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14 posts tagged Consumer Law, newest first.
Consumer Law
When an airline cancels or significantly changes a flight and you decline alternatives, federal rules generally require an automatic refund to the original payment method.
Consumer Law
In most states a lender can repossess a financed car after default without a court order, but it cannot breach the peace, must give notice before selling, and must return your personal belongings. Here are the rules.
Consumer Law
You can fix credit report errors for free under the FCRA: pull your reports, dispute the item with the bureau and the furnisher, and get a decision in about 30 days.
Consumer Law
EasySuit reads the complaint and summons, computes your Answer deadline, surfaces the defenses that apply in your state, and drafts an Answer you can review and file. Here is the whole flow, start to finish.
Consumer Law
Identity theft has a federal recovery framework most people never use. This guide walks through the IdentityTheft.gov report, when to file a police report, and how a credit freeze actually stops new accounts from opening.
Consumer Law
The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information and forces a 30-day reinvestigation. This post walks through the dispute letter, the clock, and what counts as a corrected report.
Consumer Law
Most debt collection lawsuits end in default judgment because the defendant did nothing. This post walks through filing the answer, the short deadline, and the affirmative defenses that actually move the case.
Consumer Law
The Consumer Credit Protection Act caps how much a creditor can take from a paycheck, but state law often takes less. This post explains the federal floor, the common state overlay, and the protections that matter most when a garnishment lands.
Consumer Law
The EasySuit Demand Letter Generator drafts a pre-litigation demand letter that uses the right legal posture for the dispute. It picks the cause of action, applies the jurisdiction's notice rules, and gates the export behind an attorney sign-off path on safety-critical postures.
Consumer Law
LawSensai's AI Legal Q&A is a plain-English answer engine that takes a typed question, reads the situation it describes, and returns a structured answer with sources and safety flags. This post explains how the engine reads your input and what it will and will not do.
Landlord-Tenant
Landlords keep a surprising percentage of security deposits, often without the itemized statement most states require. Tenants who follow a five-step playbook (move-out inspection, written demand with the right citation, statutory penalty calculation, small claims filing, judgment collection) recover at much higher rates. Here is the playbook.
Consumer Law
EasySuit ingests the complaint and summons, identifies the claim type and likely defenses, and produces a draft Answer with the right captions, deadlines, and affirmative defenses for the state where the suit was filed. Here is what each step actually does and why the timing matters.
Consumer Law
Most consumer creditors can take at most 25% of your disposable earnings, or the amount your weekly pay exceeds 30 times the federal minimum wage, whichever is less, under federal law. Child support, taxes, and student loans follow different rules with higher ceilings. Here is what each creditor can take and where your protections are.
Consumer Law
About 70% of consumer debt-collection lawsuits end in a default judgment because the defendant never filed an answer. The cases that get an Answer look completely different. Most credit-card lawsuits are filed by debt buyers who do not have the documents they would need to win at trial: chain-of-title, the original cardholder agreement, a specific bill of sale. Here is the defense most people never file, in five steps.