Tag Archives: wrongful repossession

The People Are Speaking: Reform Payday Lending!


A recent set of reports from the well-known Pew Charitable Trusts indicates Americans have growing concerns about the payday lending industry and its uprightness (if that is even a word).  In essence, there is a desire for reform and further regulation of payday lending.  Nobody can really deny that payday lending fulfills a void in …

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Coming Attraction: John O’Neal to Speak on Vehicle Law


Thanks to Law to the People and Timothy Peterkin for reaching out to me and asking me to share my humble opinions, knowledge, and experience with members of the legal community.  I will be presenting at an April 30, 2015 continuing education seminar in Durham and I hope to see several consumer attorneys and advocates …

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Car Law A to Z: O is for Overreaching


Oh boy…..overreaching…..there is a quite a bit of this in the vehicle buying context.  In fairness, not every dealership engages in unethical practices and I would like to think that more often than not vehicles are sold and delivered without any violation of law.  That being said, however, I receive multiple calls weekly from consumers who …

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How to Determine if You Have a Valid Used Car Case


Weekly and virtually daily I receive phone calls and emails from consumers who have problems with vehicles they purchased.  Most of them purchase a used vehicle and do little, if any, inspection or investigation on the vehicle and instead place a significant amount of trust in what the dealer/seller says about the vehicle’s history and …

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Help Me Help You: A Checklist


Thank you again for those of you who have consulted with me on legal matters and/or referred someone to me for a consultation.  Time is valuable and in an effort to maximize the time set aside for a legal consultation I have created a list of documents and items needed for review in certain cases.  …

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Car (and Vehicle) Case Checklist: Read Before Calling (or Contacting)


I am constantly contacted by people who have questions and problems with vehicles.  In order for me to properly assess each situation I am in need of certain facts, information, and documents.  I plan to post this list on my website as a checklist for potential clients but I thought I would share it with …

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Vehicular Irregular(ities)


Rarely does a day go by that I do not get a call or e-mail or other inquiry about a problem with a vehicle.  North Carolina consumers work hard and seek affordable, reliable transportation and while many of them get their wish there are far too many who do not.  And, even worse, in some cases …

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The Not-So-Top 10 List


A 2012 survey of complaints lodged with state and local consumer protection agencies provides insight as to some disturbing trends and patterns.  The most complained about actors and entities include debt collectors, used vehicle salespersons, and unlicensed contractors.  Click here to read the rest of the list and….

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Holiday Briefing: Thank You is In Order


Christmas is three days away and the year ends in less than 10 days.  Regardless of which holidays you celebrate or whether you celebrate none at all I wish you all the best.  Thank you for your ongoing support as the O’Neal Law Office prepares to enter its eighth year in business.  I have been …

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Repo Review


Unless you are fortunate enough to pay for your vehicle purchase 100% at the time of purchase you will finance some portion of your purchase.  Vehicle financing has evolved from a standard maximum time of 36 months to loans which can now stretch to 84 months…that’s 7 years.   There are many tips and tricks to financing …

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