By Robin Leonard
Feeling crushed by way of your bills? if you are able to regain your monetary freedom, this ebook is strictly what you wish! step-by-step, legal professional Robin Leonard exhibits you the way to: *prioritize money owed *create the cheap *negotiate with collectors *stop collector harassment *challenge salary attachments *contend with repossessions *respond to creditor complaints *qualify for a personal loan *rebuild credits To make the method more straightforward, cash problems additionally comprises pattern letters to collectors, in addition to worksheets and charts to calculate your accounts and expenditures and assist you create a reimbursement plan. With the thoroughly up-to-date and revised ninth version, the way to care for id robbery, decide on a opposite personal loan, decide out of telemarketers' lists and safeguard your home from collectors who're gathering a debt.
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Extra resources for Money Troubles: Legal Strategies to Cope With Your Debts
Many manufacturers or sellers give guarantees with their products, not warranties. If you receive a written (or oral) guarantee, it is the same thing as a warranty. The seller or manufacturer doesn’t have to use the word “warranty” for you to get the protection. 1. ” • Implied warranty of merchantability is an assurance by the seller that the item will work if you use it for a reasonably expected purpose. For example, if you buy a refrigerator and your food spoils because the refrigerator won’t go below 55 degrees—a refrigerator should be about 45 degrees—you can safely assume there’s a violation of the implied warranty of merchantability.
Or an express warranty may be oral. Oral express warranties are hard to prove because they pit your word against the seller’s. If the seller describes a feature about a product you are considering buying that makes your eyes light up, but the feature isn’t in writing anywhere, ask the seller to jot it down. If you purchase an item that comes with a written express warranty, the seller or manufacturer— depending on who issued the warranty—must stand behind the writing. Again, the writing may consist of a sign in the store, an advertisement, the contract you sign or a separate warranty statement.
Unfortunately, hundreds of thousands of vehicles sold each year are lemons. Buyers find themselves in and out of the shop month after month, with problems ranging from annoying engine “pings,” to frequent stalls, to safety hazards, such as poor acceleration or carbon monoxide leaks. Every state has enacted some sort of “lemon law” to help consumers who get stuck with lemons. In most states, you can get help under the lemon law if you meet the following criteria: 1. Your new car must have a “substantial defect” within the shorter of one year or a certain mileage period.
Money Troubles: Legal Strategies to Cope With Your Debts by Robin Leonard