The Basics of Acquiring a US Visa

It’s not uncommon to dream of visiting places you see in the movies. Let me guess, most of them are in the United States. To name a few, New York, LA, Miami, Washington and Chicago are some of the common tourist destinations in the US. You have the resources but you harbor this apprehension of being denied.

This should not stop you from making your travel plans a reality. If you have relatives in the US or you would like to travel solo, the key is to know what type of visa you must apply for, the necessary documents you must fill out, and more importantly, the purpose of your visit to the US.

First things first, know the difference between a US Visitor Visa (B-2) and a US Visa Sponsorship.

These two things are not the same.

The visitor visa often known as B-1/B-2 visa is a non-immigrant visa for people wishing to enter United States temporarily for pleasure, medical treatment, and business. In this case, you apply for your US Visa with the US Embassy or Consulate. Whereas, a U.S. visa sponsorship is applied for by the employer or close family member by filing an immigration petition with the U.S. government for getting a residency card (Green card) for their employee or close family member. This is also known as non-immigrant petitions such as work visa (e.g., H, L visa) as well as family visa (e.g., Fiancé or K visa).

What is the purpose of your visit?

You will be asked this question by the US consul who you will meet when you get to the embassy. But before that, determine the purpose of your trip. If the purpose of your trip is to visit USA for a short duration for pleasure, tourism, and visit relatives, family, or friends, then visitor visa known as Tourist visa to USA or B-2 visa is the right visa for you.

However, keep in mind that you if apply for a visitor’s visa, among other things, you must show to the US Consular officer that they have strong ties to the Philippines as you home country and they intend return after their temporary stay in the U.S. You must also show that you have enough money available to take care your expenses for your U.S. trip such as air tickets, visitors insurance, lodging/boarding, transportation expenses, tourism expenses and all other expenses.

What if I don’t have enough resources but my friends and relatives in the US are willing to shoulder my stay there?

Then this is where sponsorship sets in.

Who can sponsor my trip?

Any US-based person can sponsor visa for his/her parents, relatives, and friends. This means that he/she must either be a holder of an I-94 (US Green card) or a US Citizen. Your sponsor should provide an affidavit of support (form I-134). The form is a confirmation that the sponsor is ready to undertake the financial liability of the applicant during the visit.

What documents do I need to submit?

Must have Documents for US Visitor Visa interview:

  1. A valid passport that does not expire prior to 6 months beyond of your intended stay.
  2. Printout of your confirmation page from the form DS-160
  3. Fee receipt US Visa Fees
  4. One photograph
  5. Original/Copy of Visa interview appointment letter

Supporting documents to show your Ties with your home country include:

You must demonstrate strong economic, social, and familial ties with your home country. You must also show that you will not become a burden on US by proving your financial stability to cover the expenses in US. These facts will ensure the interviewing officer that you will return to your home country after the authorized period of stay in USA. The required documents are:
1. Evidence of sufficient funds for the visit to US (Bank statement and passbook, etc.)
2. Evidence to show that you have strong ties to your home country. Documents related to the property you own and your employment are good evidence
a. If you are employed get a verification letter of employment
b. If you are self-employed get a financial and other documentary proof of the ownership
c. If you are a government employee get a Certificate of Employment and an Authority to Travel Certification
d. Tax ID, and recent tax-related documents
e. Original property papers like house, shop or business ownership documents etc. which you own in the Philippines/home country. If no papers available, make a notarized affidavit for the same
f. Documentary evidence of running any business or organization
g. Evidence of family ties like unmarried children, old aged parents and other family responsibilities
h. If person is an employee, other than proof of employment and proof of leave granted from the office, any such document that would show proof that you have reasons to come back

Documents and other proofs aside, the assistance of an immigration counsel/consultant who would facilitate your application and better your chances of getting approved is strongly suggested and highly encouraged.

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First Offense DUI

There are strict penalties for a First Offense DUI conviction. If you are arrested for a First Offense DUI in Michigan, here are some of the penalties you are facing upon conviction.

  • Operating While Intoxicated (OWI) $100 to $500 fine:
  • Up to 360 hours of community service.
  • Up to 93 days in jail.
  • Possible vehicle immobilization.
  • Driver license suspension for 30 days, followed by restrictions for 150 days.
  • Six points added to driver record.
  • Possible ignition interlock.
  • $1,000 Driver Responsibility Fee for two consecutive years for OWI.
  • $500 Driver Responsibility Fee for two consecutive years for OWPD.

Not only is an arrest for a First Offense DUI embarrassing, it can cost your job, thousands of dollars in legal fees leaving you and even fear about what is what your future holds.

You need to find a good lawyer to help you fight your first offense DUI charge. You need to find a lawyer that is dedicated to providing their client with an aggressive drunk driving defense no matter the complexity of your OWI/DUI case. Most good lawyers offer a free OWI/DUI case evaluation to help you better understand the complexity and uniqueness of your case. A good drunk driving defense strategy aims for the absolute best results.
While the law is the same throughout Michigan, local courts often employ differing procedures in how they handle such cases, and it is important to have an attorney representing you who is familiar with these differences and able to use them to your advantage.
Being stopped and put under arrest for drunk driving is an embarrassing event. The penalties are extreme and are becoming tougher by the year. If you are arrested for DUI, OWI or impaired driving, you probably have many questions such as: am I going to jail? Will I lose my driver’s license? Can I take my case to trial and win? Again, a good Criminal Defense Lawyer can help you figure out these issues with you. Do not face these kinds of charges alone.

Depending on the facts and circumstances of your case and your previous record, a drunk driving conviction can result in jail time, significant fines and costs, community service, work crew, loss of your driving privileges and probation.

I am amazed at how many times I see people think they can handle a first offense dui offense by themselves. This is a grave mistake. Always have a lawyer by your side when you are facing a dui charge.

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Did You Leave The Scene Of An Accident Even Though You Were Not At Fault?

State law in Ohio requires each person involved in a crash on a public road or parking lot to report the incident to police. The hit-and-run statute also imposes legal duties to remain on the scene, speak with investigators, alert emergency medical personnel when injuries occur, and, when possible, provide first aid to people who got hurt in the wreck.

The rules apply equally to the person who causes the crash and the victims. One of the implications of this is that victims of hit-and-run collisions can get charged with driving off after a wreck. Another is that failing to call in a crash can greatly complicate the insurance claims process, in large part because no official police report will get generated.

Do understand, however, that leaving a note on a parked car can protect an at-fault driver. Likewise, a person who comes back to a damaged car will not face problems for failing to report the incident immediately after it happened. When a hit-and-run involves an unoccupied vehicle, some leeway is allowed.

How a Victim Can Face Blame for a Hit and Run

Picture a four vehicle pile up at an intersection. A truck driver set off the chain reaction by failing to brake in time while approaching a red light. He slams into the back of a car, pushing it into the path of traffic crossing from a side street with a green light. If both the truck driver and the person in the car take off without checking on people in the other cars, without giving statements and insurance information to law enforcement officers, and without calling 911, both can be charged with the offense that Ohio courts call leaving the scene of an accident.

Problems With Hit-Skip Victim-Blaming

Even though the person driving the vehicle was a victim of the truck driver’s negligence or recklessness, the person has to comply with the hit-and-run law in order to avoid possible criminal consequences. The victim might have panicked or just assumed that he or she did not need to stick around because the truck driver was clearly at fault. Police and the court would not be inclined to accept either excuse at face value, so hiring a hit-and-run defense lawyer would be a good idea for the driver.

Beyond the legal concern, remaining on the scene would spare the driver from coming under suspicion of causing any part of the wreck and inflicting any injuries. Simply getting accused of instigating a hit-and-run collision can make filing and collecting on insurance claims impossible. Insurers will work hard to deny claims from a driver they believe to be at fault.

Speaking with a lawyer who does hit-and-run defense can help in a situation like this. The attorney will be able to organize and present evidence to support the victim’s right to make claims. The lawyer could also use evidence to explain why leaving the scene of the accident would be understandable and forgivable.

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Ensuring That You Own Your Content’s Copyright

You have been a prolific writer for your business for a long time and, of course, just like all other writers, you use sources to back up the facts that you write in your content. Of course, there is no reason for you to assume anything other than the fact that you own the copyright of all of the content that you are writing.

Sometimes the line is obscured

If you own the copyright on specific content (including graphics, videos, etc), that means that you can do anything that you wish with that content. After all, it belongs to you. On the other hand, if someone else owns the copyright on the content, you are severely limited from doing what you want with that content. That means that you can’t recycle the content and use it over and over again, you can allow other people to post the content on their websites (for increased exposure and a wider reach), and you can’t touch the images (making them smaller, larger, wider, narrower). Your hands are tied in that case. However, you may not always understand when it is appropriate (legally and ethically) to alter the content in any way and when you really need to be hands off.

You probably have an accurate sense that you can’t just find a graphic image online, copy it, and embed it in your content. That is just common sense. If you use any portion of someone else’s content (words), you probably realize that you must give the author credit for what he or she has written. However, the copyright goes far beyond that. It is extremely important for you to understand the basics of copyright and how that applies to you and to your business. If you don’t pay attention to what you are allowed and not allowed to do, you may get yourself into trouble (legally and financially speaking). There are some concepts that will benefit you if you at least have a working knowledge of them. Hopefully, they will not actually apply to you at any time but being aware is very important for you.

  • Have a licensing agreement, including an invoice: That is an invoice from the person who owns the copyright. If you plan to use material of which someone else owns the copyright, you will probably need to pay that person (or that entity) some money. There may be rare occasions in which the person or entity will not charge you money but you need to have a written agreement between you so that you don’t get into trouble.
  • Lawsuit as a result of copyright infringement: This is a lawsuit that occurs in a federal court. The person or entity doing the suing is the owner of the copyright. The lawsuit will make demands, such as your eliminating all of the copyrighted material from wherever you have posted it online. You will also (most likely) be expected to pay some amount of money (damages) and there is also the potential that you will be asked to pay the lawyers’ fees.
  • Cease-and-desist communication: This is a communication (usually in the form of a letter) from the person who owns the copyright telling you that you must delete their content from wherever you have posted it.
  • Digital Millennium Copyright Act takedown notice: This is a notice that refers to the act on behalf of the copyright owner. It is sent to your web hosting service. It will insist that your web hosting service disables any access to wherever the copyrighted content appears.

The disturbing thing about this situation is that, depending on the whim of the copyright owner, you may end up paying in any number of ways. It might be minor but it might be major as well. You may be notified of the copyright violation in stages. If you respond immediately after you receive the first notice, you may get lucky and after doing whatever is demanded of you, that will be the end of it, as long as you never do it again. However, if you continue, the consequences will probably get more and more severe. You will need to tread lightly in this situation and do whatever you need to do quickly if you want to escape relatively unscathed.

Educate yourself about your rights

When you first write a piece of content, you need to make sure that you take all measures to ensure that you never run into these types of problems that are described above. If you don’t happen to be the one creating the content, you need to make sure that you get the other person to assign copyright ownership to you. It is critical that you have it in writing. The best thing to do is to have a written contract between you and the other person. Hopefully, in that case, there will be no question about anything. If you want the creator to be able to benefit from the content, it is safest to put that into the contract as well. The sorts of things that you will want to put into the contract are: exactly what is being created, how revisions are handled, deadlines and consequences if those deadlines are not met, the payment schedule, who will own the copyright, and who will be responsible for the consequences if the copyright is violated. If you have a long-term relationship with that person, you will probably find that you will need to revise your contract over time.

Conclusion

Copyright ownership may not have been something that you thought about very often (or at all); however, you need to have it in mind all of the time and be cognizant of doing the right thing. If you don’t, the consequences will probably not be pleasant. You need to protect your reputation and your bank account at all times. Copyright laws are very complicated and you may not even realize that you are violating any of those laws. However, you need to be aware of what you are doing and make sure that you don’t continue to violate any copyright laws. Interestingly, there are a few situations in which you don’t need to get permission from the copyright owner of the content. You should do the research and determine when those rules apply, which will ease the burden a little bit. Undoubtedly, you were not aware that you were doing anything wrong. However, once you are aware, you need to make sure that you do everything by the book.

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India Tourist Visa Guidelines for Visa Extension

Longer extensions must be approved by the Ministry of Home Affairs (MHA). The process of applying for one can give you a bit of a grace period while they consider it. It’s important to note that if you stay in the country illegally beyond the period of your visa, you may face fines, deportation and/or up to five years in prison.

Visa conversions and extensions are handled by the MHA only between 10 A.M. and noon, Monday to Friday. The address for the main office is Foreigners’ Division, MHA, Lok Nayak Bhawan, Khan Market, New Delhi. If you want to change your visa status from one category to another, you should go in person to the office. In case of serious illness, you can send a representative. If you aren’t in Delhi, go to the nearest Foreigners’ Registration Office (FRO), which will forward your case to the MHA for approval. Applications for extensions or conversions should be made a few months before your current visa expires, if possible.

In general, you can’t change the category of your visa while you are in India; e.g., if you are in India on a Tourist Visa, you can’t just decide to take up a job. In such a case, you have to go back to your own country to apply for a new visa. The MHA does have the authority to give you a different visa if there are extraordinary circumstances, but they rarely do it.

PIO Cards and OCI Status- If your parents, grandparents or great-grandparents were Indian nationals, or if you are the spouse of an Indian citizen or PIO, or if you once held an India passport, you can get a PIO (Person of Indian Origin) Card that is valid for 15 years. This card allows visa-free entry to PIOs living abroad, but you do have to register if you stay more than 180 days.

There is also a status called Overseas Citizenship of India (OCI) that is available to PIOs or others who either are or were eligible for Indian citizenship at a certain time. This is not dual citizenship. Rather, it’s essentially a permanent visa that allows you to come and go as you wish and to stay as long as you like without registering. It gives you most of the privileges enjoyed by Indian citizens, except that you can’t vote, buy agricultural land, or hold certain public offices.

Exit Visa- If your passport is lost or stolen; you have gone to the FRRO so you can get your visa transferred to the new passport. Or you can get an Exit Visa, which will allow you a certain number of days in which to leave the country legally. Without one or the other, you won’t be able to leave India. To get an Exit Visa, you need to present your new passport, a letter from your embassy giving details of the lost or stolen passport, and the original police report, as well as proof of date of entry into India (i.e., your boarding pass, a letter from the airline on which you arrived verifying date and place for your arrival in India, or a photocopy of your visa and entry stamp).

Special Permits- In order to visit certain restricted or protected areas, including the Andaman Islands, Lakshadweep, parts of Ladakh, and some of the Northeastern States, you will need a special permit. Some permits (excluding Inner Line permits for border areas of Ladakh, which take only a day) may take a week or two to get, so you should apply well in advance. You can get permits come Sikkim from embassies and consulates abroad before you come, or the Foreigners’ Registration Offices in India, and in Darjeeling and Siliguri, as well as at certain major airports.

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Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

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Basics of Navigating the Digital Millennium Copyright Act (“DMCA”)

Due to the proliferation of the Internet, social media platforms, and hosting websites, online service providers have often become unwitting hosts to materials that may potentially infringe on the copyrights of another. Likewise, original content creators have also increasingly found themselves to be targets of unjustified DMCA takedown requests. Sometimes these takedown requests are made for anti-competitive or harassing purposes by competitors of the website operator.

The Digital Millennium Copyright Act (DMCA) provides a safe harbor in certain circumstances for website operators, who host materials submitted by third parties that may infringe the copyrights of others. If the copyright owner provides a take down notice in compliance with the requirements of the DMCA and the website operator timely complies with its obligations under the DMCA, it may be shielded from liability for copyright infringement. The website operator can adopt and post a copyright policy to facilitate DMCA compliance. A sample copyright policy is below, which requests that a takedown notice including at least the following information:

  • A detailed description of the copyrighted work you believe is being infringed upon description of the location of where the alleged infringing content appears;
  • Your contact information (including name, address, telephone number, and email address);
  • A statement that you have a good faith belief that the alleged infringing use is not authorized by you as the copyright owner, your agent, or by law;
  • A statement affirming that, under penalty of perjury, the information in the notice is accurate and that you are indeed authorized to act on behalf of the copyright owner; and
  • An original signature of the copyright owner or someone authorized on the owner’s behalf to assert infringement of the copyright as well as to submit the claim.

In addition to the policy, the website operator should register an agent with the United States Copyright Office.

While the above identifies a number of eCommerce and internet law issues affecting compliance with the DMCA, an in-depth analysis may be required. For example, the timeliness requirement for the take down has been a hot litigation topic lately. Additionally, the DMCA applies to copyrights only, and does not currently provide a safe harbor for trademark infringement or patent infringement claims. These type of claims stemming from users of the website can be addressed in the Terms of Use or other website agreement between the website operator and its users.

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Studying Abroad – Top Reasons and Benefits That Can Change One’s Life

An abroad country is referred to as by many as one of the best place one can look to migrate to, to live in, travel or study. It is a very strong and viable choice for anyone looking to travel to for any purpose because of its hospitality, the services and the lifestyle. However, one main reason that will attract young adults and students is its educational facilities. In abroad you got an excellent range of universities, schools which offers varied streams and courses to suit the masses. Many people every year migrate to and stay in overseas countries for the sole purpose of education, learning skills from their preferred courses. They end up availing the services of good study visa consultants before they do so.

Studying in any country abroad in today’s age isn’t like what it used to be decades ago. Students now have multiple avenues that can help them reach abroad, get enrolled in a suitable course and much more. They also have the most reason to study abroad because of the system of education they have in own country. The education system is highly competitive, and each year it gets worse with higher cutoffs and with quotas or reservations for seats. A promising student might thus, miss out on proper education solely on either of these two factors.

When looking to study in overseas universities, one wouldn’t have to face such factors. Merit is given more importance than simply the marks they got in their previous education. As a result, studying in a developed country is simply a country where any student can get a chance at top notch, quality education without any compromise or restrictions. There are a lot more reasons which compel all the students travelling abroad to study.

Top Reasons why visiting Abroad to Study is a Great Decision for Prospective Students:

a) Finance and Expenditure:

Many people used to be on the bench about travelling to other countries to study because they thought how expensive the whole ordeal would cost them. They would think that their parents would be unable to afford their course fees and their stay. All these fears are now debunked with the loans and schemes available to all students.

Students can take loans at attractive EMIs, which will pay for their fees and other financial aspects of their visit to abroad. Apart from this, Students can also apply for scholarship programs which can help them cover the costs of fees and reduce their expenditure.

b) Well-recognized Education Degrees:

A student might naturally choose to pursue their career after completing their course in an abroad university itself, in some other country, or return back. All this is completely fine since degrees from good universities and colleges are recognized in all countries

c) Enjoy different Cultures and Societies:

Any student who travels to any other country, will certainly enjoy the culture and societal make-up. A student will find it easier to assimilate because of cultural references.

To avoid any types of risks to the student’s security, their abroad education consultants will help them get by peacefully. They will make sure that they get placed in only the most secure place they can find, where they will be assimilate and stay peacefully.

d) Professional Help from Valuable Sources:

Students looking to travel abroad to study should know that they won’t be alone in their efforts, nor will their parents. This is because all students looking to study abroad will receive support from education consultants.

These study visa consultants will include of trained and certified professionals who will help the students realize their potential. They will also see to it that the students settle in correctly, acting like a guardian in place of their parents, instructing them and reporting on them to their parents.

There a lot more reasons why studying in abroad countries yields more benefits than staying in one’s own country for studying. All students looking to visit a new country, as a result, will not only enjoy these benefits of studying there, but also get to explore a new country, learn the culture, and make new friends, relations and much more.

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Personal Injury Should Be Well Taken Care Of

If there is ever a situation where a person is suffering terribly from an injury, disability or in worse case scenarios, even death, mostly due to a careless negligence of an individual, in such cases, the personal injury law covers these instances and extends its hand for help.

A severe injury can cost an individual to shell out a lot of money, sometimes an amount that the individual might not even be capable of paying, if you opt for a personal injury claim in such desperate moments then you are eligible to seek some compensation for the injury you have faced and the payment gets taken care of because of the claim.

Mostly this law covers all the kinds of injury that can possibly take place, these injuries can be of any type. It can either be something that can cause a lot of harm to your body or it can make you face some kind of emotional trauma as well. It can be anything and at anytime and having a claim especially for these kinds of injuries will help you in emergencies.

Be alert and be careful of every step you take.

Let us have a look at some of the tips that can help you get this claim:

• DO NOT DELAY TO GET SOME MEDICAL ATTENTION

The first and foremost step that you need to take when you get an injury is to seek out for medical help immediately and instantly. Do not under any circumstances delay that step because the more you delay it, the more serious it can get, therefore seek out for some medical help as soon as you find yourself in such a situation.

• BE CAREFUL OF THE STATEMENTS YOU MAKE

Be absolutely confident and clear in what you say in the accident scene. Do not say anything that might make the situation much more complicated than it already is or give rise to some kind of a conflict. Be clear in what you have to say and keep it straight when asked about it. This will help in dealing with the process much quickly.

• KEEP A CHECK ON ALL THE EXPENSES

This would include all the bills in the hospital. Be it expense bills; diagnose bills, medical bills or any other tests that you might have undergone. Have a record of all the expenses because it might be asked for when you go to claim for compensation. You can also keep a record of some lost wages that you might have faced due to missing work. Keep a track of everything.

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Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are:

  • Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.
  • After completing a final loan contract, you are asked to sign a new contract with higher down payment.
  • You are trapped with deceptive advertisements and you have been sold a more expensive car.
  • Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.
  • Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that:

  • Your car cannot be removed from a locked garage by the car repossession company without your consent.
  • You can put your car up in auction or you can pay the full money in order to buy back the car.
  • On paying repossession costs or reinstating your loan, you can get your car back in some states.
  • Your car must not be sold below market value.
  • You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

  • Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.
  • Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

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