Consumer Insights
Analysis and practical guides on consumer.
40 articles, checklists, and guides on consumer law, written by the attorneys at MC Law. Every piece is general information, not legal advice—for a specific matter, contact the firm.
Vehicle Purchase and Lemon Law Checklist: A Practical Checklist
This checklist covers a vehicle transaction from before the dealership through a lemon law claim or a dealer dispute. It has three parts: the ninety-minute buying protocol that prevents most problems, the service-visit discipline that builds the case if one arises, and the escalation sequence from written notice through arbitration, revocation, complaints, and small claims. Deadlines and irreversible moments are flagged, including the point at which a trade-in title should never be surrendered and the window in which finance office products can be cancelled for a refund.
Student Loan Toolkit: Plan Selection, Forgiveness Applications, and Default Resolution
This toolkit collects the working documents of a student loan matter: the inventory and loan-type audit worksheets, a consolidation decision matrix, a repayment plan comparison, phone scripts for the two calls that matter most, a payment count dispute letter, a garnishment hearing request, rehabilitation payment negotiation language, discharge application narratives for closed school and borrower defense, private loan validation and cosigner release demands, servicer and regulator complaint letters, and a third-party authorization. Each is annotated with the rule it invokes and the failure it prevents.
Identity Theft and Credit Report Toolkit: Freezes, Disputes, Blocks, and Litigation
This toolkit assembles the letters and worksheets of a credit reporting matter: the block request that most consumers never send, a six-part dispute letter template, demands for transaction records and adverse action notices, requests for the reinvestigation procedure and the reinsertion certification, mixed file separation language, notices to furnishers and debt collectors, the dissemination list request that establishes concrete harm, dispute and call logs, a harm documentation worksheet, goodwill and pay-for-delete letters, and a pre-litigation demand. Each is annotated with the provision it invokes.
Auto Purchase and Warranty Toolkit: Inspection, Demands, Revocation, and Claims
This toolkit collects the working documents of a vehicle dispute: the pre-purchase inspection request, repair order correction language, a defect log, the manufacturer lemon law notice with its repair attempt table, a revocation of acceptance letter, the holder rule notice to the lender, cancellation demands for service contracts and gap insurance, the yo-yo financing and trade-in restoration demand, an odometer fraud demand, dealer board and regulator complaint outlines, a settlement demand letter, an arbitration submission package, a small claims exhibit list, and a deficiency defense outline.