Debt Collection A to Z: M is for Misrepresentation

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The Fair Debt Collection Practices Act and the North Carolina Debt Collection Act prevent all types of deceit, lies, half-truths, and misrepresentations by debt collectors to consumers.  I frequently get calls and emails from consumers who have been told they face immediate arrest, immediate service of process, garnishment, and other consequences for being delinquent on a debt.  The truth of the matter is that some of these consequences may occur but Read the rest of this entry »

Pop Goes The Airbag In Your Used Car…And You Take the Impact!

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Many of you have heard about the massive recall on the Takata airbags that are installed in many Toyota, Honda, Mazda, BMW, Nissan, Mitsubishi, Subaru, Chrysler, Ford and General Motors vehicles.  Well, it appears some used vehicle dealers have not….and that may be okay except when the dealer assures a prospective buyer the vehicle is fine and has no known problems. This phenomenon is yet another example of the need for used vehicle shoppers to do their homework before making any purchase.

Just so you know:  Read the rest of this entry »

Thanksgiving: Beat the Rush!

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Ah-hah!  Fooled you didn’t I?  You thought I was going to have some advance notice of a Black Friday sale or promotion, right?  Or perhaps you thought I was going to provide some coupons for an early and easier dinner preparation experience. Well none of that.  Instead, I wanted to again respect the true meaning of the holiday and get a jump on stating the key things for which I am thankful.  Read the rest of this entry »

Garnishment for Judgments in North Carolina?

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This is a question I am asked on a recurring basis.  Generally speaking, garnishment is NOT allowed in North Carolina for civil judgments obtained in North Carolina but read this fact sheet from the North Carolina Department of Labor which succinctly states the facts and law.  Hope this helps.  Feel free to share with those in your Questionnetworks as the Law and Life Blog is devoted to the dissemination of information and resources to help consumers across North Carolina.  Thanks for reading and, hopefully, for sharing.

How-To Guide for Paralegals Re Case Intakes

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This past June I had the pleasure of speaking to a group of eagle-eyed paralegals at the 2014 North Carolina Advocates for Justice Convention at the Sea Trail Resort and Conference Center in Sunset Beach, North Carolina.  My topic was how to handle case intakes for which I presented Read the rest of this entry »

And for our Veterans…A Huge Thank You

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Today is Veteran’s Day and instead of it being pirated for commercial purposes and/or a free day from work it is important we realize the true reason for the observance.  Thousands of men and women have sacrificed their time, energy, dreams, families, and some even their lives to keep our nation free.  There are many memorials, programs, observances, and even discounts for these esteemed Americans today; well-deserved.

Veteran The American people can never really repay the veterans for their sacrifices but we offer these small tokens of gratitude and value their role in our country as well as many other countries across the globe.  Take a moment to thank a veteran for his or her service today and take time to truly appreciate the freedom and opportunities available to you because of their sacrifices.


Some Nissan Airbags Really Explode and Can Injure

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Nissan is recalling thousands of vehicles due to a problem with airbags exploding and launching shrapnel which can cause serious injury. Click here for more information.