"Your toolkit for prevention, redemption, and occasionally retribution." -Ralph Nader Whenever you purchase goods or services in a personal, household, or family capacity, you are entitled to the rights and remedies of state and federal consumer law. Realistically, only a very small percentage of consumer problems can be addressed by hiring a private attorney. Everyday Law for Consumers teaches practical self-help remedies that ordinary Americans can use to protect their consumer rights. Michael L. Rustad, a nationally known practicing attorney and legal scholar, translates into plain English the legalese that forms the basis for many common transactions, including consumer loans, credit repair, credit, consumer leases, usury, interest rates, Internet transactions, identity theft, distance contracts, home shopping, television advertisements, door-to-door sales, and telephone solicitations. Using real-life examples, sample complaint letters, and an appendix of further examples, this easy-to-read book empowers everyday people to become effective self-advocates in an increasingly consumer-driven society.

"Your toolkit for prevention, redemption, and occasionally retribution." -Ralph Nader Whenever you purchase goods or services in a personal, household, or family capacity, you are entitled to the rights and remedies of state and federal consumer law. Realistically, only a very small percentage of consumer problems can be addressed by hiring a private attorney. Everyday Law for Consumers teaches practical self-help remedies that ordinary Americans can use to protect their consumer rights. Michael L. Rustad, a nationally known practicing attorney and legal scholar, translates into plain English the legalese that forms the basis for many common transactions, including consumer loans, credit repair, credit, consumer leases, usury, interest rates, Internet transactions, identity theft, distance contracts, home shopping, television advertisements, door-to-door sales, and telephone solicitations. Using real-life examples, sample complaint letters, and an appendix of further examples, this easy-to-read book empowers everyday people to become effective self-advocates in an increasingly consumer-driven society.

A solid reference for both the everyday and the unexpected legal issues, written by practicing attorneys Law 101 is an essential reference that explains: How laws are made How the court system works How each area of the law impacts your daily life Key information for important questions: How does a lawsuit begin? How do civil and criminal law differ? When do state laws trump federal laws? What makes a contract solid? What can you expect if called as a juror? What can you expect if called as a witness? And other complex areas of the law that you need to know. No home reference shelf is complete without this indispensible guide. The new edition also includes information on legal subjects that have become more important recently, including alternative dispute resolution, privacy rights, and Internet law.

Every day across America, consumers face issues with credit cards, mortgages, car loans, and student loans. When they are cheated or mistreated, all too often they hit a brick wall against the financial companies. People are fed up with being run over by big corporations, and few have the resources or expertise to fight back on their own. It is no wonder consumers feel powerless: they are outgunned every step of the way. Since 1970, the financial industry has doubled in size. It is the biggest source of campaign contributions to federal candidates and parties, spending about $1 billion annually on campaigns and another $500 million on lobbying. The four biggest banks each now has more than $1 trillion in assets. Financial products have become a mass of fine print that consumers can hardly even read, let alone understand. Growing problems in the increasingly one-sided finance markets blew up the economy in 2008. In the aftermath, Congress created the Consumer Financial Protection Bureau. Sharing the stories of individual consumers, Watchdog shows how the Bureau quickly became a powerful force for good, suing big banks for cheating or deceiving consumers, putting limits on predatory lenders, simplifying mortgage paperwork, and stepping in to help solve problems raised by individual consumers. It tells a hopeful story of how our system can be reformed by putting government back on the side of the people, to strengthen our families, safeguard the marketplace, and establish a new baseline of fairness in our democratic society.

This book consists of contributions exploring from different perspectives the 'images' of the consumer in EU law. The images of the consumer form the foundation for various EU policies, more or less directly oriented towards the goal of consumer protection. The purpose of the volume is to establish what visions of the consumer there are in different contexts of EU law, whether they are consistent, and whether EU law's engagement with consumer-related considerations is sincere or merely instrumental to the achievement of other goals. The chapters discuss how consumers should be protected in EU contract, competition, free movement and trade mark law. They reflect on the limits of the consumer empowerment rationale as the basis for EU consumer policy. The chapters look also at the variety of concerns consumers might have, including the cost of goods and services, access to credit, ethical questions of consumption, the challenges of excessive choice and the possibility to influence the content of regulatory measures, and explore the significance of these issues for the EU's legislative and judicial process.

Introduction -- Abiding issues -- Argumentation of the courts and contemporary legal scholarship -- Making behavioralism work -- Fashioning consumer cognitive capability -- Open approaches to promoting innovation and economic growth -- From market access to cumulative innovation -- Conclusion

From the world’s foremost expert on power and strategy, the New York Times bestselling daily devotional designed to help you seize your destiny. Robert Greene, the #1 New York Times bestselling author, has been the consigliere to millions for more than two decades. Now, with entries that are drawn from his five books, plus never-before-published works, The Daily Laws offers a page of refined and concise wisdom for each day of the year, in an easy-to-digest lesson that will only take a few minutes to absorb. Each day features a Daily Law as well—a prescription that readers cannot afford to ignore in the battle of life. Each month centers around a major theme: power, seduction, persuasion, strategy, human nature, toxic people, self-control, mastery, psychology, leadership, adversity, or creativity. Who doesn’t want to be more powerful? More in control? The best at what they do? The secret: Read this book every day. “Daily study,” Leo Tolstoy wrote in 1884, is “necessary for all people.” More than just an introduction for new fans, this book is a Rosetta stone for internalizing the many lessons that fill Greene’s books and will reward a lifetime of reading and rereading.

The emergence of the terms ‘pink tax’ and ‘tampon tax’ in everyday language suggests that women, who already suffer from an economic disadvantage due to the gender wage gap, are put in an even more detrimental position by means of ‘discriminatory consumption taxes’. This book is the first conducting a legal analysis to establish to what extent this public perception is accurate. Does the practice of ‘pink tax’ effectively amount to a tax in the legal sense? Does the so-called ‘tampon tax’ genuinely constitute an anomaly within the general consumption tax system? Most importantly, can these two ‘taxes’ be legally qualified as discriminatory? This book provides scientific answers to these questions. It first cuts through the existent information clutter by elucidating the pertinent economic, sociological and psychological components of the practices referred to as ‘pink tax’ and ‘tampon tax’. It then proceeds with a thorough legal analysis of all relevant aspects to determine whether women are indeed subject to discriminatory consumption taxes. It is well-established that women earn less than men. This book investigates if they simultaneously pay more due to ‘discriminatory consumption taxes’.

Teaches self-help remedies that ordinary Americans can use to protect their consumer rights. This work explains the legalese that forms the basis for many common transactions, including consumer loans, credit repair, credit, consumer leases, usury, interest rates, Internet transactions, identity theft, distance contracts, and home shopping.