Practice Tools

This practice tool links to three different software programs to calculate credit math functions, including calculating an Annual Percentage Rate (APR), a Military Annual Percentage Rate (MAPR), and Rule of 78 rebates. One is a web-based program provided by the federal government and two are provided by NCLC and must be downloaded—one is easy to use for simple calculations and the other allows for more complex credit transactions.

This is a two-page sample retainer letter concerning representation on a contingency basis.  Another practice tool contains a longer five-page retainer letter for representation on a contingent basis.

This is a two-page sample retainer letter concerning client representation by a legal services office.

This is a detailed notice that the consumer is rejecting or in the alternative revoking acceptance of a motor vehicle sale, setting out the defects, repair attempts, and setting out the consumer’s right to return of itemized payments. Alternatives are provided as to the disposition of the vehicle after the rejection or revocation. Other rights of the consumer after rejection or revocation are specified.

This is a 1983 Federal Trade Commission 35-page booklet with advice on drafting readable warranties.

The Freedom of Information Act allows for receipt of information from federal agencies, and state public records acts allow for receipt of information from state agencies.  This is a sample request from the California state school regulatory agency for information in its records on a specific school.

This is a request pursuant to the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C. § 1232g; 34 C.F.R. pt. 99. Under FERPA, a school must provide an eligible student with his or her education records within forty-five days following its receipt of a request. 

This is a request of the Department of Education on behalf of an individual borrower of a copy of the most recent Financial Student Aid report, a copy of a complete payment history on each of the individual’s loans; and a copy of the complete collection file, including all communications, payment histories and other documents regarding the individual’s student loans.  Authorization for this request on behalf of the student is found in another NCLC practice tool.