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OK, so you can no longer afford your car. What to do? The first idea comes to you after a few intense discussions with your spouse or perhaps after a few beers. “I know, we’ll just give it back.” The next day you call the dealership and tell them why you can’t afford to make payments. Fully expecting to hear from that same understanding salesman that threw in the leather and sunroof at “factory” prices, instead you get the third degree about late fees and penalties.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, urges you
to be skeptical of mail and phone calls warning that the warranty on your car is about to expire.
The companies behind the mail and calls may give the impression they represent your car dealer
or manufacturer. With phrases like Motor Vehicle Notification, Final Warranty Notice or Notice of
Interruption, they are trying to make the offer seem urgent — and to get you to call a toll-free number
for more information.
For more information, please click the link below.
A summary on a housing provider’s obligation to make reasonable accommodations and modifications which may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling.
What is a Reasonable Accommodation?
Introduction
The Federal Fair Housing Act (“Act”) (42 U.S.C. §§ 3601-19) prohibits discrimination inhousing on the basis of race, color, religion, sex, national origin, familial status, and disability (as well as sexual orientation/gender identity if the housing provider or program receives federal funding. A housing provider’s refusal to make a reasonable accommodation that is necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling constitutes disability discrimination and is a violation of the Act.
Forms for Current Guardians/Conservators and for a Complaint Against a Current Guardian or Conservator
At times we find ourselves in a difficult situation involving our bank, a large business, etc. and don’t know what to do. Calling customer service hasn’t led to any real results so you may be asking yourself what to do next?
The Center for Responsible Lending has created a list of five "Signs of Predatory Auto Finance Loans" that you may view below or view on their webpage: https://www.responsiblelending.org/issues/signs-predatory-auto-finance.
Signs of Predatory Auto Finance Loans
Don't get into car trouble: Learn to spot predatory auto finance loans.
Under the Fair Housing Act, housing providers are required to allow changes to the structure of their rental, when such a change is reasonable and is necessary to allow a person with a disability the full use and enjoyment of the premises. Examples of reasonable modifications include ramps, grab bars, push door handles, or lowering the entry threshold of a unit. Reasonable modification costs are typically paid by the tenant, but public housing agencies and federally-assisted housing providers are required to pay for reasonable modifications.
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