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Consumer Law


Know Your Rights When Buying Goods and Services

TABLE OF CONTENTS:

SELF HELP By Topic

Automobile & Warranty

Automobile Fraud: Odometer, Salvage, and Lemon Laundering Fraud, Title Abuses and Yo-Yo Sales KF 2036.A8 C37
This manual provides the practitioner with everything needed to obtain rescission, damages, and attorney fees for numerous types of automobile frauds.

Consumer Warranty Law: Lemon Law, Magnuson-Moss, UCC, Mobile Home, and Other Warranty Statutes  KF 919 .C6 C37 (Self-Help)
This book offers the most thorough and up-to-date treatment of the key advantages  using the federal Magnuson-Moss Warranty Act, 14 ways to defeat warranty disclaimers and 10 ways to avoid contractual limitation on remedies.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

Handling Automobile Warranty and Repossession Cases KF 1058 .B55
Resolve disputes or facilitate litigation concerning defective or repossessed autos with the expert advice found in this one-volume resource.

Lemon-Aid for Consumers KFC 323 .A8 L56
This pamphlet from California Department of Consumer Affairs explains California's Lemon Law in simple terms.
Electronic Access: On the Internet at http://www.dca.ca.gov/acp/pdf_files/englemn.pdf

Return to Sender: Getting a Refund or Replacement for Your Lemon Car
KF 2036 .A8 B37 (Self-Help)
Return to Sender is a guide on how to return a defective vehicle to the manufacturer. This book provides practical advice on how consumers can successfully enforce this right through state lemon law, either on their own or with the help of a lawyer.


General 

Consumer Action HandbookKF 1040 .C87
This everyday guide to being a smart shopper is full of tips about buying a car or home, preventing identity theft, understanding credit, and resolving problems after a purchase.
Electronic Access: On the Internet at http://www.usa.gov/topics/consumer/consumer-action-handbook.pdf


Money, Banking, & Credit

Consumer Banking and Payments Law: Credit, Debit, & Stored Value Cards, Checks, Money Orders, E-Sign, Electronic Banking and Benefit Payments  KF 974 .B73
This book from the National Consumer law Center discusses the revolutionary changes in electronic banking and debit card use; how bank accounts work in the 21st century; and provides the latest on money orders, international wires, and stored value cards.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

Credit Discrimination  KF 1040 .L54 (Self-Help)
This book contains over 40 sample complaints, discovery documents, attorney fee documents, expert reports, key recent U.S. Dept. of Justice complaints and consent orders, and all key federal laws, regulations, and agency interpretations.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

Fair Debt Collection  KF 1024 .H63 (Self-Help)
Consumer and commercial attorneys rely on Fair Debt Collection for the latest thinking and definitive analyses of the federal Fair Debt Collection Practices Act (FDCPA), the statute that governs how collection agencies and attorneys can collect consumer debts.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

Foreclosures: Defenses, Workouts, and Mortgage Servicing  KF 697.F6 R36 (Self-Help)
This manual details legal rights, tactics, and informal approaches to saving homes from seizure.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

The Cost of Credit: Regulation, Preemption, and Industry Abuses KF 1040 .R457
Analyzes consumer credit regulation in all 50 states and federal regulation, including points, refinancing, and RESPA requirements. Discusses how to challenge excessive credit charges, credit insurance, equity-skimming, and loan flipping.
Electronic Access: On the law library computers using the NCLC Companion Website. Under "Legal Research Databases," "Other Electronic Resources," on our Public Menu.

The National Consumer Law Center Guide to Surviving Debt  KF 1040 .Z9 L66 (Self-Help)This book explains the rights of consumer borrowers with advice that levels the playing field. This edition contains strategies on dealing with debt collectors; saving a home or car; which debts to pay first; common mistakes consumers make that can actually get them into even more trouble; and managing credit card debt.


LEGAL ENCYCLOPEDIAS and LAW SUMMARIES    

California Jurisprudence (CalJur 3d) KFC 80 .C35 (Ready Reference)Vol. 13A, Consumer and Borrower Protection LawsElectronic Access:  On the law library computers, using WestlawNext.

Witkin's Summary Of California Law 10th Ed. KFC 80 .W57 (Ready Reference)
Look in the index using the term "consumer" to find information on specific types of consumer law issues.
Electronic Access:  On the law library computers, using WestlawNext.
Vol. 13A, Consumer and Borrower Protection Laws


PRACTICE GUIDES

Consumer Credit Compliance Manual KF 1040 .F66
This resource contains documents, publications, practice-tested forms, instructions, procedures, and descriptive materials—contributed by more than 100 banks, banking associations, credit organizations, governmental agencies, and attorneys.

Consumer Credit Law Manual  KF 1040 .C638
Provides coverage of consumer credit transactions, including: truth in lending, high rate home equity loan protections, consumer leasing, unfair and deceptive credit practices, credit discrimination, fair debt collection, garnishment and exemptions.

Consumer Law: Sales Practices and Credit RegulationKF 1040 .A74
Provides information on protecting the rights of the consumer on both the state and federal level. Includes topics such as mass media advertising, statutory regulation, warranties, consumer credit, truth in lending, credit reports, and debt collection.

Handling Consumer Credit Cases KF 1040 .F46
This multivolume resource provides a transactional approach to the law and explains the impact of each law as it affects consumer credit.

Truth-In-Lending Manual  KF 1040 .C54
A comprehensive, practical guide to Truth-In-Lending, Regulation Z, and Regulation M compliance. This two-volume reference offers clear analysis of the law, practical guidance for complying with regulations, and assistance in drafting forms and developing procedures that comply with truth-in-lending requirements.


FORMS

California Forms of Pleading and Practice  KFC 1010 .A65C3 (Ready Reference)
Vol. 12, Chapter 127, Consumer Contracts and Loans
Vol. 12, Chapter 128, Consumer Contracts: Specific Types
Vol. 12, Chapter 129, Consumer Credit Reporting
Vol. 44, Chapters 501, 502, 503, 504, 505 Sales

Look in the index using the term "consumer" to find information on specific types of consumer law issues.
Electronic Access:  On the law library computers, using the Matthew Bender CD.


 WEBSITES 

Better Business Bureau
http://www.bbb.org/
The BBB reports provide information on over 2.5 million organizations. It's a good idea to check this website before investing or giving. Complaints can be filed online and the BBB will contact the organization to help resolve the issue. The website also contains security alerts; email fraud alerts; and business and consumer tips.

California Department of Consumer Affairs
http://www.dca.ca.gov/
The Department of Consumer Affairs (DCA) is here to protect and serve California consumers while ensuring a competent and fair marketplace. DCA helps consumers learn how to protect themselves from unscrupulous and unqualified individuals.

Consumer Protection
http://www.usa.gov/topics/consumer.shtml
Use the resources on this website to help you solve your consumer problems. Users can download or order a copy of the 2012 Consumer Action Handbook, access the consumer directories, or file a complaint with government agencies.

Consumer World
www.consumerworld.org 
Consumer World is a public service website with links to hundreds of consumer resources available on the Internet. The website contains consumer news, product reviews and shopping bargains. Directories provide contact information and web links for many corporations and government agencies.

Free or Low-Cost Publications
http://publications.usa.gov/USAPubs.php
This website offers free online information and allows users to order free and low-cost government publications.

National Consumer Law Center
http://www.consumerlaw.org/
The National Consumer Law Center is America's consumer law expert, helping consumers, their advocates, and public policy makers to use powerful consumer laws to build financial security and assure marketplace justice for everyone.

 COMPLAINTS  

Better Business Bureau
https://odr.bbb.org/odrweb/public/GetStarted.aspx  
File a complaint against a business using the BBB online complaint process.

California Department of Consumer Affairs
http://www.dca.ca.gov/online_services/complaints/citizen_complaint.shtml
File a complaint against a professional or business using an online form or by mailing in a completed complaint form. Information available in Spanish.


 COMMUNITY RESOURCES 

Better Business Bureau of Northeast California
400 S Street, Sacramento, CA 95811   (916) 443-6843  
www.necal.bbb.org
Complaints between buyers and sellers can be submitted by letter or on Better Business Bureau (BBB) complaint forms.

Consumer Information Center
(916) 445-1254 
www.dca.ca.gov
Responds to inquiries on consumer protection issues, information and education on consumer problems, complaint filing assistance, referrals in non-bureau issues, licensing professions and businesses.

Public Inquiry Unit
P.O. Box 944255, Sacramento, CA 94244  (916) 445-9555  or (800) 952-5225 http://oag.ca.gov/consumers/general
Primary public access window to the Attorney General's office. Assists in answering questions on a wide variety of issues ranging from consumer fraud to public safety. Serves as a centralized office for consumer complaints and requests for information 


updated 05/17/2012 rmm