriate lawyer. This is because you need to discuss about almost all financial situations with the person whom you select as your lawyer. If the person doesn't appear to be trustworthy then it may lead to future problems after discussing personal financial issues. So, if you don't feel comfortable with a bankruptcy lawyer Miami leave him/her and search for someone else.
The author is one of the best authors writing on somekeyword these days. If you are looking for some high quality and valuable information on somekeyword , you will find the finest information provided by this author. Once you start reading his articles, you will find the real difference and uniqueness of the articles.
A person who faces the situation of bankrupt becomes fully helpless and alone. The only person who can help him/her in such situation is a bankruptcy lawyer. Same way in you are in Miami and got trapped in the problem of being bankrupt then the only way you can think about coming out from this deadly situation is with the help of a well-known and reputed bankruptcy lawyer Miami.
Advantages
Bankruptcy lawyer Miami can actually assist with a lot of you know and some of things you don't. For instance, creditors are familiar with the rules and regulations as they help them. If you're thinking to judge things yourself with no hiring of a lawyer, you're a objective for annoyance. Usually creditors will be lying and using scare strategy to formulate you to pay. A capable lawyer will have a good knowledge about the laws during such situations and will surely secure your rights.
Begin with another attorney
Even though you might know an attorney, but it may happen that they may not be specialized as a bankruptcy attorney. In such situation, you can ask them about bankruptcy attorney and hire one that is well-known for good work.
Do a slight more digging
You'll be using internet, phonebook and many such things to get a list about almost all ways to get the complete list of best bankruptcy lawyer Miami. However, always choose a lawyer after reading the testimonials or reviews of people who have previously worked with him/her. Always discuss about the fees before, because sometimes lawyer ask for very high fees that is difficult to be arranged.
In case you are in a very bad circumstances and facing too many debts then it is wise to hire the most appropriate lawyer. This is because you need to discuss about almost all financial situations with the person whom you select as your lawyer. If the person doesn't appear to be trustworthy then it may lead to future problems after discussing personal financial issues. So, if you don't feel comfortable with a bankruptcy lawyer Miami leave him/her and search for someone else.
The author is one of the best authors writing on somekeyword these days. If you are looking for some high quality and valuable information on somekeyword , you will find the finest information provided by this author. Once you start reading his articles, you will find the real difference and uniqueness of the articles.
Lil Wayne in Big IRS Financial debt
Lil Wayne is in the news for one thing other than his audio and perspective this time. In the previous, he has been well-known to get into skirmishes since of his excessive mindset.
Tax Lien Woesoes
This time although, The Detroit news provides the scoop on Lil Wayne and his not so small financial debt. It seems to be like Lil Wayne will have to phone in the bankruptcy lawyers shortly. He has gotten into really a sizeable amount of financial debt with the IRS. It seems he superior commence to fear and get started cutting up individuals credit score cards considering he only has one particular entity appropriate now that desires to be sending revenue too.
somekeyword may very well be essential faster rather than later as the IRS has now filed a tax lien in opposition to Lil Wayne. The complete sum filed with the Miami-Dade County Clerk is a amazing $5,610,034.00! This is the whopping quantity that Lil Wayne owes to the IRS is back taxes dated way back to 2008 and 2009. Even in an age when People in america are taxed also a lot, this is Lil Wayne's fault.
A Widespread Solace
Quite a few times, people who are caught behind payments and in tax liens, somekeyword are the only way out. They do not have the sources that are required to spend off the tax lien and end up dropping every thing that they have as very well.
Slight Progress
Lil Wayne has been reportedly hoping to ward away the somekeyword and has even managed to pay $1.13 million of the tax lien late last yr. He is nevertheless to comment on the debilitating status of his accounts and tax circumstance.
Recovery is a Risk
Lil Wayne will demand to distinct these accounts as quickly as conceivable if he would like to manage his standing pertaining to his finances.
Digital Age Marketing Group, Inc. is a full service internet marketing firm that prides itself on unparalleled service and performance. We are committed to providing unbiased internet marketing advice and prudent strategies for growing your business. Our services are always tailored to your unique needs. We provide SEO optimization, sales lead generation, and Google local business center ad placement. Digital Age Marketing Group's search engine visibility is geared towards driving potential clients to your website. Our unique geographical marketing approach enables us to reach millions of business consumers in record time, with a high sale-to-contact ratio. Our reward is satisfied clients!
Tax Lien Woesoes
This time although, The Detroit news provides the scoop on Lil Wayne and his not so small financial debt. It seems to be like Lil Wayne will have to phone in the bankruptcy lawyers shortly. He has gotten into really a sizeable amount of financial debt with the IRS. It seems he superior commence to fear and get started cutting up individuals credit score cards considering he only has one particular entity appropriate now that desires to be sending revenue too.
somekeyword may very well be essential faster rather than later as the IRS has now filed a tax lien in opposition to Lil Wayne. The complete sum filed with the Miami-Dade County Clerk is a amazing $5,610,034.00! This is the whopping quantity that Lil Wayne owes to the IRS is back taxes dated way back to 2008 and 2009. Even in an age when People in america are taxed also a lot, this is Lil Wayne's fault.
A Widespread Solace
Quite a few times, people who are caught behind payments and in tax liens, somekeyword are the only way out. They do not have the sources that are required to spend off the tax lien and end up dropping every thing that they have as very well.
Slight Progress
Lil Wayne has been reportedly hoping to ward away the somekeyword and has even managed to pay $1.13 million of the tax lien late last yr. He is nevertheless to comment on the debilitating status of his accounts and tax circumstance.
Recovery is a Risk
Lil Wayne will demand to distinct these accounts as quickly as conceivable if he would like to manage his standing pertaining to his finances.
Digital Age Marketing Group, Inc. is a full service internet marketing firm that prides itself on unparalleled service and performance. We are committed to providing unbiased internet marketing advice and prudent strategies for growing your business. Our services are always tailored to your unique needs. We provide SEO optimization, sales lead generation, and Google local business center ad placement. Digital Age Marketing Group's search engine visibility is geared towards driving potential clients to your website. Our unique geographical marketing approach enables us to reach millions of business consumers in record time, with a high sale-to-contact ratio. Our reward is satisfied clients!
Saturday, March 17, 2012
Good Foreclosure Attorneys in Miami Are The Possibility for Victory
Good Foreclosure Attorneys in Miami Are The Possibility for Victory
As outlined by several studies, the quantity of bankruptcy filings has seen a remarkable raise within the last one year. Nevertheless, creditors likewise are becoming more aggressive in going after their financial loans with a number of trying to push foreclosures rather then discovering loan modification possibilities. Fortunately, active law regulations do allow borrowers to avert real estate foreclosure proceedings. Nonetheless, homeowners of Miami want the expert services of a good somekeyword in Miami to help them through the procedures. Before you seek bankruptcy relief in the Miami individual bankruptcy courtroom, it is necessary to know what a decent personal bankruptcy attorney is able to do for you. The foreclosure lawyers may help you: 1. Evaluate whether filing for bankruptcy is a good decision for you 2. Ensure that your case is carried out in keeping with the rules of the state 3. Come with you to appointments with collector, if any 4. Stand for you in the Miami bankruptcy court. And so, do you know the requirements you must look for in the somekeyword? Educational qualification: Beyond just the certificate from the State Bar, a reputed attorney might also keep certificates from various prestigious organizations like The American Bankruptcy Institute and the National Association of Consumer Bankruptcy Attorneys. Just by picking a really skilled law firm, you will be certain of selecting a lawyer that's current with all the current modifications which can be going on in individual bankruptcy legal guidelines. Experience: Individual bankruptcy law is actually a specialty. Consequently, it is very important hire a Miami property foreclosures lawyer who has got past experiences in personal bankruptcy cases. Workload: With the grow in personal bankruptcy cases, a large number of individual bankruptcy lawyers are overloaded with huge volumes of work. It is important to hire an attorney who has the required spare time to manage your own case. Only then will the lawyer notice data of your case. As well as the above, consider if the foreclosure attorney is assigning the case to a paralegal. If you're working with a law firm, it is very important to assess the reputation of the firm before you hire. Appointment: Private interview is actually a must when choosing an attorney. To begin with, you should assess the attorney firsthand. You will need a attorney that inspires trust in you. Likewise, you should discover all you are able to about the lawyer in addition to his or her practice. You might ask the lawyer for data about the types of cases they undertake, the quantity of cases they have won and even what their ordinary workload is and so forth. Miami Foreclosure lawyer costs: Mention expenses prior to hire. All cases are not identical. A number of cases are certainly more difficult and need to have advices from various other professionals. As a result, make sure you determine all of the terms in regard to Miami foreclosure attorney rates before you use a lawyer for filing for individual bankruptcy. Seeking out for a fine bankruptcy attorney in Miami involves some amount of efforts on your part. However, thinking about the significant influence they can have on your own living, not to say finances, the hard work will be worth it.
As outlined by several studies, the quantity of bankruptcy filings has seen a remarkable raise within the last one year. Nevertheless, creditors likewise are becoming more aggressive in going after their financial loans with a number of trying to push foreclosures rather then discovering loan modification possibilities. Fortunately, active law regulations do allow borrowers to avert real estate foreclosure proceedings. Nonetheless, homeowners of Miami want the expert services of a good somekeyword in Miami to help them through the procedures. Before you seek bankruptcy relief in the Miami individual bankruptcy courtroom, it is necessary to know what a decent personal bankruptcy attorney is able to do for you. The foreclosure lawyers may help you: 1. Evaluate whether filing for bankruptcy is a good decision for you 2. Ensure that your case is carried out in keeping with the rules of the state 3. Come with you to appointments with collector, if any 4. Stand for you in the Miami bankruptcy court. And so, do you know the requirements you must look for in the somekeyword? Educational qualification: Beyond just the certificate from the State Bar, a reputed attorney might also keep certificates from various prestigious organizations like The American Bankruptcy Institute and the National Association of Consumer Bankruptcy Attorneys. Just by picking a really skilled law firm, you will be certain of selecting a lawyer that's current with all the current modifications which can be going on in individual bankruptcy legal guidelines. Experience: Individual bankruptcy law is actually a specialty. Consequently, it is very important hire a Miami property foreclosures lawyer who has got past experiences in personal bankruptcy cases. Workload: With the grow in personal bankruptcy cases, a large number of individual bankruptcy lawyers are overloaded with huge volumes of work. It is important to hire an attorney who has the required spare time to manage your own case. Only then will the lawyer notice data of your case. As well as the above, consider if the foreclosure attorney is assigning the case to a paralegal. If you're working with a law firm, it is very important to assess the reputation of the firm before you hire. Appointment: Private interview is actually a must when choosing an attorney. To begin with, you should assess the attorney firsthand. You will need a attorney that inspires trust in you. Likewise, you should discover all you are able to about the lawyer in addition to his or her practice. You might ask the lawyer for data about the types of cases they undertake, the quantity of cases they have won and even what their ordinary workload is and so forth. Miami Foreclosure lawyer costs: Mention expenses prior to hire. All cases are not identical. A number of cases are certainly more difficult and need to have advices from various other professionals. As a result, make sure you determine all of the terms in regard to Miami foreclosure attorney rates before you use a lawyer for filing for individual bankruptcy. Seeking out for a fine bankruptcy attorney in Miami involves some amount of efforts on your part. However, thinking about the significant influence they can have on your own living, not to say finances, the hard work will be worth it.
Filing For Personal Bankruptcy In Florida Important Tips
If you are unable to pay off large personal debts, then, filing for bankruptcy is the only decent way to deal with your debts. Even large businesses have utilized the protection provided by this. By filing for bankruptcy, you can avoid foreclosure, get protection from creditors, rebuild your credit and even start life afresh.
Bankruptcy cases in Florida are filed in one of three districts of of which is Miami. Due to the large number of bankruptcy cases and the complicated nature of many cases, a new bankruptcy law was introduced in 2005. Unfortunately, the new law is quite ambiguous in parts and is subject to diverse interpretations. New rules have been introduced for filing bankruptcy and there is a lot of additional work to be put in both by debtors and attorneys. Thus, there is some amount of risk and uncertainty regarding the new rules. A reputed bankruptcy lawyer in Florida can help you maneuver the legal processes involved. .
A good bankruptcy attorney can help you figure out the easiest route to financial independence. For instance, Chapter 7 bankruptcy can help debtors discharge their debts and restore their finances. Chapter 13 bankruptcy is for those who want to pay off their debts in 3-5 years. Most debtors are unaware of these provisions and their differences.
To help debtors achieve financial freedom, the bankruptcy lawyer in Florida starts off by filing for the bankruptcy petition and representing their client's case appropriately in court. For that, they will have to be privy to all details pertaining to the client's financial situation. After a thorough evaluation of the client's financial situation, the Florida bankruptcy attorney will identify those assets that needed to be included in the petition.
In the process of filing for bankruptcy, the personal bankruptcy attorney in Florida will also explain in detail about the debts that will be discharged as the result of filing for bankruptcy and identify those debts that will have to be repaid. Certain assets will be exempted and the reputed attorney will be able to claim them.
Thus, a capable personal bankruptcy attorney in Florida can help you handle the financial problems before you.
People of Florida, like residents in the rest of the country, continue to grapple with financial hardships as job losses still dwarf the number of jobs created and unemployment rates climb up steadily. In fact, in many states, bankruptcy cases are up by 50% or more in the last quarter. So, if you have defaulted on your loan payment and do not know how to repay the rest of your loan, then, you need to hire the services of an expert bankruptcy lawyer in Florida. This is one battle you don't want to fight on your own!
Visit , Before you file for somekeyword, it's imperative you obtain accurate, up-to-date information, preferably from an attorney, with good legal advice.
Bankruptcy cases in Florida are filed in one of three districts of of which is Miami. Due to the large number of bankruptcy cases and the complicated nature of many cases, a new bankruptcy law was introduced in 2005. Unfortunately, the new law is quite ambiguous in parts and is subject to diverse interpretations. New rules have been introduced for filing bankruptcy and there is a lot of additional work to be put in both by debtors and attorneys. Thus, there is some amount of risk and uncertainty regarding the new rules. A reputed bankruptcy lawyer in Florida can help you maneuver the legal processes involved. .
A good bankruptcy attorney can help you figure out the easiest route to financial independence. For instance, Chapter 7 bankruptcy can help debtors discharge their debts and restore their finances. Chapter 13 bankruptcy is for those who want to pay off their debts in 3-5 years. Most debtors are unaware of these provisions and their differences.
To help debtors achieve financial freedom, the bankruptcy lawyer in Florida starts off by filing for the bankruptcy petition and representing their client's case appropriately in court. For that, they will have to be privy to all details pertaining to the client's financial situation. After a thorough evaluation of the client's financial situation, the Florida bankruptcy attorney will identify those assets that needed to be included in the petition.
In the process of filing for bankruptcy, the personal bankruptcy attorney in Florida will also explain in detail about the debts that will be discharged as the result of filing for bankruptcy and identify those debts that will have to be repaid. Certain assets will be exempted and the reputed attorney will be able to claim them.
Thus, a capable personal bankruptcy attorney in Florida can help you handle the financial problems before you.
People of Florida, like residents in the rest of the country, continue to grapple with financial hardships as job losses still dwarf the number of jobs created and unemployment rates climb up steadily. In fact, in many states, bankruptcy cases are up by 50% or more in the last quarter. So, if you have defaulted on your loan payment and do not know how to repay the rest of your loan, then, you need to hire the services of an expert bankruptcy lawyer in Florida. This is one battle you don't want to fight on your own!
Visit , Before you file for somekeyword, it's imperative you obtain accurate, up-to-date information, preferably from an attorney, with good legal advice.
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