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Minnesota Consumer Rights Blog

Can ads exaggerate what products can do?

False advertising is a real issue, and it's one that has misled countless consumers over the years. It's illegal for a reason. It tricks people into buying products they never would have purchased otherwise.

But what about exaggerations? Can an ad exaggerate the benefit of a good or service? Or does that cross the line into false advertising?

Is wage garnishment for debt repayment legal?

If you have been receiving reduced pay when you get your pay check, you may notice that certain fees have been taken out of your pay check by debt collection companies. You may be shocked by this and wonder whether it is even a legal practice.

Unfortunately, wage garnishment is a legal process in most cases and is generally a last resort in the debt collection process. It can be a devastating thing to have happen to you, because it means that you have even less control of your income.

Are abusive collection agents breaking the law when they call?

Falling behind on payments can happen for all kinds of reasons. Maybe you got hit really badly with this season's flu and ended up missing work well beyond what your paid leave covers. Perhaps you experienced an accident that resulted in massive medical bills, missed work and collections attempts. Sometimes, it's as simple as making too many purchases and no longer having the ability to pay off your line of credit each month.

Making minimum payments or skipping payments altogether can leave you incurring fees, on top of interest, which can leave you in a dangerous spiral. Pretty soon, you have to deal with calls, letters and emails from creditors or worse, third party collection agencies. Some of these companies can employ very aggressive tactics to recover the money they want. Knowing your rights can protect you from abusive and illegal collection methods.

What types of consumer fraud are most common in 2018?

Consumer fraud changes swiftly with the development of new technologies and scamming trends. Therefore, it is important that consumers keep up to date on the types of crimes they are likely to fall victim to in 2018.

Consumer fraud is quite a broad term that is defined as any type of deception and illegal activity that is used against customers. The following are the most common types that you should be aware of as a consumer.

Takata airbags subject to another recall

Last week, the Ford Motor Company announced that they were recalling 365,000 automobiles that were manufactured here in North America. This is the third recall that has been linked to exploding Takata airbags that have been attributed to at least 18 deaths.

In this latest attempt to prevent further serious injuries or deaths, Ford proactively announced the voluntary recall after discovering that the passenger airbags in the front seat use inflators with chemicals that violently explode. They are especially at risk in locations with hot and humid climates, which further exacerbate the airbags' tendencies to rupture.

2 huge reasons why false advertising hurts consumers

You may think of false advertising as a relatively minor problem, like a white lie. Many companies clearly look at it this way, considering how many lawsuits are started after they make false claims.

The reality is that these are very serious cases that definitely harm consumers. That's especially true in regard to food. Companies are sometimes deceptive when it comes to what ingredients are really in their products, either in an effort to make people think that the food is healthier than it is or to hide things that consumers are known to avoid.

Understanding asset repossession

Having any of your assets repossessed because of debts that you owe can be confusing, frustrating and heartbreaking. You worked hard to acquire all that you have, and it likely seems completely unfair that someone is now taking some of it away from you. If you are in a situation like this, it is important that you understand why this is happening to you so that you can do all that you can in order to remedy the situation.

Repossession occurs when you have not been keeping up with the repayments that you owe on a certain asset. For example, if you have not been able to pay your car loan repayments for a few consecutive months, it is possible that it will be taken away from you.

Mistakes on your credit report can cost you more than a loan

Individual credit reports are used for more purposes today than they were only a few decades ago. Credit reports at one time only had an impact on banking and the ability to obtain credit, such as a mortgage, a vehicle loan, a credit card or a personal loan. A poor score or several negative marks, such as delinquent accounts or judgments, were a sign to lenders that the person in question may not repay credit in a timely manner.

Sadly, credit scores have infiltrated many other areas of life, with negative consequences for millions of Americans. If you aren't carefully monitoring your credit report, inaccurate information could end up causing you a host of issues at a later time.

Examples of corporate negligence

Many civil cases revolve around the idea of corporate negligence. For this to be proven, it must first be shown that the company in question actually did owe a specific duty to the individual or individuals starting the suit. It then has to be shown that the duty was breached through negligence. Beyond that, the breach must then have caused some sort of harm to the other party.

Car accident cases are an excellent example. Another could be privacy breaches by credit card companies.

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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