By Christine Anderson Ferraris Many of us know of someone who has lost money and possibly their personal information to a tax scam. Probably the most important thing to share is that the Internal Revenue Service (IRS) will not initiate contact with a taxpayer by email, text message, or social media channels or a phone call to request personal or...
By Christine Anderson Ferraris This month’s article offers a few tips on precautions for internet financial transactions. Tip 1: Take extra precautions for logging into bank and other financial accounts. Create “strong” user IDs and passwords by choosing combinations of upper-and lower-case letters, numbers, and symbols that are hard for a hacker...
By Christine Anderson Ferraris This month’ article offers tips on how to approach a business with a complaint when you have a problem with goods or services purchased. Everyone has a right to be given specifics about a product or service prior to purchase (including warranties) and about the process to resolve a problem if the promised product or...
By Christine Anderson Ferraris Arizona law limits interest rates to protect its residents from predatory lending. By way of example, the maximum annual percentage rate (APR) including fees is 41% for a $2,000, two-year installment loan. In 2008, 60% of Arizona voters rejected a payday lender ballot initiative that would have overturned the state’s...
By Christine Anderson Ferraris Hi folks, this month we’re sharing few general tips on requirements to pursue a legal claim against an Arizona public entity. Generally, you need to file claim quickly with the appropriate authority – In Arizona, Notice of Claim Statutes, Arizona Revised Statutes Sections 12-820 through 12-826 govern how to pursue a...
By Christine Anderson Ferraris Hi folks, this month we’re offering a few general tips on how to manage when you are unable to make payments on a large expenditure, such as a new or used car, truck or recreation vehicle. The following tips are some suggestions to consider on how to proactively avoid repossession. If you have any questions about the...
By Christine Anderson Ferraris You may be a victim of unfair and deceptive practices if you weren’t offered a refund or replacement vehicle when you were sold a lemon. You should know that federal and state laws protect consumers from cars that require constant repairs, even if the repairs are made for free under a warranty. If the dealer, or...
