Consumer Rights

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How to Get Back a Cash Deposit When Buying a Car

en you decide to purchase a vehicle, and you can't take delivery immediately, you may choose to give the dealership a cash deposit to hold the vehicle. This will keep the dealership from selling the vehicle you want to another person. Consider carefully if you want to do this, ...

Can a Bank or Credit Union Change an Unsecured Loan to a Secured Loan?

secured loan is one in which the borrower pledges an asset such as property or a vehicle as collateral for the loan. An unsecured loan is based on the buyer's creditworthiness, rather than being backed by collateral. Unsecured loans are high-risk loans for a lender, who issues ...

Can I Cosign for a Home Equity Loan If My Name Is Not on the Deed?

nders extend credit to unqualified applicants who can present a co-signer with significant income and a good credit history. If you fit this criteria, you may be asked to secure a home equity loan for a friend or relative. Home equity loans are credit applications. You do not ...

Can Creditors Withdraw From Your Bank Account Without Authorization?

arding your bank account balance is harder and harder with the ease of automatic debits. Using an automatic debit transaction, the creditor does not need your signature or a physical check to access your money. Electronic transfers speed up the time to process your bill payments ...

Can a Hospital Garnish Your IRA?

fore a hospital could explore garnishment as an option to collect a debt you owe, the hospital would have to get a judgment in court. However, once it has a judgment, it generally can collect what you owe by taking what you have. Most states, however, prohibit garnishment of ...

Can I Transfer the Ownership of My US Savings Bond to My Godchild?

S. Savings Bonds are popular gifts for children, as they can be used to help finance college and other long-term goals. If you currently have savings bonds in your name, you may be able to transfer ownership to your godchild. Depending on your financial situation, this may be a ...

I Co-signed for a Student Loan: How Do I Eliminate the Loan?

pically, if you co-sign a loan you are up the proverbial creek until the borrower pays it off completely. Private student loans are a different story. While the government protects lenders of Stafford and other federal student loans, lenders for private student loans often want ...

Creditor Attachment of Life Insurance Death Benefits

creditor holding a court judgment against a debtor may enforce that judgment by attaching (seizing) assets in accordance with the laws of your state. Some assets, however, are exempt from collection. This includes, in most states, the death benefit of a life insurance policy, up ...

What Is the Difference Between Cash Transfers & In-Kind Benefits?

vernments around the world transfer benefits to their citizens, sometimes as cash and sometimes in the form of in-kind transfers of goods and services. Some economists feel that cash benefits give the biggest boost to the happiness of the recipients, yet most governments choose ...

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