This article explains how to respond to IRS tax debt. Always file a return even without paying taxes owed, almost never use a credit card, and press various exemptions against an IRS levy. Options are detailed to pay in installments, eliminate collections, and even reduce the debt owed. Special rights for spouses and debtors in bankruptcy are discussed, and sources of help are listed.

This article sets out seven key mistakes consumers make in attacking arbitration requirements: failing to first challenge delegation clauses; jumping into federal court; missing attacks on electronic consent and the contract’s language; mistaking the breadth of federal bans on arbitration; and underestimating arbitration’s ability to provide individual and even broad-based relief.

Ratio Utility Billing Systems (RUBS) is increasingly used in rental housing and creates potential for abusive landlord practices in tenants’ gas, electricity, and water bills. This article explains RUBS and the disadvantages of RUBS compared to traditional utility billing, provides a checklist to determine if a RUBS bill is accurate, mentions RUBS legislation and litigation, and links to additional resources.