Author Archives: PLO

Personal Finance: Statute of Limitations on Credit Card Debt in California

A valid lawsuit must be filed in a timely manner, close to the disputed event. The basic principle is that the statute of limitations protects the defendant from lawsuits after all the relevant evidence is stale (documents are missing, and … Continue reading

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The Federal Trade Commission Enforces Marketing Standards for Learning Games

Lumos Labs, the makers of brain games Luminosity, was fined two million dollars by the Federal Trade Commission for deceptive marketing. In the filing, they brought issues to the forefront regarding claims that games and apps that are designed as … Continue reading

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Legal Challenges to the Consumer Financal Protection Bureau

The Consumer Financial Protection Bureau (CFPB) is a federal government agency charged with consumer protection in the financial sector. It was developed and staffed as part of the Dodd-Frank Act, and came about as the result of the financial malfeasance … Continue reading

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How Long Does a Foreclosure Stay on Your Credit Report?

Nobody chooses to fall behind on their mortgage payments. The loss of a home to foreclosure is emotionally devastating. It’s typically the result of circumstances beyond your control such as loss of a job, loss of wages due to a … Continue reading

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How Do You File A Class Action Lawsuit In California?

When a product is defective or advertising is misleading, causing a loss of money or other form of damages, you might think that you have no real recourse if the company doesn’t voluntarily make it right. The cost of taking … Continue reading

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Collection of Facial Images for Facial Recognition Software Development: Challenges from Consumers

Newly developed facial recognition software is being used in biometric security, retail tracking, robotics, machine learning, law enforcement and government, and many other applications. The technology was developed, among other means, by collecting images of faces when people were playing … Continue reading

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Ten Strategies for Stopping Robocalls

Anyone who has received repeated robocalls—or recorded sales calls—know how annoying and frustrating it is. Although registering one’s number on the Do Not Call Registry can get rid of many unwanted phone calls, it does little for robocalls. The federal … Continue reading

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Debt Collection in California: What is the Statute of Limitations?

Under California law, debt has a statute of limitation. The length depends on the type of debt and the creditor. Claims for breach of written contract—which includes normal consumer debt, like credit card debt—has a four year statute of limitations. … Continue reading

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Crushing Student Loan Debt: A Top Consumer Problem

There are many consumer problems in America today. Younger consumers are also facing the crushing burden of student loan debt. According to MarketWatch, Americans have a total of $1.2 trillion student loan debt which is racking up by $2,726.27 every second. … Continue reading

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Consumer’s Rights to Access to Information

Controlling the collection and disclosure of information is important, but consumers’ access to data about them held by private actors can often be equally important. The European Union provides a broad right of access under Article 10 of the Data … Continue reading

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