tag:blogger.com,1999:blog-63182274804976329232024-03-13T09:08:03.407-07:00Lemon Law LawyerLemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.comBlogger184125tag:blogger.com,1999:blog-6318227480497632923.post-52563471269586076332018-10-03T15:00:00.000-07:002018-10-03T15:00:05.360-07:00Harassed by Debt Collectors? Get the Tools to Fight Back<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-PwdYMVwFjV4/W60eU2wI8NI/AAAAAAAABIA/Iyk9nMGov6sPAhmvnj1m5wBh0r3rIEEkACLcBGAs/s1600/PastDue.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Harassed by Debt Collectors? Get the Tools to Fight Back" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-PwdYMVwFjV4/W60eU2wI8NI/AAAAAAAABIA/Iyk9nMGov6sPAhmvnj1m5wBh0r3rIEEkACLcBGAs/s1600/PastDue.jpg" title="Harassed by Debt Collectors? Get the Tools to Fight Back" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
When you know you owe money on an unpaid debt, every piece
of mail or phone call can make your blood pressure rise. Collections companies use
over-the-top strategies, hoping that you will get so sick of being harassed by
debt collectors you’ll pay just to make the phone calls stop. But you can fight
back. Find out what to do to turn the tables when the debt collector calls.</div>
<a name='more'></a><br />
<h2>
What Debt Collection Harassment Looks Like</h2>
<div class="MsoNormal">
Debt collection companies have many tools in their toolbox
to get debtors to settle their accounts. But many of those tools are illegal.
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for debt
collectors to:</div>
<br />
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Call at odd hours</li>
<li>Call you repeatedly with the intent to annoy,
abuse, or harass you</li>
<li>Use foul language</li>
<li>Threaten harm or violence</li>
<li>Publish lists of people who refuse to pay their
debts (other than credit reporting information)</li>
<li>Call you without telling you who they are</li>
<li>Lie about the amount owed</li>
<li>Pretend to be a state or government employee</li>
<li>Claim to be a lawyer or law enforcement officer if
they are not</li>
<li>Threaten to call the police or have you arrested</li>
<li>Threaten illegal acts</li>
</ul>
<br />
<div class="MsoNormal">
But even though the laws are on the books, consumers are
still harassed by debt collectors every day. That’s why you need to know how to
fight back.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Strategies to Fight Back Against Debt Collectors</h2>
<div class="MsoNormal">
If you are being harassed by debt collectors, it is time to
go on offense. Be smart about the calls, letters, and emails you receive to
build a case of debt collector harassment. Here are some strategies you can use:</div>
<div class="MsoNormal">
<br /></div>
<h3>
Stay Calm and Listen</h3>
<div class="MsoNormal">
When being harassed by debt collectors it can be hard to
keep your cool. But remember, you are looking to build a case against them,
now. If you get mad at the caller, it will be hard to remember the details
about what was said and by whom. Losing your temper, swearing, or raising your
voice also allows the debt collector to claim their abusive tactics were just responding
to your own anger. Remember that most collection calls are recorded. So stay
calm, and listen carefully to what the caller says. You may be able to use it
later. </div>
<div class="MsoNormal">
<br /></div>
<h3>
Ask for Verification of the Debt</h3>
<div class="MsoNormal">
Often debt collectors try to collect more than is owed. Ask
the debt collector to send you a verification of the debt in writing. This must
include:</div>
<br />
<ul>
<li>The amount of the debt</li>
<li>The name of the creditor to whom the money is
owed</li>
<li>That you have 30 days to dispute the validity of
the debt</li>
<li>That you have the right to request the name and
contact information of the original creditor within 30 days</li>
</ul>
<br />
<div class="MsoNormal">
Take a close look at the verification and then send a
written notice that you dispute the debt. A formal dispute stops the collections
efforts (except for a collections lawsuit) while the dispute is being resolved. </div>
<div class="MsoNormal">
<br /></div>
<h3>
Keep Copies of Letters and Emails</h3>
<div class="MsoNormal">
Start a folder where you store copies of every email,
letter, or bill you get related to the debt, including the verification of the
debt. Keep the envelope and note the day you received traditional mail. </div>
<div class="MsoNormal">
<br /></div>
<h3>
Create a Call Log</h3>
<div class="MsoNormal">
Many of the FDCPA violation fines and penalties are based on
the number of calls received. Create a call log and to track these calls. Your
call log should include:</div>
<br />
<ul>
<li>The day and time of the call</li>
<li>The number called (work, home, cell)</li>
<li>The name of the debt collection agency</li>
<li>The phone number that called you</li>
<li>The name of the agent you spoke to</li>
<li>What was discussed</li>
<li>Whether there was an offer of installment
payments</li>
<li>Whether you disputed the debt</li>
<li>Whether you asked them not to call again</li>
<li>What action the debt collector said would happen
if you did not pay (garnishment, damaged credit, call the police, go to jail,
etc.)</li>
</ul>
<br />
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Any physical or emotional harm suffered because
of the call (anxiety attack, loss of sleep, etc.)</div>
<div class="MsoNormal">
By going on offense and using these tools, you and your
collections harassment attorney can build a case against the collections
company and stop being harassed by debt collectors. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">collections harassment
defense attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. If
you are being harassed by debt collectors, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
today for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-57882291742844347932018-09-26T15:00:00.000-07:002018-09-26T15:00:01.726-07:00Toyota Recalls Prius, C-HR for Risk of Engine Fire<!--[if !mso]>
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<a href="https://4.bp.blogspot.com/-czg3izDwjHI/W6URUcAiDaI/AAAAAAAABHs/8NdqLVBzWrAmIdqOxLbf7u_UQ1SK2yFegCLcBGAs/s1600/PriusEngine.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-czg3izDwjHI/W6URUcAiDaI/AAAAAAAABHs/8NdqLVBzWrAmIdqOxLbf7u_UQ1SK2yFegCLcBGAs/s1600/PriusEngine.jpg" /></a></div>
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Toyota Motor Corp. recently announced it is recalling over 1
million of its flagship Prius and C-HR vehicles because of a risk of engine
fire. Find out if your vehicle was affected, and what to do if it was.</div>
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<h2>
Prius and C-HR Recalls Span the Globe</h2>
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The Toyota Motor Corporation recently made news when it
reported it would be recalling 1.03 million vehicles worldwide because of the
chance their engines could catch fire. The recall affects Prius models,
including the plug-in and hybrid versions built between 2015-2018. It also
applies to the new C-HR, which debuted in December 2016. </div>
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<br /></div>
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Of the vehicles affected, 554,000 will be called back in
Japan, where the company sells both traditional and hybrid models of the C-HR.
Here in the United States, 192,000 Prius models.
The company does not sell hybrid C-HRs in the U.S. market.</div>
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<br /></div>
<h2>
Risk of Engine Fire Caused by Faulty Wiring</h2>
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In a statement issued September 5, 2018, Toyota explained
that the <a href="https://pressroom.toyota.com/releases/toyota+conducting+safety+recall+involving+certain+prius+vehicles.htm">risk
of engine fire</a> is the result of a faulty wire harness assembly, which is
connected to the hybrid vehicle Power Control Unit. Part of that harness can
rub against the cover at the point of connection, causing it to wear down over
time. With continued use, the wire core can be exposed, causing a risk of
electrical short, increased heat, and eventually a risk of engine fire. </div>
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There has been at least one reported incident of <a href="https://www.wsj.com/articles/toyota-recalls-more-than-1-million-vehicles-over-fire-risk-1536132145">fire
started by this vehicle defect</a>. In Japan in September 2017, a Toyota
vehicle caught fire, causing smoke damage. Luckily, no one was injured in the
event.</div>
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<h2>
Toyota’s History of Recalls Leaves a Mark on Consumer Confidence</h2>
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Prius owners are no strangers to recalls, unfortunately. Toyota
was among the many auto manufacturers affected by the <a href="http://lemonlawlawyer.blogspot.com/2016/05/takata-airbag-defects-explained.html">Takata
airbag recalls</a> in 2016. That year, 2.87 million Toyota vehicles, including
the Prius were also recalled for leaky fuel tanks. Prius owners also still
remember the unintended-acceleration issue in 2009, which resulted in several
accidents and made many users worried about what more could go wrong. Ivan
Drury, senior analyst at Edmunds.com, told the Los Angeles Times:</div>
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“This event left a scar. It still plays a role in consumers’
minds.”</div>
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Drury also played off those concerns, calling recalls common
when auto makers are “pushing the boundaries of technology.” However, the
number and the size of recalls has become a growing problem. At least one industry
consultant blames <a href="https://lemonlawlawyer.blogspot.com/2018/02/2016-set-recall-records-as-auto.html">reduction
in quality control staffing</a>, not technological advancement, for the
increased number of recalls in recent years.</div>
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<h2>
What to Do if Your Vehicle was Recalled</h2>
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Toyota has said it will be mailing recall notices to all
known owners of affected vehicles starting in late October. But you don’t have
to wait to find out if your vehicle was affected. You can visit the National
Highway Traffic Safety Administration’s (NHTSA’s) <a href="https://www.nhtsa.gov/recalls">Safety Issues & Recalls website</a> to
find out all the issues that apply to your vehicle. Just enter your 17-digit Vehicle
Identification Number (VIN), which is on your Michigan registration, and is
also usually displayed on the vehicle dashboard or on the inside of the driver’s
door.</div>
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If your Prius or C-HR contains the faulty engine wire
harness, Toyota has promised that its dealers will check the assembly. If a
wire core is exposed – from too much contact with the cover – Toyota will replace
the assembly with a new one that includes a protective sleeve. For vehicles
without an exposed wire core, technicians will install a protective tape to
prevent further wear. </div>
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<br /></div>
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It is important to respond to any recall for a defective
vehicle. But when the danger is a risk of engine fire, the stakes are especially
high. If you receive a recall notice for your Prius or C-HR, make sure to have
your vehicle inspected right away to avoid the danger to yourself and your
passengers.</div>
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<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is <a href="http://www.lemonlawlawyers.com/lemon101.html">a lemon law lawyer</a> at
The Liblang Law Firm, PC, in Birmingham, Michigan. She helps the victims of
defective vehicles recover damages from auto manufacturers for their injuries.
If you have been hurt because of a problem with your vehicle, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
today for a free consultation. </i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com14tag:blogger.com,1999:blog-6318227480497632923.post-71581467210753897802018-09-19T15:00:00.000-07:002018-09-19T15:00:07.295-07:00Safety Advocates Say Driverless Car Regulations Bill Falls Short<!--[if !mso]>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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mso-para-margin-left:0in;
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<a href="https://4.bp.blogspot.com/-7I_6N-hfdqA/W5vd14tMXUI/AAAAAAAABHY/FfE676WAZm8D5YAeq5avFVDIs6vZjg1hACLcBGAs/s1600/Driverless%2BCar%2BSensors.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Safety Advocates Say Driverless Car Regulations Bill Falls Short" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-7I_6N-hfdqA/W5vd14tMXUI/AAAAAAAABHY/FfE676WAZm8D5YAeq5avFVDIs6vZjg1hACLcBGAs/s1600/Driverless%2BCar%2BSensors.jpg" title="Safety Advocates Say Driverless Car Regulations Bill Falls Short" /></a></div>
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<br /></div>
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<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
Consumers don’t have much confidence in the safety of
autonomous vehicles. But the federal bill that would create the country’s first
driverless car regulations puts auto manufacturers’ needs over consumer safety. </div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Driverless Car Development Surges Ahead of Federal Safety Standards</h2>
<div class="MsoNormal">
In recent years, auto manufacturers and tech companies have
been racing to be the first to develop a fully autonomous vehicle. General
Motors, Tesla, Google, and even Uber have all been making progress toward a
driverless vehicle that can be sold to and used by consumers. </div>
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<br /></div>
<div class="MsoNormal">
But as so often happens, regulation lags behind innovation. Michigan
and other states where the companies have been testing their prototypes have
taken some steps toward defining <a href="http://lemonlawlawyer.blogspot.com/2015/08/what-driverless-cars-could-mean-for.html">the
legal landscape around a car without a driver</a>, but most rely on the
expectation that safety regulation will start at the federal level.</div>
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<br /></div>
<h2>
U.S. Congress Considers Driverless Car Regulations</h2>
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The 2017-2018 legislative session saw the introduction of the
first federal driverless car regulations in both the House and the Senate. The
House bill, the Safely Ensuring Lives Future Deployment and Research In Vehicle
Evolution (SELF DRIVE) Act, H.R. 3388, was passed in September 6, 2017. The
American Vision for Safer Transportation through Revolutionary Technologies (AV
START) Act was introduced in the Senate around the same time, but the legislation
has not moved so quickly there. However, some commentators believe there will
be a push to pass driverless car regulations before the end of the legislative
session.</div>
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<br /></div>
<h2>
Safety Advocates Say AV START Isn’t Smart for Consumers</h2>
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But safety advocates say that rushing to vote is a problem
for consumers. In July 2018, <a href="http://saferoads.org/wp-content/uploads/2018/07/AV-Poll-Report-July-2018-FINAL.pdf">Advocates
for Highway & Auto Safety (Advocates) commissioned a public opinion poll</a>
to guide legislators considering driverless car regulation. The results
suggested that consumers may not be ready to turn over control to their cars. </div>
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69% of responders said they were concerned about sharing the
road with driverless vehicles. The report discusses that without proper safety
checks in place driverless cars are risks to those who ride in them as well as:</div>
<br />
<ul>
<li>Other motorists</li>
<li>Pedestrians</li>
<li>Bicyclists</li>
</ul>
<br />
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Over the last few years, early versions of autonomous
vehicles have contributed to the public’s anxiety. The National Transportation
Safety Board (NTSB) is currently investigating 7 driverless car crashes between
May 7, 2016 and May 29, 2018. Some of these crashes were fatal, and many were
at high speeds, suggesting the Tesla “Autopilot” and other autonomous vehicle
programming failed to brake or avoid obvious dangers. </div>
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<br /></div>
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The NTSB has not yet finished its investigations, so it is
too soon to tell if there are problems with the existing autonomous vehicles or
their programming. The Advocates report urges the Senate to wait for that
information, before rushing into a law that will be the foundation of
driverless car regulation for years to come. </div>
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<br /></div>
<h2>
Proposed Driverless Car Regulations Prioritize Innovation Over Safety</h2>
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John M. Simpson, director of Consumer Watchdog’s Privacy and
Technology Project, <a href="https://www.detroitnews.com/story/opinion/2018/08/12/self-driving-car-bill-needs-amending-safety/938439002/">says
that waiting isn’t enough</a>. The problem, as he sees it, is that the “bill
instead places the profits of the auto and tech industries first, not our
safety.” He says the bill falls short of protecting consumers because it:</div>
<br />
<ul>
<li>Does not require safety certification before the
vehicles are sold</li>
<li>
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Does not give the National Highway Traffic
Safety Administration (NHTSA) authority to stop the sales of driverless
vehicles if there are flaws in the technology</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Does not require the NHTSA to share vehicle
safety data with researchers or consumers</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Provides only minimal rules for cybersecurity in
the vehicles’ electronics</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Omits regulations on the automated vehicle’s
ability to see and react to its surroundings</li>
<li>Doesn’t require the vehicle to facilitate a safe
“hand off” between human drivers and the autonomous systems</li>
</ul>
<br />
<div class="MsoNormal">
The <a href="http://lemonlawlawyer.blogspot.com/2018/02/2016-set-recall-records-as-auto.html">massive
recalls of vehicles for electronics failures</a> in recent years show that auto
makers cannot be trusted to fully test their software and hardware before
putting it on the roads. Instead, they rely on the NHTSA and other consumer
watch groups to do their quality checks for them. Now that those same companies
are creating systems that assume key driving functions (like braking and steering),
federal regulators need to have clear driverless car regulations and authority to
keep motorists, and the public safe.</div>
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<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law lawyer</a> at The
Liblang Law Firm, PC, in Birmingham, Michigan. She helps motorists who are
injured by defective vehicles. If you have been injured by a driverless car, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC,</a> for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com4tag:blogger.com,1999:blog-6318227480497632923.post-30454346497194119822018-09-05T15:00:00.001-07:002018-09-05T15:00:06.994-07:00Interest-Only Subprime Auto Loans are Too Good to Be True <!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-vs29X1t4QWY/W5A1s6h8hrI/AAAAAAAABHI/B8J-ztWx7XMeKMmLdgT2aZDL2WjFNoTCgCPcBGAYYCw/s1600/AutoLoanDebt.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Interest-Only Subprime Auto Loans are Too Good to Be True" border="0" data-original-height="248" data-original-width="623" src="https://2.bp.blogspot.com/-vs29X1t4QWY/W5A1s6h8hrI/AAAAAAAABHI/B8J-ztWx7XMeKMmLdgT2aZDL2WjFNoTCgCPcBGAYYCw/s1600/AutoLoanDebt.jpg" title="Interest-Only Subprime Auto Loans are Too Good to Be True" /></a></div>
<div class="MsoTitle">
</div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"><br /></span></div>
<div class="MsoNormal">
Low-income families can sometimes find themselves desperate
to get financing for a new-to-them used vehicle. They may be swayed by low
monthly payments or interest-only subprime auto loans. But these lending
options come with big strings attached, and sometimes the lenders don’t lay
everything on the table.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<div class="MsoNormal">
There hasn’t been much good news for consumers coming out of
the Consumer Financial Protection Bureau (CFPB) recently. Regulators haven’t
been doing much in the way of new lawsuits or other regulatory action. But on
August 29, 2018, the CFPB showed some life, announcing a settlement with the
European auto lender Banco Santander SA for consumer protection violations
related to its interest-only subprime auto loans. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Santander Fails to Protect Consumers Against Mounting Debt</h2>
<div class="MsoNormal">
The CFPB said the Spanish bank’s affiliate, Santander
Consumer USA Holdings Inc., was misleading consumers looking for low-cost auto
lending options. The company <span class="MsoHyperlink"><a href="https://www.reuters.com/article/us-santander-cfpb-settlement/santander-to-settle-u-s-consumer-watchdog-auto-finance-claims-sources-idUSKCN1LE2J4">allowed
borrowers to make interest-only monthly payments</a></span> on their subprime
auto loans under the “Temporary Reduction in Payment Plan” (TRIPP) without
explaining that the option would increase the total cost of the loan in the
long run. The lender also sold consumers “guaranteed auto protection” (GAP)
insurance without telling them the benefits would not always cover the cost of
replacing the car after an accident.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Why Interest-Only Subprime Auto Loans Are a Bad Deal</h2>
<div class="MsoNormal">
Interest-only subprime auto loans can be enticing for used
car buyers. They promise borrowers low monthly payments, allowing them to buy
cars they wouldn’t otherwise be able to afford. But if borrowers only ever pay
the interest on the loan, they will never pay it off. Until a borrower goes
above the monthly interest, the principle amount still remains untouched, and
will continue earning interest year after year.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
And subprime loans come with a lot of interest. More than <span class="MsoHyperlink"><a href="https://www.reuters.com/article/us-santander-cfpb-settlement/santander-to-settle-u-s-consumer-watchdog-auto-finance-claims-sources-idUSKCN1LE2J4">70%
of subprime borrowers pay more than 10% interest on their auto loans</a></span>.
That means for every $100 they borrow, they will pay an additional $10 every
month in interest. In some cases where loans are initiated at the dealership, <span class="MsoHyperlink"><a href="https://jalopnik.com/our-subprime-car-loan-debt-crisis-will-keep-happening-1828697776">those
rates can go as high as 30%.</a></span> When borrows fall behind on all that
interest, they can also face steep penalty interest and late fees, making it
even harder to get out of debt.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Interest-Only Subprime Auto Loans Take Advantage of Low-Income Families</h2>
<div class="MsoNormal">
Part of the problem with interest-only subprime auto loans
is that they target the people least able to understand these terms. Low-income
families with little or poor credit history are not able to secure traditional
financing through their banks, so they turn to the dealerships and third-part
lenders like Santander. The “buy here, pay here” dealers push buyers to sign on
for high-interest subprime auto loans, often based on the promise of low
monthly payments.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Because of these borrowers’ history, they may never have
learned about how credit works. Others have had problems with debt in the past.
If they have not learned from their mistakes, interest-only subprime auto loans
can cause these families to get into a cycle of debt they can’t afford, and
can’t escape.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Santander Settlement Avoids Lawsuit with Little Promise of More Protection</h2>
<div class="MsoNormal">
The CFPB’s investigation of Santander
started over a year ago. Investigator Richard Cordray had been ready to sue the
bank for misleading American consumers. But instead, the CFPB <span class="MsoHyperlink"><a href="https://www.nasdaq.com/article/santander-to-settle-us-consumer-watchdog-auto-finance-claims-20180829-01070">chose
to settle</a></span>, allowing Santander to pay a fine and promise increased
protections, without ongoing supervision. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Two days later, <span class="MsoHyperlink"><a href="https://jalopnik.com/suprime-auto-loan-king-santander-s-ceo-is-out-amid-laws-1798668676">Santander announced</a></span> its chief
executive, Jason Kulas, was stepping down. However, he was being replaced by
Scott Powell, who was already an executive with the company. This makes it
unlikely consumers will see any real change under the new leadership.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Interest-only subprime auto loans are deals that are too
good to be true. Unless the CFPB and other
consumer protection advocates are there to make sure borrowers know what
they’re getting in for, they could be taken for a ride and charged far more
than their cars are worth.</div>
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<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a<span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/lemon101.html"> consumer
protection lawyer</a></span> at The Liblang Law Firm, PC, in Birmingham,
Michigan. She helps the victims of subprime auto loans escape harassment by <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/collection.html">debt
collectors</a></span>. If your used car has turned out to be a rebuilt wreck, <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/contact.html">contact
The Liblang Law Firm</a></span> today for a free consultation.</i></div>
<div class="MsoNormal">
<br /></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com3tag:blogger.com,1999:blog-6318227480497632923.post-63793947023354015332018-09-05T15:00:00.000-07:002018-09-05T15:00:08.202-07:00CFPB Ombudsman Quits Over Student Loan Regulation<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-67sc9TVOXow/W4lU6bI_2lI/AAAAAAAABGw/ScCrLrtJB7YJGSfYS0NUhYCg4LBItHaQgCLcBGAs/s1600/StudentLoan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="CFPB Ombudsman Quits Over Student Loan Regulation" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-67sc9TVOXow/W4lU6bI_2lI/AAAAAAAABGw/ScCrLrtJB7YJGSfYS0NUhYCg4LBItHaQgCLcBGAs/s1600/StudentLoan.jpg" title="CFPB Ombudsman Quits Over Student Loan Regulation" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
The Consumer Financial Protection Bureau’s (CFPB’s) Student
Loan Ombudsman, Seth Frotman has had enough of the political maneuvers
affecting the way he does his job overseeing student loan regulation. On August
27, 2018, Frotman resigned from the CFPB. His resignation letter shows how the
organization has changed under the Trump administration.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Frotman Resigns from CFPB Saying It Is Failing Student Borrowers</h2>
<div class="MsoNormal">
Seth Frotman has been with the United States Consumer Financial
Protection Bureau since the beginning. He moved from the Treasury Department shortly
after the CFPB was founded through the Dodd-Frank Wall Street Reform and
Consumer Protection Act in 2010. He began as senior advisor to Holly Petraeus
in the Office of Servicemember Affairs. <a href="https://www.npr.org/2018/08/27/642199524/student-loan-watchdog-quits-blames-trump-administration">Petraeus
calls Frotman</a> “a true public servant.”</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Frotman’s work with the CFPB has always involved student
loan regulation. In his role under Petraeus, he helped military service members
and veterans get relief from predatory lending under the Military Lending Act. For
the last three years, he has served Assistant Director and Student Loan
Ombudsman. </div>
<div class="MsoNormal">
<br /></div>
<h2>
CFPB’s History of Strong Student Loan Regulation</h2>
<div class="MsoNormal">
Since 2011, the CFPB, and specifically Frotman’s Office for Students
and Young Consumers has reviewed over 60,000 student loan complaints. The
office has investigated and filed enforcement actions resulting in over $750
million in damages repaid to borrowers. It has filed lawsuits against
for-profit colleges including ITT Tech and Corinthian College, and has brought enforcement
of student loan regulation against lenders like Navient.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Trump Administration, Mick Mulvaney Curb CFPB Enforcement</h2>
<div class="MsoNormal">
The CFPB was created early in the Obama Administration.
During President Barack Obama’s term in office, it was instrumental in cracking
down on predatory lending strategies and protecting students and consumers from
unfair business practices. But since the Trump Administration named Mick
Mulvaney as Acting Director of the Bureau, <a href="https://apps.npr.org/documents/document.html?id=4784891-Frotman-Letter">Frotman
says the agency’s priorities have changed</a>. His scathing resignation letter
accuses Mulvaney and the Trump Administration of:</div>
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span>Undercutting enforcement of the law</li>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span>Undermining the Bureau’s independence</li>
<li>Shielding bad actors from scrutiny</li>
</ul>
<div class="MsoNormal">
His letter says:</div>
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“Unfortunately, under your
leadership, the Bureau has abandoned the very consumers it is tasked by
Congress with protecting. Instead, you have used the Bureau to serve the wishes
of the most powerful financial companies in America.” </div>
</blockquote>
<h2>
Obstruction, Secrecy, and Red Tape Control CFPB Actions</h2>
<div class="MsoNormal">
It is easy to see where Frotman is coming from. Before
coming to the CFPB, Mick Mulvaney had <a href="https://www.youtube.com/watch?v=RaVeNafdyVA">called the Bureau</a> “a joke
… in a sick, sad kind of way.” Since assuming the position of Acting Director
he and the Trump Administration have pushed the student loan office to the side.
Then in May 2018, Mulvaney announced that the Office for Students and Young
Consumers would be folded into the education office, further removing it from
its role in student loan regulation.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The Trump Administration has also sought to protect lenders,
instead of students. In February 2018, Education Secretary Betsy DeVos argued <a href="https://www.npr.org/sections/ed/2018/02/27/588943959/education-department-wants-to-protect-student-loan-debt-collectors">student
loan servicers should be protected</a> against state consumer protection laws. In
August 2017, the Department of Education stopped sharing information with Frotman’s
office, making it harder for the CFPB to detect violations of student loan
regulations.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Frotman also accuses Mulvaney and CFPB leadership of
concealing a report showing that some of the nation’s largest banks were
saddling students with “legally dubious” account fees. The report was
suppressed even after Mulvaney was pressed by Congress to bring the information
to light. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Frotman Says Americans Need a Strong, Independent Consumer Protection Agency</h2>
<div class="MsoNormal">
Frotman concludes:</div>
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“American families need an
independent Consumer Bureau to look out for them when the lenders push products
they know cannot be repaid, when banks and debt collectors conspire to abuse
the courts and force families out of their homes, and when student loan
companies are allowed to drive millions of Americans to financial ruin with
impunity.”</div>
</blockquote>
<div class="MsoNormal">
The CFPB under the Trump Administration has other priorities.
The shift has been severe enough to push Frotman from his post and force him to
resign, an act Petraeus calls “the purest of motives: He wants to help student
borrowers.”</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">consumer protection
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She helps
students and borrowers fight back against predatory lending and violations of
student loan regulations. If you are being harassed by debt collectors, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
today for a free consultation. </i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com2tag:blogger.com,1999:blog-6318227480497632923.post-88772141877455829102018-08-29T15:00:00.000-07:002018-08-29T15:00:00.267-07:00Is a Rebuilt Salvage Vehicle Worth the Savings?<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-oLha6rDXz_M/W4BRE9KsAWI/AAAAAAAABGc/EDaoym9CgSEGYScgEY9pMgAsh3BBkAawACLcBGAs/s1600/Tow%2BTruck%2Bhubcap.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://2.bp.blogspot.com/-oLha6rDXz_M/W4BRE9KsAWI/AAAAAAAABGc/EDaoym9CgSEGYScgEY9pMgAsh3BBkAawACLcBGAs/s1600/Tow%2BTruck%2Bhubcap.jpg" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
You are browsing your favorite online reseller, when you
stumble upon a later model car. It looks beautiful and the price seems too good
to be true. Buried in the description, you see the words “rebuilt salvage” or “rebuilt
title”. But the car looks great. Should you buy it? Is a rebuilt salvage
vehicle worth the savings?</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Rebuilt Salvage Vehicles Sell for Less</h2>
<div class="MsoNormal">
For some people, the idea of saving thousands of dollars by
purchasing a rebuilt salvage vehicle is appealing. Maybe they cannot qualify
for a car loan, or are looking for a vehicle they can buy with cash. The low
price tag on a rebuilt salvage could give them access to a car when they
otherwise would be walking or relying on public transportation.</div>
<div class="MsoNormal">
<br /></div>
<h2>
How a Vehicle Becomes a Salvage</h2>
<div class="MsoNormal">
But that reduced price tag is there for a reason. Rebuilt
salvage vehicles get that designation because they were:</div>
<br />
<ul>
<li>In a severe accident</li>
<li>Flooded</li>
<li>Stolen and recovered after a major component was damaged or stripped </li>
</ul>
<br />
<div class="MsoNormal">
In Michigan, if a vehicle is damaged in a collision, it must be designated a “salvage” if the cost to repair it is between 75% and 90% of its
value before the crash. (Anything above 90% is considered unsalvageable.) When
an auto insurance company labels a vehicle totaled or salvageable, it will
offer a settlement (usually less than the damaged vehicle is worth) and buy the
vehicle from the owner.Under Michigan law, an insurance company who obtains title to a vehicle because it paid a total loss claim must obtain either a salvage or scrap title, regardless of the cost of repair. The only exception is a vehicle that is stolen and recovered with no major components damaged or missing. Unfortunately, most insurance companies will manipulate the estimated cost of repair and the pre-crash value of the vehicle to keep the ratio below the 75% salvage threshold.</div>
<div class="MsoNormal">
<br />
Then, the salvaging starts. The insurance company will sell the vehicle at auction to a person with the ability
to rebuild it. When that happens, the vehicle should be issued a new orange title
branded “Salvage”. These vehicles cannot be registered with the state or driven
on public roads.</div>
<div class="MsoNormal">
<br /></div>
<h2>
What It Takes to Get a Rebuilt Title</h2>
<div class="MsoNormal">
Before the new buyer can turn around and sell the vehicle,
he or she must rebuild it. But that doesn’t mean it must be restored to good
condition. Once the vehicle is rebuilt, it must be inspected by the Michigan State Police. However, that inspection may only include determining whether:</div>
<br />
<ul>
<li>The car is complete (for the most part)</li>
<li>None of the traceable pieces are stolen</li>
</ul>
<br />
<div class="MsoNormal">
The inspector who certifies the vehicle does not even drive it.
The car is only turned on to make sure the exhaust isn’t too loud. As long as the car has all its pieces and isn’t stolen, the
inspector will certify it as a rebuilt salvage vehicle, which can be registered
and driven legally, even if it isn't safe to drive. </div>
<div class="MsoNormal">
<br /></div>
<h2>
How to Know if a Rebuilt Salvage Vehicle is Safe to Drive</h2>
<div class="MsoNormal">
Since the MSP Inspector isn’t looking at safety, you should
have any rebuilt salvage vehicle thoroughly inspected by your own mechanic before
you buy. You want everything checked out, because you won’t necessarily know what
damage was done by the flood waters or the accident. You should also order a
vehicle history report. This should show any accidents or thefts involving the
vehicle, so your inspector will know what to look for. Because rebuilders often take "shortcuts," you should have your inspector pay particularly close attention to safety equipment. Common problems include:<br />
<ul>
<li>Fake or non-working airbags</li>
<li>Seatbelts that were not replaced after the collision</li>
<li>Bent frames</li>
<li>Missing suspension components.</li>
</ul>
</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Even if your rebuilt wreck does pass inspection, you should
still be prepared for the unexpected while you own the vehicle. Parts may fail,
or you may have problems related to the damage done before you bought the car.
You may find yourself dealing with electrical problems for a flood car, or that
your tires wear out sooner if your car’s frame is bent.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Buying a rebuilt salvage vehicle can sometimes be worth the
savings. It can provide low-income families with a drivable vehicle when they
wouldn’t otherwise qualify for a loan or have the cash to buy used. But you
need to know what you are getting going in. And you need to be prepared to spend
more in repairs and maintenance than you would with a traditional used car. Knowing
what to expect can be the difference between a smart investment and wreck by
the side of the road.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law lawyer</a> at The
Liblang Law Firm, PC, in Birmingham, Michigan. She helps the victims of auto
fraud and people who unknowingly purchase rebuilt salvage vehicles. If your
used car has turned out to be a rebuilt wreck, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
today for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-30044422074087062018-08-22T15:00:00.000-07:002018-08-22T15:00:14.109-07:00Mass Tort or Class Action: Know the Difference<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-kebCRHjW5ro/W3XUoHwF6xI/AAAAAAAABGI/vE9dhHZm7bMZCiqexe7urwneBDPfHLZRwCLcBGAs/s1600/Brakes%2BRepair.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Mass Tort or Class Action: Know the Difference" border="0" data-original-height="248" data-original-width="623" src="https://3.bp.blogspot.com/-kebCRHjW5ro/W3XUoHwF6xI/AAAAAAAABGI/vE9dhHZm7bMZCiqexe7urwneBDPfHLZRwCLcBGAs/s1600/Brakes%2BRepair.jpg" title="Mass Tort or Class Action: Know the Difference" /></a></div>
<br />
A manufacturer or company’s bad behavior can hurt hundreds,
sometimes thousands of people. When those people come together in a lawsuit, it
may be as part of a mass tort or class action. The differences between these cases
may seem like legalese, but they can significantly affect your rights.
<br />
<div class="MsoNormal">
Class actions and mass torts are both lawsuits that can be
brought when many people suffer harm because of a similar situation. But the legal
differences between a class action and a mass tort could hurt your rights if
you don’t know how to respond when notices arrive. </div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<div class="MsoNormal">
Consider a fictional example of ABC Trucks, an auto
manufacturer of motor vehicles. Because of a manufacturing defect, ABC Trucks’
vehicles have unexpected brake failure, resulting in serious auto accidents.</div>
<div class="MsoNormal">
<br /></div>
<h2>
What is a Class Action?</h2>
<div class="MsoNormal">
A class action is a lawsuit where one or a small group of “representative
plaintiffs” bring a lawsuit against defendants on behalf of everyone in the
same situation (the class). The representative plaintiffs file their lawsuit and
ask the court to “certify” the class action to cover everyone within the same
category. Before the court will certify the class, the plaintiffs must show
that:</div>
<br />
<ul>
<li>The problem affects so many people, adding them
all individually is impractical</li>
<li>They can represent the interests of the entire
class of injured people, without creating a conflict of interest</li>
<li>Their claims are representative of the kind of
harm suffered by the class</li>
<li>The case centers on one act or pattern of
behavior by the defendant</li>
</ul>
<br />
<div class="MsoNormal">
John Smith and Jane Doe want to sue ABC Trucks as a class
action for injuries caused by their vehicles’ brake failure. Their complaint
requests that the court certify a class of “all persons in the United States
injured as a result of brake failure” on the specific make and model of ABC
Truck. ABC Trucks sold more than 100,000 of those trucks, all with the defect.
Smith was seriously injured when his truck’s brakes failed, and Doe’s son was
killed when an ABC Truck struck him.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The trial court judge will decide whether the four
conditions for a class action are met. If they are, the judge will certify the
class and anyone in the U.S. injured as a result of brake failure will be
covered by a single lawsuit.</div>
<div class="MsoNormal">
<br /></div>
<h2>
What is a Mass Tort?</h2>
<div class="MsoNormal">
Mass tort claims (sometimes called “Mass Action” lawsuits)
are complex cases where large numbers of victims bring individual claims
against the same defendants for harm done by the same conduct. While some mass
tort cases can be filed as class actions, the category can also include cases
where each plaintiff suffered different types of injuries, or are connected to
defendant’s behavior differently. Some mass torts are class actions that failed
certification.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Smith and Doe have recruited 250 other plaintiffs, each of
whom suffered injuries because of ABC Trucks’ brake defect. These plaintiffs
are all able to pool their resources to prove many portions of the product
defect claim. However, because each plaintiff’s case is taken individually,
they will each demonstrate the harm suffered, their connection to the defect,
and the damages they are entitled to.</div>
<div class="MsoNormal">
<br /></div>
<h2>
How Are Your Rights Affected by a Mass Tort or Class Action?</h2>
<div class="MsoNormal">
The risk related to mass torts is primarily a risk of
missing out on coordinated litigation. If you have suffered an injury already
litigated in a mass tort you will have to bear all the costs of going to court
yourself, rather than sharing them with your co-plaintiffs.</div>
<div class="MsoNormal">
<br /></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope return"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
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Class actions carry bigger risks, because the settlement or
jury verdict <a href="https://lemonlawlawyer.blogspot.com/2017/09/when-is-class-action-lawsuit-bad-idea.html">applies
to everyone in the class</a>. That is why class actions require representative
plaintiffs to send notices out to prospective class members, telling them that they
will be part of the class unless they choose to opt out. If your injuries were
significantly more serious, it may be better for you to opt out and start from
square one.</div>
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Understanding the differences between complex litigation
strategies takes years of legal expertise and experience. But everyone should
know enough about mass torts and class actions to avoid missing out or having
their rights compromised because they ignored a notice.</div>
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<br /></div>
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<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/personalinjury.html">personal
injury attorney</a></span> at The Liblang Law Firm, PC, in Birmingham,
Michigan. She helps the victims of manufacturing defects and other mass torts
be compensated for their injuries. <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/contact.html">Contact The Liblang Law Firm</a></span>
for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com2tag:blogger.com,1999:blog-6318227480497632923.post-23473466562249051562018-08-15T15:00:00.000-07:002018-08-15T15:00:09.568-07:00FBI Uncovers $4.5 Million Classic Car Fraud Scheme to Steal from Collectors<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-utrlsgTazts/W2yy-CGXeoI/AAAAAAAABF0/5cvulexR-BsaGrglzZHX7wvcvM4jPulywCLcBGAs/s1600/ClassicCaddy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="FBI Uncovers $4.5 Million Classic Car Fraud Scheme to Steal from Collectors" border="0" data-original-height="248" data-original-width="623" src="https://1.bp.blogspot.com/-utrlsgTazts/W2yy-CGXeoI/AAAAAAAABF0/5cvulexR-BsaGrglzZHX7wvcvM4jPulywCLcBGAs/s1600/ClassicCaddy.jpg" title="Classic Car" /></a></div>
<div class="MsoNormal">
It’s August in Metro Detroit, and that means it’s time for
the Dream Cruise and classic cars. If you are thinking about getting in on the
fun with a classic car purchase, you will want to know about a $4.5 million classic
car fraud scheme recently uncovered by the FBI, and how to make sure you’re not
taken advantage of too.</div>
<a name='more'></a><br />
<h2>
25 Men Steal $4.5 Million from Classic Car Collectors in Auto Fraud Scheme</h2>
<div class="MsoNormal">
Imagine scouring the internet to find your favorite classic
car. You finally locate it and negotiate a price with the seller, but then the
vehicle never arrives. You lose thousands of dollars and may be forced to pay
an auto loan for years for a vehicle you never owned.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
That has been happening for the last two years in a <a href="https://www.msn.com/en-us/autos/classic-cars/fbi-halts-dollar45-million-classic-car-fraud-scheme/ar-BBLDo5j">classic car fraud scheme recently uncovered</a> by the Federal Bureau of Investigation
(FBI). According to the federal indictments filed in the District Court of
Southern New York, 25 co-conspirators worked together between November 2016 and
July 2018 to collect $4.5 million and smuggle the money out of the country to
accounts held in Eastern Europe.</div>
<div class="MsoNormal">
<br /></div>
<h2>
How the Classic Car Fraud Scheme Worked</h2>
<div class="MsoNormal">
The men involved acted as auto dealers and collectors,
posting classic cars on well known Internet auction and trading websites,
claiming the cars were for sale. When a collector contacted them to purchase
the classic cars, they would negotiate a price and then refer the would-be
buyers to a supposed automotive-transportation company for payment and delivery. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But those companies were shell companies. They would demand
the money from collectors up front and then deposit the funds into corporate
bank accounts controlled by the co-conspirators. Quickly – sometimes the same
day – the men would start to withdraw the funds and transfer them to accounts
overseas. They were careful to withdraw the funds in small and varying amounts,
to avoid the banks reporting them for wire fraud. The collectors were left without
the classic car they thought they had purchased and were often not able to
recover their money. <span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Following an investigation, the FBI filed indictments against
all 25 co-conspirators, charging them with conspiracy to commit wire fraud and
conspiracy to commit concealment money laundering. </div>
<div class="MsoNormal">
<br /></div>
<h2>
How Not to Fall for a Classic Car Fraud Scheme </h2>
<div class="MsoNormal">
If you are a collector, you need to protect yourself against
classic car fraud schemes like the one that hit the courts last week. In the sale
of any used vehicle, information is key. Before you commit to payment, get specific
details about the car in question. Ask for the VIN and the history of the vehicle.
Get an accident report, like CARFAX, to find out the classic car’s condition and
make sure it is what the seller claims it is. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If possible, ask for a new and different photo of the
vehicle not already available on the internet listing. This helps ensure that
the seller actually has access to the vehicle. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
As time consuming as it can be, arrange to pick up the vehicle
yourself. This will allow you to inspect the vehicle in person before handing
over the purchase price. If you can’t do it yourself, insist on an independent
inspection by a local mechanic who can validate the quality of the vehicle and
its condition.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Protecting yourself against a classic car scheme takes
diligence and a willingness to travel for your passion. If you cut corners or
allow the seller to direct the transportation, you could find yourself without
the money, or the car. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">consumer protection
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She helps
the victims of car fraud schemes recover their payments and <a href="http://www.lemonlawlawyers.com/collection.html">stop collection companies</a>
from coming after them. If you have been the victim of auto fraud, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC</a>, for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-25783661504888409432018-08-08T15:00:00.000-07:002018-08-08T15:00:05.516-07:00Gym’s Trans-Affirming Policy Violates Michigan Consumer Protection Act, Court Says<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-kn8zd2keX3s/W2RamLS4a-I/AAAAAAAABFg/vJyjoodfDwkippkJKdq33sKRpvn9tPK-ACLcBGAs/s1600/Gym.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gym’s Trans-Affirming Policy Violates Michigan Consumer Protection Act, Court Says" border="0" data-original-height="248" data-original-width="623" src="https://1.bp.blogspot.com/-kn8zd2keX3s/W2RamLS4a-I/AAAAAAAABFg/vJyjoodfDwkippkJKdq33sKRpvn9tPK-ACLcBGAs/s1600/Gym.jpg" title="Gym’s Trans-Affirming Policy Violates Michigan Consumer Protection Act, Court Says" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"><br /></span></div>
<div class="MsoNormal">
Would you want to know if your gym was trans-affirming
before you paid for your membership? Would it bother you to share a locker room
with people whose biological sex was different than yours? One gym’s trans-affirming
policy has been up for debate in the courts for years. Now the Michigan Court
of Appeals has said that the unwritten policy could have violated the Michigan
Consumer Protection Act.</div>
<a name='more'></a><br />
<h2>
Locker Rooms Become Controversial When Trans* Rights Are Involved</h2>
<div class="MsoNormal">
When it comes to gender identity and transgender individuals,
bathrooms are controversial. Those opposed to LGBT-inclusive policies complain about
the threat of “a man who identified as a woman” in a restroom or locker room
that aligns with his or her gender identity. But what does a trans-affirming
policy have to do with the Michigan Consumer Protection Act?</div>
<div class="MsoNormal">
<br /></div>
<h2>
Woman Sues Planet Fitness for Unwritten Trans-Affirming Policy</h2>
<div class="MsoNormal">
Yvette Cormier joined Planet Fitness on January 28, 2015.
One month later she encountered a transgender woman in the women’s facilities. Concerned
with what she called a “man in the women’s locker room”, she went to the front
desk to complain. There she was told that the gym had a trans-affirming policy
that allows any member to use the facility that corresponds with his or her self-identified
gender identity. Cormier called the corporate office about the issue, only to
be told that Planet Fitness has a policy of not judging whether a person is a
man or a woman when using its facilities. Cormier then returned to Planet
Fitness several times to warn other gym users. Eventually the gym canceled her
membership for causing disruption.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Cormier sued Planet Fitness – both the local franchise and
the corporate entity. Among the several legal theories, she claimed Planet
Fitness had violated the Michigan Consumer Protection Act (MCPA). The trial
court dismissed her claims, as did the Court of Appeals. But the Michigan
Supreme Court said her claims warranted closer attention and remanded the case
<a href="http://publicdocs.courts.mi.gov/OPINIONS/FINAL/COA/20180726_C331286_83_331286O.OPN.PDF">back to the Michigan Court of Appeals </a>for further consideration.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Michigan Consumer Protection Act Defends Consumers from Business’s
Misrepresentations</h2>
<div class="MsoNormal">
The Michigan Consumer Protection Act defends against many
ways businesses try to pull the wool over consumers’ eyes. However, in most
cases the law removes intent. While many consumer protection initiatives are
targeting businesses that are intentionally manipulating consumers for their
own benefit, the law allows lawsuits when merchants unintentionally, even accidentally,
violate the MCPA. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Does an Unwritten Trans-Affirming Policy Violate the MCPA?</h2>
<div class="MsoNormal">
In this case, Cormier said Planet Fitness violated the MCPA
by:</div>
<br />
<ul>
<li><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Advertising services without intending to provide
them</li>
<li>Causing confusion or misunderstanding of a legal
right, obligation, or remedy</li>
<li>Causing consumers to waive rights, benefits, or
immunities</li>
<li>Making different oral and written statements</li>
<li>Failing to reveal a material fact which misleads
consumers</li>
<li>Making a consumer believe a material fact is different
than it actually is</li>
</ul>
<br />
<div class="MsoNormal">
The Court of Appeals quickly disregarded claims relating to
Cormier’s legal rights and remedies. It said that there was no conflict between
the oral and written statements of the company. Nor could the fact that Cormier
disagreed with the way the gym identified men and women amount to misleading
advertising. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
However, the court could not so easily dispose of the claims
relating to material facts. When Cormier joined the gym, its representative
said that the gym had separate restrooms and locker rooms for men and women.
The representative did <i style="mso-bidi-font-style: normal;">not</i> say how
admission to these facilities would be monitored – by gender identity or
biological sex. The court said, given Cormier’s response to learning about the
gym’s trans-affirming policy, that distinction could be viewed as “important to
the transaction.” If Cormier knew that trans women would be permitted to share her
locker room, she would likely not have purchased the gym membership.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Ultimately, it was not Planet Fitness’s trans-affirming
policy that violated the MCPA. However, the court said the fact that the company did not
clarify its definition of “woman” may have been an omission of a material fact
that caused a consumer to enter into a transaction she otherwise wouldn’t have,
making the unwritten and undisclosed policy a violation of Michigan consumer
protection laws.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">consumer protection</a>
attorney at the Liblang Law Firm, PC, in Birmingham, Michigan. She helps consumers
who are manipulated into contracts they wouldn’t otherwise agree to. If you
have been lied to by a service provider, <a href="http://www.lemonlawlawyers.com/contact.html">contact the Liblang Law Firm</a>
for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-37235685624063478872018-08-01T15:00:00.000-07:002018-08-01T15:00:05.876-07:00Insurance Companies Can Cancel Innocent Third Party Benefits, Michigan Supreme Court Says<!--[if !mso]>
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of figures"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope return"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
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<a href="https://4.bp.blogspot.com/-2SZC-Fl_wKU/W1oK-e3G70I/AAAAAAAABFM/N0Lc1vYSmFE93MrWxW-IdLgApXbsLuXwACLcBGAs/s1600/Denied.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Insurance Companies Can Cancel Innocent Third Party Benefits, Michigan Supreme Court Says" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-2SZC-Fl_wKU/W1oK-e3G70I/AAAAAAAABFM/N0Lc1vYSmFE93MrWxW-IdLgApXbsLuXwACLcBGAs/s1600/Denied.png" title="Insurance Company Denial" /></a></div>
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<br /></div>
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<br /></div>
<div class="MsoNormal">
After a serious auto accident, should your insurance
coverage depend on the honesty of another person? The Michigan Supreme Court recently
said that insurance companies are allowed to cancel no-fault benefits paid to
an innocent third party if they can prove fraud when the contract was signed.</div>
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</div>
<a name='more'></a><br />
<h2>
Michigan No-Fault Act Protects Innocent Accident Victims</h2>
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Michigan law is designed to make sure anyone injured in an auto
accident can collect no-fault auto insurance benefits to pay for medical
expenses, lost wages, and other covered expenses. If you don’t have an auto
insurance policy of your own, the law sets out priorities for which insurance company
is required to pay the benefits:</div>
<br />
<ul>
<li>The policy of a relative you live with</li>
<li>The policy of the owner of the vehicle you were
driving</li>
<li>The policy of the owner or driver of another
vehicle involved in the accident</li>
<li>The Michigan Assigned Claims Facility</li>
</ul>
<br />
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If you are driving someone else’s vehicle or are a
passenger, pedestrian, or cyclist, you can work your way down the priority list
until you find an insurance policy to cover your costs.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Insurance Company Fraud Defenses Interfere With Claims for Benefits</h2>
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Finding the right insurance company is only the start of the
process. Increasingly, auto insurance providers are using technical details in
the application to cancel policies and avoid paying benefits to their
customers. By claiming customers committed “fraud” in their applications, they take
advantage of language buried in their contracts to void the policies and avoid
paying benefits, even when the customer has been diligently keeping up with
their insurance bills for years. This fraud often comes down to technicalities,
like:</div>
<br />
<ul>
<li>Where the vehicle is garaged</li>
<li>Failing to list secondary drivers</li>
<li>Omitting past accident history</li>
<li>Making claims for services or expenses not covered</li>
</ul>
<br />
<h2>
Innocent Third Party Doctrine Struck Down by Michigan Supreme Court </h2>
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This harsh result has generally been justified because it was a result
of the person’s own actions in applying for the policy. Until recently, Michigan
courts protected an innocent third party filing claims under the Michigan
No-Fault Act from those aggressive fraud defenses. Because they were not involved
when the contract was formed, courts said they should not be affected when
insurance companies didn’t research the truth of applicants’ claims before
issuing the policy.</div>
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<br /></div>
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Then, in 2012, the Michigan Supreme Court decided <i style="mso-bidi-font-style: normal;"><a href="http://courts.mi.gov/Courts/MichiganSupremeCourt/Clerks/Recent%20Opinions/11-12-Term-Opinions/142774-Opinion.pdf">Titan
Insurance Co v Hyten</a></i>. That case said it didn’t matter if misrepresentations
were easily discoverable. The insurance company was still entitled to fraud
defenses and did not waive them by waiting to do their investigation. But it
wasn’t clear if the court’s innocent third party doctrine still applied.</div>
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<br /></div>
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In 2016, in <i style="mso-bidi-font-style: normal;"><a href="https://law.justia.com/cases/michigan/court-of-appeals-published/2016/320518.html">Bazzi
v Sentinel Insurance Company</a>, </i>a Michigan Court of Appeals said that it
didn’t. Ali Bazzi had been driving his mother’s vehicle when he was in an auto
accident. But her insurance company denied him benefits because she had used a
commercial policy to insure her personal vehicle. The innocent third party
doctrine would have protected Bazzi, but the court said <i style="mso-bidi-font-style: normal;">Titan</i> eliminated that protection. </div>
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<br /></div>
<div class="MsoNormal">
In the past year, insurance companies across the state have
used the <i style="mso-bidi-font-style: normal;">Bazzi</i> decision to deny
injured motorists coverage. Personal injury attorneys and their clients have
been waiting to hear from the Michigan Supreme Court to find out if the innocent
third party doctrine was truly dead. </div>
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On July 18, 2018, the <a href="http://courts.mi.gov/Courts/MichiganSupremeCourt/Clerks/Recent%20Opinions/17-18%20Term%20Opinions/154442.pdf">state’s
highest court agreed</a> that <i style="mso-bidi-font-style: normal;">Titan</i>
had stripped injured motorists of the court-created protection. The Court reasoned
that insurance companies can raise “common-law” defenses, including fraud,
unless a statute says otherwise. Since the No-Fault Act didn’t limit fraud
defenses, the option was available to insurance companies, even when the case
involved innocent third parties.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The news wasn’t all bad for consumers, though. The Court
ruled that this is an “equitable” defense. If an insurance company wants to
avoid paying benefits because of misrepresentations on the application, the
state’s trial courts will have to decide if doing so is fair under the
circumstances. This case-by-case approach makes it important now, more than
ever, for injured motorists to hire an experienced personal injury attorney who
can fight against insurance companies and protect their access to no-fault
benefits.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/personalinjury.html">personal injury
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She represents
the victims of auto accidents against insurance companies. If you have been
seriously injured in a car crash, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm,
PC,</a> today for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-70630659628662647262018-07-25T15:00:00.000-07:002018-07-25T15:00:08.885-07:00The Hidden Lemon Law Cost to Buying Big Ticket Items as an LLC<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
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<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
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<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
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<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
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<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
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<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
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<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
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<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="52"
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<w:LsdException Locked="false" Priority="46"
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<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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</w:LatentStyles>
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table.MsoNormalTable
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mso-tstyle-rowband-size:0;
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mso-style-noshow:yes;
mso-style-priority:99;
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mso-para-margin-top:0in;
mso-para-margin-right:0in;
mso-para-margin-bottom:8.0pt;
mso-para-margin-left:0in;
line-height:107%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri",sans-serif;
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
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<![endif]-->
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-3VTst_2QQfU/W1JoL6NtqAI/AAAAAAAABE4/TqwZOHGQBAYQ3btEmY76uGQsWqXx7Me2ACLcBGAs/s1600/RV.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Hidden Lemon Law Cost to Buying Big Ticket Items as an LLC" border="0" data-original-height="248" data-original-width="623" src="https://2.bp.blogspot.com/-3VTst_2QQfU/W1JoL6NtqAI/AAAAAAAABE4/TqwZOHGQBAYQ3btEmY76uGQsWqXx7Me2ACLcBGAs/s1600/RV.jpg" title="The Hidden Lemon Law Cost to Buying Big Ticket Items as an LLC" /></a></div>
<div class="MsoNormal">
You are ready to put down money on a big-ticket item – maybe
a vacation home, new vehicle, RV, or boat. You may think it is a good idea to
create an LLC so you can claim the purchase is business related and pay less
taxes. But in addition to the risk of tax fraud, that strategy could trigger a
hidden lemon law cost if your big purchase turns out to be defective.</div>
<a name='more'></a><br />
<h2>
Consumer Goes Through Cross-Country Trip to Repair Lemon RV</h2>
<div class="MsoNormal">
In 2012, Nicholas Knopick bought himself a luxury
recreational vehicle (RV) for $414,583. To cut down on taxes, he created a
business entity, Montana Freedom Rider, LLC, and signed the purchase documents
on behalf of that company.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Unfortunately, Mr. Knopick’s new, very expensive RV was also
very poorly made. Almost immediately after purchasing it, he discovered the RV:</div>
<br />
<ul>
<li><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Leaked</li>
<li>Smelled like sewage</li>
<li>Had paint problems</li>
<li>Had bedspreads screwed into the furniture</li>
<li>Had staples sticking out of the carpet</li>
</ul>
<br />
<div class="MsoNormal">
Mr. Knopick then engaged in a cross-country, months-long expedition
to repair his defective RV. Even after months of repairs, ultimately, Knopick
was still unhappy with the quality of the vehicle and requested a full refund,
but Jayco refused.</div>
<div class="MsoNormal">
<br /></div>
<h2>
RV Purchased for LLC Voided Consumer Warranty, Court Says</h2>
<div class="MsoNormal">
Knopick sued Jayco for violating federal and state consumer
protection laws, specifically the Magnuson-Moss Warranty Act. He said the
company had violated its warranty on the vehicle by refusing to buy it back. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But Jayco said that as an owner of a company, Knopick didn’t
have the same rights under the contract as a consumer would. The limited
warranty on the RV said it “does not cover … any RV used for rental or other
commercial purposes.” The contract defined commercial purposes to include any
time “the RV owner or user files a tax form claiming any business or commercial
tax benefit related to the RV, or if the RV is purchased, registered or titled
in a business name.” Any repairs made to an RV held for commercial purposes
were deemed “good will” and did not change the terms of the contract.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
According to the Seventh Circuit Court of Appeals in <i style="mso-bidi-font-style: normal;"><a href="https://law.justia.com/cases/federal/appellate-courts/ca7/17-2285/17-2285-2018-07-11.html?utm_source=summary-newsletters&utm_medium=email&utm_campaign=2018-07-12-us-court-of-appeals-for-the-seventh-circuit-fe39cc9886&utm_content=text-case-title-2">Knopick
v Jayco Inc.</a></i>, Jayco was right. The court said the plain language of the
contract meant that by purchasing the RV as the sole member of the LLC, Knopick
cheated himself out of lemon law protections designed to safeguard consumers
against manipulative business practices. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Consumer protection laws, including the Magnuson-Moss
Warranty Act, generally only apply to people who bought or leased goods,
services, or real estate for “personal, family, or household purposes.” By
listing the RV as a company asset, even if the company’s only purpose was to
possess the vehicle and avoid higher consumer taxes, Knopick triggered hidden
lemon law costs by removing himself from the definition of a consumer.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Anti-Consumer Decision Could Convince RV Dealers to Push Business Purchases</h2>
<div class="MsoNormal">
When the Seventh Circuit took a black-and-white approach to
who qualifies as a consumer it created an incentive for RV dealerships to push
buyers into creating these single-purpose LLCs. A similar situation happened
several years ago when loan companies adopted policies where they would invite
consumers to incorporate shell companies to receive their loans. This would allow
the loan company to charge a higher interest rate without violating consumer loan
interest laws. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The lemon laws connected to a big-ticket item like a luxury RV
can cost hundreds of thousands of dollars per vehicle. The court even signaled the
use of the practice in its opinion, saying:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“The exclusion clause
serves as a defense, shielding Jayco from liability under the express warranty,
based on Knopick’s <b style="mso-bidi-font-weight: normal;">(and perhaps the
dealer’s)</b> choice about how to handle the purchase and title of the RV.”</div>
</blockquote>
<br />
<div class="MsoNormal">
Typically, an RV buyer would never see that clause until
after the purchase is done. Those warranties are included in the owner’s
manual, which is delivered along with the vehicle after the deal is done. That
means buyers would have no way to know the hidden lemon law costs to creating
an LLC to purchase their big-ticket items until it was too late to protect their
consumer protection rights.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law attorney</a> at
The Liblang Law Firm, PC, in Birmingham, Michigan. She helps buyers use
consumer protection laws to get their defective vehicles repaired or replaced.
If you purchased a lemon RV, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm,
PC,</a> today for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com1tag:blogger.com,1999:blog-6318227480497632923.post-49848467346529093042018-07-18T15:00:00.000-07:002018-07-18T15:00:02.411-07:00Kids, Campgrounds, and Unsupervised Play: A Parents’ Guide<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-qPQ0XWtakjo/W0elmaPliGI/AAAAAAAABEk/avOmCFMdPyosw0lIfltRWbA9iJONAf4vACLcBGAs/s1600/Campground.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Kids, Campgrounds, and Unsupervised Play: A Parents’ Guide" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-qPQ0XWtakjo/W0elmaPliGI/AAAAAAAABEk/avOmCFMdPyosw0lIfltRWbA9iJONAf4vACLcBGAs/s1600/Campground.jpg" title="Kids, Campgrounds, and Unsupervised Play: A Parents’ Guide" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
For many families, summer in Michigan means vacations up
north and trips to the state and county fairs. Often, parents use these
weekends to give their kids a chance at unsupervised play in the relative
safety of the campgrounds. But those properties also come with certain risks.
Find out what a parent’s duty to supervise is when a child is injured on a campground.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Tragic Accident at State Fair Ground
Leads to Wrongful Death Lawsuit</h2>
<div class="MsoNormal">
Ezekiel Goodwin was a 6-year-old participant of the Northwest
Michigan state fair. He and his family were camping on the fairgrounds on
August 8, 2012, when he needed to go tend to his pony. His father, Jeff told
him to ride ahead on his bicycle and that he would meet Ezekiel at the
fairgrounds.</div>
<div class="MsoNormal">
Tragically, as Ezekiel rode along the campground service
drive, he was struck by another patron of the campgrounds, Tad Thompson, who
was backing his truck up to head to the feed lot. A witness reported that young
Ezekiel sat on his bike and just watched as the truck slowly backed up into
him. He did not survive his injuries.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Campground Injury Creates Premises Liability Question about Unsupervised
Play</h2>
<div class="MsoNormal">
Ezekiel’s mother, Rebecca Goodwin, sued The Northwest
Michigan Fair Association and Tad Thompson for wrongful death based on
negligence and premises liability. The trial court judge instructed the jury to
determine if there had been negligence, and then divide the fault between the
two defendants. The Fair Association said that the jury should also consider
whether Jeff Goodwin was negligent in allowing his son to ride his bike
unsupervised, but the trial court said Jeff was protected by parental immunity.
<a href="https://law.justia.com/cases/michigan/court-of-appeals-published/2018/333963.html">On
appeal</a>, the Fair Association asked the Michigan Court of Appeals to decide
whether parental immunity meant the jury could not consider Jeff’s role in the
accident when dividing damages among the defendants.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Parents’ Duty to Supervise and Parental Immunity</h2>
<div class="MsoNormal">
Under Michigan law, a parent has a duty to care for and
watch over their children. Responsible parents cannot “allow their children ‘too
young to understand danger’ to wander unattended. There is a duty to supervise
and make certain kids don’t put themselves in danger.</div>
<div class="MsoNormal">
However, while parents have a duty to supervise, they also
are protected from being sued for tort liability if the negligence has to do
with:</div>
<br />
<ul>
<li><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>The “exercise of reasonable parental authority
over the child” or</li>
<li>The “exercise of reasonable parental discretion with
respect to the provision of food, clothing, housing, medical and dental services,
and other care.”</li>
</ul>
<br />
<div class="MsoNormal">
What is “reasonable” depends on the age of the child. The
court said the jury should have been allowed to consider whether the decision to
let Ezekiel engage in unsupervised play was reasonable, but only to the extent
of distributing fault among the defendants. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Protecting Children from Open and Obvious Dangers under Premises Liability</h2>
<div class="MsoNormal">
The Fair Association also said it was not liable because the
danger of vehicles using the service drive was “open and obvious”. Normally, a property
owner does not have to warn visitors of dangers that are openly visible and
obviously risky to a reasonable (adult) person unless there is something about
the hazard that makes it unreasonably dangerous. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Kids love danger. As one court said:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“In particular, when there
are children on the land, a landowner is ‘obligated to anticipate and take into
account [the child’s] propensities to inquire into or to meddle with conditions
which he finds on the land[.]’ <i>Bragan v Symanzik</i>, 263 Mich App 324, 326, 328,
335; 687 NW2d 881 (2004).</div>
</blockquote>
<br />
<div class="MsoNormal">
For children above age 7, the court said a modified “open
and obvious” rule can apply, as long as it measures the risk according to a “reasonably
careful minor of [similar] age, mental capacity and experience”. But children
under 7 are assumed not to understand the dangers around them. Because of this,
the court said there was no open and obvious defense when a child younger than
7 is hurt on the property.</div>
<div class="MsoNormal">
<br />
Ultimately, it will be up to the jury to decide if Jeff made a reasonable decision to allow Ezekiel to engage in unsupervised play, and if the campground did what it should have to protect children from the dangers of vehicles on its service drive. What <i>Goodwin</i> warns is that even when parents' decisions are perfectly appropriate, when a child is hurt, they may have to justify their choices to escape the blame game.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/personalinjury.html">personal injury
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. If your child
was hurt because of a property owner’s negligence, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm,
PC</a>, today for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-10437142476131174742018-07-11T15:00:00.000-07:002018-07-12T11:58:32.515-07:00Auto Dealer Fraud vs Lemon Law: Know the Difference<!--[if gte mso 9]><xml>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-OGYBrsB-nHE/Wz5xKR3B84I/AAAAAAAABEQ/yw5V9j08HwEJanQOChte0XcIywcxMGRSQCLcBGAs/s1600/Car%2BDealership%2BBlur.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Auto Dealer Fraud vs Lemon Law: Know the Difference" border="0" data-original-height="248" data-original-width="623" src="https://1.bp.blogspot.com/-OGYBrsB-nHE/Wz5xKR3B84I/AAAAAAAABEQ/yw5V9j08HwEJanQOChte0XcIywcxMGRSQCLcBGAs/s1600/Car%2BDealership%2BBlur.jpg" title="Auto Dealer Fraud vs Lemon Law: Know the Difference" /></a></div>
<div class="MsoNormal">
In the legal world, the way you label your case can be the
difference between meaningful relief and a motion to dismiss. It’s important to
know ahead of time whether what you are dealing with is auto dealer fraud vs
lemon law. It can affect your claim, and the remedies available when things go
wrong.</div>
<div class="MsoNormal">
<br /></div>
<a name='more'></a><br />
<h2>
Auto Dealer Fraud Usually Happens on the Lot</h2>
<div class="MsoNormal">
Both auto dealer fraud and lemon law are forms of consumer
protection connected to car sales. But in most cases, they are separate and
distinct legal claims. Auto dealer fraud includes a variety of unlawful and deceptive
practices by automotive dealers <i style="mso-bidi-font-style: normal;">during</i>
the vehicle purchase. That means they generally happen on the lot at
the dealership. You may be the victim of auto dealer fraud if the dealer:</div>
<br />
<ul>
<li>Uses false advertising</li>
<li>Tells you that the advertised vehicle is gone or
now costs more and pressures you into a more expensive or less desirable purchase</li>
<li>Doesn’t disclose interest or other costs rolled
into your monthly payment </li>
<li>Fails to disclose important details about your
used vehicle, like its accident history, use as a rental vehicle, or that it
was “salvaged” or flood-damaged</li>
<li>Alters the vehicle to make it more appealing,
including rolling back the odometer</li>
<li>Offers <a href="https://lemonlawlawyer.blogspot.com/2017/11/dont-fall-for-yo-yo-financing-schemes.html">yo-yo
financing</a> and then demands you pay more or return the vehicle when the “preapproved”
deal falls through</li>
</ul>
<br />
<br />
<h2>
Lemon Law Problems Happen After the Deal is Done</h2>
<div class="MsoNormal">
By contrast, the problems covered by <a href="http://www.lemonlawlawyers.com/lemon101.html">Michigan lemon law</a>
generally don’t appear until weeks or months after the sale is complete and the
vehicle leaves the lot. Legally speaking, a “lemon” is a new (or sometimes
used) vehicle delivered with a manufacturer's warranty that continues to have the same mechanical problem even after
several repair attempts. The mechanical problem must substantially affect the
way you use the vehicle or its resale value. Alternatively, a vehicle that spends 30 or more days or parts of days (including a 5-day "last chance" window) during the first year of lease or ownership for the same or different problems also qualifies as a "lemon". The problem is often a
manufacturing defect which may be the subject of a vehicle recall or could be
isolated to only your vehicle. </div>
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<br /></div>
<h2>
Auto Dealer Fraud vs Lemon Law: Why Does it Matter?</h2>
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The legal differences in auto dealer fraud vs lemon law
litigation are big enough that choosing the wrong type of lawsuit can cause
your case to be dismissed. In an auto dealer fraud case, you and your consumer
protection attorney must demonstrate:</div>
<br />
<ul>
<li>The dealer made certain representations or withheld material information it had a duty to disclose</li>
<li>Those representations were false, misleading, or
coercive</li>
<li>The person or company making the representations
knew they were false at the time</li>
<li>You suffered damages and had to pay costs because of
the auto dealer’s fraudulent behavior.</li>
</ul>
<br />
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In lemon law, what really matters is what happened in the
year <i style="mso-bidi-font-style: normal;">after</i> the purchase or lease agreement was
signed. While the warranties (promises) made by the manufacturer are
important, the terms of sale aren’t involved. Instead, you and your lemon law
attorney will have to show that: </div>
<br />
<ul>
<li>The manufacturer provided a written warranty covering the vehicle </li>
<li>The vehicle was serviced more than three times
for the same issue,or accumulated more than 25 days or parts of days out of service due to repairs</li>
<li>The issue affected your use of the vehicle,
substantially reduced its value, or cost you money to have the issue addressed unless you are relying on the days out of service -- in that case, the time out of service alone substantially affects your use of the vehicle.</li>
</ul>
<br />
<div class="MsoNormal">
There are some cases where auto dealer fraud and lemon law
violations happen connected to the same car. If that happens, you and your
lawyer can bring a lawsuit raising both claims together. In either type of case
you can seek compensation for your losses. You may also be compensated for the
differences between what was promised and what was delivered. In some cases, your
vehicle could also be replaced, and you may be entitled to recover attorney fees and costs for the
trouble of taking the matter to court.</div>
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<br /></div>
<div class="MsoNormal">
In deciding between auto dealer fraud and lemon law claims,
the key is often in whether the problem happened at the dealership or arose
after the fact. Distinguishing between the two types of lawsuits can be
difficult. You need an experienced lemon law lawyer with experience in auto
dealer fraud to help you file and prove your case, so you can get back on the
road.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/lemon101.html">lemon
law attorney</a></span> at The Liblang Law Firm, PC, in Birmingham, Michigan.
She represents consumers who purchase defective vehicles or were the victim of
auto dealer fraud. <span class="MsoHyperlink"><a href="http://www.lemonlawlawyers.com/contact.html">Contact The Liblang Law
Firm, PC</a></span>, today for a consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-61563973017371425442018-07-04T15:00:00.000-07:002018-07-04T15:00:06.126-07:00Selling Defective Puppies? Local Pet Store Sued for Consumer Protection Violations<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-nwFX2Ucswqw/WzOqZ_EwGlI/AAAAAAAABD4/ezFRAroAz404r440ZjJxvJWW13CjaG_2QCLcBGAs/s1600/DefectivePuppy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Selling Defective Puppies? Local Pet Store Sued for Consumer Protection Violations" border="0" data-original-height="248" data-original-width="623" src="https://3.bp.blogspot.com/-nwFX2Ucswqw/WzOqZ_EwGlI/AAAAAAAABD4/ezFRAroAz404r440ZjJxvJWW13CjaG_2QCLcBGAs/s1600/DefectivePuppy.jpg" title="Selling Defective Puppies? Local Pet Store Sued for Consumer Protection Violations" /></a></div>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="header"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
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<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
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<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
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<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
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<![endif]-->The term “product defect” usually brings to mind vehicles
breaking down or problems with packaging. But could a company get into
regulatory trouble for selling defective puppies? A recent lawsuit against a pet
shop owner in Novi, Michigan tests the limits of Michigan’s Consumer Protection
Act.<br />
<a name='more'></a><br />
<h2>
Defective Puppies Were Sick and Contagious, Lawsuit Says</h2>
<div class="MsoNormal">
When you bring home a new puppy from the breeder or pet
store, it’s supposed to be a happy event. When adopting a new four-legged
family member you expect that the pet store did its work to make sure the
animal is healthy and will make a long-term addition to your household. That’s
especially true when the pet store owner or workers give you a written promise
of health, welfare, and origin.</div>
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<br /></div>
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But that wasn’t true for one local pet store, says a <a href="https://www.scribd.com/document/373855044/VIEW-THE-LAWSUIT">recent
lawsuit filed in Oakland County Circuit Court</a>. The plaintiff buyers say the
pet store sold them defective puppies that suffered from genetic defects and
contagious diseases costing the families thousands of dollars in veterinary
bills. Some of the plaintiffs even claim they had to put down their other
family pets when they caught infections from the defective puppies. They sued
the pet shop for breach of contract, fraud, and violations of the Michigan
Consumer Protection Act for misrepresentations related to the sale of defective
products.</div>
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<br /></div>
<h2>
Can a Puppy Be a Defective Product?</h2>
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Pets may feel like part of the family, but there is no legal
difference between the puppy you adopt and the dog food you feed it – they are
both considered “goods” and “products” under Michigan law. That means that a
puppy can be defective if it does not live up to express promises and implied
warranties connected to the sale of those products. In the case of the product
defect lawsuit against the pet store, the plaintiffs say the defendant had promised
or implied that each dog:</div>
<ul>
<li>Had been vaccinated by a veterinarian</li>
<li>Had passed a health inspection by a veterinarian</li>
<li>Was free of parasites, worms, diseases, and
genetic defects</li>
<li>Was fit for its purpose as a companion animal</li>
<li>Was in sound physical condition</li>
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The lawsuit said that the defective puppies were not their
stated ages, and were sold with intestinal parasites, worms, genetic defects,
and contagious diseases, including Parvo. But when the pet owners asked the
defendant to fix the defects by paying vet bills or replacing the puppies, the
pet store is said to have refused.</div>
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<br /></div>
<h2>
Suing to Fix Defective Puppies</h2>
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If there were problems with a pet purchased from the pet
store, the contract signed stated and Michigan law implied that the pet store
would correct the defects within a reasonable time or replace the dogs without
cost to the pet owners.</div>
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<br /></div>
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The lawsuit asked the Oakland County Circuit Court to:</div>
<ul>
<li>Declare the puppies were defective</li>
<li>Prevent the pet store from selling animals while
the lawsuit goes forward</li>
<li>Require the pet store to pay for veterinary care
to cure the diseases</li>
<li>Require the pet store to replace the defective
animals</li>
<li>Award the plaintiffs money damages, costs, and
reasonable attorney fees</li>
</ul>
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For its part, the Novi-based pet store denies that it <a href="http://www.theoaklandpress.com/general-news/20180314/novi-petland-sued-for-allegedly-selling-diseased-and-sick-puppies">uses
puppy mills or sold any sick puppies</a>. The lawsuit has been referred to
mediation, so the parties can try to resolve the dispute. </div>
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<br /></div>
<div class="MsoNormal">
The Michigan Consumer Protection Act is designed to protect consumers,
no matter what the good or product. When it comes to defective puppies, the law
is designed to make pet store owners live up to their promises and resolve
problems with the health and fitness of pets present at the time of sale.
Purchasing a sick animal can end up costing pet owners thousands of dollars in
veterinary bills, not to mention the emotional strain. They need to know that pet
store owners will be held to the terms of their contracts and the law to
correct the problems they create.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;"><a href="http://www.lemonlawlawyers.com/dkl.html">Dani K. Liblang</a> is a
consumer protection attorney and dog lover at The Liblang Law Firm, PC, in Birmingham,
Michigan. She helps consumers who purchase defective products get the remedies
they deserve. If you purchased a defective puppy, <a href="http://www.lemonlawlawyers.com/contact.html">contact the Liblang Law
Firm, PC</a>, for a consultation. </i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-18692959764944871032018-06-27T15:00:00.000-07:002018-06-27T15:00:05.141-07:00Arbitration Clause Sinks Fiat Chrysler Employees’ Lemon Law Claims<!--[if gte mso 9]><xml>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-w9680dzwz60/VhU7rXd_qhI/AAAAAAAAAQI/_ZEBT44whN8V9jvCBSWY9gdGmfZtc8gVwCPcBGAYYCw/s1600/Chrysler.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://3.bp.blogspot.com/-w9680dzwz60/VhU7rXd_qhI/AAAAAAAAAQI/_ZEBT44whN8V9jvCBSWY9gdGmfZtc8gVwCPcBGAYYCw/s1600/Chrysler.png" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
When you work for a car company, there’s a certain amount of
brand loyalty that goes along with the salary. Many auto manufacturers and
dealerships encourage this, offering employees, friends, and family significant
deals on the sale of new cars. But the arbitration clause in the fine print of
Fiat Chrysler’s employee discount form means you could be signing away a
successful lemon law claim if there are problems with the vehicle.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Employee Discounts Come with Strings Attached</h2>
<div class="MsoNormal">
Metro Detroit has a lot of residents working for the Big 3. Employees
of Ford, GM, and Chrysler often count on their employee discounts as part of
the perks of working for an auto manufacturer. These “friends and family” rates
are often available for employees from the assembly line to the tech centers.
And they can sometimes take thousands of dollars off the sticker price of the
vehicle.</div>
<div class="MsoNormal">
But for employees of Fiat Chrysler Automobiles, those
employee discounts come with strings attached. The employee claim form that entitles
you to a discount includes an arbitration clause. If the Jeep, Dodge, or Chrysler
vehicle you buy turns out have manufacturing defects, this contract says you won’t
be able to take those lemon law claims to court. Instead, you’ll have to take
your claim to the National Center for Dispute Settlement (NCDS).</div>
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<br /></div>
<h2>
Paid Arbitration is Bad for Consumers with Lemon Law Cases</h2>
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There is nothing inherently bad about alternative dispute
resolution options like mediation or arbitration. When both sides are on an
even playing field, arbitration can get the parties an answer to their legal
dispute more quickly than going through the courts.</div>
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<br /></div>
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But that only works if both sides have equal stake in the
game. When large corporations – like Fiat Chrysler – hire arbitration firms – like
NCDS – to handle all their arbitration needs, it puts pressure on those
supposedly neutral decision makers. If an arbitrator decides for the consumer
too often, or decides the company needs to pay too much money, it could cost
the arbitration firm one of its biggest contracts. </div>
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<br /></div>
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If a Fiat Chrysler employee’s car turns out to be a lemon
and the matter gets sent to NCDS, there is less than a 10% chance they will win
their case. That’s compared to over an 90% chance of winning a lemon law claim
in state court. While Michigan lemon law and consumer protection laws shift
attorney fees onto the manufacturer of a defective product, you may still be on
the hook for arbitration fees even if you do win your case.</div>
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<br /></div>
<h2>
Arbitration Woes Extend Beyond Fiat Chrysler Employees</h2>
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Chrysler car buyers don’t have to be friends and family of
the company to get caught up in the arbitration trap. The Liblang Law Firm, PC,
has represented several lemon law plaintiffs who were slipped an “employee
claim form” by the dealer without their knowledge.</div>
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<br /></div>
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<a href="https://www.ftc.gov/system/files/documents/reports/2015-audit-national-center-dispute-settlement-automobile-warranty-arbitration-program/2015_ftc_national_audit.pdf">Fiat
Chrysler isn’t the only company that uses NCDS for their arbitrations</a>
either. According to the Federal Trade Commission audit in 2015, the arbitration
firm also handles cases for Acura, Honda, Lexus, Mitsubishi, Suzuki, Tesla, and
Toyota. </div>
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<br /></div>
<h2>
How to Avoid Arbitration Headaches and Protect Employees’ Lemon Law Claims</h2>
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Just because you get a paycheck from Fiat Chrysler doesn’t
mean you should lose your rights as a Michigan consumer. When it comes time to
buy a new car, take advantage of your FCA friends and family discount. But when
you are asked to sign an employee discount or employee claim form, take the
time to read the fine print. </div>
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<br /></div>
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Look for the paragraphs about mandatory arbitration or NCDS.
Then cross them out and write <b style="mso-bidi-font-weight: normal;">“I do not
agree to arbitration” </b>above them, or in the margin. Initial the change and
turn it back in. Many dealerships are more interested in making the sale than
they are in fighting over an arbitration clause. But if you don’t take the time
to cross it out, you could be signing away your right to file – and win – a
lemon law claim in court.</div>
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<br /></div>
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<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law attorney</a> at
The Liblang Law Firm, PC, in Birmingham, Michigan. She represents consumers who
purchase defective vehicles. <a href="http://www.lemonlawlawyers.com/contact.html">Contact The Liblang Law
Firm, PC</a>, today for a consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-57172347809636859632018-06-20T15:00:00.000-07:002018-06-20T15:00:13.930-07:00How Can You Prove Toxins Caused Your Illness in Toxic Torts?<!--[if !mso]>
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<a href="https://3.bp.blogspot.com/-hjBuZXEuShU/WyKxx1vqWxI/AAAAAAAABDc/IFWgSto6tH8L8za9Gi6Pv952S380uyd-wCLcBGAs/s1600/Connect%2BDots.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How Can You Prove Toxins Caused Your Illness in Toxic Torts?" border="0" data-original-height="248" data-original-width="623" src="https://3.bp.blogspot.com/-hjBuZXEuShU/WyKxx1vqWxI/AAAAAAAABDc/IFWgSto6tH8L8za9Gi6Pv952S380uyd-wCLcBGAs/s1600/Connect%2BDots.jpg" title="How Can You Prove Toxins Caused Your Illness in Toxic Torts?" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
When environmental factors make you sick, it can be hard for
you and your doctors to connect the dots. Air pollution, emissions, run-off,
and other industrial byproducts can seriously affect your health, decreasing
your life span and quality of life. But when you take a company to court in a
toxic tort lawsuit, it’s up to you to prove toxins caused your illness. In most
cases, that means you’re going to need an expert.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Causation is Key in Proving Toxic Torts</h2>
<div class="MsoNormal">
When you live near a plant or factory that puts out a lot of
smoke, sewage, or other waste, it can lead to serious illness. Sometimes the
connection seems obvious, especially when your neighbors are suffering the same
symptoms. But in science, and in court, correlation does not equal causation.
Just because one thing happens at the same time, or in the same place, as
something else doesn’t mean the first thing caused the second thing to happen.
Sometimes correlations are coincidences or are caused by a third factor.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
That’s why it isn’t enough for the victims of toxic torts to
show they were exposed to toxins and then got sick. That’s a correlation.
Instead, as a plaintiff in a toxic tort case, you must prove toxins caused your
illness. Federal courts may require two levels of proof, depending on how well
known the effects of a toxin are.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If doctors generally recognize the toxicity of a drug or chemical,
you must show that exposure to the toxin directly caused the injuries you claim.
This will depend on your injury, the chemicals involved, and the established
science around exposure. Examples of these cases include asbestos causing
cancer or lead causing brain damage. If your illness isn’t as commonly
connected to the toxin, you will also have to prove the general question of
whether the toxin <i style="mso-bidi-font-style: normal;">can</i> cause the kind
of injury you suffered.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Using Experts to Prove Toxins Caused Your Illness </h2>
<div class="MsoNormal">
Showing causation in toxic tort cases almost always involves
experts. Your personal injury attorney will need to work with doctors and
scientists to prove toxins caused your illness. But not all experts are created
equal. A recent Federal 11<sup>th</sup> Circuit Court opinion from Florida
shows how important it is for your expert to explain how she or he came to her
or his conclusions.</div>
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<br /></div>
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In <i style="mso-bidi-font-style: normal;"><a href="https://law.justia.com/cases/federal/appellate-courts/ca11/17-10894/17-10894-2018-05-14.html">Williams
v Mosaic Fertilizer LLC</a></i>, Rhonda Williams lived her entire life in a
home near the Mosaic Fertilizer factory. The U.S. Environmental Protection
Agency’s (EPA’s) site testing near the factory showed sulfur dioxide levels
above the National Ambient Air Quality Standard (75 parts per billion). As a
result, Williams said she suffered a range of respiratory problems. She said
these illnesses were caused by the sulfur dioxide and other chemicals emitted
by the Mosaic factory. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But her toxicologist’s expert report didn’t connect the
dots. According to the Circuit Court, Dr. Mink’s preliminary expert opinions found
that Williams had been exposed to the chemicals and that she developed
significant adverse health effects and secondary effects (from the treatment of
her conditions) due to the exposure. However, Dr. Mink’s report fell short on
how those two things were connected. Specifically, the court said he:</div>
<br />
<ul>
<li>Failed to show how much of the toxin she had
been exposed to and how that dose caused the illness (the dose-response
relationship)</li>
<li>Relied too heavily on regulatory standards to
determine the dangerous dose level</li>
<li>Failed to address evidence that other causes
existed for the illness</li>
<li>Failed to rule out Williams’s own background
vulnerability to the illness</li>
</ul>
<br />
<div class="MsoNormal">
Altogether, Dr. Mink’s expert opinion was not considered
scientifically credible. Since his word was the only thing connecting the
sulfur dioxide to Williams’s respiratory trouble, the court found the case was
properly dismissed.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Doctors and scientists don’t always know what a court is
looking for to prove toxins caused your illness in a toxic tort case. To win,
you need a personal injury lawyer who knows the law and can help you and your
experts make your case. Otherwise, what you see as cause could be dismissed by
the court as mere correlation.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/personalinjury.html">personal injury
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She helps
the victims of toxic torts be compensated for their injuries. If you know
someone injured because of a factory owner’s negligence, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-48647844339643057472018-06-13T15:00:00.000-07:002018-06-13T15:00:05.245-07:00Voluntary Surrender or Repossession: Which is Better for Your Credit Score?<!--[if !mso]>
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<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 9"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" Priority="39" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="35" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="1" SemiHidden="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
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<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
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<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
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<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
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<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
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<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
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<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
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<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
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<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
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<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
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<a href="https://4.bp.blogspot.com/-CuaHiEzG3hQ/Wxk1JL7fb7I/AAAAAAAABDI/bVU2YC9D8K0fLawVdPNU1z7Mq7tHrxZiACLcBGAs/s1600/Car%2BKey.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Voluntary Surrender or Repossession: Which is Better for Your Credit Score?" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-CuaHiEzG3hQ/Wxk1JL7fb7I/AAAAAAAABDI/bVU2YC9D8K0fLawVdPNU1z7Mq7tHrxZiACLcBGAs/s1600/Car%2BKey.jpg" title="Voluntary Surrender or Repossession: Which is Better for Your Credit Score?" /></a></div>
<div class="MsoNormal">
If you fall behind on your auto loan payments because of a
lost job, unexpected medical expenses, or simply not enough income, you may consider
voluntary surrender of your vehicle. But what that means, and how it affects
your credit score compared to repossession can be something of a mystery. Here
are some things to consider.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
What is Voluntary Surrender?</h2>
<div class="MsoNormal">
Whenever you fall behind on your auto loan payments, you are
technically in default of your contract and at risk for repossession. Most loan
agreements say that the creditor may take possession of the vehicle if the
terms of the contract are not met. While some banks will give you 60 or even 90
days to catch up and pay off your balance, they are not legally required to do
so. Once you fall behind, the lender has the legal right to collect your vehicle.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
That doesn’t mean you have to live in fear of the repo-man. If
your bank, loan company, or credit union offers voluntary surrender, you can
arrange a time and place to drop off the vehicle and sign over title to the
lender. By voluntarily surrendering your vehicle you are admitting that you
will not be able to pay the debt on time, but doing so may have certain
advantages.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Is Voluntary Surrender Better than Repossession?</h2>
<div class="MsoNormal">
Voluntary surrender is not very different from repossession,
legally speaking. In both cases, your vehicle will be sold at auction and you
will <a href="https://lemonlawlawyer.blogspot.com/2017/06/car-repossessed-watch-out-for-debt.html">still
be responsible for any amount owed beyond the sale price</a> – the “deficiency
balance”. You may also still have to pay interest or late fees connected with
the loan itself.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Still, voluntary surrender can be a better option for some
borrowers than repossession, even if only for practical reasons. Also called
voluntary repossession, it allows you to control when and where the lender
takes back the vehicle. This can eliminate stress and give you peace of mind
about the process. It may also give you an opportunity to make certain inexpensive
repairs that will cause the vehicle to bring in a higher price at auction. </div>
<div class="MsoNormal">
<br /></div>
<h2>
How Can You Fix Your Credit Score After Voluntary Surrender or
Repossession?</h2>
<div class="MsoNormal">
Both repossession and voluntary surrender show up as loan
defaults on your credit report. They will negatively affect your credit score
for 7 years. That means you could end up paying higher interest on your next
car loan because the lender will consider you “high risk”. It could also affect
the rates you receive on mortgages and credit cards, or even your ability to be
approved for a lease. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
However, if you agree to a voluntary surrender of your vehicle,
that will be noted on your credit report. If a lender looks closely, it can
help reduce the effect of a lower score. To make this more likely, you should draw
your loan officer’s attention to the voluntary surrender early in the process. In
some circumstances, an explanatory letter may also help.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The best way to limit the effect of a voluntary surrender on
your credit score is to build up your credit around it. By restoring your
credit through consolidation, on-time payments, and being smart with your debt,
you can make the voluntary surrender or repossession seem more like an isolated
incident or a bad experience in your past, rather than a signal of future
trouble to come.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
No one wants to lose possession of a car. But when
collections companies are calling, it can sometimes be a better alternative to
repossession. Paired with a strategy to stop collections harassment and pay
down your debt, it can get you back to stable financial ground.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">collections harassment
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She helps
consumers resolve outstanding collections lawsuits. If you are considering
voluntary surrender to stop the creditor calls, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm</a>
for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-80813250920052952772018-06-06T15:00:00.000-07:002018-06-06T15:00:07.444-07:00Consumer Advocates Call Tesla’s Autopilot Deceptive Advertising<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/>
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<a href="https://4.bp.blogspot.com/-8FMcWHmHSuQ/Ww20d2krgWI/AAAAAAAABC0/I6--3B_P7rg0YhC9G9PVgdQywUpTrh_3ACLcBGAs/s1600/TeslaLogo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Consumer Advocates Call Tesla’s Autopilot Deceptive Advertising" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-8FMcWHmHSuQ/Ww20d2krgWI/AAAAAAAABC0/I6--3B_P7rg0YhC9G9PVgdQywUpTrh_3ACLcBGAs/s1600/TeslaLogo.jpg" title="Consumer Advocates Call Tesla’s Autopilot Deceptive Advertising" /></a></div>
<div class="MsoNormal">
Can a car crash be a marketing problem? Tesla’s Autopilot
has been involved in at least 3 serious accidents in two years. Consumer
advocates say the company’s deceptive advertising is misleading consumers, convincing
them they can take their eyes off the road.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Does Tesla’s Autopilot Turn Cars into Autonomous Vehicles?</h2>
<div class="MsoNormal">
Tesla’s Autopilot system was first released in 2015. According
to the <a href="https://www.tesla.com/autopilot">company’s website</a>:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“All Tesla vehicles
produced in our factory, including Model 3, have the hardware needed for full
self-driving capability at a safety level substantially greater than that of a human
driver.” </div>
</blockquote>
<br />
<div class="MsoNormal">
Through a network of cameras, sensors, and computers, Tesla’s
Autopilot system is designed to match speed to nearby traffic, keep the vehicle
in its lane, automatically change lanes, handle highway interchanges, park
itself, and “be summoned to and from your garage.” Tesla says the Autopilot has
Full Self-Driving Capability and:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“The system is designed to
be able to conduct short and long distance trips with no action required by the
person in the driver’s seat.”</div>
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<br />
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But the company says the software was never intended to be
fully autonomous. Buried in the middle of promises that the Autopilot will take
you where you need to go, the website says:</div>
<br />
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<div align="left" class="MsoQuote" style="text-align: left;">
“Every driver is
responsible for remaining alert and active when using Autopilot, and must be
prepared to take action at any time.”</div>
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<br />
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When they don’t, drivers can end up facing a full-speed
collision resulting in serious injury, or even death.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Fatal Accidents Involving Tesla’s Autopilot Raise Safety Concerns</h2>
<div class="MsoNormal">
In 2016, the <a href="https://lemonlawlawyer.blogspot.com/2016/07/fatal-crash-with-tesla-autopilot-draws.html">Tesla
Autopilot was involved in a fatal auto accident in Florida</a>. Joshua Brown
was killed when his Tesla Model S ran into the back of a tractor-trailer that
pulled in front of him. The vehicle was in Autopilot mode, so neither Brown nor
the vehicle hit the brakes. <span style="mso-spacerun: yes;"> </span></div>
<div class="MsoNormal">
<br /></div>
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Then, in March 2018, a Tesla Model X in <a href="https://www.sfchronicle.com/business/article/Tesla-s-Autopilot-suspected-in-fatal-accident-12889035.php">Autopilot
mode slammed itself into a freeway median</a> on Highway 101 in Mountain View,
California. The owner, an Apple engineer named Walter Huang, was killed in the
crash. He is reported to have complained to family that the vehicle would veer
off course before the accident.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In addition to the fatal incidents, a Utah woman broke her
foot when her <a href="https://www.nbcnews.com/business/autos/tesla-was-autopilot-mode-utah-crash-driver-tells-police-n874136">Tesla
Model S ran a red light</a> and hit a fire truck at 60 miles per hour. Given
the high speed of the collision, she could have suffered far worse. The 28 year
old driver said she was looking at her phone at the time. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Consumer Advocates Call Tesla’s Autopilot Deceptive Advertising.</h2>
<div class="MsoNormal">
The deaths and injuries have caused concern among the <a href="https://www.autosafety.org/wp-content/uploads/2018/05/CAS-and-CW-Letter-to-FTC-on-Tesla-Deceptive-Advertising.pdf">consumer
advocates</a> including Consumer Watchdog and the Center for Auto Safety. In a
letter to the Federal Trade Commission dated May 23, 2018, the organizations said:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“Two Americans are dead
and one is injured as a result of Tesla deceiving and misleading consumers into
believing that the Autopilot feature of its vehicles is safer and more capable
than it actually is.”</div>
</blockquote>
<br />
<div class="MsoNormal">
The consumer advocates said Tesla’s Autopilot advertising
campaign – along with the statements of owner Elon Musk – make it reasonable
for owners to believe that Tesla’s Autopilot is an autonomous vehicle system,
and that it will be entirely “self-driving”. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
After the Florida accident, the National Highway Transportation
Safety Board did an independent investigation and determined that over-reliance
on the Autopilot feature, and lack of understanding about how it works, can cause
death. The consumer advocates said that over-reliance is a consequence of deceptive
advertising by the company.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The consumer advocates are asking the FTC to investigate
Tesla Motors, Inc., for deceptive advertising under the Federal Trade
Commission Act that markets the Autopilot feature as fully autonomous, even
though it is only capable of SAE Level 2 automation and requires an attentive
human driver at all times. That advertising could cause drivers to rely on the vehicle’s
self-driving features in ways the system cannot handle. And that could result
in even more deaths at the “hands” of Tesla’s Autopilot.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">consumer protection
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She represents
the victims of deceptive marketing. If you have been seriously injured because
a product or vehicle did not live up to its manufacturer’s promises, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC,</a> for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com2tag:blogger.com,1999:blog-6318227480497632923.post-32208100975658619462018-05-30T15:00:00.000-07:002018-05-30T15:00:00.257-07:00Jeep Cherokees Recalled for Fire Risk<!--[if !mso]>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-1wd2HPPsTlk/WwQihinwr5I/AAAAAAAABCg/q-KwNB-f3vEyfMFE2ffAuy1E9nM2LxASQCLcBGAs/s1600/Jeep%2BGrill.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Jeep Cherokees Recalled for Fire Risk" border="0" data-original-height="248" data-original-width="623" src="https://1.bp.blogspot.com/-1wd2HPPsTlk/WwQihinwr5I/AAAAAAAABCg/q-KwNB-f3vEyfMFE2ffAuy1E9nM2LxASQCLcBGAs/s1600/Jeep%2BGrill.jpg" title="" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
Defective manufacture of vehicles can put drivers at risk of
serious injury, even death. Especially when there is fire risk, mechanical
issues or software problems turn new vehicles in to a risky proposition without
the car buyer even knowing it. Sometimes, though, auto manufacturers find a
product defect before anyone gets hurt. That’s what happened with the 2018 Jeep
Cherokees recalled for fire risk earlier this month. </div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Fiat Chrysler Issues Voluntary Recall of 2018 Jeep Cherokees</h2>
<div class="MsoNormal">
On May 21, 2018, Fiat Chrysler Automobiles (FCA) announced
it would be <a href="https://www.freep.com/story/money/cars/chrysler/2018/05/21/jeep-cherokee-recall-fire/628577002/">recalling
over 51,000</a> of its 2018 Jeep Cherokees. <a href="https://www.carscoops.com/2018/05/50000-2018my-jeep-cherokees-recalled-due-potential-fire-risk/">Most
of the vehicles</a> (48,990 to be exact) were sold in the U.S., but the company
is also calling back 1,666 SUVs sold in Canada and 674 sold overseas. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The problem initiating the recall has to do with a batch of
fuel-supply tubes installed into 2018 Jeep Cherokee SUVs. The connectors on
these tubes may have been incorrectly fitted. This can result in a fuel leak
and create a fire risk if the fuel comes in contact with other parts of the
engine or sparks near the vehicle. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Luckily, the manufacturing defect was detected internally,
before any injuries or accidents were reported. However, if left unchecked, a
leaky fuel line could create a substantial fire risk. Motorists driving
un-repaired Cherokees could face serious injury, burns, or even death from car
fires caused by the defect.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Fiat Chrysler Dealers Pledge to Repair Product Defect for Free</h2>
<div class="MsoNormal">
In response to the product defect, Fiat Chrysler informed
the National Highway Traffic Safety Administration (NHTSA) and will begin
notifying Jeep owners as early as this week. The company has promised that
dealerships will inspect the fuel-supply tubes and their connectors. If the
mechanics find a manufacturing defect, they will replace the connectors and the
tubes, if necessary, free of charge.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Late Model Jeeps Faced Manufacturing Defects Before</h2>
<div class="MsoNormal">
This isn’t the first time that FCA has had to issue safety
recalls on its new Jeeps. In 2016, the company issued a <a href="https://www.carscoops.com/2016/06/fca-recalls-jeep-cherokee-ram-1500-to/">recall
of Jeep Cherokees</a> and Dodge Ram 1500s to fix manufacturing defects with the
halfshaft. In that case, a series of recalls affected vehicles manufactured
between September 2015 and March 2016. The defect created the risk that the
front halfshafts could fracture without warning, creating debris and putting
drivers at risk of a crash. But the 2016 recall was much smaller, only
affecting approximately 2,600 vehicles. This year’s recall will affect 20 times
as many drivers. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Is Your Jeep Affected?</h2>
<div class="MsoNormal">
The Jeep Cherokees recalled are all from the 2018 model year
and have a 2.4-liter engine. The recall doesn’t include the 2019 Jeeps. If you
think your car may be affected, or if you aren’t sure if you missed your recall
notice, you can find out online, or on the phone. Look up your vehicle
identification number (VIN) and either:</div>
<br />
<ul>
<li>Call the FCA US Recall Information Center at
1-800-853-1403</li>
<li>Call the NHTSA’s vehicle safety hotline at
888-327-4236</li>
<li>Visit the <a href="https://www.nhtsa.gov/">NHTSA’s
website</a> and enter your VIN</li>
</ul>
<br />
<div class="MsoNormal">
Voluntary product defect recalls may be easy to ignore, and
inconvenient to address. But if you ignore a defect notice, you could be
putting yourself, and your family at risk. If you are a Jeep owner and you receive
a recall notice, be sure to have your vehicle checked. It could save you from a
fire risk and the potential for serious injury.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law lawyer</a> at The
Liblang Law Firm, PC, in Birmingham, Michigan. She represents people seriously injured
by auto manufacturing defects. If your car has caused an injury accident, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC</a>, for a free consultation.</i> </div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-29744966922661270232018-05-23T15:00:00.000-07:002018-05-23T15:00:10.673-07:00Telemarketing Class Action Lawsuit Against Dish Network Could Pay You $1,200<!--[if gte mso 9]><xml>
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-uTgD-0pMXDc/WvxBuuPiTpI/AAAAAAAABCI/5KWMgSA6v5YQ3HTzma1WbheqAqOGQ6OmwCLcBGAs/s1600/TV%2BSatellite%2BDish.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="TV Satellite represents Dish Network Telemarketing Class Action Lawsuit for violating National Do Not Call Registry" border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-uTgD-0pMXDc/WvxBuuPiTpI/AAAAAAAABCI/5KWMgSA6v5YQ3HTzma1WbheqAqOGQ6OmwCLcBGAs/s1600/TV%2BSatellite%2BDish.jpg" title="" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
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<div class="MsoNormal">
Telemarketing calls are disruptive and annoying. That’s why
the Federal Trade Commission set up the National Do Not Call Registry. But Dish
Network ignored the list in 2010 and 2011. Now a telemarketing class action
lawsuit out of North Carolina has resulted in a nationwide verdict that could
pay you up to $1,200.</div>
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</div>
<a name='more'></a><br />
<h2>
National Do Not Call Registry Protects Consumers from Telemarketing Hassle</h2>
<div class="MsoNormal">
The U.S. Federal Trade Commission (FTC) created the National
Do Not Call Registry in 2003. Its purpose was to strengthen consumer protection
against abusive telemarketing programs. Since 2005, telemarketers covered by
the registry are required to check the registry every 31 days and remove all
registered numbers from their call lists. </div>
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<br /></div>
<div class="MsoNormal">
Originally, registration of a phone number had to be renewed
every five years. <span style="mso-spacerun: yes;"> </span>A decade ago, on
February 15, 2008, Congress passed the Do-Not-Call Improvement Act, allowing permanent
registration unless a person calls to remove their number. In theory, this
should protect consumers from the hassle of responding to telemarketing calls.
However, there are some exceptions:</div>
<br />
<ul>
<li>Business lines cannot be registered</li>
<li>Political organizations can still call registered
numbers</li>
<li>Non-profit organizations can still call
registered numbers</li>
<li>Companies can still call to conduct surveys</li>
<li>Telemarketers have up to 31 days to remove registered
numbers<span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"></span></span></li>
<li><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Bill collectors can call registered numbers, during
reasonable hours under the Fair Debt Collection Practices Act.</li>
</ul>
<br />
<br />
<h2>
Holding Telemarketers Accountable for Do-Not-Call Violations</h2>
<div class="MsoNormal">
When telemarketers ignore the Do Not Call Registry, it can
inconvenience consumers and create the potential for a lawsuit – filed either by
the FTC or by the consumers affected directly. Since 2009, the FTC has seen a
significant increase in illegal telemarketing calls, especially robocalls. The
FTC says that the technology behind these calls “make it cheap and easy for
scammers to make illegal calls from anywhere in the world, and to display fake
caller ID information, which helps them hide from law enforcement.”</div>
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But it isn’t foolproof. Since 2003, the FTC has brought 134 <a href="https://www.ftc.gov/news-events/media-resources/do-not-call-registry/enforcement">enforcement
actions for telemarketing violations</a> of the Do Not Call Registry. In 2009,
the <a href="https://www.ftc.gov/news-events/press-releases/2017/06/ftc-doj-case-results-historic-decision-awarding-280-million-civil">FTC
sued Dish Network</a> for violating the FTC’s Telemarketing Sales Rule, the
Telephone Consumer Protection Act, and state law. That case resolved in 2017, with
an order directing Dish Network to pay $280 million in penalties and creating strong
injunctive relief, forcing the company to change its ways.</div>
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But that money went to the federal government, not the
consumers the law was meant to protect. To make sure consumers got their due, in
2014, Thomas Krakauer of North Carolina, sued Dish Network for reimbursement due
to its illegal telemarketing calls.</div>
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<h2>
North Carolina Telemarketing Class Action Protects Consumers Nationwide</h2>
<div class="MsoNormal">
Krakauer’s case was certified as a nationwide class action.
That meant his trial established the facts and legal basis to allow anyone “similarly
situated” to receive a part of the <a href="http://dishclassaction.com/media/1370635/439_final_judgment_order__april_5__2018.pdf">$61,342,800.00 aggregate award</a>. In this
case, “similarly situated” means a person:</div>
<br />
<ul>
<li>Is a U.S. resident</li>
<li>Had a telephone number on the National Do Not
Call Registry</li>
<li>Received one or more call on that registered
number from Dish Network between May 11, 2010 and August 1, 2011</li>
</ul>
<br />
<div class="MsoNormal">
Most consumers don’t remember the telemarketing calls they
got last week, let alone 8 years ago. However, discovery in the case revealed a
list of 18,000 phone numbers that qualify for relief. You can <a href="https://kccsecure.com/dishclassaction-Lookup/Home/PhoneForm">check if
your number was impacted</a>. If it was, you must <a href="http://www.dishclassaction.com/submit-payment-form.aspx?_ga=2.257457421.729427262.1525958580-1427142099.1525958580">file
a claim to be part of the class action award</a> <b style="mso-bidi-font-weight: normal;">on or before June 18, 2018</b>. Consumers who qualify are entitled to
receive up to $1,200. This amount will be reduced by reasonable attorney fees
and costs spread across all claimants. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Class Action Lawsuits Give Relief for Small Claims</h2>
<div class="MsoNormal">
Telemarketing class action lawsuits are a powerful tool to
keep advertisers in check and protect consumers from harassment and annoyance.
Even with triple damages authorized by the statute, no one consumer’s case is
worth the time, effort, and expense to bring the lawsuit. By allowing classes
of similarly situated plaintiffs to come together in a class action, the law
keeps companies like Dish Network from getting away with ignoring important
consumer protection laws.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a
consumer protection attorney at The Liblang Law Firm, PC, in Birmingham,
Michigan. She helps Michigan residents <a href="http://www.lemonlawlawyers.com/collection.html">harassed by telemarketers</a>
and other abusive marketing practices. If you believe telemarketers have
crossed the line, <a href="http://www.lemonlawlawyers.com/contact.html">contact
The Liblang Law Firm, PC</a>, today for a consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-57530366614029924892018-05-16T15:00:00.000-07:002018-05-16T15:00:03.479-07:00Opioid Crisis Results in Nationwide Settlement Efforts, But Will It Work?<!--[if gte mso 9]><xml>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-ffz2YEto3uM/WvCkw6lUAaI/AAAAAAAABBw/vZqNWWc8YUM9tz9r0OM1AfjrMjcjrV4rACLcBGAs/s1600/Oxycontin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://4.bp.blogspot.com/-ffz2YEto3uM/WvCkw6lUAaI/AAAAAAAABBw/vZqNWWc8YUM9tz9r0OM1AfjrMjcjrV4rACLcBGAs/s1600/Oxycontin.jpg" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The Department of Justice, 41 state attorneys general and hundreds
of cities and municipalities have come together in one nationwide mass tort against
the opioid crisis and the pharmaceutical industry. Now all those lawsuits are
coming together in a nationwide settlement effort, but it may be hard to get
everyone to see eye to eye on this important public health issue.</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Government Entities Sue Big Pharma Over Opioid Crisis</h2>
<div class="MsoNormal">
From Macomb County, Michigan to the federal Department of
Justice, public entities at every level have joined onto litigation designed to
end the opioid crisis. The plaintiffs in the lawsuits involve 41 attorneys general
and numerous local governments. The defendants: big pharmaceutical
manufacturers and distributors. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The governments are saying that Big Pharma made
misrepresentations in their direct marketing and presentations to doctors,
dentists, and pharmacists. By downplaying the addictive qualities of the drugs
and aggressively pushing them to market, the pharmaceutical companies cost the
country $504 billion every year. Of that amount, 25% falls on the public sector
– state and city governments already strapped for cash. These plaintiffs say
they have to fund:</div>
<br />
<ul>
<li>Addiction services</li>
<li>Drug treatment courts</li>
<li>Inmate services </li>
<li>Medical examiner costs</li>
<li>Norcan and other antidotes to counteract opioid
overdoses</li>
</ul>
<br />
<div class="MsoNormal">
They seek policy changes, as well as reimbursement for the
high cost of these public services.</div>
<div class="MsoNormal">
The earliest of these cases were filed in 2014, involving
Chicago, Illinois and Orange County, and Santa Clara County, California. As plaintiffs
added on to the mass tort, the many cases were consolidated into a single multi-district
litigation and assigned to United States District Court Judge Dan Aaron Polster
of the Northern District of Ohio. </div>
<div class="MsoNormal">
<br /></div>
<h2>
Opioid Crisis Lawsuits May Be the Most Complex Litigation in U.S. History</h2>
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The opioid litigation isn’t the first time attorneys general
and plaintiffs have come together to make nationwide changes. But commentators
are saying that <a href="https://www.washingtonpost.com/national/as-the-opioid-epidemic-rages-the-fight-against-addiction-moves-to-an-ohio-courtroom/2018/04/07/97b82b84-2636-11e8-874b-d517e912f125_story.html?utm_term=.7c368f49bc5b">this
lawsuit is different</a>. Other pharmaceutical cases are based on faulty
manufacturing or undisclosed side effects. With opioids, the drugs were working
just as intended. The problem was that doctors and patients didn’t realize the
devasting effects of opioid addiction at the time of prescription. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="http://michiganradio.org/post/more-communities-join-lawsuit-get-drugmakers-pay-costs-opioid-crisis">One
attorney in the Michigan lawsuit explained</a> that the state has 1.2 opioid prescriptions
for every man, woman, and child. Of those prescribed the drug at least 8 days,
13% were still taking opioids a year later. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For parties nationwide, it isn’t just about the money. It’s
about ending the epidemic. Jaime L. Dodge, director of the Institute for
Complex Litigation and Mass Claims at the Emory University School of Law, <a href="https://www.washingtonpost.com/national/as-the-opioid-epidemic-rages-the-fight-against-addiction-moves-to-an-ohio-courtroom/2018/04/07/97b82b84-2636-11e8-874b-d517e912f125_story.html?utm_term=.7c368f49bc5b">told
the Washington Post</a>:</div>
<br />
<blockquote class="tr_bq">
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“At some level I think
there’s a recognition that in some of these cases it’s not just a dollar or
cents, it’s about fixing ongoing societal problems.”</div>
</blockquote>
<br />
<br />
<h2>
Could Mass Tort Litigation Result in a Nationwide Settlement?</h2>
<div class="MsoNormal">
Judge Polster has been aggressively pushing the parties to
resolve the case quickly. With approximately 150 people dying each day because
of the drug, time is of the essence to achieve a nationwide settlement. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But that may be harder than it sounds. Those present at the
negotiations <a href="http://www.crainscleveland.com/article/20180507/news01/160616/drugmakers-said-balk-now-multibillion-dollar-opioid-accord">told
Crain’s things aren’t going so well.</a> Differences in opinions and priorities
between state attorneys general and some local plaintiffs have caused
settlement talks to stall. On Big Pharma’s side, initial statements that the
industry was willing to negotiate seem to have cooled. Several manufacturers
have indicated they may be willing to take their chances rather than paying billions
of dollars to settle the claims. <span style="background: white; color: black;">Elizabeth Burch,
a University of Georgia law professor who teaches about complex litigation,
told Crain’s Cleveland Business: </span></div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
<span style="background: white;">"If the idea was to come up with a quick settlement the companies
could afford, time is slipping away and money that could go toward resolving
the case is being eaten up by legal costs."</span></div>
</blockquote>
<br />
<div class="MsoNormal">
There is no such thing as an easy answer to a mass tort of
this scale. Any potential settlement will likely include years of enforcement
efforts as special masters dole out financial settlements and independent auditors
monitor industry changes. But if settlement doesn’t happen, the litigation over
the opioid crisis could span decades, and cost the U.S. thousands more deaths
along the way.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/personalinjury.html">personal injury
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. She handles
mass tort actions against manufacturers. If you have been injured because of a
company’s misrepresentations, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC</a>, for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-51307055611429921102018-05-09T15:00:00.000-07:002018-05-09T15:00:02.789-07:00Report Shows Racial Discrimination in Auto Financing at Car Dealerships<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"/>
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<br />
<div class="MsoNormal">
When you go to buy a car, you expect your auto financing to
depend on your income, your credit, and other money-related issues. But what
about your race? A study released earlier this year shows that color directly
affects how much you will pay for a car if you get your financing from car
dealerships.</div>
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</div>
<a name='more'></a><br />
<div class="MsoNormal">
Getting auto financing isn’t easy for anyone. If you go to
the car dealership you should be prepared for confusing finance terms, dealer
markups, and upselling. But a study released in January 2018 shows that for minority
car buyers, the challenges don’t stop there. The report, “<a href="http://nationalfairhousing.org/2018/01/11/new-report-reveals-racial-discrimination-by-auto-dealerships/">Discrimination
When Buying a Car: How The Color of Your Skin Can Affect Your Car-Shopping
Experience</a>” was published by the National Fair Housing Alliance (NFHA) and
it shows racial discrimination is raising the rates for non-white consumers by
auto dealerships.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Racial Discrimination in Lending is Illegal</h2>
<div class="MsoNormal">
Before digging into the details of the report, remember that
the federal Equal Credit Opportunity Act (ECOA) makes it illegal for creditors
to discriminate between applicants based on race, color, religion, national
origin, sex, marital status, or age. The law stands for the idea that a person
should not be charged more to borrow the same money because of these protected
traits. Still, that is exactly what the NFHA’s report revealed is happening.</div>
<div class="MsoNormal">
<br /></div>
<h2>
NFHA Report Tells Stories of Racial Discrimination</h2>
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To test whether racial discrimination was actually happening
in car dealerships, the NFHA paired up one white tester and one non-white
tester. Each of the eight pairs visited a franchised car dealership for some of
the most popular car brands in America. The dealerships were located in eastern
Virginia. Their mission was to and get purchase and auto financing information
on the same car, and then compare notes. Among each pair, the white tester was
the worse candidate on paper: they had a worse credit score, made less money, and
were otherwise less creditworthy than their non-white partner. </div>
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The report found that racial discrimination is pervasive
among the car dealerships tested:</div>
<br />
<ul>
<li>62.5% of the non-white testers received higher
cost pricing options.</li>
<li>75% of the white testers were offered more
financing options.</li>
<li>On average, the non-white testers would have
paid $2,662.56 more over the life of the loan for the same vehicle.</li>
</ul>
<br />
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The non-white testers also reported being disrespected and being
subjected to other forms of economically disadvantageous and bias treatment.
For example:</div>
<br />
<ul>
<li>White testers were offered rebates</li>
<li>White testers were offered help to bring down
interest rates</li>
<li>Non-white testers were more often presented with
bundled services or other, more costly purchase options</li>
</ul>
<br />
<h2>
Racial Discrimination in Auto Financing Makes a Tough Situation Worse</h2>
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Racial discrimination is illegal, and clearly costly. It
also makes the real-world economic situations of many non-white families even
worse. Jessica Aiwuyor of the NFHA explains:</div>
<br />
<blockquote class="tr_bq">
<div align="left" class="MsoQuote" style="text-align: left;">
“People of color are more
likely to live in areas that do not have a mainstream bank, making access to
fair auto dealer financing more important for these borrowers. These same
consumers are also more likely to live in areas that do not have reliable
transportation, which makes the availability of fair and quality auto financing
that much more vital. Disparities in access to credit and transportation
reflect historical discrimination in the credit marketplace and the
perpetuation of segregation that has created an enduring wealth gap in America.”</div>
</blockquote>
<br />
<div class="MsoNormal">
The Consumer Financial Protection Bureau (CFPB) has been <a href="http://theweeklychallenger.com/race-not-credit-risk-determines-auto-finance-says-report/">addressing
racial discrimination in lending</a> for the last several years. It has sued
and settled with banks and auto financing arms of vehicle manufacturing companies
for violating the ECOA, including:</div>
<br />
<ul>
<li>Ally Financial and Ally Bank for $98 million in
2013</li>
<li>Honda for $24 million in 2015</li>
<li>Toyota for $21.9 million in 2016</li>
</ul>
<br />
<div class="MsoNormal">
But the NFHA study shows that those settlements haven’t done
enough to force industry-wide change in the way minority borrowers are treated,
or the lending options made available to them. It will take tough regulation to
enforce the ECOA and other laws to protect non-white consumers from systemic
racism within the auto financing system.</div>
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<br /></div>
<br />
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<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">consumer protection
attorney</a> at The Liblang Law Firm, PC, in Birmingham, Michigan. If you believe
you have been the victim of predatory lending practices, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law
Firm, PC,</a> for a free consultation.</i></div>
<br />
<br />Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-29268485164374058872018-05-02T15:00:00.000-07:002018-05-04T12:11:16.808-07:00Bar Patron Beaten to Death Isn’t Restaurant Owner’s Responsibility, Court Says<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-2x4eqkgePCw/Wt-euHrlgMI/AAAAAAAABBY/06nNccllZzQxTKmUNQWKMTW_szyexMOIwCLcBGAs/s1600/Bar.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://1.bp.blogspot.com/-2x4eqkgePCw/Wt-euHrlgMI/AAAAAAAABBY/06nNccllZzQxTKmUNQWKMTW_szyexMOIwCLcBGAs/s1600/Bar.jpg" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When a restaurant owner is held responsible for a bar patron’s
injury or death, it’s usually because the bar served him or her too much
alcohol. But what happened in <i style="mso-bidi-font-style: normal;"><a href="https://caselaw.findlaw.com/mi-court-of-appeals/1893257.html">Mueller v
Brannigan Brothers Restaurants & Taverns, LLC</a>, </i>is more like
something out of a movie. This published Michigan Court of Appeals decision
asked whether the restaurant could be held responsible when its employees (or
former employees) chased down a bar patron and beat him to death. The question
was closer than you might think.</div>
<a name='more'></a><br />
<div class="MsoNormal">
<br /></div>
<h2>
Bar Patron Beaten to Death on New Year’s Morning</h2>
<div class="MsoNormal">
New Year’s Eve 2012 at Brannigan Brothers Restaurants and
Taverns, LLC (Brannigan) in Lansing must have been quite the raucous party. Just
after the ball dropped, Brannigan had to fire a bouncer named Suttle. By 2:00
a.m., Suttle was back, and Travis Peterson, one of the bar patrons, had been beaten
to death. In the wrongful death lawsuit a year later, it was up to the jury to decide
if the restaurant owner was responsible for any of it.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Restaurant Security and Vicarious Liability</h2>
<div class="MsoNormal">
Bars and restaurants can sometimes be responsible for
injuries caused by their staff on the premises. Called “vicarious liability”,
this personal injury claim says that the person or company in charge of an
employee is responsible for that person’s actions as long as they are “committed
in the course and within the scope of the employee’s employment.” For example,
if a restaurant hires a cleaning staff to mop the floor, and the staff member
forgets to put up a sign warning the floor is wet, a person who slips and falls
on the wet floor can sue the restaurant, not just the custodian. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
But <i style="mso-bidi-font-style: normal;">Mueller</i> wasn’t
nearly so straight forward. Brannigan had at least 4 bouncers or security staff
involved in the incident:</div>
<br />
<ul>
<li><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"></span></span></span>Suttle, who was fired that night, but had come
back on premises</li>
<li>Kanaveh who was not working that night but was on
site anyway</li>
<li>McClain who may have been assaulted by Peterson</li>
<li>Smith who rushed to protect McClain and break up
the fight</li>
</ul>
<br />
<div class="MsoNormal">
It appeared after the trial that Suttle had been 80% liable
and had most likely caused the fatal injury by beating Peterson with a baton, causing
a skull fracture that put him in a coma and eventually killed him. Since Suttle
was “off the clock”, the court said the restaurant wasn’t vicariously liable
for the bar patron’s death.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Negligent Hire, Supervision, or Training</h2>
<div class="MsoNormal">
Peterson’s family claimed Brannigan was responsible for hiring
Suttle in the first place. The restaurant could have been found responsible if
it had negligently hired employees it could reasonably predict would cause the
kind of harm that had happened. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Suttle had previously pleaded no-contest to manslaughter
charges as a teenager. But the court said that employers are not generally
expected to anticipate criminal acts. The court said, “the nature of the
offense does not seem to easily lend itself to predicting the kind of pursuit
and assault that occurred here, especially given the well-known propensity for
teenagers to engage in dubious conduct they regret as adults.” </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When it came to negligent training or supervision, the court
said:</div>
<br />
<blockquote class="tr_bq">
<div class="MsoQuote">
“We accept for the sake of argument that Brannigan’s training
and supervision were grossly incompetent or nonexistent. That would strongly
suggest that sooner or later a patron was going to get hurt fighting with the
staff on-site or while being removed from the premises. That would still not
predict security staff chasing an ejected patron down the street and beating
him fatally. Such outrageous conduct and loss of self-control is such a radical
departure from expected social norms that we very much doubt businesses
commonly perceive a need to craft rules and training against that degree of
blatantly obvious criminal misconduct.”</div>
</blockquote>
<br />
<div class="MsoNormal">
Courts don’t like holding employers responsible for their
employees’ actions. If you have been hurt because of a business’s negligence,
it is important it is to have a personal injury attorney with decades of experience
to help you establish your vicarious liability claims. Otherwise, you may find
yourself without the remedies you and your family need to recover from your
loss.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a </i><a href="http://www.lemonlawlawyers.com/personalinjury.html">personal injury accident
attorney</a><i style="mso-bidi-font-style: normal;"> at The Liblang Law Firm,
P.C., in Birmingham, Michigan. She has decades of experience in personal injury
and premises liability lawsuits. If you have been severely injured on someone
else’s property, </i><a href="http://www.lemonlawlawyers.com/contact.html">contact
The Liblang Law Firm, P.C.,</a><i style="mso-bidi-font-style: normal;"> for a
consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com2tag:blogger.com,1999:blog-6318227480497632923.post-38667673617328222312018-04-25T15:00:00.000-07:002018-04-25T15:00:14.977-07:00Consumer Lawyer Dani K. Liblang Named to 2018 “Leaders in the Law”<!--[if gte mso 9]><xml>
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On April 5, 2018, some of the top lawyers from across the
state came together to celebrate Michigan Lawyers Weekly’s “Leaders in the Law”.
Consumer lawyer Dani K. Liblang of the Liblang Law Firm, PC, in Birmingham,
Michigan, was one of only 30 lawyers and judges honored for their work in the
field.</div>
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<h2>
Michigan Lawyers Weekly Names 2018 Class of Leaders in the Law</h2>
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Earlier this year, <a href="https://milawyersweekly.com/">Michigan
Lawyers Weekly</a> announced this year’s class of “Leaders in the Law”. These30
lawyers, including two judges, had been identified by their peers for making
outstanding contributions to the practice of law in Michigan. They are examples
for other lawyers across the state and generously share their expertise within
the industry. </div>
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This is the 10<sup>th</sup> year of the program, highlighting
lawyers who have: </div>
<br />
<ul>
<li>“Significant accomplishments or achievements in
the law practice.</li>
<li>Outstanding contributions to the practice of law
in Michigan.</li>
<li>Leadership in improving the justice system in
Michigan.</li>
<li>Seeking improvements to the legal community and
their communities at large.</li>
<li>Setting an example for other lawyers.”</li>
</ul>
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While the honorees were named in February, they were invited
to a luncheon on April 5, 2018, at the Detroit Marriott Troy. The lawyers honored
then voted in secret to name the one “<a href="https://milawyersweekly.com/news/2018/04/05/midland-judge-dorene-s-allen-is-milws-lawyer-of-the-year/">Lawyer
of the Year</a>”. The winner, Hon. Dorene S. Allen of the Midland County
Probate & Juvenile Court was announced at the luncheon honoring all 30 of
the “Leaders in the Law”.</div>
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<h2>
Dani K. Liblang Honored as a Leader in the Law</h2>
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Consumer protection and lemon law lawyer Dani K. Liblang was
among the 30 top lawyers honored at the luncheon. The program described her by
saying:</div>
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“Liblang focuses on
consumer and lemon law. In January 2017 she was asked by ICLE to present on
trends in consumer auto transactions and she has also been a speaker at the
Michigan Association for Justice (MAJ) No-Fault Institute. Liblang is a member
of MAJ and the National Association of Consumer Advocates, which presented her
the ‘Consumer Hero Award.’”</div>
</blockquote>
<br />
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Dani K. Liblang is a <a href="http://www.lemonlawlawyers.com/collection.html">consumer protection</a>
and <a href="http://www.lemonlawlawyers.com/lemon101.html">lemon law</a>
attorney at The Liblang Law Firm, PC, in Birmingham, Michigan. With over 35
years of professional experience, she is known to her peers as an expert in her
field. In addition to the Institute of Continuing Legal Education (ICLE) and
the MAJ, Dani has also spoken for the National Association of Consumer
Advocates and the National Consumer Law Center. Her cases have been featured on
WDIV TV and in the Detroit Free Press, Jalopnik, and the Huffington Post. Dani is
also a frequent guest on local radio and television shows, where she provides professional
legal insight to the public.</div>
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The program also made space for Liblang to give the honor a
personal touch. When asked what practicing law means to her, personally and
professionally, Dani said:</div>
<br />
<blockquote class="tr_bq">
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“I’m very fortunate in
being able to have my own firm, surrounding myself with people I love working with,
practicing in areas of law that I am passionate about, and last but not least,
being able to bring my dog to work.”</div>
</blockquote>
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She also wrote about the “perfect storm” in 2009, when
General Motors and Chrysler both filed for bankruptcy. She explained how that
caused The Liblang Law Firm, PC, to broaden its focus beyond lemon law to include
consumer protection law. It is now a core part of the work Dani Liblang does
for Michigan residents.</div>
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<br /></div>
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Being named among the 2018 Class of “Leaders in the Law” is
one of the highest peer-rated honors available to lawyers in the state. This is
the first time Dani Liblang has been recognized in this way, and she is
flattered by the recognition.</div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0tag:blogger.com,1999:blog-6318227480497632923.post-50871773919991376842018-04-18T15:00:00.000-07:002018-04-18T15:00:22.268-07:00How to Make Your Facebook Profile Less Vulnerable to Identity Theft<!--[if !mso]>
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<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-rz2AAetG0l4/Ws44dsKR2YI/AAAAAAAABBA/ur1sCdHNTLAr0pZa4dCWdTOHBzspqQRoACLcBGAs/s1600/FacebookUserData.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="623" src="https://2.bp.blogspot.com/-rz2AAetG0l4/Ws44dsKR2YI/AAAAAAAABBA/ur1sCdHNTLAr0pZa4dCWdTOHBzspqQRoACLcBGAs/s1600/FacebookUserData.jpg" /></a></div>
<div class="MsoTitle">
<br /></div>
<div class="MsoNormal">
<span style="mso-no-proof: yes;"></span></div>
<div class="MsoNormal">
Facebook’s Mark Zuckerberg appeared before Congress on April
10 and 11, 2018, to answer questions about the app’s privacy and security
settings. The testimony suggests the company’s policies may be changing, but is
there anything you can do to make your Facebook profile less vulnerable to
identity theft?</div>
<div class="MsoNormal">
</div>
<a name='more'></a><br />
<h2>
Skimmers and Scammers Use Facebook Profiles to Steal Personal Data</h2>
<div class="MsoNormal">
Wherever large amounts of consumer data are gathered online,
it attracts identity thieves and others who would use that data for illegal purposes.
In the <a href="http://abcnews.go.com/Politics/zuckerberg-faces-congressional-grilling-facebook-user-privacy-2016/story?id=54366595">Cambridge
Analytica controversy</a> the purpose was political – to create profiles to
predict voting patterns and sway elections. But in other cases, skimmers and
scammers are looking for data as a form of identity theft. Even seemingly
innocent posts can give scammers important details about your life. They can
use that information to open bank accounts and credit cards, get access to
funds at your bank, or otherwise act as you online.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Facebook’s user agreement requires users to consent to Facebook’s
use of their profile information, contacts, and information they share online for
commercial purposes. It’s a main part of the company’s business model. Part of
what makes this so dangerous is <a href="https://slate.com/technology/2018/02/why-some-americans-are-cheering-germany-for-taking-on-facebooks-real-name-policy.html">Facebook’s
policy requiring users to use their real names</a>. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Depending on your privacy settings, you may also be sharing
important personal information with the world at large or with your contacts’ “friends”,
who you don’t know. If the recent news about Facebook’s privacy and security
policies is making you nervous, here are a few ways you can make your Facebook
profile less vulnerable to identity theft.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Set Privacy Settings to Friends Only</h2>
<div class="MsoNormal">
The first step to making your Facebook profile less vulnerable
to identity theft is to tighten your <a href="https://www.facebook.com/settings?tab=privacy&section=findphone&view">formal
privacy settings</a>. By limiting access to people that you have approved as
friends you can reduce the chances of identity thieves skimming personal information
from your posts.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Clean Out Your Friends List</h2>
<div class="MsoNormal">
Anyone who uses Facebook has received friend requests from
people they don’t know. Refuse these requests and remove anyone you don’t have
close connection with from your friends list. All those connections aren’t worth
the chance that one of those “friends” is really trying to steal your identity.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Hide Your Birthday (or at Least the Year) from Your Profile</h2>
<div class="MsoNormal">
One survey suggested almost <a href="https://www.visa.com/blogarchives/us/2013/10/02/omg-2-much-info/index.html">half
of Facebook users post their birthday on social media</a>. But your name and
date of birth are sometimes all a person needs to create false accounts in your
name. Facebook allows you to hide your birth year, or your full birthday, from
other users online. Taking advantage of this option will make your Facebook
profile less vulnerable to identity theft.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Take Your Maiden Name Out of Your Screen Name</h2>
<div class="MsoNormal">
Some people, especially women, add their maiden name to
their screen name to make it easier to connect to old friends. But doing that
could be threatening your children’s cybersecurity. A mother’s maiden name is
one of the most popular security questions online. If a skimmer can connect
mother and child, he or she can get one step closer to imitating your family
members online.</div>
<div class="MsoNormal">
<br /></div>
<h2>
Hide Your Contact Details</h2>
<div class="MsoNormal">
There isn’t much reason to make your phone number or home
address visible on Facebook or other social media accounts. By keeping those
details private, you can make it harder for scammers looking for targets for:</div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 38.65pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>One-ring scams</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 38.65pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Jury-duty scams</div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 38.65pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Package delivery scams</div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 38.65pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Fake utility worker visits</div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 38.65pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<br /></div>
<h2>
Think About Silly Posts Before You Share Them</h2>
<div class="MsoNormal">
It seems like every day there is a new image on Facebook
inviting users to put together seemingly random details about their personal lives
to “find out your fairy name” or “learn what this year will have for you”. These
silly posts are gold mines for identity thieves. Before you comment on or share
one of these posts, think about what information you are making available. Keep
in mind, your comments may be visible to the public, depending on your friend’s
privacy settings.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Internet privacy and security may seem impossible in today’s
digital age. But there are some simple things you can do to make your Facebook
profile less vulnerable to identity theft, and limit your exposure online.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i style="mso-bidi-font-style: normal;">Dani K. Liblang is a
<a href="http://www.lemonlawlawyers.com/collection.html">collections harassment attorney </a>at The Liblang Law Firm, PC, in Birmingham,
Michigan. She helps the victims of identity theft defend against creditors. If
someone has created debts in your name, <a href="http://www.lemonlawlawyers.com/contact.html">contact The Liblang Law Firm, PC, </a>today
for a free consultation.</i></div>
Lemon Law Lawyerhttp://www.blogger.com/profile/13315987239129601249noreply@blogger.com0