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Minnesota Consumer Rights Blog

Auto repossession: How to avoid it

When you're leasing a car, it's not a great idea to miss a payment. Of course, sometimes life gets in the way and you forget, or financial difficulties make it impossible. But it is likely that you depend on your car to get you to work, or take your kids to school. Therefore it's really important that you keep on top of your payments, since losing a car can turn your life upside down.

This blog will provide a brief overview into how you can deal with the repossession services and keep your car if you run into some payment trouble.

What is wage garnishment and how can you avoid it?

Have you ever received your paycheck and been confused by the low amount, wondering why there have already been deductions by debt collectors before you got to receive the money? This type of wage deduction is known as wage garnishment, and it means that debt collectors have successfully managed to take their owed money directly from your paycheck.

If you have been subject to this, then it means that you have likely avoided paying the debts you owed for a long time. By this point, you have likely already seen a drop in your credit score. But now you have less control of the money that you receive from your job as well. The good news is that you do have legal rights that protect you from unfair wage garnishment.

How do I protect myself from unfair debt collection?

Unfair debt collection is a troubling issue throughout the United States, and can cause a great deal of stress and worry among debtors. To try and reduce this problem, there is a law put in place called The Fair Debt Collection Practices Act (FDCPA), which has a large amount of protections and rights for those in debts.

This blog will provide a brief overview into some of the protections that you have if you are a victim of unfair debt collection, and what you can do if you continue to be harassed by your creditors.

What can you do about false information on your background check?

Getting a job has never been more complicated than it is now. Potential employers want to review your credit, your work history, your social media pages and even your criminal background. In addition to a resume, cover letter, references from professional acquaintances and former bosses and a drug test, your entire recorded history will likely get carefully checked.

Most people trust that criminal background checks are accurate, but, in reality, mistakes are common. Some companies will work with candidates when a mistake creates the impression of a criminal history. Others will simply advise applicants that the background check was the reason for not hiring them. In some cases, workers aren't even told that much and must try to piece together what happened without any help from the company.

Legal protections for victims of online scams

If you are not so familiar with using the internet, or you are just beginning to get the hang of things, you may come across offers that seem too good to be true. The problem is that they usually are too good to be true. There are many practices on the internet that try to lure people in by offering fantastic deals, prices, jobs or investment opportunities. Many thieves and criminals will use this as a way to try to take your details, possibly including your bank account details. This can lead to very serious financial consequences for you.

This blog will present a brief overview on the types of online scams, and what to do if you think that you have been a victim of one of them.

Civil asset forfeiture: What you need to know

Civil asset forfeiture can happen when the police or other civil institution suspects that money or another asset has or is intended to be used for wrongdoing. For example, this could be a situation where a person is carrying a large sum of cash on their person for the intent of buying a large item. If the police find this large sum of cash in their possession, it may give them reason to believe that they are using the money for the purchase of drugs, and may then decide to confiscate the money.

This article will provide a brief overview into the law regarding civil asset forfeiture and under what circumstances you may have a claim for wrongful repossession.

What to do when you’ve been injured by a faulty car

Most often when a person has been involved in a car accident, if there is a case, it will be a negligence claim aimed at another driver. However, sometimes, there is no person at the scene at fault, because the accident might have been caused by a car defect. In this case, you must prove that a vehicle manufacturer or seller was liable for a faulty product, and that the particular fault directly caused the crash.

This blog will offer a brief overview into car defect injury claims and what must be taken into consideration when bringing a claim.

How class action lawsuits work and how you can join one

A class action lawsuit is one in which the plaintiffs come together and sue defendants as a single group. As for the plaintiffs in a lawsuit like this, they share a commonality in that they all suffered a similar type of harm or loss.

Class action lawsuits can be filed in a number of different types of cases. They're often filed against pharmaceutical companies when an individual has had an adverse reaction or died from taking a prescription drug. In other cases, an individual might have been injured when his or her car's brakes malfunctioned, another instance that can result in a class action lawsuit being filed.

Are debt collectors refusing to stop calling your work?

Maybe you've had a rough couple of months and fell behind on your credit card payments. Perhaps you had an emergency medical situation, and you can't pay the bill in full. If a creditor has turned over an account in your name to a debt collection agency, you could face borderline harassing behaviors.

Calls at odd hours every day, frequent angry and threatening letters and contacting your family to get personal information are all tactics used by debt collectors. Sometimes, they could even start calling you at work.

Wells Fargo forced loan recipients to take out auto insurance

An internal report conducted in order to present to executives at Wells Fargo found that over 800,000 people were charged with unnecessary car insurance. This in turn reportedly led to around 25,000 wrongful repossessions of vehicles.

The report found that Wells Fargo customers were unnecessarily sold auto insurance that many could not afford. Almost 10 percent of those sold the unnecessary insurance eventually had their vehicle wrongly repossessed. The 60-page report also revealed that many of the customers that were negatively affected by this practice were members of the military service who were on active duty when the wrongful repossession occurred.

Get Answers To Your Questions

Contact the Consumer Justice Center. Tommy Lyons can speak with you in a free initial consultation arranged at 800-556-6752, toll free, or by email from wherever you are in the U.S.

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Consumer Justice Center P.A.
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Vadnais Heights, MN 55127

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