Protect Packages from Porch Pirates

A close up of someone picking a package up off a doormat on a porch

Millions of people shop online everyday, but statistics show that the prevalence of thieves who steal deliveries from doorsteps - colloquially known as "porch pirates" - has gone up alongside the rise in online shopping. These opportunistic thieves cruise neighborhoods looking for unattended packages to purloin, and, once stolen, it may feel like there is little you can do to get your money or your purchase back. Your attorney through your membership in our Legal Protection Subscription Plans for Individuals & Families can help you by going over purchasing agreements with the business you ordered from as well as the delivery company to go over any refund clauses to make sure they're holding up their end of the bargain so you may get refunded if your purchases ever get stolen from your porch. Learn more about all the benefits of membership and read on for a few tips on preventing porch piracy.

• Have a locked receptacle on your porch where delivery drivers can put your packages

• Require a signature from someone in your household to accept all deliveries

• Have packages sent to and kept at the Post Office until you pick them up

• Install security cameras

• Have packages delivered to your work

• Maintain a Post Office box where you can collect deliveries

Don't take risks and confront package thieves. A physical altercation with a thief can - believe it or not - put you at risk for being responsible if the thief is injured on your property. Your attorney through our Legal Protection Plans for Individuals & Families can go over purchasing and delivery agreements with you so you can better understand your rights and responsibilities - as well as the responsibilities of the seller and the delivery company - when it comes to thieves stealing your deliveries. Learn more about all the benefits of membership or sign up today!

Your Guide To A New Credit Card

A close up of a hand holding a credit card

It's a familiar sight: you open your mailbox and see a bunch of envelopes... and half of them turn out to be credit card offers. Your email inbox often looks the same. Credit cards can be a great way of building or rebuilding credit, but it's important to understand the terms and conditions that come along with accepting offers of new lines of credit. Your attorney through our Legal Protection Subscription Plans for Individuals & Families can help you understand the legal language in these agreements and contracts, protecting you and your money before you ever sign on the dotted line. Learn more about our Legal Subscription Plans and read on for a few tips regarding new credit cards.

A "Low Interest Rate" offer is a familiar hook that credit card companies use to lure in new customers, but it is important to understand the terms of the offer. Low interest rates are often billed as "introductory," meaning that they end after a period of time and the interest rate will go up (in some cases, dramatically) when that period ends. This can lock you into high payments that you may not be able to afford. Make sure you understand what the interest rates will be during the introductory period and what they will be when they expire as this will have an enormous impact on your ability to repay.

Another interest rate-related item is that there may be different interest rates depending on the type of transaction. For example, cash advances often carry much higher interest rates than consumer spending, While this information is included with your agreement when you sign up, it is often in fine print and is sometimes worded to be deliberately confusing. An attorney will be able to look over the agreement and tell you what the contract states the interest rates will be for various types of transactions.

A missing or late payment can void the low introductory interest rate and incur additional fees. Knowing when payments are due is critical, and, if you choose to pay by mail, make sure that you have allowed for ample time for the payment to be delivered, sorted, and applied to your account before the due date. Electronic and automatic payments can alleviate this problem.

How you pay can also add fees. This is information that is likely buried in the fine print of your agreement, but some payment methods actually incur processing fees, most commonly when making payments via telephone. Make sure that you know which payment methods have an additional fee attached to avoid them.

Exceeding your credit limit can also have major consequences. Many people think that if you try to spend more on your credit card than the credit limit you have allows that the transaction won't go through, but this is often not the case. Some credit card companies allow you exceed your credit limit so that they can charge you substantial fees when it happens. These fees and penalties add up quickly and make your debt much larger than your credit limit.

In fact, using credit cards can have all kinds of fees. In addition to late fees, payment method fees, overcharge fees, and administration fees, you can also be charged for using ATMs, balance transfers, and more, including an annual fee just for having the card.

Credit card companies know that virtually no one actually reads the fine print in the cardholder agreements, but all of this information is there. When people do read it, it is often written in such a way as to be difficult to understand (in legalese, so to speak)and printed in nearly unreadable font sizes. Credit card agreements are generally available to print from the credit card company's web site, and you can alter the font size to make it more readable. it is very important to your finances that you take the time to read and understand what you are agreeing to when you accept a credit card offer. Your rights and responsibilities are laid out in these documents, but credit card companies don't make it terribly easy for you.

If you are interested in getting a new credit card but have difficulty reading the fine print and need help understanding what it means for you and your money, your attorney through our Legal Protection Subscription Plans for Individuals & Families will be able to help by going over agreements and contracts from credit card companies, contractors, utilities, and other services before you sign so you know exactly what you're agreeing to. It's just one of the hundreds of benefits available to you for just one low, monthly fee through our Legal Protection Plans. Learn more about all the benefits of membership or sign up today!

What Is Defamation?

A close up of old books on a shelf with Latin titles in gold foil.

Defamation is a term that is thrown around in the media a lot, but what does it really mean? Defamation is a public statement that damages another person's reputation. Sometimes called "defamation of character," when someone believes that a false statement has hurt their character or the public’s perception of them, that person can sue the person stating the falsehoods. While there is some confusion about how statements can impact one's First Amendment rights and how that impacts another person's reputation, the simplest way to think about it is this: while a person has the right to speak the truth, the keyword is "truth"; no person has the right to make false statements about another person. Further, First Amendment rights mean that a governmental body cannot prosecute you for what you say; it doesn't mean that someone else can't take actions regarding your statements. If you have questions regarding a potential defamation case, contact your attorney through our Legal Protection Subscription Plans for Families & Individuals and read on for a brief overview of defamation.

After you bring a defamation lawsuit, you will need to prove all of the following:

• A person made a statement about you

• The statement was disseminated and/or published in public

• The statement damaged your reputation

• The statement was false

• The person who made the statement did not have the right to do so

The frequency of defamation cases has increased with the ready availability of publishing tools afforded by the Internet and social media sites. It is always important to remember that posting something on a social media site is like taking out a full page ad in the newspaper a couple of decades ago. Additionally, you are responsible for everything you say on these platforms; oversharing - and not paying attention to audience settings - can lead to legal issues. What you say online is treated the same way as traditional forms of publication and media.

Both slander and libel are forms of defamation. Defamatory comments that are only spoken (such as in a TV interview) is considered slander, while remarks that are published - including on social media - is libel.

The laws concerning defamation vary from state to state and can be complex, so it is always best to consult with an attorney if you are the victim of or have been accused of defamation, slander, or libel. You can get all your legal questions answered by our dedicated, experienced network of attorneys for one low, monthly fee when you sign up for our Legal Protection Subscription Plans for Individuals & Families. Sign up today!

2023 Travel Tips

A man in a beige coat walks down a hallway with windows on one side, carrying two suitcases

The recent problems at airports across the country may have you wondering what your options are if your flights are canceled or delayed or if you run into other problems while traveling. Your attorney through our Legal Protection Subscription Plans for Individuals & Families will be able to give you legal advice for your specific situation for no additional cost. Learn more about all the benefits of membership and read on for a few basic travel tips for the coming year.

If Your Trip Is Canceled

Cancellations usually have to be caused by an event or a third party in order for you to have a legal case. There are some cases where you have legal standing if you have to cancel your trip, such as an illness, death or injury to a close family member, civil unrest, or military employment, to name a few. If you need to cancel your trip and you're having trouble getting a refund from the airline, your attorney may be able to give you advice and assistance.

If Your Flight Is Delayed

Delays longer than four hours may require that the airline reimburse you. You can be reimbursed for expenses such as lodging, meals, and other transportation caused by the delay. Delays caused by severe weather, maintenance, or other reasons may also be covered, so check with your provider attorney for advice about your specific situation.

Lost Luggage

Your suitcases and other luggage must be missing for a certain amount of time before it is considered lost. Make sure that you know what that amount of time is, and, if your luggage does become officially lost, you can be reimbursed for the value of the contents up to a certain amount.

Keep A List Of What You Packed

Making a list of everything of value that is packed into your suitcases or other luggage will help if your belongings are lost. If you pack items of value (such as cameras, jewelry, tablets, phones, etc), you may reach the upper limit of airline reimbursement. It's important to make wise choices regarding what you decide to pack.

Don't let the worries of potential issues keep you from enjoying travel this year. By preparing for the kinds of scenarios we're seeing across the country, you can still travel and enjoy your trip knowing that all your legal bases are covered if your flights are delayed or canceled or if your luggage gets lost. Learn more about all the benefits of membership or sign up now!

Your Finances This Holiday Season

A display featuring a plain wreath made of white branches on the left, a decorated wreath made from evergreen boughs on the right, pinecones, ornaments, pine garland, and stockings on a fireplace mantle

According to a recent poll, more shoppers are paying for holiday purchases with credit, and of those, more than 50% couldn't pay off those purchases. Overspending is nothing new during the holiday shopping season, but with recent inflation and other economic downturns, how can you take control of your holiday spending? If you ever have questions about consumer finance issues - from agreements for store credit or memberships to credit card fraud or identity theft - your attorney through our Legal Protection Plans for Individuals & Families can give you advice for your specific situation, read through agreements and contracts, and help you if you become a victim of identity theft, fraud, or other consumer finance legal issues. Learn more about the benefits of membership and read on for a few spending tips this holiday season.

Set A Budget

Plan your budget by setting a realistic limit and sticking to it. Make a list of everyone you want to get a gift for and make a plan for what you want to spend overall and for each person or event. Discuss spending limits for gifts with friends, family, and co-workers, if needed.

Thoughtful Gifts Vs. Expensive Gifts

Not every gift needs to be expensive to show someone you care. Creative, thoughtful gifts are often more special than pricey presents. Think about the things that those on your gift list are into, and look into customized, simple gifts, like a customized apron for the baker in your life.

Coupons & Sales

There are more - and sometimes better - options than shopping on Black Friday or Cyber Monday. Keeping your eyes peeled for December sales events outside of the big sales days sometimes gets you even better deals!

Make A Shopping List

Create a list with everything you plan to buy for the holiday season and what you will spend on those items, and then stick to it. While you're out shopping, try not to get distracted by the holiday displays... they're put there precisely for that reason: to distract you and get you to buy things you don't need on impulse.

Baked Goods & Cards

While we want to buy a gift for everyone in our lives, sometimes, a great way to do that and stay in budget is to make goodie bags with cookies and other treats for co-workers and others, and a heartfelt card is also a good choice to spread holiday cheer.

Sometimes Last Minute Shopping Works

While we try to get everything done for the holidays well in advance, sometimes good deals can be had by waiting until closer to the holiday before we buy. Certain holiday items will almost certainly go on sale as the holiday nears - wrapping supplies and candy are two examples of this - and, those after holiday clearance sales can get you a major jump for next year without breaking the bank.

The old saying goes, it's the thought that counts, and we are all watching our budgets this year. If you find yourself needing advice about debt, your provider attorney through our Legal Protection Plans for Individuals & Families can give you advice and answer questions about credit card debt, bankruptcy, store membership agreements, credit accounts, and more consumer finance topics, all for one low, monthly subscription fee. Learn more about all the benefits of membership or sign up now!

Navigating Inflation

A woman looks at a receipt with her hand to her head while sitting at a table in front of a laptop computer

Rising inflation is causing American families additional added stress this fall. With back-to-school shopping and the holidays coming up, families are feeling the pinch at the pump and the register. Everyone is trying to find ways to make their dollars stretch further and minimize costs, and with prices on consumer goods spiking, despite many families cutting back on additional spending this year, experts predict a 35% increase in spending compared to 2019. Even in an economy that favors consumers, the holiday season can place a financial burden on families. How can an attorney help you through high prices? Many retailers offer special deals if you sign up for various programs, and your attorney can review those contracts for you, to help you understand all the legal intricacies of what you're agreeing to when you sign up, all for no additional fee when you're a member of our Legal Protection Subscription Plans for Families & Individuals. In the meantime, here are a few tips that may help you and your family manage inflation.

Take Advantage of Discounts

Some retailers offer special discounts and limited time specials throughout the holiday shopping season. Many offer discounts for veterans, teachers, college students, and more. Take advantage of every discount you're entitled to and consider participating in retailers' rewards programs, as well, particularly if you already shop at that store. Make sure to read the fine print or have your attorney review the contract before you sign on the dotted line.

Try To Time Your Spending

Watch for sales and try to time your purchases of non-essential items to when they're on sale. Retailers have many sales, closeouts, and special promotions throughout the holiday shopping season, so keeping an eye out for when the items you want will be on sale is a great way to save some money.

Watch Overspending

Think about things you might need that could be purchased used, or trade with other families for things you need with things you don't use anymore. Joining "buy nothing" groups on social media is one way to find out about these trading opportunities. Second hand shops, consignment stores, and thrift shops are other alternatives to getting items you need but don't want to pay full price for, and maybe make a little back by selling things you no longer need.

Re-purpose Things You Already Own

There are many times we go through closets, attics, basements, sheds, garages, and storage units and find things that we already own but we forgot we had. Many of these items can be put to use, used for something else, or sold online for cash.

During a high inflationary period, it's important to have protection in place so you're not taken advantage of in an already trying time. Maximizing financial stability starts with making sure you, your family, and your rights are protected, and an attorney will be able to help you navigate consumer finance legal issues quickly and easily and prevent you from losing more money over a sour deal. Learn more about our Legal Protection Subscription Plans for Individuals & Families, or sign up today!

Tips To Protect Yourself From Auto Theft

A tightly framed picture of blue lights atop a police car.

There has been a dramatic uptick in auto thefts across the country recently, and, while automakers are planning roll outs this fall of security kits to reduce the risk, there are a few additional things you can do to prevent being the victim of car theft. Here are a few tips to protect your car:

Lock It Up

It might seem like it should go without saying, but a basic defense system is to make sure that your car is locked whenever you leave it. Locking your valuables in the trunk or center console and away from prying eyes and then locking your car will make your vehicle less desirable to thieves looking to make a quick buck on online sales sites or the pawn shop with your belongings.

Take Valuable Items With You

Items that can be pawned or sold make cars a target for thieves, so make sure that your valuables are hidden from view in the trunk, console, glove box, or under the seat before you leave and lock your car, or take them with you when you leave your car.

Choose A Well-Lit Parking Spot

If it is at all possible, try to choose a parking spot that is well lit and in full view of the public. Thieves don't want to draw attention to themselves or be seen, so they are more likely to choose a target that is in a darker area and away from view of the public. Even better, choose a spot that has security cameras.

Alarm System

Though audible alarms systems have been around for a long time, experts still say that they are one of the best deterrents for preventing car theft. If your car didn't come with one, consider having one installed that makes a loud noise if your car is broken in to.

Never Leave Your Key Fob Behind

If your car has a push-button or remote starter, make sure you always take your key fob with you. Never leave it in the car.

Consider An Immobilizer System

An immobilizer is a kind of anti-theft technology using computer chips in the car that recognize a certain coded key. This prevents your car from being hot wired.

Tracking

A more high-tech solution is a tracking system - also sometimes called a Vehicle Recovery System or VRS - and it uses GPS technology to track the movements of an object, such as your vehicle. Police may be able to find the thief quicker with this information if your car does get stolen.

Your attorney through our Legal Protection Plans for Individuals and Families can give you more information about auto safety and theft, and give you advice about what to do if your car is broken in to or stolen, all for one low, monthly price! Learn more about all the benefits of membership or sign up today!

Traveler's Rights

A person walks along a sidewalk while wearing a backpack and pulling a rolling suitcase

As people begin traveling again, you may find that airports are crowded, flights are cancelled, and that there are increased delays, and, while airlines and other travel-related businesses may give you a refund or voucher for your inconvenience, that isn't always the case. A smooth trip begins with knowing your rights as a traveler and consumer, and knowing what to do if your trip is delayed or cancelled. How do you know if you are owed compensation? What rights do you have as a traveler and consumer? Our network of dedicated attorneys in our network of law firms across North America and the UK can advise you on your specific situation at no additional cost to members of our Legal Protection Plans for Individuals & Families. In the meantime, here are a few traveling tips to protect your rights:

Your Options

When a flight is cancelled, sometimes, the airline will offer a refund or a different flight. Understanding the legal language used in these offers is important, because they are often confusing and unclear. If you are unsure what the language the airline has used in your offer means, you can ask the customer service representatives or ticket counter staff to clarify what it means for your situation. Some questions that might be pertinent to your situation include: Is the airline covering hotel costs associated with this delay?" and "What kind of compensation is the airline offering?"

Communication

If there are to be long delays, the airline should be communicating with you and giving you the most up-to-date information available. Alternate transportation should also be provided.

Terms, Rules, & Regulations

Airlines often have their own terms, conditions, rules, and regulations, and they are not required by law to give you refunds when flights are delayed or cancelled. However, most airlines have policies regarding these circumstances, and they should be publicly available. Make sure to read through what these stipulations are to determine if you are entitled to a refund or other compensation. Ask questions to make sure you understand all your options.

Typical Refund Eligibility

Don't assume you'll get a refund if your flight is cancelled or delayed. Because some things are out of the airlines' controls, they are not required to refund you, but most airlines have some considerations in their policies, including the length of the delay and what caused it. If your flight is significantly delayed, your cost may be refunded, but you should keep in mind that the U.S. Department of Transportation has not defined what qualifies as a "significant delay," so airlines typically make these considerations on a case-by-case basis. When flights are cancelled, airlines typically re-book your flight at no cost to you, many times, on the next flight out if there are enough available seats. If you decide to cancel your trip due to the delay, you are entitled to a refund for the travel, bag fees, and anything else you paid the airline for. When delays and cancellations are out of the airline's control, the Department of Transportation says that compensation is required only when passengers are removed from a flight due to overbooking. Some examples of things that are deemed out of control of the airline are: weather, air traffic control issues, political unrest, security problems, and terrorism. If the cause of the delay or cancellation is due to something under control of the airline, they may offer you a refund or other compensation. These reasons are things such as scheduling or labor strikes.

If your flight is delayed or cancelled, remain calm and make note of details. Take screenshots of communications between the airline and yourself and make note of the amount of time you wait. Ask questions and get clarifications before accepting vouchers, and if you have questions, ask your attorney. Our network of experienced, dedicated lawyers are available 24/7 through our app, so you can have your attorney look through the language of any offer you receive before you accept it. This is just one of the hundreds of benefits of having an attorney in your pocket through our Legal Protection Subscription Plans for Individuals & Families. Don't wait until you need them: sign up today!

Successfully Working With A Contractor

A pair of contractors walk through a building in progress

Whether you're planning a renovation or a home repair, hiring the right contractor is extremely important. It's critical to know as much as possible about the company you're hiring to work on your house or project, getting multiple bids, preventing miscommunication, understanding any contracts, and knowing what to do if there is a dispute. Our network of attorneys through our Legal Protection Subscription Plans for Individuals & Families can help you through the entire process of working with a contractor, including going over bids, contracts, and helping you through the legal process if there should be a dispute. Learn more about all the benefits of membership and read on for a few tips on working with contractors.

The Contract

It is essential that you have a contract when hiring a contractor before work begins on your home. Get everything in writing, and make sure that your contract covers:

• A complete and thorough description of the job and the work to be done

• Pricing for the job and each part of the job

• How and when payments are to be made

• Any guarantees or warranties offered by the builder

• The dates work is to begin and end

• Signature of both parties

• Payment

As mentioned above, an important item to include in the contract is a payment schedule. An example of this might work something like: A down payment before work begins, another payment at the halfway point in the project, and a final payment at the completion of the job. Another payment schedule might be weekly payments based on work completed to date. Having a payment schedule can ensure that the work is getting completed in a timely and correct fashion.

The Right to Cancel

The FTC and some local laws allow for you to cancel work if you need to. An attorney well versed in the laws of your locality will be able to give you detailed and accurate advice regarding your rights in this situation.

Document The Work

Take pictures, keep change orders, bills, and invoices. These items will be useful to make sure the project stays on track and on time. Make sure everything has a date on it and keep your documentation in a safe place and altogether.

What If There's A Dispute

It's a sad fact that things sometimes don't work out, and if you are unhappy with the work or the work wasn't completed and the contractor won't return your calls, an attorney will be able to walk you through the legal aspects, but here are a few suggestions of things to try:

Contact Them

Be respectful, as there may have simply been a miscommunication. If they do not treat you with respect, make sure to document the call and what was said while it is fresh in your mind. If they work for a company, contact them and explain the situation.

Send a Formal Letter

Writing a formal demand letter is often enough to get the contractor back out to finish the work. If you are not comfortable writing such a letter or don't know what to say, our network of lawyers will be able to draft and send a letter on your behalf at no additional fee. Send the registered letter through the postal service to ensure delivery.

File Complaints

The Better Business Bureau, the Contractor Recovery Fund, Homeowners' Recovery Fund, and state and local agencies can help you handle a contractor who has disappeared and/or is not returning your calls.

Get Legal Advice

Our network of dedicated, experienced attorneys can write letters on your behalf, give you legal advice, look over contracts, and protect your rights, all for one low, monthly fee.

If You're A Contractor:

Sometimes, contractors who do good work and complete a job still come across clients who say they're unhappy and refuse to pay. What can contractors do if this happens to them?

Document everything from Day One on the job.

Take photos and videos before you start work, at the end of each work day, and at the end of a job. This gives you a dated timeline of the work.

File A Lien

File what is known as a Mechanic's Lien on the property. This is a guarantee of payment for contractors, so that, when a contractor performs the work and the client refuses to pay, the contractor can file a lien and demand payment before the lien is removed.

File A Breach of Contract

When the terms of the contract are met and the customer still refuses to pay, this is a breach of contract and contractors can then take the client to court for failing to uphold the terms of the agreement.

Whether you're a homeowner or a contractor, having a lawyer in your back pocket (literally, if you use our app!), protecting your rights, your property, and your livelihood is your number one priority. With our Legal Protection Subscription plans for Individuals & Families and for Small Businesses, you can protect your rights, your property, and your work for just pennies per day!

How To Avoid Traffic Ticket Scams

A police officer sits in her cruiser flipping through papers with a pen in her hand

Traffic ticket scams are on the rise, and they go something like this: you get a ticket in the mail that includes a picture of your license plate running a red light. But you don't remember being at the intersection named in the ticket. Dozens of victims have reported receiving traffic tickets in the mail that appear legitimate but are actually part of a scam. Our network of attorneys through our Legal Protection Plans for Individuals & Families can answer your questions and give you advice for your specific situation. In the meantime, if you receive a traffic ticket in the mail, here are six ways to tell if it is real:

Carefully Read The Whole Ticket

A careful read of the entire ticket and anything else that comes with it may give you clues as to the legitimacy of the ticket. One woman noticed that the supposed date of the traffic infraction was on February 30th, for instance. Some clues aren't as blatant as that obvious lie, though, so try to remember where you were on the date in question, whether you were near the location named on the ticket, or if you even drove that day. Taking a few minutes to really read through what you've been sent can reveal the scam right away.

Contact The Authorities

Don't call the number listed on the ticket you received, but call the local law enforcement where the infraction supposedly occurred. Do a quick web search to get the proper contact information and compare it to the numbers you received. When you call, make sure to ask if the number printed on the ticket you were mailed is an actual number for the law enforcement agency in question. The police will be able to tell you whether the ticket is valid and take a report for your false ticket, as well, if the ticket is not legitimate.

Don't Click Any Links

If the ticket came to you via email, it is almost certainly a scam and visiting any link sent to you is taking a risk of the scammers stealing your personal information or installing malware on your machine without you knowing. Clicking on links can also lead to identity theft or scamming you out of money.

Don't Reveal Personal Information

Make sure to investigate by calling the law enforcement agency supposedly responsible for your ticket to verify its veracity before filling out any forms with your personal information, such as credit card information, Social Security numbers, your address, or any other sensitive information. Legitimate law enforcement will not ask for this kind of information (outside of your name) or your credit card  or other payment information over the telephone.

Make Sure All Web Sites Are Official

Only pay tickets online through official web sites that begin with "https." The "s" tells you that web site is secure.

Get Legal Advice

Criminals are always looking for new ways to steal honest people's money and information, so it is critical that you protect yours and your family's privacy, rights, and personal information. Getting legal advice in cases such as this is easy with our Legal Protection Subscription Plans; asking questions doesn't cost you anything more than your monthly subscription fee.

Scams aren't always easy to spot, and even vigilant people are sometimes taken in. With ticket scams like these on the rise, having a lawyer in your pocket is a real benefit. Get legal support, consultation, answers, and advice from our network of dedicated, experienced lawyers for just $29.95 per month. Learn more about all the benefits of our plans or sign up today!

Cyberbullying & The Law

A computer screen in a dark room is lit by a single desk lamp and is covered with binary code

In our increasingly online world, cyberbullying has become all-too-common: more than 40% of Americans have experienced online harassment and nearly 70% have witnessed it. Those who bully others can be classmates, co-workers, or even complete strangers. Often, these bullies create multiple fictitious accounts to avoid being caught and facing repercussions. The anonymity of the Internet and the slow response by authorities to threats in the online world have harmed millions of Americans. Your attorney through our Legal Protection Subscription Plans can give you expert, detailed advice pertaining to your situation if you ever find yourself or someone you love being cyberbullied. Read on for more information about cyberbullying and what can be done about it.

Cyberbullying can be many things, including:

• Publication of personal identifying information (doxxing)

• Cyberstalking

• Posting falsehoods and rumors

• Threats

• Publishing personal or intimate photos

• Spamming public sites with negative reviews (Yelp, etc)

• Impersonating someone

• Violating restraining orders or protective orders

Cyberbullying can feel like it will never end and can be extremely cruel, causing severe emotional trauma and even physical harm. All 50 US states have some form of cyberbullying law, but these laws vary significantly from state-to-state. Some states have anonymous reporting systems, education programs for students and school staff, and punishments, including suspensions or expulsions. In some states, cyberbullying can be a misdemeanor that can result in jail term of up to one year. In some states, cyberbullying may be prosecuted as a felony.

Unfortunately, there is no Federal cyberbullying law; however, some Federal statutes regarding discrimination based on nationality, race, gender, color, gender identity, disability, age, religion, and sexual orientation come into play if the harassment is based on any of those traits. Federally funded schools are obligated to investigate and resolve harassment and bullying in these cases.

Some steps you can take if you or someone you know is the victim of cyberbullying:

• Review and understand the Terms of Service (TOS) of the platform on which the harassment occurred when bullies violate the rules

• Document all threats and harassment with screenshots and print outs for possible use in court

• Report the harassment to the platform where the bullying happened to report a violation of their Terms of Service

• Report anonymous accounts

• Report multiple accounts run by the same person

• Block the perpetrator(s)

• If you're a parent and the victim is your child, review your child's online communications

• Make sure you know all your child's login information where they spend time online

• "Follow" your child's social media accounts

• Any threat that includes threats to use firearms or explosives should be immediately reported to the FBI

• Let your local police know about the situation; if you later become the victim of "swatting" (the harassment of calling police with fake emergency situations such as hostages or home invasions), the police may contact you first before sending out a SWAT team to your home

• If the bullying is happening at school, let the school administration know

If you're dealing with online threats and harassment, your attorney through our Legal Protection Plan for Individuals and Families can advise you of your rights in your state, county, city, and school district, and give you advice on the next steps to take. Our network of dedicated, experienced attorneys can provide you with quick answers for bullying and harassment, as well as any other legal issue you may be having, all for one low, monthly fee, starting at just $29.95. Learn more about our Legal Protection Plans or Sign Up Now!

Avoiding Pitfalls of Online Sports Betting

A woman sits on a couch with a laptop, holding a credit card in one hand.

As sports seasons come and go, millions of fans obsess over brackets, picks, and put down real money on the outcome of games and matches. It is now legal in many states to engage in online sports betting, and the industry is growing exponentially. Americans wagered nearly $53 billion last year and the online sports betting industry doubled in size. As when any market grows, legal questions come with it. You can always talk to your attorney through our Legal Protection Plans about any legal questions you may have regarding online gambling (or any other legal questions), but in the meantime, here are four things to remember about online sports betting.

Laws Governing Online Gambling Will Vary From State to State

Nearly half of states have legalized online gambling, but the rules vary depending on where you are; in some states, it's still illegal entirely. The first thing to know is if online gambling is legal where you live. Next, look up the laws in your state, even if it is legal, because the laws, rules, and regulations over online gambling are changing all the time. If you have questions about online sports betting laws in your state, you can consult with your lawyer.

Make Sure The Sports Book You're Using Is Reputable

Don't commit to the first sports book you find, particularly if you're new to online betting. Reputable sports books are more reputable and reliable, and they are more secure. Research any site you're considering, read reviews, and check with the BBB and other review sites to make sure they're legitimate before committing to anything.

Know Your Withdrawal Options

Some sites will require a deposit before allowing you to place bets, and they make withdrawing your winnings difficult. When this happens, it's usually one of two reasons: either withdrawals are not allowed in your state or the site may be a scam or fraud scheme. Because of this, really understanding how gambling sites are allowed to operate in your state - if at all - is extremely important (see above).

Protecting Your Personal Information

It's always important to protect your identity online, and, in a newer industry like online sports betting, there can be scammers in places you might not think of, eager not only to steal your money, but your data and identity, as well. Make sure to keep your passwords long and complicated (this makes them hard to hack), change all your passwords every couple of months, and research any company where you make an account to make sure that use security and encryption and have statements on how your data will be used. We also offer an Identity Theft Protection Service that many be of interest if you plan on participating in online gambling.

If you ever have questions about the legal aspects of life online, you can contact your attorney 24/7 with your questions and get answers, information about your rights, and get legal advice about online gambling, identity theft protection, and many more topics, all for one low, monthly fee of $29.95 for families and individuals. Learn more about our Legal Protection Subscription Plans or Sign Up Now!

Legal Implications of the Metaverse

A woman stands in a corner facing the camera with colorful computer code projected on her face

The term "metaverse" is suddenly everywhere, but what does it really mean? While tech gurus are calling it the "future of the Internet," in more concrete terms, the metaverse is made up of virtual reality (VR) and augmented reality (AR) technologies, creating worlds where users can work, hang out, go to concerts, play games, engage in ecommerce, and more. People are represented in the metaverse by their avatars, which is a custom picture or animation that represents each person in the virtual world. Some current examples of the metaverse are the holograms in Microsoft Mesh and the upcoming releases of various features of the Facebook (now Meta) metaverse. The metaverse will bring in its own set of unique legal challenges. Read on for a little information on some of them:

Crime In The Metaverse

Creating a virtual world where people can do almost everything they can do in the real world, one element that, without some kind of legal safeguards, could cause problems, is crime, such as scams, cyberbullying, fraud, and more. There is currently no legal framework for this kind of crime.

Security & Privacy

The incoming wave of computer generated content will be massive, and will include such things as avatars, virtual goods, and more new forms of data and user information. Because the concept of the metaverse as a reality in our changing world is so new, there are a lot of unanswered questions surrounding security and consumer privacy when it comes to those troves of data.

Intellectual Property

The metaverse will both create opportunities and cause problems when it comes to the realm of copyrights, patents, trademarks, branding, and other forms of intellectual property. Changes to intellectual property laws will be inevitable as the metaverse grows.

E-Commerce

Online transactions in the metaverse will most likely take place using cryptocurrencies and NFTs (non-fungible tokens), and, right now, a large percentage of the population doesn't really know about or understand either of these concepts. While educating people about how these kinds of currencies work will be a monumental task, there are legal questions that go along with this kind of trading system, such as how laws will differ when purchasing or selling virtual goods. Since virtual real estate is already an NFT, will real estate laws in their present form apply in the metaverse? What about real world trespassing laws if an avatar uses your virtual real estate without permission? Will you be able to mortgage a virtual home? While these issues may make people laugh today, in the very near future - estimates say within the next 5 to 10 years - they may be a very real problem.

Ultimately, the metaverse is too new and too little is known about it to know much about how it will impact everyday people from a legal standpoint, but we do have an opportunity as a society to think about how we want this virtual world to operate in the legal realm. In the end, the most important thing to keep in mind is your rights, as the metaverse will impact everyone's lives in significant ways in the near future. If you have questions about your rights online or in the metaverse, you can speak with your network attorney through our subscription based Legal Protection Plans any time about these questions or any other legal matter, all for one low, monthly fee. Learn more about our plans for Individuals and Families and for Small Businesses today or sign up now!

How Small Claims Court Works

A photo of an out-of-focus man using a laptop and an in-focus gavel in the foreground

It's an unfortunate reality that disagreements sometimes have to be sorted out in court. From breaches of contracts to late payments, the types and kinds of cases that go through small claims court vary widely and the rules of small claims court are simpler and make it accessible for laypeople. Small claims court is only for civil disputes, so claims regarding immigration, criminal matters, or worker's compensation, among other, more serious matters, aren't heard in small claims court. Small claims court is more informal than a regular court setting, and regular people usually represent themselves; some states allow for parties in small claims court to have attorneys present and some states don't. Each state also has its own rules over the amount that one can sue over in small claims court; for instance, in California it is an amount lower than $10,000 for individuals and $5,000 for business claims. If you have a situation that may need to go to small claims court, your attorney through our Legal Protection Subscription Plans for Families & Individuals can help you prepare, help you know what to expect, complete paperwork and evidence, and, depending on your state, perhaps even represent you in small claims court. Learn more about the benefits of our Legal Protection Plans and read on for some tips for dealing with small claims court.

Make Small Claims Court Your Last Resort

It's usually easier and less stressful to solve the problem outside of court, so exhaust all your other alternatives to settle the matter before filing a petition in small claims court. Though filing fees are usually reasonable and the process is relatively simple, it is still a court action that will require at least one court appearance. Your attorney through our Legal Protection Plans may be able to help you avoid court by writing letters and making phone calls on your behalf, or negotiating with the other party for you, so take advantage of these services before filing paperwork for your small claims case.

Complete The Proper Paperwork

There are forms and documents to complete in order to get a court date. In some states, you will need to send a demand letter to the other party before you can file and wait an appropriate amount of time for them to respond. You may need copies of contracts or other documents to prove your case. You will have to have the other party served with the lawsuit, and this must be done by an uninterested third party, such as a process server. Additionally, state laws vary as to what constitutes "proper service," so it is important to know the rules for service where you live. You will also need to make sure that you're filing in the proper venue (the court in the state or county) and make sure that your claim amount is at or lower than the maximum claim amount for your state.

Case Preparations

You will need to make a list of all parties that will need to appear in court, and this is an important step as small claims court cases tend to move very quickly; they are usually heard within a few weeks to a couple months after filing. If you will need witnesses, make sure to contact and confirm that how they remember the facts is the same or very similar to your recollection. In some jurisdictions, an official affidavit (a sworn statement) is enough. You will also want to practice. As we mentioned, small claims cases move quickly; courts can hear several small claims court cases every day, so you will want to make sure that you can present your case quickly, efficiently, and completely. Keep your presentation of the facts and evidence concise and only pertaining to the facts of your case. Your attorney through our Legal Protection Plan will be able to explain how things work in the courtroom, what to expect once you're there, and give you advice on how and what to practice and what to say.

Show Respect

Showing respect and courtesy for the judge the court can go a long way; first impressions matter. Arrive early, dress appropriately, and be courteous to the judge and court staff. Use "Your Honor" when addressing the judge, never interrupt others when they're speaking, and don't be confrontational. Make sure all of your evidence, documentation, and witnesses are ready to go when it is your turn in front of the judge.

Follow Up

The judge's ruling on your case isn't the end of the matter; you will need to keep in contact with the court to ensure that the judgment is enforced, and this may mean additional actions to collect any money judgments, such as liens or wage garnishments.

If you are considering filing a small claims court case, your attorney through our legal subscription plans for families and individuals can help you prepare. Our network of attorneys are knowledgeable and experienced and can give you expert advice on how to proceed, even if your state doesn't allow them to represent you in small claims court. Learn more about all the benefits of membership or sign up today!

Can Your Boss Fire You For Job Hunting?

A red haired man sits at a desk, looking through a file folder while using a landline telephone.

Millions of people are currently looking for a better job fit amid "The Great Resignation." The Coronavirus prompted many people to make changes in their work lives; according to studies, more than half of working Americans are actively looking for a new full-time job, even if they already have one. With as many people as are working and looking for different employment right now, some wonder what happens if your current boss finds out that you're job hunting. Could you be fired? Because all US states are what is known as "at-will states," the answer is yes. An experienced employment lawyer can help you go over any contracts or agreements you're asked to sign at your job, as well as give you advice on any specific employment situation you're dealing with at your current place of work. Learn more about our legal subscription plans for individuals and families and read on for some job hunting basics.

What Is An At-Will State?

At-Will means that an employer can fire you for at any time, without notice, for any reason not specifically protected by EEOC laws. Most states have some exceptions; for instance, 42 states and the District of Columbia have an exception for public policy, which means that you can't be fired for reasons prohibited by state or federal laws. There are also "implied-in-law" exceptions.

It's Not Common, Though

Employers have the right to fire you for any reason, including job hunting, but it is pretty rare for employers to do so because employees who are fired from their positions are usually entitled to certain benefits, such as unemployment benefits, whereas employees who resign or quit on their own aren't entitled to those benefits.

When Non-Compete Agreements Are In Play

If you signed a non-compete agreement, you may be prohibited from working for a competing business, company, or industry for a specified amount of time stated in your contract, usually for some time after your employment has ended. Non-compete clauses vary state-to-state, and some aren't enforceable in some states. Make sure to read any non-compete contracts you're asked to sign as they can limit your future opportunities. Non-compete agreements must be found to be "reasonable" by a court and approved. The court ensures that the clauses in a non-compete are not too limiting, are limited by geography, and has a reasonable definition of what qualifies as "competition."

What If Your Boss Asks You If You're Job Hunting?

There is no law or restriction prohibiting employers from asking if an employee is job hunting, and some may take it personally and terminate the employee. If you choose to look for another job, make sure that the process doesn't take away from your current job's duties; schedule interviews on days off or use PTO and don't apply for jobs while you're at work.

Learn More About Your Rights As A Worker

Employment laws and worker's rights laws can be confusing, and adding in contracts and agreements to the process can make it more so. Having your attorney look over any contracts you're asked to sign or give you advice on a specific situation can give you confidence to go ahead with your plans and seek out new opportunities. Learn more about the benefits of our legal subscription plans for individuals and families or sign up today!

The Right To Repair and What It Means For Consumers

A repair technician works on a piece of electronics

Giant tech companies like Apple and Microsoft have long imposed rules and restrictions on consumers regarding repairs on their products, limiting who, how, and where devices such as video game consoles, cell phones, and more can be repaired. Farmers and others who have purchased heavy equipment and farm implements have also been subjected to cumbersome restrictions when machines used for work and livelihoods break down, meaning that they must wait for a certified repair tech to fix their expensive equipment. A new law in the United States will loosen these restrictions, allowing consumers more choices when it comes to having purchases repaired. This rule would stop manufacturers from preventing consumers and independent repair services from repairing devices.

What Does This Mean For US Residents?

This Right to Repair law will:

•  Create more competition in the marketplace

• Increase wages for American workers

• Lower repair costs for consumers and farmers

Agriculture will probably see the biggest benefit to this new rule, who, for decades, have been forced to pay for costly repairs to farming equipment by the manufacturers like John Deere, who withholds software that is needed; even basic repairs and maintenance must be done at a dealership. Additionally, farmers will now be allowed to sue processors if the farmers are retaliated against or underpaid. The rules also block companies from labeling food as a "Product of the USA" if the product was produced or processed overseas.

Consumers Benefits and Risks

This rule will make repairing products you've purchased more affordable and will expand options when looking to get products repaired. Big tech and other manufacturers are warning that repairing products yourself could pose health and safety concerns, warning that the reason they have required that they - pr certified repair technicians - fix broken products is due to dangerous outcomes if consumers repair tractors incorrectly or install batteries. Environmental advocates have come out in support of the new rules saying that consumers will repair more products rather than throw them out due to the cost of having them repaired.

If you have questions about consumer law, your provider attorney will be able to answer them for you, including issues surrounding the repair and maintenance of tech or expensive equipment. In fact, with our legal subscription plans for individuals and families, you'll have access to dedicated, qualified attorneys 24/7 through our app, and your attorney will be able to give you advice, answer questions, review documents, and make calls and send letters on your behalf, and much more, all for one low, monthly subscription fee! Learn more about the essential benefits of our legal subscription plans or sign up now!

What Is Predatory Towing?

Looking up at buildings in a city from street level; a tow away zone sign is prominent in the foreground to the left

Imagine finishing up after a long day at work, walking to your car and finding that your vehicle is missing. A note left in the parking spot tells you that it has been towed. But you haven't done anything wrong: you park in that same spot every day. Cases of predatory towing are on the rise and recorded instances of predatory towing reached an all-time high last year. In Colorado, there have been numerous reports of predatory towing, where towing companies have been accused of targeting vehicles with expired license plates during the pandemic, at a time when renewal offices were closed and state agencies had instituted deferments for licenses until offices reopened. They also targeted mobile home parks and lower income communities and low-income housing and apartments, targeting those most vulnerable. While there are predatory businesses all the time, the pandemic and tough times in general has ratcheted up the number of these kinds of shady companies, eager to seize on any money-making opportunity that they can, even if it means taking advantage of innocent people. If you’ve been towed when you’ve done nothing wrong or been the victim of a predatory towing scam, your attorney through our legal protection subscription plans for individuals and families will be able to give you advice and help you through the next steps. Read on to learn more about how you can protect yourself from this predatory practice.

So how can you protect yourself? What are your rights?

Uncertainty about your rights can mean that you don't take the necessary steps to fight the companies and their reasons for towing your vehicle. State and local laws can vary, but there are some common tips:

• If you were parked on private property, check for signs stating that the area is private. If there is no sign, you may have a defense; however, some states - like Washington State - allow for cars to be towed from private property even if there is no sign stating that parking is prohibited. Signs that mark private property and prohibit parking should also have the name and number of the towing company printed on it.

• You have the right to collect possessions from your car. You will be asked to prove that you are the owner of the car, usually by comparing your driver's license to the car's registration that is kept in the car.

• Most states require towing companies to accept debit and credit card payments and not just cash, but check with your local laws to make sure this is the case in your area.

If you've been towed and you're certain that the towing company is in the wrong based on the situation and local laws, here's what you should do next:

• Document the scene by taking photos of your car, any nearby signs regarding parking rules , and the surrounding area. If the towing company damaged your car, document that, as well.

• Keep records and receipts. If you paid a parking meter or kiosk, keep the receipt as proof and photograph it, too, just in case.

• Contact the local authorities and file a report.

In these situations, an experienced attorney will be able to walk you through the process of correcting the situation and our legal subscription plans for individuals and families gives you access to qualified attorneys 24/7 for just $29.95 per month, basically paying for itself the first time you use it. You will be able to talk to your attorney about the specific towing laws in your state, county, and/or city, and your lawyer can help you protect your rights throughout the process. You will also be able to talk to your attorney about an unlimited number of topics ranging from disputes, consumer finance, family law, and much more, all for one low, monthly fee. Learn more about the benefits of our legal subscription plans or sign up now!

Changing A Child Support Agreement

A child in a red dress swings from the hands of adults

Child support agreements are legal documents that are often put in place to make sure that children and those who care for them have access to financial resources needed for shelter, food, clothing, education, health care, and more. But as situations (and the children) grow and change, so, too, does the need to change or amend child support agreements. These changes need not be stressful; communicating and working together toward a successful outcome with the best interests of the children in mind can mean that changes to a child support order can be done easily. Failing to communicate or an unwillingness to compromise can lead to broken agreements, resentment, and a loss of time and money for both parties if the disagreement goes to court. If you need to make adjustments to your child support agreement - or make one in the first place - your provider attorney will be able to assist you in all phases of the process, as well as with other areas of family and personal law through our Legal Subscription Plans.

How Are Child Support Agreements Made?

When parents separate, one parent may become the sole or primary care giver and the child lives with that parent. The parent that does not live with the child usually has some kind of financial obligation to pay toward the care of their child. How much the non-custodial parent pays varies based on state-to-state guidelines. The income of both parents is taken into account and the needs to the child or children involved is also considered. Taking that information, a judge decides on an amount for the on-custodial parent to pay in child support.

Another way that child support agreements can be made is when the parents work together and reach their own arrangement for child support. This plan is then given to a judge to review and put in place officially and legally. If the parents have trouble communicating with each other for one reason or another, they also have the option of negotiating through mediation or other alternative dispute resolution services. Regardless of how the agreement is reached, it must always be approved by a judge in family court.

Reasons A Child Support Arrangement Can Be Changed

The lives of parents and children can change over time, and, depending on what those changes are, it may be a good idea to review or change a child support agreement. Some common reasons for amending a child support agreement are:

• A change in employment by one or both parents

• A change in the child's expenses or needs

• One parent has another child from another relationship

• One or both parents remarry

• A change to parenting time

This last item is important to look at a little more closely. If one parent takes on more parenting responsibilities in the care of a child they may be entitled to seek a lesser child support amount in relation to the increased time and/or money spent contributing to their child's care.

Just like when the original agreement was made, parents have the option of reaching their own agreement to take to the judge for approval. When one parent seeks a change independent of the other parent, the parent seeking the change will have to file a motion with the family court to make a change to the existing agreement, and then that request will have to be approved by a judge.

Legal Help For Changing Child Support Orders

A child support order is an important matter for parents, and, while it is important for both parents to work together towards an agreement if it is at all possible, it is also important that you have expert advice to make sure that the new agreement will protect the rights and responsibilities of all the parties involved, most importantly, the children. It is crucial that the new agreement is legal and will be approved by the court.

Divorce is almost always stressful to one degree or another, and more so when children are involved. Parents usually need legal advice while going through the process of divorce and figuring out what works for them and their children in terms of custody and financial support. While having a lawyer on retainer is often outside the budget for many people, with our Legal Subscription Plans for Individuals and Families, you can work with your provider attorney for all your family law issues - including child support, child custody, divorce, alimony, and more - for just one low, monthly fee of $29.95. You will be able to contact your attorney 24 hours per day, 7 days per week, have telephone consultations, document review, and more. Learn more about the benefits of membership in our legal protection plans or sign up today!

Protecting Yourself From Spam Calls & Texts

A man in white room wearing a brown jacket yells into a rotary landline phone.

Apple urged iPhone users recently to update their iOS with a patch for a critical security flaw that allowed hackers to launch spyware that monitors users' keystrokes; the malware is launched through text messages. This is just one of the latest examples of the dangers associated with a growing problem in the US and Canada: spam text messages. Spam messages and calls are annoying, and can be costly, but they are also a gateway for bad actors to do much more damage. If you need help recovering from a security breach or identity theft, our legal subscription plans and identity theft packages are great, low cost solutions. In the meantime, here are a few tips for handling spam texts and calls.

It's Against The Law

Text message marketing without the end users' consent is against the law in both Canada and the United States. But anyone who has dealt with a spam attack knows that the perpetrators are often hard to track down and prosecute. They change phones, numbers, and locations frequently, and often use technology that shields them from being discovered. Providers of cell phone services are working to provide services that block spam, but spammers and hackers are working just as hard to circumvent those measures.

A Few Tips For Dealing With Spam Texts

• Do not engage with a spammer by replying to messages

• Never click links in texts! Clicking links can lead to malware and viruses and, in worst case scenarios, losing money or having your identity stolen

• Do an Internet search for numbers you don't recognize and see if they are in spam reporting databases

• Do not visit web sites sent to you in texts, even if they're not a link.

• Never respond to free offers unless it's from a sender you recognize

• Cell phone consumers in the US and Canada can report spam texts by forwarding them to your cell phone provider at 7726 (SPAM)

• You can also ask your provider to block texts that come from the Internet, and while it won't block spam sent from a cell phone, it can eliminate some unwanted spam messages

Phone Scams

Scammers continue to use the telephone to steal millions of dollars from people every year. One popular tactic is to impersonate the IRS and harass victims until they make payments or reveal personal identifying information. This scam has targeted nearly half a million people in the United States, and the IRS has even created a dedicated web site to report these calls. Remember: the IRS will NEVER contact you by phone, text, or email. The IRS will ALWAYS contact you via the USPS mail.

Thieves use similar tactics to steal credit card information, using robo-calls to "warn" you that your credit or debit card has been locked. The automated calls prompt you to then enter your credit or debit card information to "unlock your card." These scams, called "vishing" (short for voicemail phishing), urge you to reveal private information that will be used to attempt to steal from you, steal your identity, or other fraudulent uses. Like other types of scam calls, these calls usually rely on too-good-to-be-true offers or dire threats. The rule of thumb is to never give out personal information - especially your credit card or Social Security numbers - over the phone unless you made the call.

Some calls are legal, such as calls from political candidates, charities, or reminders from businesses where you are a customer, such as your bank or insurance company. But be wary of calls received from businesses where you haven't consented to receive such communications.

Be wary of any call that asks for your personal information to activate a perk or retain access to your bank accounts or credit cards. Your best bet is hang up and call the business back to verify the veracity of the claims.

Advice For Phone Scams

• Never trust caller ID - scammers have the ability and technology to mask their real numbers or to spoof someone else's number without their knowledge

• Never share personal information over the phone unless you called them. Businesses you interact with likely already have your information

• Don't overreact if the caller threatens you with lawsuits, arrests, or losing access to your bank account or cards.

• Never press a number or stay on the line for a live person. Doing so can let spammers know that they have a "live" number

• Never call back the number that called you or visit any web sites mentioned in the call. Instead, call the company's customer service line listed on their official web site

• Contact your service provider to see about the possibility of blocking the number that called you. Keep in mind that the number you saw on your caller ID may be spoofed from a completely innocent person

• If the scam involved someone pretending to represent the IRS, make sure to report the call at the IRS reporting web site. For all other calls, report them to FTC.

The basic thing to remember if you're contacted by a suspected scammer is to NEVER give out ANY personal information. If you want to learn more about how to protect yourself from scammers and identity theft, check out our Identity Theft Protection Services for individuals and families, and if you have legal concerns from a previous encounter with a scammer, learn how our network of attorneys can help you resolve the situation faster and easier than you can on your own, and for a lot less than you might imagine. Sign up today!

Should You Buy The Warranty?

A top-down view of the exposed internal workings of a digital camera.

It's pretty common these days to be asked on almost every large purchase or purchase of electronics if you want to buy an extended warranty, and it's just as common for buyers to decline. Maybe we think that a new purchase will last long enough that it won't matter or go bad quickly enough to qualify for the standard warranty, but there are times when you'll be glad to have made the investment. If you have purchased a warranty and a manufacturer or retailer isn't holding up their end of the bargain, our network of qualified, dedicated attorneys may be able to help you. In the meantime, here is some information about warranties in general:

What Is A Warranty?

A warranty is a manufacturer's guarantee of a product, that it is in good condition and will function well for a stated period of time. A warranty assures customers that the sellers will make it right if the product doesn't meet a certain standard of use. Warranties, and their mechanisms for "making it right" with the customer can vary. Some warranties are manufacturer's warranties, and the manufacturer may want the customer to ship the product to them so that they can make repairs and then return it to you afterward. Some manufacturers will send you a replacement part if the repair is simple enough that the customer can make the repairs. Other warranties replace defective, broken, or malfunctioning products; some of these replacement warranties will replace products with refurbished models. Still other warranties offer cash back refunds, so customers can replace the defective products or buy a different product altogether. How the company decides to handle warranty claims depends entirely on the written warranty - either on printed material with the product or on the manufacturer's web site - and while it's pretty common to skip reading all the fine print, it is probably worthwhile to keep those documents in case something goes wrong with your new purchase, particularly if it is an expensive product.

Warranties have terms and stipulations that govern the use of the warranty; for instance, if the product breaks while you're using it for a purpose for which it was not intended, the warranty may become null and void. Most warranties will not cover damage that is done when the product breaks, either. For instance, if a product has an electrical short and starts a fire, the product warranty won't cover any damage to your house or other belongings.

Warranty Types

Much of what we've covered so far falls under what is known as "express warranties" and "implied warranties." An express warranty is a warranty that is written or otherwise put into words and references the quality and performance of a product. It generally details what is covered, how long it's covered, and what the manufacturer will do to make it right if something goes wrong. Some express warranties can include guarantees made by salespersons or a company orally, but those types of guarantees can be harder to enforce if the need should arise. Getting things in writing is always the best practice.

Implied warranties are assumed standards of function and reliability regardless of if there is a written warranty or not. These are generally referred to as "reasonable expectations." If you've purchased a television, for example, no matter what it says on the box or in any written warranty included in the packaging, consumers have a right to know that the product inside will work for its intended purpose. Implied warranties are laws, so manufacturers can't dodge the responsibility of bad products by not including a written warranty.

Extended warranties are optional and the ones we get asked about at the check stand as we're purchasing products. These offers are usually for $20-$50 or so, but the price can vary; many people pass these offers over because they would rather keep that money now at the risk of spending much more later on repairs and/or replacement. Extended warranties are pretty self-explanatory: they provide additional coverage above and beyond the standard manufacturer's or store warranty, either by providing return, repair, or replacement services for a longer amount of time, or sometimes, broadens the scope of what is covered when it comes to repairs or replacements. Most people encounter extended warranties when purchasing electronics, and, for most electronics purchases, the extended warranty is a coverage period that is longer than the standard warranty. Extended warranties still have terms and conditions, and the extended warranty may be voided if you use the product in ways it wasn't intended or if you try to fix a problem with the product yourself, or if you modify the product in some way.

So, Should You Get The Warranty?

For larger purchases that you may not be able to replace yourself at the end of the standard warranty period - a refrigerator or other appliances, or exercise equipment, for example - the extended warranty is probably a wise investment. Portable electronics that may get damaged from regular use - things such as cell phones or laptops - may also be good investments for extended warranties or additional insurance coverage. Cars and homes, as well as repaired items for both of these - are also good candidates for extended warranties.

But, while manufacturers and retailers would love it everyone bought the extended warranties on everything, the fact is, for many purchases, it may not be economically smart. Buyers should weigh the pros and cons of each offer of extended warranties and decide if the cost is worth it. Is the product likely to break during the time covered by an extended warranty? How much will it cost to repair or replace it on your own? How much effort will you have to put in to get the manufacturer to fix or replace the product? Is the potential benefit worth the cost up front?

In the end, extended warranties can be good investments, but if you have ever had trouble getting a manufacturer or company to hold up their end of the bargain with a repair or replacement agreement in a standard or extended warranty, your attorney through our legal subscription plans may be able to help you. Your lawyer can look over the warranty agreement, get details on what happened while you used the product, and, likely, help you reach a resolution to the matter quicker and easier than you can on your own. Our legal plan memberships cost just $29.95 per month, and pay for themselves the first time you use them! Learn more about all the ways you can benefit from our legal subscription plans, or sign up today!