The primary consumer protection problem areas that have given rise to the States» actions include: (1) unsubstantiated claims
of consumer savings; (2) deceptive representations about the length
of time necessary to
complete a debt relief program; (3) misleading or failing to adequately inform consumers that they will be subject to continued collection efforts, including lawsuits, and that their account balances will increase due to extended nonpayment under the program; (4) deceptive disparagement
of consumer credit counseling; (5) deceptive disparagement
of bankruptcy as an alternative for debtors; (6)
lack of screening and analysis to determine suitability
of debt relief programs for individual debtors; (7) the collection
of substantial up - front
fees so the debt relief company gains even if it fails to perform; (8)
lack of transparency and information for consumers as to payment
of fees, status
of accounts, and communications with creditors; (9) significant delays in active negotiation or engagement with creditors, coupled with prohibitions on direct consumer communications with creditors; and (10), in the case
of debt settlement companies, basing savings claims (and settlement
fees) not on the original account balance, but on the inflated amount due (including late
fees and default rates
of interest) at the time
of settlement.
And while we can't really
complete our Switch review until launch day when the Day One patch goes live alongside Nintendo's still - mysterious online features, Nintendo announced that they're going to begin charging a subscription
fee for online play later in the year, something we can't quite wrap our heads around yet with the
lack of multiplayer games announced so far.
In order to recover attorney's
fees, a party must show that there was a «
complete lack of justiciable issue» raised by the other party.
To acquire a real estate salesperson license an individual must
complete educational courses, pass an exam, have a trustworthy character as demonstrated by
lack of criminal felony charges, and pay a
fee.