General (5)
To be included on the National Do Not Call Registry, click on the link below and go to "Register Now":
If you do not have internet access, you may call the National Do Not Call Registry at 1-888-382-1222.
In February of 2008, the Do-Not-Call Improvement Act of 2007 became law. Telephone numbers placed on the National Do Not Call Registry will remain permanently listed. The Federal Trade Commission will remove disconnected numbers or those that have been re-assigned to other customers. To read more about the Do-Not-Call Improvement Act of 2007, click on the link below:
http://www.ftc.gov/os/2008/11/P034305dncreport.pdf
The following calls are not covered under the Act:
- Calls from or on behalf of political organizations, charities and telephone surveyors;
- Calls from companies with whom you have an existing business relationship; and,
- Calls from companies you have given permission to call.
If you believe callers have violated the terms of the Do-Not-Call Improvement Act of 2007, you may file a complaint with the Federal Trade Commission. Before filing a complaint, verify your telephone number is on the National Do Not Call Registry and has been listed for at least 31 days. You will need to have the following information available:
- Date of Call; and,
- Phone number or name of the company that called you.
For more facts about telemarketing and common scams, visit the Federal Trade Commission web site at http://www.ftc.gov.
MEDICARE and THE PLAIN WRITING ACT of 2010
Written by Law Offices Of Gary GreenSome folks aren’t as concerned about the attorney-client privilege as others. For those who expect, demand and receive the strictest possible protection of confidences, there’s our traditional web page, www.ggreen.com. For those who prefer an open forum dialogue that the whole world can see and upon which others might comment, we’ve conceived "Dear Attorney Green". So, don’t be shy! Two heads are better than one. The only dumb question is the one not asked. Fire away! And all that. Gary Green
Q. I was involved in an auto collision where I was not at fault. The driver who was at fault had minimal liability coverage, but my medical bills alone are more than that amount. What do I do?
A. Sadly, the answer to this question for many people would be, "There's not much you can do." Hindsight is 20/20, but the best answer to this question is to make sure you are covered before you are involved in this scenario. The minimum amount of auto insurance coverage that is required in many states is often not enough to cover all of your losses. On top of that, sometimes people will drive illegally with no insurance at all. It is very important that you be prepared for the unfortunate event in which you are a party to a collision where there is not enough, if any, liability coverage to make you whole after the wreck. It is important that you talk to your agent about "Uninsured" and "Underinsured" coverage.
One of the most common-held, mistaken beliefs about the law is that a debtor in default can pay a nominal amount to a creditor, and the creditor is required to accept the nominal payment and is forbidden from using any other process to collect from the debtor, such as suit. This is not true. In most instances, when a debtor defaults (usually by missing a payment or by making a late payment), the creditor is allowed to accelerate the remaining debt, making it all payable now. In those cases, once acceleration has been triggered, the creditor can demand the entire remaining debt as due. A creditor may accept partial payments without waiving the acceleration. Even if the creditor is not able to accelerate the debt, if the debtor is behind, they are still in default and susceptible to collection procedures, including suit.
In fact, each payment made moves the statute of limitations period farther and farther into the future.
In some cases, arguments can be made using theories such as “estoppel” and “course of dealing” to defend against the collection, however, these theories are usually not applicable because of the wording of the contract in question.
When dealing with aggressive collectors, it is always best to seek competent legal advice regarding one’s rights and options from a lawyer who is well-versed in consumer law.
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No Recovery, No Fee Promise
With injury cases handled by Law Offices of Gary Green, there's the no recovery, no fee promise.
We promise you won't be charged a fee or expenses, unless there's a recovery.
And, when there is a recovery (after advanced expenses are paid back off the top) we promise our fee won't be more than your recovery!
We promise.
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