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Articles from John Kevin | Selfgrowth.com
- New Vehicle EPA Fuel Economy Label for 2013 - by Submitted on Feb 17, 2012 from John KevinThe EPA’s new fuel economy label for 2013 will soon be appearing on vehicle window stickers at a dealer near you. Required for all 2013 model year vehicles (49 CFR Part 575), the revised EPA fuel economy sticker includes a wealth of new vehicle information regarding vehicle fuel consumption and ...
Views: 686 - The debt didn't go away? - by Submitted on Nov 15, 2011 from John KevinI have been receiving a lot of calls lately about write-offs. Some people are wondering why they are still receiving calls from collectors if the debts were Written-off. There is actually an old 80’s Sitcom – The Jerry Springer Show - that mock’s George’s lack of understanding of the term. ...
Views: 501 - Stop Debt Harassment - by Submitted on Nov 14, 2011 from John KevinStopping debt harassment isn’t always easy. Some states don’t have debt harassment laws that apply to original creditors. There are tons of scam companies out there acting like they are debt collectors, when they’re not. There are just as many companies that are legitimate collectors, but who ...
Views: 651 - Texas Used Car Lemon Law - by Submitted on Oct 29, 2011 from John KevinWhere do all those repurchased or bought back lemon cars from the lemon car owners by the car manufacturers go? They are put up in the yard as a pre-owned car for used car buyers. Where do all those lemon recalls end up? The lemon cars are laundered and put on sale perhaps in a different state ...
Views: 1182 - The Debt didnt go away? - by Submitted on Oct 14, 2011 from John KevinI have been receiving a lot of calls lately about write-offs. Some people are wondering why they are still receiving calls from collectors if the debts were Written-off. There is actually an old 80’s Sitcom – The Jerry Springer Show - that mock’s George’s lack of understanding of the term. ...
Views: 552 - Illinois Lemon Law Claims - The Magnuson-Moss Warranty Act - by Submitted on Sep 26, 2011 from John KevinIn case your Illinois lemon law claim is not honored by the state lemon law, you may seek the same protection under a federal law, the Magnuson Moss Warranty Act. The Magnuson Moss Warranty Act was created by Congress to provide protection to consumers when a manufacturer, dealer or service ...
Views: 1002 - Al Franken's Act - by Submitted on Sep 23, 2011 from John KevinIt's no longer a laughing matter when former Saturday Night Live funny man Al Franken, NOW Senator Al Franken, D - Minnesota, decides to stand up for the little guy against overly aggressive debt collectors. Franken has introduce Senate Bill 3888, "The End Debt Collector Abuse Act of 2010" that ...
Views: 647 - The Most Common Used Car Frauds - by Submitted on Sep 23, 2011 from John KevinA person chooses a used car mainly with the intention of saving on the hard earned money. More often than not, thanks to the fraudulent used car sellers/dealers we seem to be shedding more dollars than the worth of a used car. One can always keep a check on the tricks of the used car dealers to ...
Views: 894 - Motor Vehicle Warranty and California Lemon Law - by Submitted on Sep 23, 2011 from John KevinNew Protection for Consumers Buying New & Used Cars Under the California lemon law In California, a purchaser or lessee of a new motor vehicle has various rights under both state and federal law, if the vehicle does not perform as promised in an express warranty. Here is how the ...
Views: 702 - Don’t Get Scammed - by Submitted on Sep 23, 2011 from John KevinIn talking with potential clients, I have noticed an increasing problem in the debt collection industry – SCAMS. It seems more and more that innocent consumers are receiving some of the most horrific telephone calls from people allegedly attempting to collect old debts. Don’t be fooled; there ...
Views: 589 - Debt collectors don’t want people to know what the FDCPA - by Submitted on Sep 19, 2011 from John KevinToday I read an article on the internet complaining about a potential new bill out of New Jersey that would require debt collectors to send a copy of the FDCPA to Consumers. I read the article on collectormentor.com which appears to be a site geared toward aiding and informing ...
Views: 674 - State Attorney Generals Taking A Strong Stance Againist Harassing Debt Collectors - by Submitted on Sep 07, 2011 from John KevinWith the economic crisis still in full swing, many American families who have typically been able to successfully manage their finances are finding it difficult to keep their head above water. To add insult to injury, many debt collectors have seized upon this economic climate to garner larger ...
Views: 462 - Violations of Illinois Deceptive Trade Practices Statutes - by Submitted on Aug 25, 2011 from John KevinThe Consumer Federation of America (CFA), the National Association of Consumer Agency Administrators (NACAA), and the North American Consumer Protection Investigators (NACPI) collectively looked at more than a half million complaints in 18 different states, in a 2010 complaint survey conducted ...
Views: 988 - The Illinois Consumer Fraud Act (ICFA) to Protect you Against Misrepresentation - by Submitted on Aug 25, 2011 from John KevinThe Consumer Federation of America (CFA), the National Association of Consumer Agency Administrators (NACAA), and the North American Consumer Protection Investigators (NACPI) collectively looked at more than a half million complaints in 18 different states, in a 2010 complaint survey conducted ...
Views: 1252 - Do Not let the Debt Collectors Bluff you - Part 1 - by Submitted on Aug 23, 2011 from John KevinA Debt Collector attempts to convert your erstwhile debt that had long been dead, into the one that he is conceiving to give birth to. He is apparently counting on the fact that you are ignorant of your collection rights and he is zeroing in on you to take you to a very long ride. When ...
Views: 781 - How can a California Consumer Get a Legal Remedy Against an Auto Related Fraud? - by Submitted on Aug 11, 2011 from John KevinIn a recent complaint survey conducted by various government agencies like the Consumer Federation of America (CFA), the National Association of Consumer Agency Administrators (NACAA), and the North American Consumer Protection Investigators (NACPI), auto-related issues were named as the top ...
Views: 613 - Auto Fraud and the Texas Lemon Law - by Submitted on Aug 10, 2011 from John KevinThe Consumer Federation of America (CFA), the National Association of Consumer Agency Administrators (NACAA), and the North American Consumer Protection Investigators (NACPI) collectively looked at more than a half million complaints in 18 different states, in a 2010 complaint survey conducted ...
Views: 2770(1 vote) - Debt Collector Harassment - FDCPA Violations - by Submitted on Jul 29, 2011 from John KevinThe Fair Debt Collection Practices Act (FDCPA) has a set of rules that determine what can be termed as harassment by the debt collector. Harassment can be either written or verbal. Calling you repeatedly at home or work place is a form of harassment. Harassing in any form is considered a severe ...
Views: 682 - How to Get the Most for Your Money on Your Auto Insurance - by Submitted on Jul 28, 2011 from John KevinBuying an auto insurance that's right for you can be very frustrating, if you are a first-time buyer. You can get the most out of your money on your auto insurance if you keep your eyes open to a few basics of auto insurance shopping. Please look at the following positive driving habits that ...
Views: 690 - Most common violations of the FDCPA - by Submitted on Jul 26, 2011 from John KevinOne of the most common violations of the FDCPA that we encounter is excessive phone calls. We see some of the larger debt collectors such as Allied Interstate, NCO Financial Systems and Portfolio Recovery routinely engage in excessive calling of consumers in attempting to collect on debts. ...
Views: 912 - The Illinois Used Car Lemon Law – Applies Only if Bought from a Used Car Dealer - by Submitted on Jul 22, 2011 from John KevinPurchasing a car is one of the most expensive propositions most of us make after a house. According to the National Institute for Consumer Education, the average price of a new car is about $18,000. Some people can afford this price and many of look else where for less expensive alternatives, a ...
Views: 8146 - Arguing that fewer collection calls still warrants a violation of the FDCPA - by Submitted on Jul 21, 2011 from John KevinAnyone with an unpaid debt and a phone is already aware – debt collectors call people. Further, everyone with a computer and internet connection knows – debt collectors are prohibited from calling “repeatedly or continuously”. According to Section 1692d(5) of The FDCPA, a violation occurs by ...
Views: 593 - Debt Collection Agencies Harass to Squeeze Money from You - by Submitted on Jul 19, 2011 from John KevinIf you are getting repeated calls from debt collectors, it is possible that you have fallen far behind in your payments on a bill. Your creditor has turned your account over to a collection agency, and as a consequence you are getting calls from debt collectors. These debt collectors have the ...
Views: 643 - The Florida Lemon Law Protection - Causes of Action Under the Magnuson-Moss Act - by Submitted on Jul 13, 2011 from John KevinIn case your Florida lemon law claim is not honored by the state lemon law, you may seek the same protection under a federal law, the Magnuson Moss Warranty Act. The Magnuson Moss Warranty Act applies to cars, trucks and recreational vehicles (RVs) and boats. The Magnuson Moss Warranty Act was ...
Views: 2887 - Full Warranty Requirements Under the Magnuson-Moss Warranty Act - by Submitted on Jul 11, 2011 from John KevinThe Magnuson-Moss Warranty–Federal Trade Commission Improvement Act is a federal law which gives the California consumers considerable rights in dealing with manufacturers and car dealers of lemon automobiles. This law guarantees a California car buyer certain minimum requirements of warranties ...
Views: 1020 - California Debt Liability when Spouses Separate - by Submitted on Jul 04, 2011 from John KevinThe Rosenthal Fair Debt Collection Act (RFDCPA) and other consumer acts in California treat debt of separated spouses the same as when they were together but the practical differences are extensive. California civil code takes the earnings of both the husband and wife into account while ...
Views: 565 - Do not Hurry to Pay NCO Financial Systems - by Submitted on Jul 01, 2011 from John KevinNCO Financial Systems is a third party debt collection agency engaged in collecting debts from consumers. Numerous complaints about NCO Financial Systems collection agency have been making news and have created fear in consumers' minds about this agency. Third party agencies like the NCO ...
Views: 1368 - The NHTSA Investigation Closes - Toyota Recalls 2.17 Million Vehicles in the US - by Submitted on Jun 09, 2011 from John KevinToyota Motor Corp. recalled 2.17 million vehicles in the United States on Thursday to address accelerator pedals issue. The mishap resulting from this issue has been well publicized where an accelerator pedal became entrapped in floor mat or got jammed in driver's side carpeting. The company has ...
Views: 581 - Avoid NCO Debt Collector Harassment - by Submitted on May 25, 2011 from John KevinThe Fair Debt Collection Practices Act (FDCPA) was established to regulate debt collection practices. The Act came into existence after the Federal Trade Commission (FTC) received numerous complaints about unfair and illegal debt collection methods employed by the third party debt collectors. ...
Views: 705 - NCO Financial Systems Violates the FDCPA - by Submitted on May 18, 2011 from John KevinThird party collection agencies resort to illegal and unethical debt collection practices with the belief that you do not know your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA was established by the Federal Trade Commission (FTC) in 1978 in response to hundreds of ...
Views: 636 - Top Five Violations of the FDCPA - by Submitted on May 10, 2011 from John KevinKrohn & Moss Ltd. handles thousands of cases a year but despite the massive numbers of people we assist each year, the type of complaints we receive about debt collectors are almost exclusively limited to five types of complaints. The most common complaint is excessive phone calls. There is ...
Views: 817 - Kia Recalls Spectra 58,332 of MY 2004 – 2007 over Fuel Tank Straps - by Submitted on May 08, 2011 from John KevinSouth Korean manufacturer Kia and NHTSA announced a recall of certain Spectra (Cerato) vehicles sold in the United States, in addition to the Sorento SUVs being recalled. According to a notification posted on the National Highway Traffic Safety Administration (NHTSA) website, the recall affects ...
Views: 674 - Know Your Georgia Lemon Law Rights - by Submitted on Apr 21, 2011 from John KevinThis is a brief discussion of some of the frequently asked questions as to how the Georgia lemon law works. If you live in Georgia and bought yourself a new car from a Georgia car dealership and you are not happy about the performance of the buy, it is time you met a Georgia lemon law attorney. ...
Views: 770 - Motor Vehicle Warranty and the California Lemon Law - FAQs - by Submitted on Apr 19, 2011 from John KevinIn California, a purchaser or lessee of a new motor vehicle has various rights under both state and federal law, if the vehicle does not perform as promised in an express warranty. The Song-Beverly Consumer Warranty Act can protect both the new and used car consumers. The Song-Beverly Consumer ...
Views: 801 - Know Your Lemon Law Rights - by Submitted on Apr 19, 2011 from John KevinYou buy yourself a brand new dream car in Illinois. This new dream machine of yours would, instead of hitting the road, spend its time and your money in an auto repair shop. If this scenario rings bells in your own case, time you took advantage of the Illinois lemon law. A lemon is a ...
Views: 706 - Credit Card Balance Transfers Can Reduce Credit Card Expenses - by Submitted on Apr 19, 2011 from John KevinThanks to lawmakers and federal banking regulators, your credit card monthly statements have to carry more details than before. Credit Card Act of 2009 has mandated certain disclosures. Now the new statements are designed to be more reader-friendly and help credit cardholders easily find ...
Views: 614 - Debt Collectors are Justified in Harassing People - by Submitted on Apr 17, 2011 from John KevinThere are some of you out there who believe that debt collectors are justified in harassing people. You think that these people owe the money and it’s the only way companies can get paid. To you, collection agency harassment is not personal because it’s only business. Well I can tell you that ...
Views: 650 - Debt Collection Harassment Takes The Lead In Consumer Complaints Again In 2010 - by Submitted on Apr 01, 2011 from John KevinEvery year debt collection related complaints at the Federal Trade Commission (FTC) are on an increase. The Fair Debt Collection Practices Act (FDCPA) prohibits deceptive, unfair, and abusive practices by third-party collectors. The FDCPA requires the FTC to report on the level of industry ...
Views: 566 - MY 2011 Honda Odyssey Recalled over Strong Wiper Motor and Weak Wiper Linkage - by Submitted on Mar 23, 2011 from John KevinHonda is recalling 33,341 MY 2011 Odyssey minivans over defective windshield wipers. According to the National Highway Traffic Safety Administration (NHTSA), the recall is over the issues that involved windshield wipers which may fail to operate. Honda has announced that this recall is issued as ...
Views: 1013 - Japan Quake may Impact Automakers Beyond Japan - by Submitted on Mar 27, 2011 from John KevinThe economic repercussions of Japan’s devastating earthquake and tsunami are creating shock waves in the global auto industry. The dual disaster have shuttered many Japanese factories alright, they are also causing worries about the impact on the production shutdowns in North America. While ...
Views: 753 - The Ugly Side Of Debt Collection Companies - by Submitted on Mar 22, 2011 from John KevinDebt collection harassment often takes ugly turns with debt collectors resorting in sleaziest techniques. If you were to think that debt collectors are a set of sophisticated lot, it is time to reconsider our feelings. In what can be termed as a spine chilling incident, a debt collector operated ...
Views: 675 - Criminals Feast On Credit Card Frauds - by Submitted on Mar 25, 2011 from John KevinIf we look at the number of credit cards that are in use or have been issued in our country, the statistics are amazing. A whopping 1.81 billion credit cards in US are in use. Out of this Visa dominates the show with 297 million credit cards followed by 171 million by Master Card credit cards ...
Views: 628 - Legal rights under the Rosenthal Fair Debt Collection Practices Act - by Submitted on Mar 09, 2011 from John KevinUnder the Rosenthal Fair Debt Collection Practices Act (RFDCPA), you have legal rights to protect from debt collectors. The RFDCPA was established to protect the consumers’ rights against unlawful debt collections by debt collectors in California. While the RFDCPA is similar to the federal FDCPA ...
Views: 711 - What Sells a Car – Its Dependability on the Road, of course - by Submitted on Feb 13, 2011 from John KevinThe average age for cars on US roads is 9.4 years for cars and 7.6 years for trucks. For a car consumer durability and brand loyalty mean the most and they go hand-in-hand to increase the roadworthy years of a car. Reliability and durability are the deciding factors that make an automobile ...
Views: 710 - All Communication from Debt Collectors can be used as Evidence against them - by Submitted on Feb 02, 2011 from John KevinIf a debt collector calls you, do not panic and hang up. Take the calls and keep them talking to find out as many details as possible about them. Ask for debt details, original creditor's name, debt collection agency's name and caller's name. Instead of giving your personal information out, try ...
Views: 680 - How Not to Ruin your Car - by Submitted on Feb 02, 2011 from John KevinMajority of us unknowingly destroy our cars. This kind of ruination can actually be prevented and very easily, at that. Check if you are guilty of the following sin that has prematurely retired your car: Do you use the Parking Brake optimally? Use the Parking Brake. Use it when you park on ...
Views: 1863 - Buy a New home but Drive an Old Car - by Submitted on Feb 02, 2011 from John KevinNot many people go into raptures at the prospect of acquiring a decade-old car from a used car dealer. On the other hand one would only contemplate buying oneself a brand new car if not a fancy one. Before heading to the showroom for new car shopping ask yourself: Do I really need a new car ...
Views: 658 - Do You think your Rental Car is Safe? - by Submitted on Feb 02, 2011 from John KevinIt is alleged that the rental companies wait until it is convenient for them to get safety recall repairs. If the car is not on the road, the rental car agencies lose income and they schedule its safety recall repairs to suit their own convenience. In the wake of reports of injuries and deaths ...
Views: 669 - Trading In Your Old Car - by Submitted on Jan 21, 2011 from John KevinWe buy cars for utility and convenience. Some of us do it more often than the others. It is wise to remove the older cars before bringing in the newer ones. One may find buying a new or used car much easier than deciding what to do with the present one. Trading your car in to the dealer is ...
Views: 759 - Abusive Debt Collection Practices - by Submitted on Jan 21, 2011 from John KevinNot too long ago I was having a very typical morning; I was reviewing my morning emails from clients and opposing counsel, sorting through the mail and having a meeting with staff and associates regarding our daily work assignments. However, later that morning I stumbled across a blog published ...
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