Q: What is the story on book and record clubs that send me an announcement that I will be receiving merchandise in the mail from their company?

On July 7, 2010 By

A: Sellers like these offer you what is called a negative option plan. Subscribers are sent the merchandise, along with a bill, unless the seller is contacted within a set period of time and advised not to send the product. There is nothing wrong with these plans. However, the consumer must be given a clear [...]

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Q: What is title insurance?

On July 7, 2010 By

A: Title insurance guarantees that the seller owns the property and is able to transfer title to the buyer. It also guarantees that there are no undisclosed liens or claims to the property. If problems with the seller’s ownership of the property surface later, the issuer of the title insurance will have to pay the [...]

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The Government’s Disconnect

On August 1, 2009 By

With the media spotlight focused on health care, it’s easy to forget that, for the first time in
their lifetimes, baby boomers are facing another kind of epidemic — one that is equally
threatening to their existence and the security of their families. Like the health crisis, the
battle is waged at [...]

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A Message to Wall Street

On November 1, 2008 By

In January 2009, a new administration enters the White House, bringing with them
the ideals, obligations, and promises that come with any change in leadership. The public’s
expectations for a new administration are high and range across many issues: the troops
abroad, the need for energy independence, concern for the environment. But [...]

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The OJ Simpson Trials – A Look at the American Justice System

On October 1, 2008 By

I had a feeling of déjà vu as I stood in the courtroom. There was OJ
Simpson, standing alongside his defense attorneys, awaiting the verdict of a
jury that had deliberated through the night. Thirteen years ago, I had watched
OJ stand and await the verdict in a Los Angeles courtroom, aware [...]

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For Homeowners in Trouble, Hope and Rescue are Too Little, Too Late

On August 1, 2008 By

For the millions of Americans receiving foreclosure notices from their
mortgage companies, hope that they will not lose their house doesnʼt translate
to cooperation from lenders or relief from the real estate speculators who are
eagerly shorting the market.

Hope Now, a lending industry alliance established in October 2007 and
tasked [...]

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The Legal System Fails Spectacularly – Who is Responsible?

On July 1, 2007 By

We live in a country of laws created out of a fundamental concern for the rights of all
individuals. Our legal system is a complex structure of checks and balances meant to offer
equal protection to all innocent parties. As participants in this legal and judicial system we
must put our trust [...]

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A Call to Change: Why the U.S. Legal System harms, rather than helps, the average American and how we can work to reclaim our legal rights

On June 8, 2007 By

Iʼve been a lawyer for more than 30 years now, and since I practice in
Las Vegas, Iʼm sure youʼll believe me when I tell you Iʼve seen it all: the young
woman who had her pocketbook (and her identity) stolen and ended up being
arrested on live TV for a crime [...]

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Housing Boom turns Boomerang to Hurt Vulnerable Homeowners

On June 1, 2007 By

With mortgage rates rising, home prices falling and consumers hampered by more
credit card debt, auto and bank than ever, there has never been a more fertile time for scams
that target homeowners. A recent New York Times article (July 3, 2007) put a face on the
victims of the latest practice [...]

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