The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

You have rights when you buy a used car, truck, or other vehicle. The text below uses the word used “car,” but many of your rights apply to purchasing used trucks or other vehicles.

Know your rights when buying from a dealer or a private person. Some rules apply only to dealers.

Take steps to protect yourself and do your homework before you buy! Test, inspect and check the history of the car.

The Vehicle Information Number

Get the Vehicle Identification Number (VIN) for the used car you want to buy.

Keep the VIN in a safe place.

You can use the VIN to find out about the used car you want to buy.

The Test Drive

Take the car on a test drive. Drive the car on hills, highways, and in stop-and-go traffic.

Inspect the Car

Examine the used car you want to buy. Use an inspection checklist when going over a used car inside and out.

You can find used car inspection checklists in magazines, books, and trustworthy websites dealing with used cars.

You might want to hire a mechanic to inspect the car. You will need to pay to have a mechanic inspect the used car.

Find out about the used car’s history.

Get the car’s maintenance and repair records. You can ask for maintenance or repair records from the owner, the dealer, or the repair shop.

Check out reviews of the car’s history. Use only reliable websites or trustworthy databases.

Below is a government website that can tell you more about the used car you want to buy and the legal title for the car.

Check for recalls

The federal government uses a “recall” to tell the public about car safety problems.

Find out before you buy if there is a recall on the car you want. You can use the VIN to find out if the car has a recall.

You can ask the dealer if the car has a recall. If there is a recall on the used car you want, you can find out if it was fixed. Do not rely on what the dealer says; use the car’s VIN to check for recalls yourself.

Enter the VIN on this website: https://www.nhtsa.gov/recalls. You can also call the National Highway Traffic Safety Administration’s (NHTSA) Vehicle Safety Hotline at 1-888-327-4236.

If there is a recall, ask the dealer to fix it or give you proof that the safety problem covered by the recall was fixed.  Federal law does not require dealers to fix recalls on used cars. That means you might need to fix the recall issue yourself.

If you buy the car, fix a problem listed in a recall immediately. The National Highway Traffic Safety Administration (NHTSA) warns that all safety recalls pose safety risks. Unfixed recall issues might cause accidents.

Usually, a dealership that sells new cars for the make or brand you want to buy will fix a recall issue for free. This is another thing to check before you buy.

Get a Fair Price

Before you buy or put money down, find out what the car is worth. Only talk about the price once you have an idea of a fair price for that car.

There are free websites with pricing information for used cars. Here are some examples of sites with used car prices:

Find out the costs to own and maintain the car.

The cost of owning a used car includes repairs and regular maintenance. Use trustworthy websites to find out how reliable the make and model of the used car might be.

Some sites can tell you what repair problems happen with the type of car you want.

  • You can learn more from the National Motor Vehicle Title Information System (NMVTIS) (https://vehiclehistory.bja.ojp.gov/). NMVTIS has information about a car’s title, odometer data, and damage history. Expect to pay a small fee for each report.
  • The National Insurance Crime Bureau (NICB) (https://www.nicb.org/vincheck) has a free database that includes flood damage, insurance claims, and other information.

You can use the VIN to get this information and search online for companies that sell vehicle history reports. If the report isn’t recent or it seems that things are missing or untrue, the information may not be complete. You may want to get a second report from a different reporting company. Some dealer websites have links to free reports.

The Buyer’s Guide

The Federal Trade Commission, or “FTC,” is a government agency with rules about car sales, including used car sales. One rule says dealers must post a Buyer’s Guide on every car for sale.

  • Dealers selling fewer than six vehicles a year do not need to post a Buyer’s Guide.
  • Dealers do not need to post a guide for motorcycles and most recreational vehicles.

The Buyer’s Guide is important and must tell you these things:

  • If the car is sold “as is” or with a warranty.
  • What percent of repair costs will a dealer pay under warranty?
  • A warning that spoken promises (meaning promises not in writing) are hard to enforce.
  • A warning to get all promises in writing.
  • A warning to keep the Buyers Guide for reference after the sale.
  • A list of the major mechanical and electrical systems on the car, including some of the major problems you should look out for; and
  • A warning that you should get an independent mechanic to inspect the car before you buy it.

When you buy a used car from a dealer, get the original Buyer’s Guide that was posted on the car. If you can’t get the original buyer’s guide, get a copy of the original Buyer’s Guide.

The Buyer’s Guide must tell you if there are any negotiated changes in warranty coverage. Negotiated means worked out between the buyer and seller. The Buyer’s Guide becomes part of your sales contract.

The Buyer’s Guide controls if there is a different term in the sales contract. Watch out for language about Warranties. If the Buyer’s Guide says the car comes with a warranty and the contract says the car is sold “as is,” the dealer must give you the warranty described in the Buyer’s Guide.

Find out about warranties and what it means to buy a car “as is.”

Louisiana law does not give buyers the same rights as they may have in another state.

For Example: In Louisiana, car dealers are not required to give used car buyers a three-day right to cancel. Before you buy from a dealer, ask about the dealer’s return policy. Get the return policy in writing. Read it carefully. You do not have any automatic right to cancel the sale at all.

You only have a right to return the car in a few days for a refund if the dealer gives you this right. Dealers may describe the right to cancel as a “cooling-off” period, a money-back guarantee, or a “no questions asked” return policy.

Ask about and read the dealer’s return policy before you put any money down or buy the car. Get the return policy in writing. Read it carefully.

What does “as is” mean when buying a used car? Find out ahead of time what it means to buy “as is.”

In Louisiana, the sale is not “as is” unless the Buyer’s Guide says so. A dealer must check the box next to “As Is – No Warranty” on the Buyer’s Guide to sell a car “as is.”

What if the dealer says it will repair a car sold “As is – No Warranty”? Do not rely on what the dealer says. Get any promise about repairs to a car sold “as is” added in writing as part of the Buyer’s Guide. If you don’t get the dealer’s promise in writing in the Buyer’s Guide, forcing the dealer to keep its word can be tough.

What kind of warranties cover do and do not cover your used car?

Implied Warranties

If you have a written warranty that doesn’t cover your problems, you might be covered by an “implied warranty.”

When a dealer sells a car with a written warranty or service contract, implied warranties are included automatically. There are some exceptions to this rule listed below.

Louisiana law says that cars sold by dealers must meet reasonable quality standards. This is called an implied warranty. An implied warranty is an unspoken, unwritten promise from the seller to the buyer.

Warning: dealers can add terms to the sale to undo the implied warranty. Dealers can write a notice with the words “as is” or “with all faults” to undo the implied warranty.

There is no set time limit to act on an implied warranty. There is more than one kind of Implied Warranty.

The Warranty of Merchantability

The most common type of implied warranty is called a “warranty of merchantability.” This kind of warranty means the seller promises that the car will do what it’s supposed to do.

For example, a warranty that the car will run. The Warranty of Merchantability covers basic things a car is supposed to do but does not cover everything that could go wrong with the car. Breakdowns and other problems after you buy do not prove the seller violated the warranty of merchantability.

The buyer must show that the problem was already there at the time of the sale. A problem after the sale might not be because of a defect at the time of sale.

Warranty of Fitness for a Particular Purpose

A ''warranty of fitness for a particular purpose” covers a sale based on the dealer’s advice that the car is fit for a particular use.

For Example, the dealer suggests you buy a specific car to haul a trailer. That means the dealer promises that the car can haul a trailer.

Any limit on an implied warranty’s time limit must be included in the written warranty.

What is a limited warranty?

Dealers may offer a full or limited warranty on all or some of a car’s systems or parts. Most used car warranties are limited. What a limited warranty covers varies.

A full (not limited) warranty includes the following terms and conditions:

  • Anyone who owns the car during the warranty period is entitled to warranty service.
  • Warranty service will be provided free of charge. That includes things like removing and reinstalling a system covered by the warranty.
  • You can decide whether to replace the car or get a full refund if the dealer cannot fix the car after trying a reasonable number of times.
  • To get a warranty service, you must tell the dealer that the car needs a repair covered by the warranty. An exception is if the dealer can prove you must do more to qualify for warranty service.
  • You only must tell the dealer that a warranty service is needed to get it unless the dealer can prove that it is reasonable for you to do more.
  • Implied warranties have no time limits.

If any of the things listed above are missing or excluded, the warranty is limited. A full or limited warranty doesn’t have to cover the entire car. The dealer may say that only certain things about the car are covered.

Some parts or systems may be covered by a full warranty. Other things about the car may have only a limited warranty. The dealer must check the appropriate box on the Buyers Guide to show if the warranty is full or limited.  Look for this information in the Buyer’s Guide.

The dealer must include the following information in the “Warranty” section of the Buyer’s Guide:

  • What part of the repair cost the dealer pays. For example: “Dealer will pay 100 percent of the labor and 100 percent of the parts...”
  • What things about the car are covered? For example, a warranty that covers the frame, body, or brake system.
  • The back of the Buyers Guide lists the major systems where problems may occur.
  • How long does the warranty last for each item covered? For example, “30 days or 1,000 miles, whichever comes first.”
  • If there is a deductible. If there is a deductible, how much is the deductible?

Can I review the dealer’s warranty before I buy the car?

You have the right to see a copy of the dealer’s warranty before you buy. Review the dealer’s warranty carefully to find out what is covered. Things to look for:

  • How to get repairs done.
  • That includes where repairs are done and who does repairs.
  • Who must carry out what the warranty covers
  • Check out who does the warranty work to see if others have reported problems with them.

What can I do if I have problems after buying a used car?

You can contact the local Better Business Bureau (BBB) in your area to see if they can help you solve the problem. In the Greater New Orleans area, the BBB number is 504-581-6222.

The Louisiana Used Motor Vehicle Commission “LUMVC” is responsible for licensing and regulating independent used car dealers. The LUMVC also investigates complaints about used motor vehicle sales, auctions, crushers, automotive dismantlers, rent with the option to purchase, daily rentals, and used parts and accessories.

The LUMVC only covers dealerships. The LUMVC does not cover sales between individuals.

How do I file a complaint with LUMVC?

You can call the office at 800-256-2977. Or you can fill out a complaint form found at: https://lumvc.louisiana.gov/wp-content/uploads/2019/02/Consumer-Complaint-Process.pdf.

The top of this form has information on where to send it to. Or you can file a LUMVC complaint online at: https://lumvc.louisiana.gov/complaint-form/.

Can I sue the seller if none of the above resolves my issues with the car?

Yes, you can sue.  If you paid $5,000 or less for the car, you could sue the seller in Small Claims Court. For most parishes, Small Claims Court is in the Justice of the Peace Court.

For more information about Small Claims Court, check here: https://lasc.libguides.com/c.php?g=583267&p=4027476.

In Orleans Parish, Small Claims Court is in First Parish Court.

If you live in Algiers, Orleans Parish Small Claims Court is in Second Parish Court. Learn more here: https://www.orleanscivildistrictcourt.org/first-city-court-clerk

Learn more about buying a used car on this site from the State of Louisiana: https://lumvc.louisiana.gov/facts-for-consumers-about-buying-a-used-car/

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Whether the law calls your mobile home moveable or immovable can affects your finances. This is because it can affect your ability to get loans and affects your property taxes. You may be able to switch the legal label for your mobile home from “moveable” to “immoveable, ” through something called an “Act of Immobilization.” Learn more about the Act of Immobilization document at this link: Act of Immobilization.

After recordation, the owner, or the owner’s agent, must file a certified copy with the Secretary of the Department of Public Safety and Corrections, who creates an Internet-accessible searchable database providing a public record.

You must also submit other required documents to the OMV. Find out more here on the site of the Louisiana OMV: Mobile Home Immobilization.

What kind of property is your mobile home? 

Louisiana classifies property as either immovable or movable.

Mobile homes are called movable property unless the mobile home is immobilized.

Immobilizing means the home is made a part of the land, both physically and legally. If made immovable, it is legally treated like land and other buildings on the land.

Here is how you can find out if your mobile home is already “immovable” property.

A mobile home is not immobilized if the land and the home are owned by different people. (If the mobile home is owned, but the land is leased, the mobile home is considered moveable under the law and is treated like cars and boats.)

A mobile home is not immobilized if it is not permanently attached to the land, it can usually be made an immovable property.

A mobile home is not immobilized unless an Act of Immobilization has been notarized and officially recorded.

If you do not know if an Affidavit of Immobilization has been done and filed you can search the parish land records, the Louisiana OMV database, and also.

The parish Clerk of Court’s office can tell you where to check for an “Act of Immobilization.” If you find an Act of Immobilization recorded with the conveyance or mortgage records, then your mobile home is labeled immovable unless there is also an “Act to De-Immobilize a Manufactured Home” there.

What if there is no Act of Immobilization or Act to De-Immobilize a Manufactured Home?

That should mean your mobile home is classified as moveable.

How to change your mobile home to “immovable” property.

You can sign something called an Act of Immobilization to have your mobile home labeled as “immovable” under the law.

Warning: If you sign this you are swearing that the mobile home will remain permanently attached to the land listed in it.

Converting a mobile home to a moveable

If you want to move your immovable mobile home, you need to change it from immovable to moveable. There are steps you can take.

A major purchase may come with a warranty. The warranty may come from the seller or the manufacturer. A “warranty” is a promise to stand behind the thing sold to you. The law says that you must be allowed to read what the warranty says before you buy.  The warranty law covers purchases in person, online, or with a catalog.  Warranties might cover a lot or a little. Look into the details before you buy. You may be given the option to buy an extended warranty. An extended warranty would cover some repairs after the regular warranty expires. Buying an extended warranty is up to you.

The Federal Trade Commission (FTC) tells people to look out for these things when it comes to warranties:

  • What’s the reputation of the company offering the warranty?

Look up the company’s name on the Internet.
Try using words like “complaint” or “review.”
See what other people think of the company or product.

  • How long does the warranty last? 

It depends. The warranty period could be days, months, or years.
Read over the fine print on the warranty to find out how long the warranty lasts.

  • Which parts and repairs are covered by the warranty? What things are not covered? 

If specific parts or repairs that are not listed in the warranty, you should assume they aren’t covered.

  • Will there be extra costs?

Some warranties make you pay for labor or to ship the product back for repairs.
This could be expensive for heavy items.
Again, read the warranty.

  • Are there limits to the warranty coverage?

Do you need to send in a product registration card to get warranty service?
Some limited warranties require that.
Other warranties only cover problems that happen when you maintain or use the product according to the directions.
Many warranties won’t cover problems that happen if you misuse a product or change the way it works.
Federal law states that a manufacturer can’t make you use specific parts and services to keep warranty coverage, unless the warranty provides those parts and services for free, or if the company offering the warranty gets permission from the FTC to make that requirement.

  • How do you get warranty service? 

You may have to contact the manufacturer for help or the seller.

  • What will the company do if the product fails?

The company could repair it, replace it, or refund the money you paid for it.

  • Does the warranty cover "consequential damages?" 

“Consequential damages” are damages the product causes.
Few warranties cover them, or the time and money you spend to repair such damage.

All the things listed above should be in the warranty document. Read the warranty before you buy. Keep a copy of both the warranty and your receipt of the purchase. If the purchase was online, remember to print a copy of the receipt. If any warranty is stated to you verbally by the seller, get it in writing.

Are there other types of warranties that you get when you buy something?

Almost everything you buy is covered by an implied warranty. This is so even if there is no written warranty. All states have implied warranties. Here are some common implied warranties:

  • "warranty of merchantability."

Merchantability means that the seller promises that a product will do what it’s supposed to do.
For example, a car will run and a toaster will toast.

  • A "warranty of fitness for a particular purpose."

This warranty covers what happens when you buy a thing because the seller said it is fit for a particular use.
For example, a seller says a certain sleeping bag is good for zero-degree weather.
That means the seller is giving an implied warranty to buyers that the sleeping bag will is fit for use in zero-degree weather.

In Louisiana, the main implied warranty is called “redhibition.” Redhibition covers problems that come up with the product that make the thing so useless or inconvenient that you would not have purchased it or would have purchased it for a lower price. Even if your purchase doesn’t come with a written warranty, it’s still covered by implied warranties. Big exception: the implied warranty protects you unless the seller gives a written notice that there’s no warranty, or the product is marked "as is".

What about extended warranties?

An extended warranty or a service contract is different from the initial warranty that may automatically come with a product. An extended warranty will cost extra. It may cover different issues than a warranty. It is sold separately. Before you buy an extended warranty or service contract, compare it to the warranty to see if you’ll get any extra benefits for the extra cost. You do not have to buy extended warranties.

What can I do if I have issues with a new product?

  • Try to work out the problem with the place where you purchased it.
  • If you can’t resolve the problem with the seller, write to the manufacturer.
  • Your warranty should list the address of the company that provides the warranty.
  • You may want to send your letter by certified mail and request a return receipt, so you’ll have proof that the company got your letter and signed for it.

Having a warranty doesn't mean you’ll automatically get a refund if a product is defective. The company may have a right to try to fix it before it gives you a refund. But if you report a defect to the company during the warranty period and the product isn’t fixed properly, the company must correct the problem, even if your warranty expires before the product is fixed. 

What can I do if I still have issues?

If your letter or emails don’t resolve the issue, report problems with a company to the Federal Trade Commission at ReportFraud.ftc.gov

You can contact the local Better Business Bureau in your area to see if they can resolve your issues.  In the Greater New Orleans area, their number is 504-581-6222.

Finally, you can speak to an attorney.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Updated 10/12/2022

The Biden administration announced a three-part plan to help those with federal student loan debt. What happens next?

Extended Pause on Loan Repayments

The current pause on federal student loan repayment has been extended one final time through December 31, 2022. Borrowers should expect to resume making federal student loan payments in January 2023.

Changes to the Student Loan System

The Biden administration is proposing changes to the student loan system so that it is more manageable in the future. These include cutting monthly undergrad loan payments in half, increasing the number of Pell Grants available, and changing the rules for Public Service Loan Forgiveness (PSLF) so that it is more accessible to borrowers.

What is the Student Loan Relief Plan?

The U.S. Department of Education (ED) in August 2022 announced that the Student Debt Relief Plan that includes one-time student loan debt relief targeted to low- and middle-income families.

The U.S. Department of Education (ED) will provide up to $20,000 in debt relief to Federal Pell Grant recipients and up to $10,000 in debt relief to non-Pell Grant recipients.  Borrowers with loans held by ED are eligible for this relief if their individual income is less than $125,000 (or $250,000 for households).

What types of loans are eligible for this relief?

The following types of federal student loans with an outstanding balance as of June 30, 2022, are eligible for relief:

  • William D. Ford Federal Direct Loan (Direct Loan) Program loans:
    • Subsidized loans
    • Unsubsidized loans
    • Parent PLUS loans
    • Graduate PLUS loans
  • Federal Family Education Loan (FFEL) Program loans held by ED or in default with your FEEL loan administer
  • Federal Perkins Loan Program loans held by ED
  • Defaulted loans (includes all Stafford, parent PLUS, and graduate PLUS; and Perkins loans held by ED)

However, check with your student loan servicer to make sure your particular loan qualifies.

Consolidation loans are eligible for relief, as long as all of the underlying loans that were consolidated were first disbursed on or before June 30, 2022.

How do I apply for this?

Step 1: Check if you're eligible

You're eligible for student loan debt relief if in 2020 or 2021 you:

  • Filed your federal taxes as an individual or if married you filed separately AND your annual federal income was below $125,000; or
  • Filed your federal taxes as married and jointly file or filed as head of household AND your annual federal income is below $250,000.

If you qualify, then you will get:

  • $20,000 in debt relief: If you received a Pell Grant in college and meet the income test above, you'll be eligible for up to $20,000 in debt relief or
  • $10,000 in debt relief: If you did not receive a Pell Grant in college and meet the income test above, you'll be eligible for up to $10,000 in debt relief.

Step 2: Prepare

Here's what you can do to get ready and to make sure you get our updates:

  • Log in to your account on StudentAid.gov and make sure your contact info is up to date.  ED will send you updates by both email and text message, so make sure to sign up to receive text alerts. If it's been a while since you've logged in, or you can't remember if you have an account username and password (FSA ID), we offer tips to help you access your account.
  • If you don't have a StudentAid.gov account (FSA ID), you should create an account to help you manage your loans.
  • Make sure your loan servicer has your most current contact information so they can reach you. If you don't know who your servicer is, you can log in and see your servicer(s) in your account dashboard.

Step 3: Submit your application (when available)

The application will be available online by early October 2022.

You will be emailed when the application is available. You'll have until Dec. 31, 2023, to submit your application.

For all information on this process, visit: https://studentaid.gov/debt-relief-announcement/one-time-cancellation

How do find out if I qualify for the Pell Grant forgiveness?

Federal Pell Grants typically are awarded to undergraduate students with low or moderate income.  Most borrowers can log in to StudentAid.gov to see if they received a Pell Grant. You will get information about the aid you received, including Pell Grants, on your account dashboard and your “My Aid” pages.

If you did receive Pell Grant(s), the ED will verify this with your application to make sure you will receive up to the full benefit of $20,000 in relief if you meet the income tests.

ED has data on all borrowers who received a Pell Grant.  If you received a Pell Grant prior to 1994, that information won't display in StudentAid.gov, but you'll still receive the full benefit.

Student Debt Relief Scams

Some people are trying to rip borrowers off.  Some scams and how to avoid them are:

  • You will be asked for money to help you fill out an application. There is no fee for this application
  • Never give any personal information or account passwords to anyone
  • Only trust emails from ED which will be from noreply@studentaid.gov

More info on how to avoid student loan scams: https://studentaid.gov/resources/scams

La información proporcionada en esta publicación no representa, y no pretende, un asesoramiento legal. Toda la información disponible en este sitio es información general. Si necesita ayuda legal, debe comunicarse con un abogado. Usted puede ser elegible para nuestros servicios legales. Nuestros servicios son gratuitos. Usted puede solicitar nuestros servicios con llamar nuestra línea directa de asistencia legal por desastre al 1-844-244-7871 o por nuestra aplicación electrónica.

¿Qué es la "regla de los tres días"? ¿Qué cubre la regla de los tres días?

La regla de los tres días también se llama la "Regla de enfriamiento".

Esta regla cubre los contratos de venta realizados en persona en su hogar, trabajo u otros lugares inusuales.

La regla es proteger a las personas contra ser presionadas para una venta, contrato o trato.

Algunos de estos pueden involucrar a personas que van de puerta en puerta para tratar de que las personas compren cosas o servicios.

La regla se aplica a los siguientes contratos de venta:

  • Una venta de $25 o más hecha en su casa
  • Una venta de más de $ 130 en un lugar temporal (como un mercado de pulgas, tienda de campaña, al borde de la carretera, etc.)
  • Pero la venta debe ser para bienes o servicios principalmente para su uso personal, familiar o doméstico. Esto incluye la venta de lecciones, otras instrucciones o cursos de capacitación.

Sin embargo, esta regla NO cubre la venta si fue:

  • hecho para hacer frente a cualquier emergencia
  • hecho completamente en línea, por correo o por teléfono
  • realizado después de que usted aceptó los términos en el lugar permanente de negocios del vendedor que vende los bienes o servicios que compró
  • hecho porque le pidió al vendedor que visitara su casa para reparar o realizar el mantenimiento de su propiedad personal. (Las cosas que compre que no sean esa solicitud de reparación o mantenimiento están cubiertas).
  • involucra bienes raíces, seguros o valores (como acciones)
  • para un automóvil, camioneta, camión u otro vehículo motorizado vendido en una ubicación temporal, si el vendedor tiene al menos un lugar de negocios permanente
  • para cualquier arte o artesanía que se venda en ferias o lugares como centros comerciales, centros cívicos y escuelas

¿Qué información debe decirte el vendedor?

En el momento de la venta, el vendedor tiene que informarle sobre su derecho a cancelar la venta.

El vendedor también debe darte:

  • Dos copias de un formulario de cancelación. Una copia es para que usted la guarde. La otra copia es para enviar al vendedor si decide cancelar su compra.
  • Una copia de su contrato o recibo. El contrato o recibo debe estar fechado, mostrar el nombre y la dirección del vendedor y explicar su derecho a cancelar.

o Nota: El contrato o recibo debe estar en el mismo idioma que se utilizó en la presentación de ventas.

¿Cuándo puedo cancelar el contrato?

Su derecho a cancelar para un reembolso completo dura hasta la medianoche del tercer día hábil después de la fecha en que se realizó la venta o firmó el contrato.  El sábado se considera un día hábil, pero los domingos y los días festivos federales no lo son.  Así que:

  • Si la venta ocurre un lunes de una semana sin un feriado federal, tiene hasta la medianoche del jueves para cancelar.
  • Si la venta ocurre un lunes y martes es un feriado federal, tiene hasta la medianoche del viernes para cancelar.
  • Si la venta ocurre un viernes, tiene hasta la medianoche del martes para cancelar, si no hay feriados federales el lunes o martes.
  • Si la venta ocurre un viernes y el lunes siguiente es un feriado federal, tiene hasta la medianoche del miércoles para cancelar.

¿Necesito una razón para cancelar la venta?

No tiene que dar una razón para cancelar.

Tiene derecho a cambiar de opinión.

¿Cómo cancelo la venta?

  • Para cancelar una venta, firme y ponga fecha a una copia del formulario de cancelación. Envíelo por correo a la dirección indicada para las cancelaciones en el contrato o por el vendedor. Asegúrese de que el sobre tenga matasellos antes de la medianoche del tercer día hábil después de la fecha del contrato.
  • Si el vendedor no se dio formularios de cancelación, escribe una carta de cancelación. Debe tener matasellos dentro de los tres días hábiles posteriores a la venta.
  • Envíe el formulario de cancelación o la carta por correo certificado u otro servicio de oficina de correos que incluya "seguimiento" para que pueda obtener un informe que muestre cuándo lo envió por correo y cuándo se entregó. Además, guarde una copia de la carta o formulario de cancelación o carta para sus registros.

¿Qué pasa después?  ¿Qué tiene que hacer el vendedor después de la cancelación?

El vendedor tiene 10 días para

  • cancelar y devolver cualquier cheque que haya firmado
  • reembolsar todo su dinero
  • devolver cualquier propiedad en la que pueda haber negociado
  • decirle si algún producto que aún tiene será recogido o abandonado

Dentro de los 20 días, el vendedor debe recoger los artículos que quedan con usted o reembolsarle los gastos de envío si acepta devolver los artículos.

Si el vendedor le dio algún artículo, debe ponerlo a disposición del vendedor en tan buenas condiciones como cuando lo obtuvo. Si no pones los artículos a disposición del vendedor, o si aceptas devolverlos, pero no lo haces, aún tienes que pagarle al vendedor. 

¿Qué pasa si el vendedor no sigue las reglas?

Si usó una tarjeta de crédito, puede disputar los cargos de la tarjeta de crédito en función de la violación de la "regla de enfriamiento de la FTC". Vea nuestra publicación sobre esto aquí.

También puede reportar la violación a la FTC en ReportFraud.ftc.gov.

En algunos casos, es posible que pueda usar la violación como parte de una demanda.

La información proporcionada en esta publicación no representa, y no pretende, un asesoramiento legal. Toda la información disponible en este sitio es información general. Si necesita ayuda legal, debe comunicarse con un abogado. Usted puede ser elegible para nuestros servicios legales. Nuestros servicios son gratuitos. Usted puede solicitar nuestros servicios con llamar nuestra línea directa de asistencia legal por desastre al 1-844-244-7871 o por nuestra aplicación electrónica.

Hable con la compañía de agua o energía si se retrasa en su factura.

No ignore las facturas impagas.

Las facturas impagas pueden llevar a cortes.

¿Qué pasa si no puedo pagar mi factura de Entergy?

Primero - póngase en contacto con Entergy.

Hay información en línea sobre la asistencia de pago de Entergy aquí/here.

También puede llamar a Entergy al 1-800-ENTERGY (1-800-368-3749)

Tienes algunas opciones de pago de Entergy:

  • Vea si califica para una extensión de pago.
  • Vea si califica para un plan de pago diferido.
  • Vea si un plan de facturación nivelado funciona de usted. Ese plan mantiene sus facturas mensuales iguales durante 12 meses.
  • Vea si califica para el Programa Power to Care. Comuníquese con el Consejo de Nueva Orleans sobre el Envejecimiento al (504) 821-4121.

¿Cómo solicito obtener dinero para ayudar a pagar estas facturas?

LIHEAP (el Programa de Asistencia de Energía para Hogares de Bajos Ingresos) tiene dinero federal para ayudar a las personas a pagar las facturas de energía y otros gastos relacionados con la energía.

Total Community Action (TCA) conecta a las personas con la ayuda de LIHEAP.

Para ver si califica para LIHEAP, llame a TCA.

(504) 324-8609.

También puede utilizar el sitio web de TCA aquí/ here.

¿Qué pasa si no puedo pagar mi factura de alcantarillado y agua?

Primero, comuníquese con la Junta de Alcantarillado y Agua (SWB).

SWB tiene información en línea sobre la ayuda con los pagos aquí.

También puede llamar a SWB.

(504) 529-2837

Vea si califica para el Programa de Ayuda de Agua / Asistencia de Plomería de la Junta de Alcantarillado y Agua.

El programa ayuda a los clientes ancianos, discapacitados y de bajos ingresos a pagar sus facturas de agua y hacer reparaciones menores de plomería.

Total Community Action (TCA) conecta a las personas con la ayuda de este programa.

Usted presenta su solicitud en persona en:

Acción comunitaria total

1424 South Jefferson Davis Parkway

Nueva Orleans, LA 70125

(504) 324-8609

Para obtener esto:

  1. Usted debe vivir en la parroquia de Orleans.
  2. Debe tener al menos 62 años de edad, o estar discapacitado, de acuerdo con el Seguro Social, la Administración de Veteranos u otra agencia enumerada.
  3. Los ingresos de los hogares deben estar bajo las pautas de nivel de pobreza para el área.
  4. El medidor de agua debe servir solo para una unidad.
  5. Su cuenta no debe estar en estado de disputa.

Traiga lo siguiente para aplicar:

  1. Prueba de edad (licencia de conducir, certificado de nacimiento u otro documento auténtico).
  2. Prueba de discapacidad física si es menor de 62 años.
  3. Comprobante de ingresos (carta de adjudicación o cuatro talones de cheques seguidos).
  4. Estado de cuenta que muestre que usted es el cliente registrado y que su cuenta está activa.

Para obtener más información, puede llamar a TCA: (504) 324-8609.

Otras opciones para su factura SWB.

Pregúntele a la Junta de Alcantarillado y Agua sobre un plan de "Arreglo de pago".

Puede calificar para un plan de pago para ayudar a pagar su factura.

El plan le permitirá pagar lo que debe durante varios meses.

Otra ayuda para pagar las facturas de agua y electricidad.

La Ciudad de Nueva Orleans puede ayudar a los inquilinos cuyos ingresos cayeron debido al COVID. La Oficina de Política de Vivienda y Desarrollo Comunitario de Nueva Orleans dirige este programa de ayuda.

Hay algunos pasos para calificar.

Debe haber sido aprobado antes para este tipo de ayuda. Esa aprobación habría sido para el programa de Asistencia de Alquiler de Emergencia de Nueva Orleans ("ERA").

Debe tener facturas de servicios públicos vencidas. Esas facturas vencidas solo pueden remontarse hasta el 13 de marzo de 2020.

Verifique si califica. Vaya a esta página o aquí para solicitar en línea: https://nola.gov/community-development/utility-assistance-program/

Caridades Católicas de Nueva Orleans - Utility Aid

Llame al (504) 523-3755.

Sitio web: https://www.ccano.org/

Departamento de Servicios Humanos de la Ciudad de Nueva Orleans (anteriormente City Welfare)

Ayuntamiento de Nueva Orleans

Habitación 1W30

Nueva Orleans, LA 70112

(504) 658-3310

Consejo Parroquial de Orleans sobre el Envejecimiento (COA)

2475 Canal Street (4º piso)

Nueva Orleans, LA 70119

(504) 821-4121

La información proporcionada en esta publicación no representa, y no pretende, un asesoramiento legal. Toda la información disponible en este sitio es información general. Si necesita ayuda legal, debe comunicarse con un abogado. Usted puede ser elegible para nuestros servicios legales. Nuestros servicios son gratuitos. Usted puede solicitar nuestros servicios con llamar nuestra línea directa de asistencia legal por desastre al 1-844-244-7871 o por nuestra aplicación electrónica.

¿Qué cargos de tarjeta de crédito puedo disputar?

Si alguna de las cosas a continuación le sucedió, una ley federal llamada Ley de Facturación de Crédito Justo (FCBA) puede ayudarlo.

  • ¿Compraste algo con tarjeta de crédito y no lo conseguiste?
  • ¿Lo que recibiste no fue lo que ordenaste?
  • ¿Se le ha cobrado dos veces por el mismo artículo?

¿Qué cargos están cubiertos por la Ley de Crédito de Facturación Justa?

La Ley de Crédito de Facturación Justa (FCBA) se aplica a las tarjetas de crédito y cuentas sin un tiempo establecido para pagar la cantidad total que debe.

Esto se llama una cuenta de crédito "abierta". Las tarjetas de crédito y las cuentas de cargo rotativas como las cuentas de grandes almacenes son cuentas abiertas.

La Ley de Crédito de Facturación Justa cubre estos. No cubre los préstamos a plazos.

Un "préstamo a plazos" tiene un cronograma de pagos específico, generalmente pagando la misma cantidad cada mes.

Estos pagos programados generalmente se usan para cosas como automóviles, hogares, muebles, electrodomésticos importantes y "pagarés" (como préstamos bancarios).

¿Qué hace la ley?

La FCBA cubre disputas sobre algunos "errores de facturación":

  • La factura tiene cargos que usted no hizo o dejó que otra persona hiciera. (La ley federal limita su responsabilidad por cargos no autorizados a $50).
  • La factura tiene la fecha o el monto incorrectos.
  • Se le facturó por cosas que no aceptó o que no se entregaron según lo acordado.
  • Facturas con errores matemáticos.
  • Facturas que no registraron sus pagos correctamente o le dan crédito para las devoluciones.
  • Facturas que fueron a la dirección equivocada. Esto solo se aplica si la compañía de la tarjeta de crédito tiene un aviso por escrito de su dirección correcta al menos 20 días antes del final del período de facturación.
  • No se le dio una explicación solicitada después de solicitar una aclaración.
  • No se le dio un comprobante de compra por escrito después de reclamar el error.

¿Cómo uso la ley?

  • Escriba una carta a la dirección en su estado de cuenta para "consultas de facturación".
  • Por lo general, esta no es la dirección a la que envía los pagos.
  • Incluya su nombre, dirección, número de cuenta y una descripción del error de facturación.
  • Aquí hay un ejemplo de carta de la FTC (Comisión Federal de Comercio).
  • Envíe su carta por correo para que llegue a la dirección dentro de los 60 días posteriores a la primera factura con el error que se le envió por correo.
  • Es una buena idea enviar su carta por correo certificado u otro servicio de oficina de correos que utilice el seguimiento sobre el que puede obtener un informe.
  • Incluya copias (no originales) de los comprobantes de ventas u otros documentos para mostrar el error o problema de facturación.
  • Guarde una copia de su carta de disputa.

Cuando la compañía de la tarjeta de crédito recibe su carta de queja, tiene 30 días para escribir diciendo que recibió su queja.

No tienen que decir que recibieron la queja si el problema se soluciona dentro de los 30 días.

La compañía de la tarjeta de crédito tiene dos ciclos de facturación (pero no más de 90 días) después de recibir su carta para resolver su disputa.

¿Qué sucede después de que sale la carta?

Después de escribir para disputar los cargos, la FCBA le permite hacer algunas cosas.

Puede retener el pago sobre el monto en disputa (y los cargos sobre ese monto) durante la investigación.

Debe pagar cualquier parte de la factura que no esté en cuestión, incluidos todos los demás cargos financieros, sobre los montos que no está disputando.

El acreedor no puede tomar ninguna acción legal o de otro tipo para cobrar el monto en disputa y los cargos relacionados (incluidos los cargos financieros) durante la investigación.

Tu cuenta no se puede cerrar ni restringir.

El acreedor no puede amenazar su calificación crediticia, reportarlo como moroso, acelerar su deuda o restringir o cerrar su cuenta porque su factura está en disputa o usted ha utilizado sus derechos de FCBA.

Es contrario a la ley federal que los acreedores discriminen a los solicitantes de crédito que ejercen sus derechos de buena fe bajo la FCBA.

Por ejemplo, un acreedor no puede negarle crédito solo porque usted ha disputado una factura.

La cantidad en disputa puede contar contra su límite de crédito.

El acreedor puede informar que usted está impugnando su factura.

Si resulta que su factura tiene un error, el acreedor debe explicarle, por escrito, las correcciones que se harán a su cuenta.

Además de acreditar su cuenta, el acreedor debe eliminar todos los cargos financieros, cargos por pago atrasado u otros cargos relacionados con el error.

Si el acreedor determina que usted debe una parte de la cantidad en disputa, debe darle una explicación por escrito. Puede solicitar copias de los documentos que demuestren que debe el dinero.

Si la investigación del acreedor encuentra que la factura es correcta, se le debe informar de inmediato y por escrito cuánto debe y por qué. Puede solicitar copias de los documentos pertinentes.

En este punto, deberá el monto en disputa, más cualquier cargo financiero de cuando el monto estaba en disputa. También es posible que tenga que pagar la cantidad mínima que no pagó debido a la disputa.

¿Qué sucede si no estoy de acuerdo después de que el acreedor investigue mis reclamos?

Si no está de acuerdo con los resultados de la investigación, puede escribir al acreedor.

Debe hacerlo dentro de los 10 días posteriores a la recepción de la explicación.

Puede decir que se niega a pagar la cantidad en disputa. Pero el acreedor ahora puede comenzar los procedimientos de cobro.

Si el acreedor lo reporta a una compañía de informes de crédito como moroso, el informe también debe decir que usted no cree que deba el dinero.

El acreedor debe decirle quién recibe estos informes de crédito. El acreedor también debe informar de inmediato cualquier final posterior de la morosidad reportada a todos los que recibieron un informe.

El acreedor que no siga el procedimiento de liquidación debe deducir $ 50 de su factura (o los montos en cuestión y los cargos financieros sobre ellos si son inferiores a $ 50).

Esta regla de $ 50 se aplica incluso si la factura resulta ser correcta.

Por ejemplo, si un acreedor reconoce que su queja es demasiado tarde, o tarda demasiado en resolver una disputa, se aplica la multa.

La multa también se aplica si un acreedor amenaza con informar, o informa incorrectamente, su falta de pago durante el período de la disputa.

¿Qué puedo hacer si creo que ha habido una violación de la FCBA?

La Comisión Federal de Comercio hace cumplir la FCBA para la mayoría de los acreedores, excepto los bancos.

Si cree que un acreedor ha violado la FCBA, presente una queja  ante la Comisión Federal de Comercio.

También puede demandar a un acreedor que viole la FCBA.

Si gana en la corte, se le pueden otorgar daños y perjuicios, más el doble del monto de cualquier cargo financiero, siempre y cuando sea entre $ 500 y $ 5,000, o montos más altos si se establece un patrón o práctica de violaciones.

El tribunal también puede ordenar al acreedor que pague los honorarios y costos de su abogado.

Si es posible, contrate a un abogado que esté dispuesto a aceptar lo que le otorgó el tribunal como la tarifa completa por representarlo.

Es posible que algunos abogados no tomen su caso a menos que usted acepte pagar sus honorarios (ganar o perder) o hacerle agregar a la cantidad otorgada por la corte si creen que es demasiado baja.

¿Qué pasa si la queja es sobre la calidad de los bienes o servicios comprados?

Las disputas sobre la calidad de los bienes y servicios no son "errores de facturación."

El procedimiento de disputa anterior no se aplica a las quejas sobre la calidad de los bienes o servicios.

Si tiene un problema con los bienes o servicios que pagó con una tarjeta de crédito o de cargo, puede tomar las mismas acciones legales contra el emisor de la tarjeta que puede tomar bajo la ley estatal contra el vendedor.

Solo puede usar esta protección, si debe haber realizado la compra en su estado de origen o dentro de las 100 millas de su dirección de facturación actual y la cantidad cobrada fue más de $ 50.

Primero debe hacer un esfuerzo de buena fe para resolver la disputa con el vendedor.

Las limitaciones de dólar y distancia no se aplican si el vendedor es el emisor de la tarjeta de crédito, o si existe una relación comercial especial entre el vendedor y el emisor de la tarjeta de crédito. Debido a este derecho a demandar, el emisor de la tarjeta puede estar dispuesto a eliminar un cargo que usted impugne. Pero los procedimientos de la FCBA anteriores no se aplicarán.

¿Qué pasa con otros derechos de facturación que pueda tener?

Las empresas que ofrecen crédito "abierto", como las tarjetas de crédito, también deben hacer estas cosas:

  • La compañía debe darle un aviso por escrito sobre su derecho a disputar errores de facturación cuando abra una nueva cuenta y de vez en cuando.
  • La compañía debe enviar un estado de cuenta por cada período de facturación en el que usted debe, o le deben, más de un dólar o por el cual se le ha cobrado un cargo financiero.
  • Una compañía de tarjeta de crédito debe enviar su factura al menos 21 días antes de que venza el pago con tarjeta de crédito.
  • Una compañía de crédito abierta debe enviar la factura antes de que expire cualquier período de gracia y se impongan cargos financieros (para crédito abierto). La factura debe salir al menos 14 días antes de que se deba un pago mínimo para evitar demorarse (incluso si no hay período de gracia).
  • La compañía debe acreditar todos los pagos a su cuenta en la fecha en que se reciben, a menos que no se produzcan cargos adicionales si no lo hacen.
  • Los acreedores pueden establecer reglas razonables para realizar pagos, como establecer una fecha límite razonable para que el pago se reciba se acredite en la misma fecha, si la hora no es anterior a las 5 p.m.
  • La compañía debe acreditar o reembolsar de inmediato los pagos excesivos y otros montos adeudados a su cuenta cuando le debe más de un dólar.
  • Si prefiere un reembolso, debe enviarse dentro de los siete días hábiles posteriores a que el acreedor reciba su solicitud por escrito.
  • El acreedor también debe hacer un esfuerzo de buena fe para reembolsar un saldo de crédito que ha permanecido en su cuenta durante más de seis meses.

¿Qué pasa si en su lugar llamo a la compañía de la tarjeta de crédito para disputar el cargo?

Los estados de cuenta de la tarjeta de crédito tienen un número al que llamar sobre problemas con la factura.

Muchas personas llaman al número cuando ven un error. Esto puede resolver la mayoría de los problemas.

Programe un recordatorio para asegurarse de que el problema se solucione dentro de los 45 días posteriores a la factura que tuvo el problema.

Si no se soluciona, envíe la carta descrita anteriormente para que la carta llegue a la compañía de la tarjeta de crédito dentro de los 60 días posteriores a la factura con el problema.

La información proporcionada en esta publicación no representa, y no pretende, un asesoramiento legal. Toda la información disponible en este sitio es información general. Si necesita ayuda legal, debe comunicarse con un abogado. Usted puede ser elegible para nuestros servicios legales. Nuestros servicios son gratuitos. Usted puede solicitar nuestros servicios con llamar nuestra línea directa de asistencia legal por desastre al 1-844-244-7871 o por nuestra aplicación electrónica.

Yo recibí un cheque en el correo. ¿Debería de depositarlo?

Necesariamente,  no. Debería de tener cuidado a leer la letra pequeña si es un cheque de una agencia confiable como el Internal Revenue Service (IRS) o si es un común “Live Check Loan.”

¿Qué es un “Live Check Loan” o “cheque vivo”?

Un préstamo con cheque vivo es una oferta de préstamo enviada por las agencias de préstamos a prestatarios preaprobados que ofrecen un préstamo pequeño, generalmente de $ 500 a $ 2500, generalmente a tasas de interés muy altas a menudo por encima del 25% APR.  Esta oferta de préstamo incluirá un cheque extendido a usted listo para cobrar.  Los préstamos de cheques en vivo también deben incluir: una divulgación de las tarifas del préstamo, la tasa porcentual anual (APR), el cronograma de pagos, el acuerdo de préstamo, un aviso de privacidad sobre el intercambio de su información personal, su derecho a excluir su nombre de futuras ofertas, llamado aviso de exclusión voluntaria, e información de contacto del remitente.  Al cobrar o depositar el cheque, usted está aceptando todos los términos y condiciones adjuntos al préstamo.  Asegúrese de leer la letra pequeña incluida con este cheque para determinar si este préstamo es adecuado para usted.

¿Es esta oferta de préstamo preaprobada una estafa?

Los estafadores a veces envían ofertas de préstamos falsas por correo, correo electrónico o mensaje de texto. Estos pueden parecer muy similares a las ofertas reales de préstamos con cheques en vivo, pero se utilizan para obtener su información personal o financiera con el fin de cometer robo de identidad o fraude. Si el préstamo le pide que envíe dinero, información personal o financiera a cambio, lo más probable es que sea una estafa.  Visite la Base de Datos de Quejas del Consumidor de la Oficina de Protección Financiera del Consumidor para ver si el prestamista tiene licencia en su estado y si hay quejas en su contra en https://www.consumerfinance.gov/data-research/consumer-complaints/ Si cree que esta oferta es una estafa, puede informarlo a la Comisión Federal de Comercio en https://reportefraude.ftc.gov/#/

¿Cómo funciona un cheque en vivo?

Si desea aceptar el préstamo de cheque vivo, debe respaldar el cheque firmando el reverso del cheque y cambiando o depositando los fondos en su cuenta bancaria. Esto crea un acuerdo de préstamo que debe pagar con intereses de acuerdo con el plan de pago incluido. Si paga tarde o no paga, es posible que se le cobren tarifas junto con intereses, y el prestamista puede informar su deuda a una agencia de informes de crédito, lo que podría afectar su puntaje de crédito. Para rechazar la oferta de préstamo, debe destruir de forma segura, triturando y tirando, el cheque en vivo para evitar un posible uso fraudulento por parte de otros.

¿Cómo determino si debo aceptar esta oferta de préstamo?

Los préstamos de cheques en vivo pueden ser convenientes ya que no tiene que completar una solicitud de préstamo o presentar documentos. Sin embargo, los préstamos con cheques vivos pueden tener tasas de interés mucho más altas que otros préstamos o tarjetas de crédito. Si está interesado en un préstamo o línea de crédito, debe seguir estos sencillos pasos:

  • Investigue al prestamista. Verifique si el prestamista tiene licencia para hacer negocios en su estado a través del regulador bancario de su estado. Visite la base de datos de quejas de la Oficina de Protección Financiera del Consumidor para ver si el prestamista tiene quejas.
  • Lea el contrato de préstamo. Comprender las tasas y los términos del préstamo ayuda a determinar su asequibilidad. El acuerdo debe detallar el costo anual total de los préstamos, representado como una tasa porcentual anual e incluyendo los costos de interés y las tarifas; el número de pagos requeridos; y los importes de los pagos.
  • Compare precios. Compare las tasas y los términos de los préstamos personales en cooperativas de crédito, bancos y prestamistas en línea. Si tiene mal crédito, es posible que pueda obtener tasas más bajas en las cooperativas de ahorro y crédito federales, que limitan las tasas de los préstamos al 18 por ciento. También puede consultar las tarifas y los términos en los prestamistas en línea. La mayoría ejecuta un tirón suave en su crédito, lo que no tiene ningún impacto en su puntaje de crédito.
  • Enfoque en soluciones a largo plazo. Cree un presupuesto que demuestre sus gastos, que pueda identificar gastos innecesarios y ayudarlo a pagar deudas o dirigir dinero a un fondo de emergencia. Luego puede usar efectivo para emergencias en lugar de crédito de alto interés.

¿Qué debo hacer con este cheque en vivo?

Si decide que desea aceptar la oferta de préstamo, simplemente endose el reverso del cheque con su firma y efectivo o deposite el cheque en su cuenta bancaria. Si decide que no desea aceptar la oferta de préstamo, rompa el cheque y tírelo.  Si no destruye el cheque antes de tirarlo, corre el riesgo de que alguien cobre el cheque a su nombre y se haga responsable de un préstamo que no recibió.

¿Cómo detengo estas ofertas de préstamos no solicitados?

Si no desea recibir cheques en vivo u otras ofertas de préstamos no solicitados, tiene derecho bajo la Ley de Informes de Crédito Justos a optar por no recibir ofertas futuras durante cinco años o de forma permanente. Para optar por no participar por cinco años, llame al 1-888-5-OPTOUT (1-888-567-8688) o https://www.optoutprescreen.com/?rf=t para optar por no participar permanentemente, visite https://www.optoutprescreen.com/?rf=t y devuelva un "Formulario de elección de exclusión permanente" firmado, que enviarán después de realizar la solicitud.

Ya cobré el cheque.  ¿Qué hago ahora?

Al cobrar el cheque, usted quedó obligado a los términos y condiciones de la oferta de préstamo.  Si no puede pagar los pagos como se describe en la oferta, comuníquese con el prestamista sobre las posibles opciones para pagar su préstamo. Si paga tarde o no paga sin llegar a un acuerdo con el prestamista, estos pueden cobrar tarifas junto con intereses, informar su deuda a una agencia de informes de crédito o tomar medidas para embargar sus salarios o embargar su propiedad.

La información proporcionada en esta publicación no representa, y no pretende, un asesoramiento legal. Toda la información disponible en este sitio es información general. Si necesita ayuda legal, debe comunicarse con un abogado. Usted puede ser elegible para nuestros servicios legales. Nuestros servicios son gratuitos. Usted puede solicitar nuestros servicios con llamar nuestra línea directa de asistencia legal por desastre al 1-844-244-7871 o por nuestra aplicación electrónica.

Como muchos estados, Louisiana permite que trabajadores firmen un acuerdo de no competencia si sus empleadores lo piden.

¿Que Son?

Acuerdo de no competencia es un contrato que se prohíbe trabajar en un trabajo similar a lo que estaba haciendo hasta dos años después que dejes el trabajo anterior. El contrato se respeta, aunque una persona deja el trabajo por propia voluntad o por decisión del empleador. Empleadores frecuentemente les dan a nuevos trabajadores este acuerdo con muchas otras paginas para que la persona que esta firmando no se de cuenta de lo que esta firmando. Entonces es muy importante que una persona sepa lo que está firmando. Estos acuerdos iniciaron para proteger los secretos e inversiones de las compañías, pero ahora son parte de muchos trabajos en Louisiana como restaurantes, tiendas, y trabajo de casa.

¿Porque no deberías firmar uno?

Un empleador que no contrata a una persona a menos que firme un acuerdo de no competencia frecuentemente demanda a esa misma persona por dinero y para que esa persona pare de trabajar en su nuevo trabajo si viola el acuerdo. Esto puede pasar si una persona empieza a trabajar en una nueva compañía o si la persona es un trabajador independiente. Lo mejor es que no firme un acuerdo. Si un empleador se pide que firme un acuerdo de no competencia debería de decirle que no. No es ilegal que se pidan que firme el acuerdo, pero no es necesario que firme el acuerdo. Puede decirle al empleador que está dispuesto a trabajar para el/ella, pero sin firmar el acuerdo.

Es difícil rechazar un trabajo cuando una persona necesita trabajo y es difícil encontrar trabajo, pero cuando una persona firma un acuerdo de no competencia se limita a trabajos en el futuro hasta para dos anos cuando termina de trabajar para ese empleador. Tal vez está dispuesto a trabajar para ese empleador sabiendo que se está limitando en trabajos en el futuro, pero cuando más y más empleadores están usando estos acuerdo para restringir los derechos de los trabajadores, se convierte en una problema para toda la gente que trabaja por un sueldo o para la gente que aspira para empezar su propio negocio.

¿Qué pasa si firma un acuerdo de no competencia?

Protéjase de demandas del empleador. Se el acuerdo es legal, el empleador se puede demandar por dinero perdido de su compañía y un corte puede ordenar que pares de trabajar en tu nuevo trabajo. Si no está seguro si el acuerdo es legal, consulta con un abogado si puede. Si el legal, espera que el tiempo requerido en el acuerdo se expire antes de empezar trabajo que podría ser contemplado en el acuerdo de no competencia. Si se demandan, busca un abogado inmediatamente.

What is the “three day rule”?

What does the three day rule cover?

The three day rule is also called the  “Cooling Off Rule.”

This rule covers  sales contracts made in person at your home, work, or other unusual locations.

The rule is to protect people against being pressured into a sale, contract, or deal.

Some of these may involve people who go door to door to try to get people to buy things or services.

The rule applies to the following sales contracts:

  • A sale of $25 or more done at your home
  • A sale of more than $130 at a temporary place (like a flea market, tent, roadside, etc.)
  • But the sale must be for goods or services mainly for your personal, family, or household use. This includes sale of lessons, other instruction or training courses.

However, this rule does NOT cover the sale if it was:

  • made to meet any emergency
  • made entirely online, by mail, or telephone
  • made after you agreed to the terms at the seller’s permanent place of business that sells the goods or services you bought
  • made because you asked the seller to visit your home to repair or perform maintenance on your personal property.  (Things you buy other than that repair or maintenance request are covered.)
  • involves any real estate, insurance, or securities (like stocks)
  • for a car, van, truck, or other motor vehicle sold at a temporary location, if the seller has at least one permanent place of business
  • for any arts or crafts sold at fairs or places like shopping malls, civic centers, and schools

What information must the seller tell you?

At the time of the sale, the seller has to tell you about your right to cancel the sale.

The seller also must give you:

  • Two copies of a cancelation form. One copy is for you to keep. The other copy is to send to the seller if you decide to cancel your purchase.
  • A copy of your contract or receipt. The contract or receipt should be dated, show the name and address of the seller, and explain your right to cancel.
    • Note: The contract or receipt must be in the same language that was used in the sales presentation.

When can I cancel the contract?

Your right to cancel for a full refund lasts until midnight of the third business day after the date the sale was made or you signed the contract.  Saturday is considered a business day, but Sundays and federal holidays are not. So:

  • If the sale happens on a Monday in a week without a federal holiday, you have until midnight on Thursday to cancel.
  • If the sale happens on a Monday and Tuesday is a federal holiday, you have until midnight on Friday to cancel.
  • If the sale happens on a Friday, you have until midnight on Tuesday to cancel, if there are no federal holidays on Monday or Tuesday.
  • If the sale happens on a Friday and the following Monday is a federal holiday, you have until midnight on Wednesday to cancel. 

Do I need a reason to cancel the sale?

You don’t have to give a reason for canceling.

You have a right to change your mind.

How do I cancel the sale?

  • To cancel a sale, sign and date one copy of the cancellation form. Mail it to the address given for cancellations in the contract or by the seller.  Make sure the envelope is postmarked before midnight of the third business day after the contract date.
  • If the seller didn’t give you cancellation forms, write a cancellation letter. It must be postmarked within three business days of the sale.
  • Send the cancellation form or letter by certified mail or another post office service that includes “tracking” so you can get a report showing when you mailed it and when it was delivered.    Also, keep a copy of the letter or cancelation form or letter for your records.

What happens next?  What does the seller have to do after the cancelation?

The seller has 10 days to

  • cancel and return any check you signed
  • refund all your money
  • return any property you might have traded in
  • tell you if any product you still have will be picked up or abandoned

Within 20 days, the seller must either pick up the items left with you, or reimburse you for mailing expenses if you agree to send back the items.

If the seller gave you any items, you must make them available to the seller in as good condition as when you got them. If you don’t make the items available to the seller — or if you agree to return them but don’t — you still have to pay the seller.

What if the seller does not follow the rules?

If you used a credit card, you can dispute the credit card charges based on the violation of the “FTC Cooling off rule.” See our post on this here.

You can also report the violation the FTC at ReportFraud.ftc.gov.

In some cases you may be able to use the violation as part of a lawsuit.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

What credit card charges can I dispute?

If any of the things below happened to you, a Federal law called the Fair Credit Billing Act (FCBA) may be able to help.

  • Did you buy something with a credit card and not get it?
  • Was the thing you received not what you ordered?
  • Have you been charged twice for the same item?

What charges are covered by the Fair Billing Credit Act?

The Fair Billing Credit Act (FCBA) applies to credit cards and accounts with no set schedule to  pay off the whole amount you owe.

This is called an "open end" credit account. Credit cards and revolving charge accounts like department store accounts are open end accounts.

The Fair Billing Credit Act covers these. It doesn’t cover installment loans.

An “installment loan” has a specific a payment schedule, usually paying the same amount each month.

These scheduled payments are usually used for things like cars, homes, furniture, major appliances, and “promissory notes” (like bank loans). 

What does the law do?

The FCBA covers disputes over some  "billing errors":

  • The bill has charges you did not make or let someone else make. (Federal law limits your responsibility for unauthorized charges to $50).
  • The bill has the wrong date or amount.
  • You were billed for things you did not accept or weren't delivered as agreed.
  • Bills with math mistakes;
  • Bills that didn’t record your payments correctly or give you credit for returns.
  • Bills that went to the wrong address. This only applies if the credit card company has notice in writing of your correct address at least 20 days before end of the billing period.
  • You were not given a requested explanation after you requested clarification.
  • You were not given written proof of purchase after you claimed error.

How do I use the law?

  • Write a letter to the address on your statement for "billing inquiries."
  • This usually is not the address where you send payments.
  • Include your name, address, account number, and a description of the billing error.
  • Here is a sample letter from the FTC (Federal Trade Commission).
  • Mail your letter so that it reaches the address within 60 days after the first bill with the error was mailed to you.
  • It’s a good idea to send your letter by certified mail or other post office service that uses tracking you can get a report on.
  • Include copies (not originals) of sales slips or other papers to show the billing mistake or problem.
  • Keep a copy of your dispute letter.

When the credit card company gets your complaint letter, it has 30 days to write saying it got your complaint.

They do not have to say they got the complaint if the problem is fixed within the 30 days.

The credit card company has  two billing cycles (but not more than 90 days) after getting your letter to work out your dispute.

What happens after the letter goes out

After you write to dispute charges the FCBA lets you do some things.

You may withhold payment on the disputed amount (and charges on that amount) during the investigation.

You must pay any part of the bill not in question, including all other finance charges, on the amounts you are not disputing.

The creditor may not take any legal or other action to collect the disputed amount and related charges (including finance charges) during the investigation.

Your account can't be closed or restricted.

The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights.

It against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the FCBA.

For example, a creditor can’t deny you credit just because you've disputed a bill.

The disputed amount can count against your credit limit.

The creditor may report that you are challenging your bill.

If it turns out that your bill has a mistake, the creditor must explain to you — in writing — the corrections that will be made to your account.

In addition to crediting your account, the creditor must remove all finance charges, late fees, or other charges related to the error.

If the creditor determines that you owe a portion of the disputed amount, it must give you a written explanation. You may request copies of documents proving you owe the money.

If the creditor's investigation finds the bill is correct, you must be told promptly and in writing how much you owe and why. You may ask for copies of relevant documents.

At this point, you'll owe the disputed amount, plus any finance charges from when the amount was in dispute.

You also may have to pay the minimum amount you missed paying because of the dispute.

What happens if I disagree after the creditor investigates my claims?

If you disagree with the results of the investigation, you may write to the creditor.

You must do that within 10 days after receiving the explanation.

You may say that you refuse to pay the disputed amount. But the creditor may now begin collection procedures.

If the creditor reports you to a credit reporting company as delinquent, the report also must say that you don't think you owe the money.

The creditor must tell you who gets these credit reports. The creditor also must promptly report any subsequent end of the reported delinquency to everyone who got a report.

creditor who fails to follow the settlement procedure should deduct $50 from your bill (or the amounts at issue and finance charges on them if they are less than $50).

This $50 rule applies even if the bill turns out to be correct.

For example, if a creditor acknowledges your complaint is too late — or takes too long to resolve a dispute, the penalty applies.

The penalty also applies if a creditor threatens to report — or improperly reports — your failure to pay during the dispute period.

What can I do if I think there has been a violation of the FCBA?

The Federal Trade Commission enforces the FCBA for most creditors except banks.

If you think a creditor has violated the FCBA, file a complaint with the Federal Trade Commission.

You also can sue a creditor who violates the FCBA.

If you win in court, you may be awarded damages, plus twice the amount of any finance charge — as long as it's between $500 and $5,000, or higher amounts if a pattern or practice of violations is established.

The court also may order the creditor to pay your attorney's fees and costs.

If possible, hire a lawyer who is willing to accept the awarded to you by the court as the entire fee for representing you.

Some lawyers may not take your case unless you agree to pay their fee — win or lose — or make you add to the court-awarded amount if they think it's too low.

What if the complaint is about the quality of the goods or services purchased?

Disputes about the quality of goods and services are not "billing errors."

The dispute procedure above doesn’t apply to complaints about the quality of goods or services.

If you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller.

You can only use this protection, if you must have made the purchase in your home state or within 100 miles of your current billing address and the amount charged was more than $50.

You must make a good faith effort to resolve the dispute with the seller first.

The dollar and distance limitations don't apply if the seller is the credit card issuer, or if a special business relationship exists between the seller and the credit card issuer.

Because of this right to sue, the card issuer may be willing to remove a charge that you challenge. But the FCBA procedures above will not apply.

What about other billing rights that I may have?

Businesses that offer "open end" credit, like credit cards, also must do these things:

  • The company must give you a written notice about your right to dispute billing errors when you open a new account and from time to time
  • The company must send a statement for each billing period in which you owe — or they owe you — more than one dollar or on which you have been charged a finance charge
  • A credit card company must send your bill at least 21 days before your credit card payment is due.
  • An open end credit company must send the bill before any grace period expires and finance charges are imposed (for open end credit). The bill must go out at least 14 days before a minimum payment is due to avoid being late (even if there is no grace period).
  • The company must credit all payments to your account on the date they're received, unless no extra charges would result if they failed to do so.
  • Creditors can set reasonable rules for making payments, like setting a reasonable deadline for payment to be received to be credited on the same date, if the time is not earlier than 5 p.m.
  • The company must promptly credit or refund overpayments and other amounts owed to your account when it owes you more than one dollar.
  • If you prefer a refund, it must be sent within seven business days after the creditor receives your written request.
  • The creditor also must make a good faith effort to refund a credit balance that has remained on your account for more than six months.

What if I instead call the credit card company to dispute the charge?

Credit card statements have a number to call about problems with the bill.

Many people call the number when they see a mistake. This may solve most problems.

Schedule a reminder to make sure the problem is fixed within 45 days of the bill that had the problem.

If it is not fixed, send the letter described above so that the letter will get to the credit card company within 60 days of the bill with the problem.

Updated May 17, 2022

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

How can I get free or discounted Internet service?

The federal government offers two Internet discount programs.

You may be able to get free or discounted Internet from one of these two programs:

  • the Lifeline Program; and/or
  • the new “Affordable Connectivity Program, or “ACP.”

What is the Lifeline program?

The Lifeline program can cut up to $9.25 off a monthly Internet bill. Lifeline benefits can cut up to $34.25 per month for those on Tribal lands.

You cannot get Internet service from Lifeline if you have a cell phone or phone plan through Lifeline.

Learn more about Lifeline here: https://slls.org/free-cell-phone-assistance-2022/.

What is the Affordable Connectivity Program (ACP)?

The ACP is a new federal Internet discount program.

The ACP replaced the Emergency Broadband Benefit (EBB).

If you used to get the Emergency Broadband Benefit (EBB), your Internet company should have talked to you by March 1, 2022, about how to keep your discount. If you lost your discount through the EBB, you can still apply for the ACP now.

If you never had the Emergency Broadband Benefit before, you can also still apply for the ACP.

You can’t apply now for aid under the Emergency Broadband Benefit program.

Who is eligible for the Affordable Connectivity Program (ACP)?

One of these things must be true for you or someone in in your household.

  • Income at or below twice the Federal Poverty Guidelines;
  • Gets SNAP, Medicaid, Federal Public Housing Assistance, SSI, WIC, or Lifeline;
  • Aid from tribal programs. These include Bureau of Indian Affairs General Assistance, Tribal Head Start (only households meeting income caps), Tribal TANF, or Food Distribution Program on Indian Reservations;
  • Aid from free and reduced-price school lunch program or school breakfast program, including through the USDA Community Eligibility Provision;
  • Has a Federal Pell Grant during the current award year; or
  • Qualifies for help from a low-income program a broadband provider already has.

How much is the ACP discount?

ACP aid is:

  • Up to $30/month discount for broadband service;
  • Up to $75/month discount for households on qualifying Tribal lands; and
  • A one-time discount of up to $100 for a laptop, desktop computer, or tablet purchased through a participating provider. The household must contribute more than $10 but less than $50 toward the purchase price.

There is only one monthly service discount per household.

There is only one device discount per household.

How do I apply for the ACP?

Apply through Lifeline if you have Internet service from Lifeline. If you want to switch Internet companies, you must be sure that the new company is part of the ACP.

(You cannot get Internet service from Lifeline if you already get a Lifeline cell phone discount.)

If your Internet is not through Lifeline, apply through your Internet company.

The link below has a list of companies with the ACP: https://data.usac.org/publicreports/CompaniesNearMe/Download/Report.

If you do not already get Internet aid, you must apply for the ACP online or by mail:

  • Apply online at ACPBenefit.org
  • Print an application from http://www.acpbenefit.org/. Mail the completed form ACP Support Center, PO Box 7081, London, KY 40742.
  • If your Internet company is part of the ACP, ask your company if it has its own ACP application for you to complete.

If you are approved for the ACP, you can only use the discount with an Internet company that is part of the ACP.

You must make sure your Internet company applies the ACP discount to your bill.

Which companies can I use the discount at? 

Internet companies with the ACP are listed here: https://data.usac.org/publicreports/CompaniesNearMe/Download/Report

As of May 9, 2022, 20 different Internet companies began offering Internet plans that cost $30 per month or less. If you use your ACP discount on one of these plans, you will have no cost for your Internet access. Internet companies offering these $30 per month or less Internet plans are listed here: https://www.whitehouse.gov/getinternet/?utm_source=getinternet.gov.

For more information on the ACP, visit www.fcc.gov/ACP or call 877-384-2575.