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Federal Deception Law: 16 C.F.R. § 455.2. Consumer sales—window form

(a) General duty. Before you offer a used vehicle for sale to a consumer, you must prepare, fill in as applicable and display on that vehicle the applicable “Buyers Guide” illustrated by Figures 1–2 at the end of this part. Dealers may use remaining stocks of the version of the Buyers Guide in effect prior to the effective date of this Rule for up to one year after that effective date (i.e., until January 27, 2018).

Federal Deception Law: 16 C.F.R. § 455.3. Window form

(a) Form given to buyer. Give the buyer of a used vehicle sold by you the window form displayed under § 455.2 containing all of the disclosures required by the Rule and reflecting the warranty coverage agreed upon. If you prefer, you may give the buyer a copy of the original, so long as that copy accurately reflects all of the disclosures required by the Rule and the warranty coverage agreed upon.

Federal Deception Law: 16 C.F.R. § 455.4. Contrary statements

You may not make any statements, oral or written, or take other actions which alter or contradict the disclosures required by §§ 455.2 and 455.3. You may negotiate over warranty coverage, as provided in § 455.2(b) of this part, as long as the final warranty terms are identified in the contract of sale and summarized on the copy of the window form you give to the buyer.

Federal Deception Law: 16 C.F.R. § 455.5. Spanish language sales

(a) If you conduct a sale in Spanish, the window form required by § 455.2 and the contract disclosures required by § 455.3 must be in that language. You may display on a vehicle both an English language window form and a Spanish language translation of that form. Use the translation and layout for Spanish language sales in Figures 4, 5, and 6.

(b) Use the following language for the “Implied Warranties Only” disclosure when required by § 455.2(b)(1) as illustrated by Figure 5:

Consumer Class Actions: 7. Class Actions Under the Massachusetts Tort Claims Act

The Massachusetts Tort Claims Act (“MTCA”) establishes the procedures for asserting tort claims against public employees and municipalities. Mass. Gen. Laws ch. 258, § 2. Specifically, the MTCA establishes that public employers “shall be liable for injury or loss of property or personal injury or death caused by the negligent or wrongful acts or omissions of any public employee while acting within the scope of his office or employment.” Id.

Consumer Class Actions: 2. 2020 Developments

There is one 2020 case involving a class action in Nebraska, Lassalle v. State, 307 Neb. 221, 948 N.W.2d. 725 (2020). This class action involved a group of Department of Health and Human Services (“DHHS”) employees that brought a wage dispute against the State. Id.

Consumer Bankruptcy Law and Practice: K.1 Introduction

This appendix contains three client handouts. The National Consumer Law Center provides copyright permission for individuals and organizations to copy or adapt these handouts for distribution without charge to consumers. No permission is granted to include these materials in other publications for sale.

Consumer Bankruptcy Law and Practice: K.2 Answers to Common Bankruptcy Questions

A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy process. If you still have questions after reading it, you should speak with an attorney familiar with bankruptcy.

What Is Bankruptcy?

Consumer Bankruptcy Law and Practice: K.3 Your Legal Rights During and After Bankruptcy: Making the Most of Your Bankruptcy Discharge

Bankruptcy is a choice that may help if you are facing serious financial problems. You may be able to cancel your debts, stop collection calls, and get a fresh financial start. Bankruptcy can help with some financial problems, but does not guarantee you will avoid financial problems in the future. If you choose bankruptcy, you should take advantage of the fresh start it offers and then make careful decisions about future borrowing and credit, so you won’t ever need to file bankruptcy again!

How Long Will Bankruptcy Stay on My Credit Report?

Consumer Bankruptcy Law and Practice: K.4 Using Credit Wisely After Bankruptcy

Beware of Credit Offers Aimed at Recent Bankruptcy Filers

“Disguised” Reaffirmation Agreement

Carefully read any credit card or other credit offer from a company that claims to represent a lender you listed in your bankruptcy or own a debt you discharged. This may be from a debt collection company that is trying to trick you into reaffirming a debt. The fine print of the credit offer or agreement will likely say that you will get new credit, but only if some or all of the balance from the discharged debt is added to the new account.

Consumer Bankruptcy Law and Practice: D.1.2 The Initial Forms

It is common for offices that handle significant numbers of bankruptcy cases to use special computer programs that generate bankruptcy forms based on input data. There are a wide range of such programs now on the market. For offices which do not currently have ready access to such a program, the simplest alternative is to use the blank Official Forms that are available for download in Adobe Acrobat (PDF) fillable format on the website of the Administrative Office of the U.S.

Consumer Bankruptcy Law and Practice: D.1.4.1 Overview

Almost every bankruptcy court requires the filing of bankruptcy forms electronically. Whatever format in which the documents were created, the forms must be filed in Adobe Acrobat (PDF) format. This format is similar to an electronic photograph of the original document. An exception to the PDF requirement is that the creditor mailing list is filed in ASCII text (.txt) format.

Federal Deception Law: Listing of Provisions

31 U.S.C.

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§ 3729. False claims

§ 3730. Civil actions for false claims

§ 3731. False claims procedure

§ 3732. False claims jurisdiction

§ 3733. Civil investigative demands

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Home Foreclosures: Missouri

Mo. Rev. Stat. §§ 443.290 to 443.454

Most Common Method of Foreclosure: Power of sale.

Preforeclosure Notice:

Number of Notices: One.

Amount of Notice Required: Twenty days. §§ 443.310, 443.325. Last publication not more than one week before sale. § 443.320.

Consumer Bankruptcy Law and Practice: 2022-04 Staff Notation

The CARES Act changes Official Forms 122A-1, 122B, and 122C-1 described in the 2020-04 Committee Note lapsed on March 27, 2022. The three forms have reverted to their pre-CARES Act versions (December 2019 in the case of 122A-1, October 2019 as amended in December 2021 in the case of 122B, and October 2019 in the case of 122C-1). In addition, the dollar amounts listed in lines 29 and 40 of 122A-2, and line 29 of 122C-2 are adjusted effective April 1, 2022, as part of the tri-annual dollar adjustments required by 11 U.S.C. § 104.