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Everyone has heard the term “lemon” to describe a car that doesn’t work well or breaks down all the time, but many people may not realize that there’s an actual “lemon law” in the state of California to protect consumers when they unwittingly buy a defective car from a manufacturer or dealer. However, just because the car you bought is having some issues doesn’t necessarily mean you’ll qualify for protection under this law.

If your vehicle is a lemon because the manufacturer cannot fix a warranty defect after a reasonable number of repair attempts, you are probably aware of your right to obtain a replacement vehicle. But can you demand a refund instead of a replacement vehicle?

People generally do not expect to have problems with their new or used vehicle. Purchasing or leasing a vehicle that ends up defective and requires constant repairs can be frustrating and disappointing.

If you’ve bought or leased a vehicle that is a ‘lemon,’ you’re probably frustrated, or even overwhelmed. A lemon car means one that has a significant defect (or defects) that cannot be repaired after repeated attempts.

Here is a template for a letter to send to debt collectors to dispute and verify debt. Copy and paste it into your word processor.

Lately, it seems that more and more people are getting harassing phone calls about old debts that they hardly recognize. When, not if, you get a call like this, don’t panic.

Many times these scammers have illegally obtained your credit report and are pretending that they are calling on behalf of real creditors. However, they have a new way to skip that step. They pretend that they are calling on behalf of the IRS.

In 2008, John and Jen Palmer bought about $20 worth of knick-knacks from a company called Kleargear. When the products never showed up, the Palmers wrote a negative review of Kleargear.

Financing can be a great tool, used wisely, and sometimes it can even be necessary to live in the United States. However, the finance industry is rife with people looking to take advantage of others, especially those who are already impoverished. John Oliver gives some details on this phenomenon.

CarMax likes to advertise their certified and inspected cars. However, they really don’t like