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Consumer Law & fraud : Law & Legal & Attorney

Dry Ice Regulations

Dry ice is regulated as a dangerous good, and regulations are in place to ensure it is safely used and shipped. The substance is the solid form of carbon dioxide and changes directly from the solid form to its natural gaseous state, giving it the name, "dry ice."Labeling for TransportA...

How to Remove Judgment Liens In Court

If you are enduring financial difficulties, you may have ended up having a judgment lien applied to your personal or real property. A judgment lien arises after another party wins a judgment against you in court. For example, a credit card company may sue you for non-payment of your credit card bala

FDA Barcode Specifications

Codabar and ISBT 128 are the two FDA permissible barcode types.barcode image by bofotolux from Fotolia.comOn Feb. 26, 2004, the U.S. Food and Drug Administration published stipulations for barcodes on certain medications and biological products. Among other things, the FDA says that all...

Does Credit Card Debt Affect Your Credit Rating?

Credit card debt affects your credit rating in a variety of ways. In general, irresponsible use of credit cards will negatively impact your credit scores. The direct effects of credit card use are broken down into a variety of more specific categories used to compute your credit score. The FICO scor

Credit Card Act

The Credit CARD (Credit Card Accountability, Responsibility and Disclosure) Act of 2009 was signed into law in May of 2009, but most of the facets came into effect in February of 2010. The law was designed to create new protections for consumers when dealing with credit card issuers.

Can a Joint Checking Account Be Garnished?

Once a judgment is entered by a court in a debt collection case, debtors face the prospect of garnishment of their paycheck, savings and checking accounts. Debtors desiring to best protect their assets need to fully understand all avenues to take in dealing with debt collection issues. There are som

How to Refinance a Rent to Own Mortgage

Many people use a rent to own mortgage to purchase a home because their credit history and score prevent them from obtaining a conventional home loan at the time they desire to purchase a residence. A strategy that these individuals use is to enter into a rent to own mortgage agreement to start the

How to Stop Wage Garnishment in Georgia

A Georgia court can order your wages to be garnished in order to satisfy a delinquent debt or a court mandated payment like child support or criminal restitution. The IRS and state tax agency can also issue a garnishment or wage levy for unpaid back taxes. In Georgia the maximum amount that can be g

The Effects of Phone Deregulation

The deregulation of telephone service has many effects on consumers.Old telephone image by Nenad Djedovic from Fotolia.comEver since the breakup of "Ma Bell" by the Reagan administration in 1984, elements of the telecommunications industry have sought to roll back federal regulations to...

Bad Debt Tax Law for Businesses

The Internal Revenue Service allows businesses to deduct bad debt when part or all of the debt is worthless. The deduction reduces reportable income, which in turn will reduce tax liability for the year. Deductions for business bad debt differ from personal bad debt, so it is important to tell the d

Documents Needed to Refinance a Mortgage

You'll need to pull some paperwork together in order to refinance your mortgage.Stockbyte/Stockbyte/Getty ImagesRefinancing a mortgage can help lower monthly payments and interest rates. An initial mortgage usually requires more documentation and paperwork than refinancing a mortgage, but...

Statute of Limitations on Unpaid Debt

In 2004, nearly half of all American households spent more money than they brought in each year and the average household had $8,000 in unpaid credit card debt at any given time, according to MSN Money Central. With all of these IOUs floating around, it is important for state governments to regulate

FDA Requirements for Drugs

The FDA regulates drugs.medicine image by Joyce Wilkes from Fotolia.comGenerally considered to have been officially established in 1927, the Food and Drug Administration is the U.S government agency responsible for controlling and supervising the safety of food, drugs, cosmetics, tobacco...

Homeowners Association Bylaws

Homeowners Associations function like mini-governments, acting for the benefit of neighbors in residential units such as condominiums, co-ops, townhouses or detached homes. A set of bylaws explains how the organization that wrote them operates. Most property owners will need to use the bylaws of th

U.S. Government Regulations for Warning Labels

Warning labels help keep people safe.explosive image by Alex White from Fotolia.comThe U.S. government compiles all regulations for warning labels into the Code of Federal Regulations (CFR). Two federal departments administer and enforce these regulations. The Department of Transportation...

Responsibilities of Buyers & Sellers

There are a number of different obligations and responsibilities imposed on both buyers and sellers in a business transaction or consumer purchase. Some of these responsibilities are set by laws like the Uniform Commercial Code (UCC) and the Magnuson-Moss Warranty Act. Other responsibilities are sim

How to Deal With a Collection Agent That Says He Won't Settle

It's a difficult situation when you are faced with mounting bills and a collection agent who simply won't accept your offer to pay down the debt, leaving you potentially facing bankruptcy. Collection agents will sometimes work with you on a plan to pay down your debt so they don't have to deal with

FHA Mortgage Loans Requirements

FHA loans are the most common and popular types of mortgages for home buyers. They offer low down payment requirements, availability for closing cost and down payment assistance to come in the form of gifts, and the fewest number of restrictions when it comes to closing on a home. However, even FHA

Laws in Tennessee Regarding Credit Card Debt

Tennessee has laws governing credit card debt.credit card image by jimcox40 from Fotolia.comConsumers use credit cards all the time. Unfortunately, they can sometimes run into problems repaying those debts, and can be faced with the uncomfortable reality of collections proceedings and...