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consumer purchasing strategies and legal protection
every person making the financial decision is a consumer
regardless of page income or hostile to sue asian week all use goods and
services phillipine decisions of all the trade-off between current spending and
saving for the future
first economic social and personal factors affect the lead buying habits
these factors of the base for spending saving investing in achieving personal
financial goals
very simple terms the only way you can have long-term financial security is to
not spend all of your current income
in addition
overspent it leads to misuse of credit and financial difficulties
throughout your life you're buying decisions reflect many influences you
should consider opportunity cost to maximize assess actually obtained from
the oval financial resources
calmly overlooked radars in by included
paying a higher price over time by using credit to buy items that you need now
by unknown possibly poor quality brands unless it's pensive
selecting brands that may be difficult to service for repair
in times of economic and financial difficulty the number of unwise buying
decisions often increases people are tempted to scare saleable
promise they will earnestly money or get out of that fast
on planning terrorist buying will reduce your potential for long-term financial
security
imposed by activities of a few dollars a week and coffee thousands in just a
couple of years
many whites buying strategies are available to avoid poor purchasing
choices
problems include ordering by mail or a line which saves time and money but but
may make it harder to return replace or repair purchases
taking time and effort to comparison shop to save money and obtain better
after table service
you're buying decisions reflect many aspects of your personality life
situation values and goals combine this fact with the complexity of a
marketplace
and you could see that most purchases sessions require analysis
comparison shopping is a process of considering alternatives stores brands
of prices in contrast impulse buy his own client purchasing with which can
result in financial problems
self-rule by techniques are kindly suggested for wise buying
timing purchases
certain items to go on sale at the same time each year
you kept a bargains by buying winter clothing in mid or late winter
or summer clothing
admitted late summer many people say by buying holiday items or other products
at reduced prices in late december an early january
whether ports and others can
also help you plan your purchasing a crop failure can quickly result in
higher prices for certain food products
changing economic conditions and political difficulties around the world
en route may result in higher prices and reduce supplies of certain products
organized of such situations can help you buy when prices are relatively low
your decision to use a particular retailers probably influenced by
location priced product selection and service is available
competition in technology have changed retailing with superstores
expressly shots an online by
this expanded shopping environment provides consumers with greater choice
potentially lower prices and they need to carefully consider buying
alternatives
one alternatives is a cooperative in opera a nonprofit organizations whose
member owners save money in certain
products or services
accredited as an example of a financial service called cooperative
for choir
phone kore operatives
usually base in a community group or church by grocery items a large
quantities
savings are these bulk purchases are present in the courtroom risen form of
lower food prices
cooperates have also been organize revive less-expensive childcare
recreational equipment healthcare cable television and burial services
food and other products common various brands national bread products are
highly advertised items available in many stores
you're probably familiar with brands which is green giant nabisco del moor
piling on gap
brand-name products are usually more expensive than i am brendon
but they offer consistency of quality for which people are willing to pay
store brand or private label
products sold by one chain of stores
are low-cost alternatives to famous name products
products have labels identify them with a specific
retail chain such as our score walgreens
cyst or products are frequently fracture bussing companies that produce brendan
counterparts
is lower cost
alternatives allow consumers to save money
private label or store brands can result in extensive savings over time
certainly both relations helpful however other for mation is nothing more than
advertising federal law requires that food labels contain information
product labeling for appliances include information on operating costs
assistance like in the most energy-efficient models
open dating describes a freshness of shelf life of a personal product
phrases such as yours before may two thousand ten or not to be
sold after
appear on most grocery items
unit pricing is a standard unit of measurement to compare prices of
packages of different sizes
to calculate the lists price divide the price for the number of units
measurement
such as houses pounds johnson overseas
for items such as paper towels and fit
facial tissues
then compare the unit for various sizes brands and stores
compulsory creates all sort of i'd better pricing for wise consumers
a family stays about eight dollars weaken their groceries brazen coupons
will save
four hundred sixteen dollars a year
and two thousand dollar two thousand eighty dollars for five years not even
funny interest
a rebate is a partial refund of the price of product
when comparing prices remember that
store convenience
location our sales staff usually
mean higher price
break his products
have higher prices
large packages are usually
the best buy however compare
using unit pricing
sailing that always means saving money
one conduct online research compare branson features use label warning
infirm
warranty information
his product testing reports to assess quality safety nutrition
to compare stores
considerable stores and online
evaluate price service product
quality warranty shipping costs and time return policy
determine reputation location
make the purchase
you secure buying website sick discounts coupons
*** method
based on security fees and other factors
for plant for the future purple
purchases
keep receipts other documents no return complaint process
watching girls for special offers of a wait time and effort involved
flickr group block
most products come with some
guarantee of quality a warranty is a written guarantee from the manufacturer
or distributor that specifies a commissions and i was surprised can be
returned replaced or repaired
and express warranty usually in written form is created by the seller or
manufacturing has two forms fourteen limited warranty
forty states that a defective product researcher place during a reasonable but
amount of time
limited warranty covers only certain aspects of the products which is part of
a requires a buyer to incur parts of
the part of the cost for shipping repairs
implied warranty covers of products intended use or other basic understands
that are not in writing
for example
implied warranty of title indicates that the seller has a right to sell the
product implied warranty of merchantability
guarantees of the product is good for that
ordinary uses for it is intended
a toaster moscow's bread
and happy three player must play music
implied warranties vary from state to state
the federal trade commission f_t_c_ requires businesses that sell used cars
to place a buyer's guide sticker in windows of cars for sale
disclosure was they whether the car comes with the warranty and if so what
protection dealer will provide
if no warranty is off of the car sold as is
and dealers who was no responsibility for any repairs of regardless of any or
all claims
about one-half of all these calls
cars sold by dealers come without a warranty
and if you buy such a car you must pay for any repairs needed to correct
problems
be sure to get it writing any promises made by the salesperson
buyer's guide required by the f_t_c_ encourages you to have the used car
inspected by a mechanic
had to get all promises in writing
you also receives receiver less of the forty major systems of an automobile
and some of the major problems that may occur in the system's less can be
helpful comparative vehicles and warranties
offer by different dealers
f_t_c_'s is
car regulations
f_t_c_'s car regulations do not apply to vehicles purchased from private donors
well like yes car may have an express warranty most states have implied
warranties of protecting secrets of the used car buyer
because implied warranty of the merchantability means of product is
guaranteed to do it is supposed to do
yes cars guaranteed to run for at least a while
new car warranties provide buyers with the serbs of quality
work is very time i was in parts they cover make additions of a new car
warranty are coverage of basic parts against the fax
powertrain coverage for the engine transmission drivetrain
the corrosion warranty which usually applies two holes due to ross not to
surface rust
other important conditions of warranty our statement regarding
whether the warranties transferable to others
on the car and details about the charges
if any that we made from asia repairs in the form of a deductible
a service contract is an agreement between business and a consumer to cover
the repair cost of a product
frequently called extended warranties they're not warranties
for a fee to ensure the buyer against losses due to the cost of certain
repairs
built service contracts
can cover president including management factory warranty
service contracts range from four hundred to over a thousand however the
big not always include everything you expect
these countries usually cover fell you know the engine cooling system
however some contracts exclude calm coverage of such failures of caused by
overhearing
because across exclusion service contracts may not be a wise financial
decision you can minimize your concern about the size of repairs by setting
aside a fund of money you to pay for them then if you need repairs and money
to pay for them will be available
shopping decision should be based on specific time decision making process
first
define your knees and obtain relevant product information
these activities are the foundation for buying decisions to help you achieve
your goals
affected decisionmaking should start with an open mind some people always by
the same brand
about other brand of the lower price and also serve their needs
or another brand of the same price may provide better quality
a narrow view of the problem is a weakness in prague
problem identification you may think the problem is that i need to have a car
when the real problem is i need transportation
information is power
the better report you are
the better buying decisions you make
some people spent little time gathering of valuing buying information
at the other extreme are people who spend much time obtaining compete
consumer information automation is necessary for wise purchasing
too much information in create confusion and frustration
coming information sources include
personal contacts allow you to learn about product performance print quality
prices from others
business organizations are for advertising product labels impacting
them provide information about
price quality and availability
media information television radio newspapers magazines web sites to
provide valuable purchasing advice
independent testing organizations provide information about the quality
products and services as consumer unions due to each month the consumer reports
underwriters laboratories ul
test products for electrical fire safety
i was with the ul symbol right consumers with insurance of the product is has met
safety standards
government agencies local state and federal provide publications toll-free
telephone numbers websites a community programs
online sources offer extensive information and shopping suggestions
space informational carbine can be obtained and starcom car driver dot com
consumers union
consumer reports that word offers a computerized karte
cost data service finally car buying services
basie s corp dot com
allow you to order your vehicle online
so one pre shopping activities problem identification information gathering to
evaluate alternatives selecting vehicle options
comparing use vehicles leasing a vehicle
determi purchase price used-car
price negotiations price bargaining for new cars
comparing financing alternatives
and four
post purchase activities
automobile operation cost motor vehicle maintenance
well information is necessary for wise purchasing coming
too much information you can can create confusion and frustration
coming to fruition sources include
personal contacts quite a lot of all product performance print quality in
prices from others
business organizations offer advertising product labels in packaging that provide
information about price quality and availability
media information television radio newspapers magazines websites can revive
valuable purchasing advice
independent testing organizations
second faces evaluating alternatives most person decisions have several
acceptable alternative
ask yourself is it
possible to delay the purchase or to do without the item should i pay for the
item with cash or by loan credit
which branch should i consider how to the price quality and service compare
different stores
is it possible to rent
the item instead of buying it concerning social turner's will result in more
effective purchasing decisions
richard research shows a price can vary for all types of products
for a camera prices range from under a hundred dollars to well over five
hundred dollars
price of aspirin may range from less than a dollar
to over three dollars for
one-hundredth
five grain tablets
what differences in quality and attributes may exist among the cameras
the aspirin arquivo in quantity and quality
many people the comparison shopping is a waste of time
while this may be true in some situations comparison shopping can be
beneficial when buying expensive or complex items
buying items that you purchase often
comparison shopping or
complex items buying items like you purchase often
different sellers
offer different prices and services
product quality or prices vary greatly
optional equipment for cars will be viewed in three categories
mechanical devices to improve performance which is a larger engine the
transmission power steering power brakes and cruise control
convenience options including power seats air-conditioned stereo systems
power locks
we're one of the foreigners
antenna glass
aesthetic features that had to vehicles visual appeal such as intel paying
special trimmed and upholstery
average used-car cost about ten thousand dollars less than average newcomer
con sources on his vehicles include
new car dealers offer late model vehicles and get your warranty which
usually means higher prices and other sources
used-car dealers easily have older vehicles
warranties of offered will be limited however low prices may be available
individuals selling their own cars
because maybe a book the bargain of the vehicle as well maintained
few consumer protection regulations apply to private part
party sales cautions suggestion
auctions of dealers automobiles previously owned by businesses auto
rental companies pay
government agencies
his car
superstores such as carmax offering large inventory of previously owned
vehicles
align autotrader dot com
certified pre owned sepia or vehicles
are nearly new cars that come with the original manufacturer's guarantee
equality
rigorous inspection repair process means a higher price and other used vehicles
c_b_o_ programs are initially created to create demand for the many low mileage
vehicles returned at the end of the lease
appearance of a used-car may be deceptive
it won again and she may be inside a body
with rust
a clean shine exterior may conceal major operational problems
therefore conduct they his car inspections outlined
exhibit before
have a train that trust account of your choice checked the car decimate the casa
potential repairs
this service will help you avoid surprises
leasing is a contractual agreement with monthly payments for the use of an
automobile or a separate typically three
for five years
at the end of the lease terms because usually return to the leasing company
many advantages of leasing include only a small cash powerful may be required
for the security deposit whereas by a truck or a large down payment
monthly lease payments are usually lower than the monthly financing payments
agreement provides detailed records for business purposes
and you are usually able to obtain a more expensive vehicle more often
drawbacks of leasing included
no ownership interest in the vehicle
and need to be requirements similar to
qualifying for credit
and possible additional costs incurred for extra mileage certain repairs
turning a cart in early
or even more
and move to another state
kuwait leasing arrangement dealers to sell the vehicles or financing company
as a result
be sure you know that you costs including
capitalize costs which is the price of the vehicle
average car buyer pays about ninety two percent list price for a vehicle the
average leasing arrangement has a capitalize cost of ninety six percent of
the list price
money factor which is the interest rate being paid on the capitalized cost
monthly payment a number of payments
residual value which is expected value of the vehicle at the end of the police
after the final payment you may choose to return to or sell the vehicle if the
credit market value is greater than the residual value meat you may be able to
sell for profit
if the residual value is greater than the market value which is a typical case
returning the vehicle to the leasing company is usually the best direction
once you've done your research evaluations other activities and
decisions will be necessary
such as real estate or automobiles made purchase using price negotiation
ego she asian may also be used and other by situations to obtain a lower price or
additional features
to vital factors in negotiation are
having all the necessary necessary information about the product in buying
situation and
dealing with the person who has the authority to give you a lower price or
additional features
such as the owner or store manager
they can determine a fair price by checking newspaper ads for the prices of
comparable vehicles other source of great used-car prices are evans used-car
prices admins
and the kelly blue book
a number of factors influence a basic price of a used-car including number of
miles the car has been driven and the cars features an options
hello bios kar will have a higher price than comparable car with height mileage
condition of the vehicle demand for the model also affect
price
an important new car price information sources the sticker price which is a
suggested retail price print on the label affixed to the vehicle
let workers as the base price of a car with cost added features dealers cause
or advice
prices are not lessen the sticker price
difference between the sticker price and the dealers causes arrange available for
negotiation
ranges larger for full-size luxury called
with more options subcompact usually do not have a wide negotiation range
information about the other cost is available from sources such as admits
that condoms new car prices
a consumer reports
separate steelers use no haggling car selling
with prices presented to be acceptable or rejected as stated car buying
services
our businesses that help us obtain a specific new car at a reasonable price
also referred to as an auto broker these businesses offer desired miles of
options with prices ranging between fifty and two hundred dollars over the
deal is cost
for c_ r_ o_ broker charge small fee for price information undesired models
that have to decide to buy a car
the auto brokerages encourages west a dealer near your home
to prevent confusion and determine the true price of a new car
do not mention trade-in vehicle and to the cost of new congressmen settle
then ask i want to do is willing to pay you for your old car if the offer price
not acceptable subfield car on your own
typical negotiating conversation buying a car michael like this
i'm willing to give you fifteen thousand six hundred for the car
as much apart for
all sales person
let me check with my manager
after turning
my manager says sixteen a
doesn't it but it is the best we can do
customer
who should be willing to walk out at this point
i can go to fifteen thousand six hundred fifteen
ourselves person
without the call you all too ready to go how what's fifteen thousand seven
hundred
if the customer agrees and the other has got a hundred are more than customers
top awful
other questionable sales techniques use in the past
low balling
when quoted a very low price increases when add-on costs are included in the
last moment
hyborian
when offered a very high amount for trade-in vehicle with the extra mile
made up by increasing in the new car price
how much can you afford per month
be sure to ask how many months
a small deposit will hold is still call for you
never leave the deposit unless you're ready to come
by a vehicle or willing to lose them out
your price is only a hundred dollars above our cost
however many hidden costs may have
then added to get in the dealers cost
beware of cells agreements with
printed amounts
cross our numbers you believe or not appropriate for your purchase
you make that cash
however most people buy cars and credit
uh... loans are available from banks credit unions consumer finance companies
and other
financial institutions
many letters bold
pre-approved you for a certain lone about
which separates financing from negotiating a price for the car
until a new car prices that you should not indicate that you intend to use the
dealers credit plan
lowest interest rate or the lowest
does not necessarily mean the best credit plant also considerable only
otherwise after two or three years the value of the car maybe lessen the amount
you still all this situation is
referred to an upside down or negative equity
if u defaulting your loan or sell the car at this time
you'll have to pay the difference
larger downpayment to reduce the risk
auto auto manufacturers freight really offer opportunities for low-cost
financing
may offer rebates at the same time given buyers choice between buchanan
low-interest loans
carefully compare financing address financial institutions in rebate
everyday
special rebates
are sometimes referred
offered to students teachers credit union members will state
agents and other groups
annual percentage rate eight p_r_
is the best indicator that sure cost of credit
the federal truth in lending wall requires a p_r_ be clearly stated in
advertising other communications
low payments may seem to be a good deal
they mean you'll be paying longer and you
total financial interest will be higher
considerable a p_r_ the finance charge when comparing credit terms of different
letters
additional auto financing information may be obtained at bankrate dot com
and car finance dot com
maintenance in ownership costs associated with most purchases
practice can result in improved performance and fewer repairs
when you need repairs not covered by a warranty follow a pattern similar to the
use of making the original purchase investigate evaluate negotiated variety
of servicing options
in the past with majority
the big problems occurred with a new car and the working to solve the difficulty
many consumers lacked the course of action
as a result all fifty states and the district of columbia enacted lemon laws
that require refund for the vehicle after older has made repeated attempts
to obtain servicing
laws apply when four times are and made to get the same
these laws apply one four times are made to get the same problem corrected
or when the vehicle has been out of service for more than thirty days within
twelve months
of purchase of the first twelve thousand miles the terms of the state laws vary
got a level of america dot com
over your lifetime you can expect to spend more than two hundred thousand
dollars an automobile related expenses
driving cosmo
thirty days and two main factors size of your automobile a number of miles you
drive
these cost involved two categories
fax ownership costs which include depreciation interest on the part alone
insurance license registration taxes and fees
and variable operating costs
gas and oil tires
made is the repairs
parking tolls
largest fits expense associate with a new automobile is depreciation
what's the vehicle value due to time in use
just money is not paid out for depreciation
many people do not consider it an expense
this decrease value is a cost
then for the owners occur
well-maintained vehicles in certain high quality expensive miles which is bmw
lexus
depreciate a lower right
a slower rate
cost such as gasoline oil on tires increase with a number of miles driven
planning expenses is easier if the number of miles you drive is fairly
constant
unexpected church in vehicle age will increase its costs
awareness of the total cost of owning and operating on a mobile can help save
your overall financial planning
autopay expense records should include the dates of odometer readings
recorded mileage each time you buy gas will allow you to compute
fuel efficiency
for tax deductible traveled the i_r_s_ require specific information on my legs
locations dates and purposes of trips
use a notebook to keep records of regular opera expenses such as gas grill
parking and tolls
also consider keeping files on maintenance repair and replacement
part costs
finally keep a record of infrequent expenditures such as insurance payments
and license and registration fees
people who sell repairer dr auto bills for a living stress the importance of
regular care
well owners manuals
an article suggest my leisure time intervals for certain servicing
more frequent well changes or channels can minimize made repairs maximize
vehicle life
the various businesses that offer auto bill maynes repair service include
car dealers provider service department with the ride range of car care services
service charge the card dealer maybe higher than those all repair businesses
service issues covered by giving its and reasonable prices
routine maintenance and repairs
noble
full service stations declined in recent years
independent auto repair shops conserves your vehicle and fairly competitive
prices
says the quality of this repair shops can barely talk with previous customers
mass merchandise retailers such as sears at wal-mart
emphasizes silicone batteries as well as break spoil changes into nuts
specialty shops offer brakes tires automatic transmissions of while changes
at a reasonable price
with fast service
get regular oil changes every
three months for three thousand miles
check fluid
brake parts steering transmission
inspect hoses and belts for where
pierre trudeau this mark
buspar plus fuel
filter air filter every twelve fifteen thousand miles
jacket cranberry cables in terminals
check tire pressures regularly
check spark plug wires of two fifty thousand miles
flush radiator in service transmission every twenty five thousand miles
keep lights turn signals important good working condition
check mark fuhrman's off pipes
check cards for where roti tires originally five hundred miles check
condition of the brakes
majority auto mobile servicing sources are faring abst
sometimes will ever consumers waste our lives when they fall prey to the
following tracks
which i cannot whale
attended puts a desperate that's taking part way down and that shows you that
you need a little
attendant cuts offend other punches a hose
watch carefully when someone checks in new york but
gradual play puts allegro you're better than tries to convince you that it's
leaking new new battery
remove a hair from a tire instead of
adding here
can make it
on make an unwary driver opened a buying an entire paying for unneeded patra tire
that is in perfect condition
and puts chris bury shock absorber
or on the ground and then tell you present shuts the dangers in the new
ones
your charge for two gallons data for use with the radiator flush when it will
only one gallon was put in
doing with radical business in a basic knowledge of the automobile in the past
missus for
obtaining disruptive repair practices
baby shaker to get a written detailed estimate advances was indeed to help a
receipt for the service is complete
studies of
consumer problems consistently rank auto repair is one of the top consumer
rip-offs
some people who had problems and minimize costs are working on their own
vehicles
what's consumer play complaints result from defective products low quality
schorr product lives unexpected costs
the sap the pricing and poor repairs
these problems are most commonly associate with the following products
motor vehicle purchases repairs warranties online
purchases magazine subscriptions work at home business opportunities
landlord
talent relations investment scams
telemarketing telephone services computers
health clubs diet programs mortgage for closure fraud holder modeling home
repairs credit card promotions debt collection contests
sweepstakes
forty prizes dry cleaning laundry companies
trouble serves his travel packages en route to own companies
therapists arranges his estimate annual consumer losses from fraudulent
businesses activities of ten two fourteen billion
for telemarketing and mail order
three billion for credit card fraud and credit repair scams
and ten billion for investments windows most people do not anticipate or have
problems with their purchases as problems do arrive
however
it's best to be prepared for them
process for resolving differences between buyers and sellers includes a
stops
presentment eight eight
help insure success we may complain keep a file of receipts names of people you
talked to dates of attempted repairs copies of letters you wrote
and it costs incurred
written documents can help to resolve the problem in your favor i don't know
owner kept detailed records overseas for all gasoline purchases oil changes and
repairs
well weren't you dispute occurred
or israel to prove proper maintenance to receive the refund from the fact of
value
step what local complication return to the place of purchase to higher level
communication
cuts at the company's main office
three third-party involvement
obtain assistance from big consumer agency
step four
litigation
legal action
most consumer complaints a result
at the regional sales locations as most business firms are concerned with their
reputations usually on a legitimate complaints
i did talk with the salesperson consumer
service person or store manager of what young threatening a lawsuit or demanding
unreasonable action
and generally called gradually have persisted approach is recommended
express your dissatisfaction
to the corporate level of the problem is that result at the local store
email like the ones that are now may be appropriate you can obtain addresses of
companies who should contact from the
consumer action handbook
consumer action dot gov
publishing the federal government or other reference book available at your
library
websites a major companies
also offer a method to communicate with these organizations
you can take up is consumer hotline
number by using the director of toll-free numbers are calling one eight
hundred five five five twelve twelve
toll-free information under
most companies printed toll-free hotline
and website address and product product packages
studies reveal that the majority of consumer complaints made to it but
companies are resolved in the first contact
gil wal-mart last week i purchased
washer
and i made this on november first
unfortunately it does not perform satisfactory therefore
to solve this
i would like to return it for a new one
their copies of my receipts
and canceled check
i am looking forward to your plane resolution like roman wait three weeks
before seeking third-party systems sincerely john doe
if you did not see receive satisfaction from the company several consumer
business and government organizations are available
they include national organisation specialising nation such as automobile
safety
healthcare
and the church in and local organizations that handle complaints
conducts surveys and provide legal assistance
better business bureau our network of offices they resolve complaints against
local merchants
their sponsored by local business organizations
and companies not obligated to respond to the complaints
better business bureau in your area can be a value before you make a purchase
they can tell you about the experiences of others
with which are you planning to do business
mediation involves the use of a third party to settle grievances
in mediation in impartial person mediator
try to resolve a conflict between customer in a business through
discussion and negotiation
mediation is unknown binding process
can save time and money compared to other
dispute settlement methods
arbitration as settlement
of a difference by a third party
the arbitrator whose decision as legally binding
after both sides agree to the arbitration process each side presents
his case to the arbitrator
arbitrators are selected from volunteers trained for the purpose
most major auto manufacturers and many industry organizations have arbitration
programs resolve consumer complaints
uh... vast network of government agencies is also available
problems with local restaurant or food stores may be handled by city or county
health department
every state has agencies to handle problems involving deceptive advertising
fraudulent businesses
business practices banking insurance companies people your rates
federal agencies available to help resolve consumer difficulties and
provide information in this incoming speed when you are uncertain about what
you should see the use contacting u_s_ representative and washington
dac
this office can help tell your concern to the appropriate consumer protection
agency
section
will discuss various legal actions available to resolve
consumer problems
what you do if all of the previously mentioned avenues of action failed to
bring about a resolution consumer complaint when i finally latches may be
appropriate
every state of the court system such as settlement no
disagreements
small claims court person may file a claim involving
amounts police at dollar limit
the maximum varies from state to state was
ranging from five to ten grand most states have a little between fifteen
hundred and three thousand
process usually takes place without a lawyer although many cities attorneys
are allowed to make claims
cars are a lot of small claims court
to make the best use of small claims court experts suggest observing other
cases to learn about the process
okay usually a number of people have the same complaint for example
people were injured by defective product consumers who are overcharged by utility
company or travelers who achieve eye toward business such people may qualify
for a class action suit
a class action suit is a legal action taken by a few individuals on behalf
of all the people have suffered the same
alleged injustice
these people call the class a represented by one lawyer group of
lawyers working together
once the situation qualifies the class action suit all the affected parties
must be notified of the suit
at this point a person may decide not to participate in the class action suit
instead filed individual lawsuits if the court ruling is favorable to the class
the funds awarded may be divided among the people involved used to reduce rates
in the future
west side of the public funds for government yes
raising class action suits included all
auto owners who were so unneeded replacement parts for the vehicles
and a group of investors who sued a brokerage property for unauthorized bios
all transactions the resulting in high commission charges
when small claims court grade class action suit is not appropriate you may
seek the services of an attorney most common sources of available of available
lawyers or referrals from people you know
local branch of the american bar association
and telephone directory listings
watters advertise newspapers television in other media there where the price of
advertising does not mean it competent legal counsel
the site which is a lawyer's difficult
in general say fort lee both situations such as appearing in small claims court
renting an apartment or defending yourself or on a minor traffic violation
usually do require legal counsel
but for a more complicated matters such as writing in radio will setting any
real estate purchased for
suing for entry damages caused by a product
it's probably wise to attain the services of an attorney
when selecting a lawyer
you should consider several questions as a loyal to experiencing here
type of case
will be charged a flat at a flat fee basis and i really great or any
contingency basis
is there a fee for the initial consultation
how will we be required to make payment
for services
casa leave a little serves as can be a problem especially for low-income
consumers
in linux it society is one of the network of publicly supported community
law offices of provide legal assistance to people who cannot afford their own
attorney
community agencies provide the successes of the middle class
or without charge
pre-paid legal services provide unlimited or just feed legal assistance
for a set fee
some of these programs provide certain basic services such as telephone
consultation and preparation of a simple well forty annual fee ranging from fifty
two hundred fifty dollars or more
were complicated legal assistance requires an additional fee
usually at a reduced rate
other programs do not charge an advance fee
but allow members to obtain legal services at discount rates
in general people had legal programs are designed to prevent minor troubles me
coming complicated legal problems
will questions many research that no-load dot com
well many laws agencies legal tools are available
to protect your rights
none will be of the item s you use them
consumer protection acts for suggest that to prevent being taken by in by
deceptive business practice
practices
you should
do business only with reputable companies with a record satisfied
customers
appoints any contracts and other documents he did not understand because
shes about offerings that seem to be true they probably are
compare the cause of buying on credit with the cost of paying cash also
compare the interest rates the seller offers with those offered by a bank or
credit union and finally
ovoid rushing to get a good deal
successful con artists depend on impulse buying