Everyday Law for Consumers
Whenever you purchase goods or services in a personal, household, or family capacity, you are entitled to the rights and remedies of state and federal consumer law. Realistically, only a very small percentage of consumer problems can be addressed by hiring a private attorney. Everyday Law for Consumers teaches practical self-help remedies that ordinary Americans can use to protect their consumer rights. Michael L. Rustad, a nationally known practicing attorney and legal scholar, translates...
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Whenever you purchase goods or services in a personal, household, or family capacity, you are entitled to the rights and remedies of state and federal consumer law. Realistically, only a very small percentage of consumer problems can be addressed by hiring a private attorney. Everyday Law for Consumers teaches practical self-help remedies that ordinary Americans can use to protect their consumer rights. Michael L. Rustad, a nationally known practicing attorney and legal scholar, translates into plain English the legalese that forms the basis for many common transactions, including consumer loans, credit repair, credit, consumer leases, usury, interest rates, Internet transactions, identity theft, distance contracts, home shopping, television advertisements, door-to-door sales, and telephone solicitations. Using real-life examples, sample complaint letters, and an appendix of further examples, this easy-to-read book empowers everyday people to become effective self-advocates in an increasingly consumer-driven society.
Preface and Acknowledgments viList of Acronyms and Abbreviations viiiIntroduction 1Private Consumer RemediesTaking Direct Action by Filing a Complaint 14Small Claims Courts 34Choosing and Working with Your Own Lawyer 55Mandatory Arbitration: What You Should Know 69Common Law's Consumer ProtectionProtecting Your Rights in Consumer Contracts 84Redressing Civil Wrongs: Torts and Defective Products 126Specific Consumer ProtectionAutomobile Sales, Services, and Financing 150Obtaining Credit 176Banking, Credit Cards, and Debit Cards 186Credit Reports and Discrimination in Lending 199Your Debtor's Rights and Remedies 210Protecting Home Sweet Home 222Consumer Protection in Cyberspace and Identity Theft 245Appendixes 271Index 301About the Author 309
