FINANCE LAW

When you co-sign for someone else, you are fully responsible to pay that debt if the person you co-sign for doesn’t pay it. Many people think that co-signing is just a favor for a friend, it is not. It is a commitment to pay the debt in full, so be very careful about co-signing for […]

Your credit report or “credit history” covers the last 10 years of your financial life. Credit reports often only take on importance to you when you are seeking to borrow a large sum of money such as a mortgage loan to purchase a home or an automobile loan. If you applied for and received a […]

The legal owner of the car is the person whose name is shown on the title to the vehicle. The co-signer generally cannot legally take the car by force. The co-signer has no rights to the car unless the co-signer’s name is on the title to the vehicle. When you sign the loan papers along […]

SAMPLE REQUEST UNDER FREEDOM OF INFORMATION ACT Date: To: [name of individual/company] [address] [city, state, zip] Attention: [name if known] Dear [Mr./Ms. _____________________], This request is made pursuant to the Federal Freedom of Information Act. I hereby request disclosure of any information about me that may be maintained in your files, to the extent disclosure […]

In selecting a private attorney, what steps should I take? Follow these basic tips: Decide what kind of legal assistance you need; Ask friends, relatives or WORLDLawDirect for names of attorneys who have handled similar matters in a satisfactory manner; Talk with each attorney; ask about their legal experience with problems similar to yours, fees, […]

The most frequent complaints concern high pressure sales tactics, misrepresentations about facilities and services, spas that go out of business, and failure to honor cancellation and refund clauses. Health Spas: Protect Your Rights Looking for a way to get in shape? You may be considering joining a health spa, a place where members work to […]