Author Archives: admin

Class action against State Road Auto Sales settled

This office, along with  Attorney Kenneth D. Quat of Framingham, recently settled a consumer class action against State Road Auto Sales, Inc., of Westport.   We sued State Road on behalf of consumers who signed contracts with them that were in … Continue reading

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Target shoppers, don’t panic!

So, maybe you are among the 40,000,000 Target shoppers whose credit and debit card accounts have been compromised by a security breach that took place over the three weeks after Thanksgiving.  In response, consumers are being warned to do everything … Continue reading

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CFPB: Our government at its best

I recently returned from the annual training event at which over 900 consumer lawyers shared their successes and challenges and were brought up to date on the latest rules, court cases, and public policy issues in the world of consumer … Continue reading

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The self-image of a voter

It’s now a truism that the recent election was won by armies of grass-roots staffers and volunteers approaching voters one-on-one to make the case for President Obama and supportive House and Senate candidates.  I was one of those canvassers.  I … Continue reading

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A new year resolution: question “doc fees”

The end of the year …  time to review, cull, and shred old case files.  A veritable trip down memory lane, reminding me of all the clients I helped and those I was unable to help. Some of those old … Continue reading

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Dealer won’t pay the two (thousand) dollars… ordered to pay $37,881.38

Representing victims of bad car deals often brings to mind that old vaudeville routine with the punch line,  “Just pay the $2!” * These cases often start out as disputes over relatively little money.  The customer typically learns that the … Continue reading

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The APR: apples to apples

Now let’s discuss what was innovative about the APR back when it became a mandated disclosure, and why it’s so important in allowing you to shop for the best credit deal. Before you ever heard of the APR, you knew … Continue reading

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The Annual Percentage Rate: the real cost of credit

The other conspicuous disclosure on every Truth-in-Lending disclosure form is the Annual Percentage Rate, or APR.  Expressed as a percentage (%), the APR is defined as “the cost of your credit as a yearly rate.” Behind this seemingly simple definition … Continue reading

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The Finance Charge: your “price tag” for credit

On every TILA form two disclosures are especially conspicuous, printed in larger and bolder type than the others:  the Finance Charge and the Annual Percentage Rate (APR).  The Finance Charge, expressed in dollars and cents,  is defined as “the sum … Continue reading

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Time for the Orrall exam

I interrupt this consumer education to bring you a rant,  occasioned by a recent  special election for state representative here in southeastern Massachusetts.   The newly elected representative is Keiko Orrall.  A Republican living in the town of Lakeville, she introduces … Continue reading

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