Tips for Purchasing a Used Vehicle from An Individual


It’s tax season…..it’s springtime (on the calendar though not yet in the air).  These things usually lead to people spending money on vehicles.  To save a few bucks folks often eye and buy a used vehicle from another person versus a dealership.  Before you take the used "lemon" preventionplunge here are a few things to know to hopefully avoid being stuck with a used lemon (more…)

Dealer Fraud But Making Payments? Hold Up! The Holder Clause To the Rescue!


Consumers who purchase vehicles and agree to make payments sometimes find the dealer selling the vehicle defrauded them.  Whether it is a failure to deliver title or misrepresenting the condition of the vehicle or failing to disclose prior collision damage or Hold up!  Holder Rule!some other fraud, the dealer’s mistake can be attributed to the lender which MAY mean the consumer may be able to discontinue payments.  Allow me to explain… (more…)

Family Pride: Got Some?


Family support is of vital importance.  It can propel people to greatness or plunge them into despair.  I am saddened when I hear of some of the things that happen to people within their own families.  Family should be the one set of folks who have each others’  backs and are available for support.  Now “support” does not necessarily mean carte blanche or other room to take advantage of each other.  There must be a happy medium between (more…)

GM Cuts Back on Warranties: Consumers Lose


GM has decided to cut back on the warranties and free service offered on Chevrolet and GM vehicles.  The reason:

“Free scheduled maintenance and warranty coverage do not rank high as a reason to purchase a vehicle among buyers of non-luxury brands,” said Steve Hill, GM North America vice president.

Really?  I wonder about that.  I am curious to see what statistics, surveys, or data GM used to come to that conclusion.  Perhaps GM is correct on this and I will admit I have no info to dispute GM but….I would think “..buyers of non-luxury brands” would be MORE interested in warranty protection and reducing service and maintenance costs.  Guess I am wrong.

At any rate, guess you better buy a new GM this year.  And for those of you that don’t here’s hoping you don’t have any issues with that new vehicle.

March Madness: Are You In?


Well the NCAA selection committee has made it’s decisions about who is out and who is in.  Now thousands of brackets will be completed and submitted in pools across the country (and likely the world).  ESPN and CBS Sports and Fox Sports, to name a few, have bracket challenges in which you can enter brackets to win bragging rights and prizes.  But no $1 billion dollar “Perfect Bracket” contest this year; the companies behind the contest are a bit busy in litigation against each other.  But I am sure there may be a few…just a few….office pools, bar contests, and other opportunities for testing one’s mettle versus other bracket entrants with the spectre of prizes at the end of the rainbow.

Seems that filling out a bracket makes watching the games that much more interesting. In years past I have organized bracket contests which resulted in great competition and amazing fun but in recent years I have stepped down from the position of “Pool Manager” and now just exchange my bracket with a small group of family and friends. Less work for me and more time to enjoy the games and the banter with my competitors.

For those of you who are looking for strategies on how to pick the winning bracket, click here, here, and here.  And to all of you who will partake in the festivities best of luck and enjoy the games.  Go Heels!

O’Neal Law Office Coverage Map: Are You Covered?


No this message is not another one of those cell phone commercials where a carrier brags about how wide its network is and beats down on the competition.  This is a far more important message.  This message lists the places across North Carolina and the United States represented by either clients I have represented or courts in which I have appeared.  If you do not see your city or county on the map do not fret.  Depending on your case I may be able to provide coverage for you too.  Read on for the lists….

I have had the pleasure of representing clients who resided in Ahoskie, Asheboro, Boiling Springs, Burlington, Chapel Hill, Charlotte, Cherryville, Comfort, Durham, Eden, Forest City, Gastonia, Graham, Greensboro, Greenville, Hamlet, Hickory, Hiddenite, High Point, Hillsborough, Hubert, Huntersville, Jamestown, Lawndale, Kernersville, Kinston, Knightdale, La Grange, Laurinburg, Lexington, Lincolnton, Lumberton, Maiden, Manteo, Marion, Morehead City, Mooresville, Morrisville, Nashville, New Bern, Newton, Pelham, Raleigh, Reidsville, Rockingham, Rocky Mount, Rutherfordton, Salisbury, Shelby, Snow Hill, Statesville, Tarboro, Taylorsville, Thomasville, Trenton, Trinity, Wadesboro, Wilmington, Wilson, Winston-Salem, and Zebulon. North Carolina

I have handled cases in courts in Guilford, Forsyth, Randolph, Davidson, Alamance, Alexander, Buncombe, Caswell, Cabarrus, Iredell, Rowan, Mecklenburg, Wake, Nash, Edgecombe, Orange, Durham, Catawba, Gaston, Craven, Greene, Cleveland, Lincoln, Lenoir, Jones, Pitt, Richmond, Wilson, Cumberland, Wayne, Rutherford, Yadkin, Surry, and New Hanover Counties.

In addition to represented clients across North Carolina I have represented residents of Arizona, California, the District of Columbia, Florida, Georgia, Maryland, Missouri, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia.

Please note that in representing clients I am not restricted to the counties and places listed above. If you have a potential claim or case contact me so we can discuss whether I can travel to handle your case.

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Debt Collection A to Z: V is for Venue


Okay….things have now led to a lawsuit.  Since the lawsuit has been filed one of the first questions should be where should the case be heard a/k/a where is venue proper.  Venue is a subject covered by first-year law students in Civil Procedure courses across the United States so we do not have the time (or need) to tackle it in all of its variations and permutations.  Simply put, a debtor (one who owes or allegedly owes a debt) typically is entitled to have (more…)

Debt Collection A to Z: U is for Understanding


Understanding applies in many ways in the world of debt collection.

A consumer understanding the terms and conditions of the documents she signs at the time she incurs the debt;

The seller or creditor understanding the legalities of the disclosures required to be provided to the consumer at the time or the debt is incurred or shortly thereafter;

Both the debtor and creditor understanding their contractual and legal obligations to each other regarding the debt and collection thereof;

A collector or creditor being understanding if and when a debtor gets behind on the debt.

The most important application, however, of understanding is that the debtor/consumer understand his or her rights.  For more information on your rights you should consult an attorney with specific questions if you think something is not right.  Ask before you act—this you MUST understand.

3 Ways NOT to Spend Your Tax Refund


For those of you who are expecting a tax refund or have already received it and are looking to spend your refund, please take note. No vote on this!There are plenty of folks angling for your money and not all of them have your best interests in mind. Here are three things to stay  away from: (more…)

Finding Good (for You) Fast Food at a Nice Price


Life comes at you fast.  If you are like me you are constantly on the go.  In a given week I spent at least half of it in my car traveling to and from a court appearance or other event.  Being on the road so much can lead to some tough choices when trying to eat healthy.  The fatty fast food joints are ubiquitous while the healthier choice spots can be a bit fewer and further between.      Food and fitness..take note!

One way to handle this is (more…)