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A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. This chapter discusses laws that cover automobile leasing in New Hampshire. Particular focus is given to provisions under the Motor Vehicle Leasing Act and the federal Consumer Leasing Act. The provisions regarding the costs of the lease, termination of the lease and disclosure requirements for consumer lease advertisements are detailed. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. This chapter discusses advertising laws in New Hampshire and the U.S. Advertising that could possibly be misinterpreted by average consumers are prohibited under federal and New Hampshire laws. The rules applicable to advertising established by the Federal Trade Commission (FTC) are mentioned. The advertising restrictions on particular products such as condominium and hearing aids are detailed. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter offers information on federal and state laws governing credit reporting agencies and tips on selecting one. Among the rules of the U.S. Fair Credit Reporting Act and New Hampshire's RSA 359-B are such agencies must disclose information sources in the report and the identity of people who received the report. It advises consumers to request a report from Equifax, Experian and TransUnion. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. The chapter discusses the federal and state regulations on credit service organizations, advance fee loans and credit repair scams. Under the Credit Service Organizations Act, RSA 359-D, a credit service organization must post a bond with the state's Secretary of State, disclose the services they offer to customers, offer a five-day right to rescind any contract and avoid prohibited practices. It also offers tips on detecting fraudulent fees and scams. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter focuses on two laws governing debt collection practices, namely, the Unfair, Deceptive or Unreasonable Collection Practices Act of New Hampshire and the U.S. Fair Debt Collection Practices Act (FDCPA). It notes that both laws prohibit debt collectors from involving in certain practices, and provide some protection to debtors during the process of debt collection. Also mentioned is the most important difference between the two laws. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. This chapter deals with rules that offer protection against telemarketing fraud in the U.S. It notes the approval of a law which strictly regulates prizes and sweepstakes promotions by the New Hampshire Legislature. Also outlined are signs that a telemarketing sales pitch or charitable solicitation may not be legitimate, including a request for a consumer's credit card number for purposes other than making a purchase. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. This chapter looks at laws that apply to renting, security deposits and evictions in New Hampshire. It provides information on a law on security deposits (Revised Statutes Annotated (RSA) 540-A). Five good causes for eviction in the state are also listed, one of them is failure to pay the rent. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. This chapter offers suggestions on how to write an effective complaint letter. It enumerates the reasons why such a letter is important, one of which is that it puts a consumer complaint on record with the firm. Significant points to cover in writing this letter are also outlined, including essential facts about the purchase. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter focuses on the small claims court, also called small claims session, in New Hampshire which can handle minor legal disputes involving consumers. It notes that the small claims procedure concerns the appearance of the individual making a claim before the district or municipal court judge. It also cites the advantages and disadvantages of the procedure, in which one advantage is that lawyers are not required in the process. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter provides tips on how consumers can express their complaints on products or services to the representative of the business in the most effective way possible, leading to the resolution of consumer problems. It recommends consumers to gather all information relevant to the product or service at issue before conducting negotiations with the business. It urges consumers to observe self-assured good manners during negotiations. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. It focuses on the U.S. Truth-in-Lending Act (TILA) and its impact on loans and financial services in New Hampshire. It also offers a brief summary of TILA which protects consumers in consumer credit transactions. Information that are required to be disclosed to the consumer prior to engaging in an installment credit contract or closed-ended credit transaction are cited, one of which is the total sales price of the goods purchased. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter discusses the federal and state laws governing funeral service providers. The Funeral Rule of the U.S. Federal Trade Commission requires that funeral service providers provide consumers information on the price of their services and products, embalming, cash advance, caskets and other products and services. Provisions of the state law on preplanning services offered by memorial societies are also cited. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter discusses the pros and cons of private lawsuit, proof of claim filing in bankruptcy, private settlement and walking away, which are used in reimbursing goods and services by consumers from failed businesses. Judgments in private lawsuits are said to require further legal proceedings to allow consumers to turn the right to payment into cash. It is noted that consumers seeking proof of claim in bankruptcy are prioritized over creditors. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. The chapter discusses the federal and state laws governing electronic commerce (e-commerce). It explores the provisions and exceptions of the Electronic Signatures in Global and National Commerce Act, along with other laws on electronic fund transfer. It also offers tips on ensuring safe online shopping. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter offers information on returning merchandise and defective goods for a refund in the state. State law says that the right to return a merchandise is created by a statute, contract or store policy. Under the Uniform Commercial Code (UCC), a buyer may refuse a good if he or she accepted it before discovering a defect and the defect was not easily discovered. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter focuses on credit cards and the Truth-in-Lending Act (TILA), a U.S. federal law that contains rules governing credit card transactions. The three categories of TILA, namely, initial disclosures, periodical disclosures and rules regarding disputed charges, are explained. Also discussed is a procedure, established by TILA, by which consumers can dispute mistakes in their credit card periodic statements. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. It offers insights to consumers in New Hampshire on charitable solicitations. It notes that all charities doing business in the state are required to register with the Charitable Trusts Unit of the New Hampshire Attorney General's Office. Consumers are advised to obtain as much information as they can about a charity and its activities before making a donation. more...

A chapter from the book "New Hampshire Consumer's Sourcebook," Third Edition is presented. It discusses some of the rights and protections of used car consumers in New Hampshire. According to the Unsafe Vehicle Act, used care consumers have important rights in the sale of so-called unsafe vehicles. It notes that such consumers are protected when the dealer wants to sell a used car with no warranty under the Uniform Commercial Code (UCC). more...

A chapter from the book "New Hampshire Consumer's Sourcebook," third edition, is presented. The chapter offers insights to people who want to buy a new automobile on the basics of advertising, oral promises and deposits. It notes that there are some automobile dealers who are involved in the so-called bait and switching advertising, a type of advertisement that is designed to increase traffic in the showroom with attractive prices on inexpensive automobiles that have few features. Buyers are advised to resist any pressure to leave a deposit. more...