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Los Angeles Consumer Protection Law Blog

If the automobile dealer cancels/rescinds the sales contract, what will happen?

If your auto dealer calls you within the 10-day period after signing the vehicle sales contract, the dealer has most likely lawfully cancelled/rescinded your automobile sales contract. What should happen and what does happen is often very different. What should happen is you give back the car, and the dealer gives you back any down payment and/or trade-in vehicle that you provided at the time of the sale. Basically, when you return the car, you should be given back everything you gave the dealer.

Is Your Car Dealership Demanding That You Return The Vehicle That You Just Bought?

Unfortunately, it is all too common for the following scenario to occur: a consumer goes to an automobile dealership, finds a vehicle to purchase, signs the paperwork, provides the down payment, and drives off with the car. The consumer believes he or she just bought a car and the sale is complete, right? But, several days or weeks later the dealership calls the consumer and demands that he or she return the car.

What you need to know about lead paint in your home

The visible condition of the home you are renting may not be a guarantee that it is a safe place for you and your family to live. Lead paint can be a problem in homes built before 1978, and your landlord might not even be aware of it.

Having a professional inspect your home may be expensive, and your landlord may not want to foot the bill. However, this is an instance where it is worthwhile to investigate for yourself.

What conditions make a California rental legally uninhabitable?

As someone who rents a California property, you have certain rights, and one of those involves the right to a habitable, livable space. Essentially, this means it must be fit to house human life and that it adheres to all building, energy and health codes designed to ensure safety and optimum health for the renting population.

Regrettably, not all rental properties meet these standards. Worse yet, some landlords downright ignore them. The following is a list of some of the things your rental unit must have to be legally habitable in the eyes of the law.

Dealing with mold problems in California apartments

Living with mold can create an unpleasant environment. Worse than the sight and the smell, however, are the potentially serious health problems that can arise. Many people, especially children and the elderly, can develop respiratory conditions and allergies. Some types of molds are toxic and can cause severe illness.

So, what can you do if you move into an apartment and discover the presence of mold? According to a recent California law, your landlord must disclose in writing the presence of mold that puts tenants' health at risk. The California Department of Public Health takes the position that trying to determine safe levels of mold is difficult and unreliable. Rather, the Department considers any presence of mold or moisture unacceptable and urges landlords to remediate it as soon as possible.

Can I take the cost of repairs out of my rent?

You notice your refrigerator is not working well or your window lock is broken. As a responsible renter, you do what you are supposed to: Call your landlord and let him know about the problem. Then you wait. Days, then weeks pass, and the landlord keeps ignoring your calls.

Unfortunately, renters throughout the Los Angeles area can often relate to this scenario. When landlords fail to step up to their responsibilities, tenants want to know if they can repair on their own and then deduct the cost from rent payments.

What is the right choice for you between bankruptcy and debt consolidation?

Debt that you cannot pay can be overwhelming, suffocating and completely stifling to your professional and personal relationships. Many people who have debts deal with depression, anxiety and anger issues from the constant stress of trying to pay off creditors. Fortunately, you have options when you decide it is too much to bear and w ant a fresh financial start.

Don't let bankruptcy myths stop you

If you're dragging your feet about filing for personal bankruptcy, maybe it's because you've heard negative things about it. Bankruptcy gets a bad rap, which doesn't make a lot of sense, given that it's a financial tool designed to help people.

At the same time, some people get the impression that bankruptcy will solve all of their problems and leave them solvent for life. They won't owe a penny and can just start over with a clean slate. That isn't true, either. So what is?

6 ways to spot a predatory debt consolidation offer

The vultures appear when an animal begins to struggle. It's the same in lending and that's what makes debt consolidation offers so dangerous. There are trusted and wholly reliable sources that consolidate debt but there are many predatory companies who sell their service as consolidation when it's truly debt management.

Consolidation versus management

Loan consolidation is the combining of multiple loans into a single new loan. Reputable companies who offer this include banks and credit unions.

My car has been repossessed! What now?

It happens more often than you might think. After months, and in some cases years, of making steady payments on a car, it might not seem like a serious offense to put off a payment during hard financial times. But the consequences can come quickly, no matter how dedicated your payment history has been. You might walk out your front door one morning to find your car has disappeared overnight.

Why was my car repossessed?

Car repossession occurs when you are considered to be in default of the loan you took out to purchase your car. The lender with whom you leased or financed your car is generally given a security interest at the time of the financing, which basically gives them the right to have your car repossessed without notifying you if you have done something that they feel constitutes a default. More often than not, the reason is missed payments.

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