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Consumer Protection Archives

Does My Car Sales Contract Allow The Car Dealer To Back Out Of The Sale?

If you recently purchased a vehicle and are now receiving a call or letter from your car dealer saying it wants the car back, check your sales contract to see if the dealer has the right to back out of the agreement. Typically, there is a provision called "Seller's Right to Cancel" on the back of the long yellow copy of the contract you were given at the time of purchasing the vehicle. In California, this contract provision usually states that the car dealer has 10 days to back out of the agreement. Although this is a typical provision always double check your contract before returning the vehicle. If your contract does not have this provision or the dealer first contacts you about returning the vehicle after 10 days, you most likely do not need to return the vehicle.

How To Research If A Hotel Or Apartment Has Had Bed Bug Complaints?

The internet has made it easy for customers and tenants to research and/or report bed bug issues with hotels and apartment complexes. If you have had a bed bug infestation in your apartment or have found bed bugs at a hotel room you have stayed at you can document your experience at bedbugregistry.com and bedbugs.net. Yelp.com is also a good site to document your experience with bed bugs. These sites are also great for potential tenants and hotel guests to research apartments and hotels prior to moving in or planning a trip to make sure that there have not been frequent infestations.

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you within the 10-day period after signing the vehicle sales contract, the dealer has most likely lawfully cancelled/rescinded your automobile sales contract.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.

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.

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.

The debt collectors won't stop calling... until you do this

In California and across the country, there are very strict regulations about when and how debt collectors can call individuals they believe to be in debt. Yet, debt collectors can be relentless and act outside the law, calling you at all hours of the day, threatening you and causing emotional distress to you and your family. How do you know if your debt collector is breaking the law? And how can you stop them?

The top 4 reasons people declare bankruptcy

The public myth that bankruptcy is a last ditch effort of irresponsible people to get out of their self-created debt problems is simply not true. Most people who declare bankruptcy are honest people facing tough circumstances. Unfortunately, due to bankruptcy myths and fear that bankruptcy is a declaration of financial failure, many people wait until their financial situation is dire before acting.

How to protect yourself from false information on your credit report

You'd be surprised how many people have false information on their credit reports and don't even know it. Of course, they find out pretty quickly when they try to get a car loan, home mortgage or credit card and are turned down.

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