Faircontracts.org

Government Fees, Contracts & Taxes – Fair Contracts

Faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

Actived: Thursday Jan 1, 1970

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Cell Phones – Fair Contracts

Posted: (52 years ago) A. Late Fee. Wireless providers should be allowed to charge no more than fair interest rates for late fees. Currently, most companies charge a minimum fee of $5 for late payments. A $5 charge to a $50 monthly bill that is a day late would be 10% daily interest, which would amount to 1500% monthly interest.

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Fair Contracts – What Have You Agreed To Today?

Posted: (52 years ago) Feb 24, 2020  · The Forced Arbitration Injustice Repeal Act (FAIR Act) to Re-Open Courthouse Doors. February 24, 2020. Visitors of this website are likely familiar with the power and pervasiveness of forced arbitration clauses. Employers and businesses routinely put clauses into the fine-print of boilerplate contracts that deprive consumers and employees of ...

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What Are Standard Form Contracts – Fair Contracts

Posted: (52 years ago) Standard Form Contracts are agreements that employ standardized, non-negotiated provisions, usually in preprinted forms. These are sometimes referred to as “boilerplate contracts,” “contracts of adhesion,” or “take it or leave it” contracts. The terms, often portrayed in fine print, are drafted by or on behalf of one party to the ...

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Class Action / Arbitration Waivers – Fair Contracts

Posted: (52 years ago) Class Action Waivers are sections of a contract that prevent someone from filing a class action lawsuit and can be found in many different types of contracts, including employment contracts. A class action lawsuit is where many people all sue someone for the same reason. When a person signs a class action waiver, they are no longer allowed to join other people who are …

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Waiver of Right to Jury Trial – Fair Contracts

Posted: (52 years ago) Waiver of Right to Jury Trial. The Constitution of the United States provides that every citizen has the right to a jury trial. However, many states allow people to waive, or give up, that right by signing a contract. Many companies take advantage of this rule by including a section of their contracts that acts as a waiver of a right to jury ...

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Liquidated Damages Clause – Fair Contracts

Posted: (52 years ago) Liquidated damages are a means of compensation for the breach of a contract. Often, liquidated damages clauses are found in real estate transactions and other contracts where a specific dollar amount can be hard to determine because of changing circumstances.

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Early Termination Fee – Fair Contracts

Posted: (52 years ago) An early termination fee is a penalty charge that consumers must pay if they decide to end their contracts prior to the agreed upon date. This kind of fee is typical of cell phone contracts, gym memberships, leases or other long-term contracts. The purpose of the early termination fee is to encourage consumers to honor the contract for its full duration.

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Automobiles — Vehicle Leasing Contracts – Fair Contracts

Posted: (52 years ago) Automobiles — Vehicle Leasing Contracts. I. Introduction. Consumer automotive sales, one of the most interesting market environments, has on one side consumers privy to a vast array of data, the availability of which has put them in a better bargaining position than they are aware. On the other side are dealerships, armed with ever more ...

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Free Sample Fixed-Term Employment Agreement – Fair Contracts

Posted: (52 years ago) Aug 11, 2010  · faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Some Solutions – Fair Contracts

Posted: (52 years ago) The following are some potential solutions or partial solutions to begin to address some of the problems with the use of fine print standard form contracts, though reasonable people may disagree with one or more of the suggestions or their efficacy. First: Contracts should be transparent and accessible.

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Penalty Clauses – Fair Contracts

Posted: (52 years ago) Penalty clauses in contracts allow for a party to charge extra money if the other party fails to follow the terms of the contract, such as a late payment or failure to pay. They are common in loan agreements and provide a pre-determined penalty amount. Unlike liquidated damages clauses, the purpose of penalty clauses is to punish a party for its actions.

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Express and Implied Warranties – Fair Contracts

Posted: (52 years ago) Express warranties, as their name suggests, are expressly made by the seller or manufacturer of a product. Generally, express warranties are made in writing, but they need not be in order to be considered express warranties. Implied warranties, on the other hand, are warranties that arise either from the sale itself or the circumstances of the ...

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Alan Siegel: Let’s simplify legal jargon – Fair Contracts

Posted: (52 years ago) Jun 21, 2010  · faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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The Supreme Court Rules Against Consumers By Allowing ...

Posted: (52 years ago) Dec 19, 2010  · faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Mississippi Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · Mississippi Consumer Law. June 7, 2010. In Mississippi, the mini-FTC act is the Mississippi – Consumer Protection Act. Under this legislation, plaintiffs have a cause of action when any person who sells or leases goods or services primarily for personal, family or household purposes, thereby causing an ascertainable loss of money or property ...

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Affinity Organizations – Fair Contracts

Posted: (52 years ago) Affinity organizations present a unique issue in the field of contracts. Affinity organizations are defined as typically non-profit organizations which offer their subscribing members benefits such as discounts to partnering businesses such as insurance companies and retail stores.1 These organizations may cater to a specific demographic (e.g ...

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Who We Are – Fair Contracts

Posted: (52 years ago) Who We Are. Citizen Works, a 501 (c) (3) nonpartisan, nonprofit organization, and a number of volunteers and seasoned allies who contribute content, have incubated the Fair Contracts Project at faircontracts.org to rebalance the power between businesses and individual consumers by educating about and reforming harmful provisions to consumers in ...

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Unilateral Modification – Fair Contracts

Posted: (52 years ago) Unilateral Modification. Unilateral modifications are changes made to a contract by one side, usually the seller. This means that the buyer has signed the contract and has agreed to the terms currently in the contract, as well as any future changes that the seller might make to the contract. There does not need to be a separate agreement after ...

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Nebraska Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · Nebraska Consumer Law. June 7, 2010. In Nebraska, there are two governing mini-FTC acts: The first is the Consumer Protection Act (Neb. Rev. Stat. §§59-1601 to 59-1623). Under this legislation, plaintiffs have a cause of action when a defendant commits unfair or deceptive acts that affect the public interest. To sustain an action, the ...

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Contract Provisions – Fair Contracts

Posted: (52 years ago) faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Banking – Fair Contracts

Posted: (52 years ago) Jul 13, 2012  · Pew Charitable Trust has surveyed the checking account paperwork of the major banks, producing two major studies showing the exhorbitantly long median length of the paperwork involved in opening these accounts and making suggestions for reform, including on overdraft fees and the reordering of withdrawals.

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Seller’s Right to Assign – Fair Contracts

Posted: (52 years ago) Seller’s Right to Assign. The right to assign a contract is the right to transfer that contract to someone else. This provision can be found in credit card agreements, real estate transactions and other agreements that involve an exchange of money. When the seller has the right to assign, he or she can transfer the power to enforce the ...

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Military Recruiting – Fair Contracts

Posted: (52 years ago) Military Recruiting. Contracts of adhesion1 may be found in many fields of employment law with varying degrees of guile written into each contractual clause. All branches of military employment are no different and features several aspects which may make this set of contracts all the more compelling. First, many military enlisters begin their ...

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South Carolina Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · In South Carolina, the mini-FTC act is called the South Carolina Unfair Trade Practices Act, or SC ST §§ 39-5-10 et seq. Under this legislation, plaintiffs have a cause of action when any legal entity employs an “unfair method of competition” or …

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Indiana Consumer Law – Fair Contracts

Posted: (52 years ago) Oct 15, 2010  · faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Washington State Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · June 7, 2010. In Washington, the mini-FTC act is the Washington Consumer Protection Act . Under this legislation, plaintiffs have a cause of action when anyone in trade or commerce engages in unfair competition or unfair or deceptive acts. To sustain an action, plaintiff must show actual harm due to the defendant’s conduct.

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West Virginia Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · In West Virginia, the mini-FTC act is the West Virginia Consumer Credit and Protection Act.Under this legislation, plaintiffs have a cause of action when anyone in the conduct of trade or commerce commits unfair or deceptive …

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The Forced Arbitration Injustice Repeal Act (FAIR Act) to ...

Posted: (52 years ago) Feb 24, 2020  · The House passed the Forced Arbitration Injustice Repeal Act, known as the FAIR Act. If signed into law, the bill would invalidate any pre-dispute arbitration clause that arises in “an employment dispute, consumer dispute, antitrust dispute, or civil rights dispute,” even if that clause predated the law. The effect would prevent a company ...

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The Problem – Fair Contracts

Posted: (52 years ago) The problem presented by many of these contracts can be summed up as unequal bargaining power — between the consumer and the corporate entity that uses them. Corporations use these contracts to have uniformity and efficiency by reducing the costs to them of negotiating with consumers on an individual basis.

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New Mexico Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · In New Mexico the mini-FTC act is the Unfair Trade Practices Act.Under this legislation, plaintiffs have a cause of action when businesses (with exemption for publishers, broadcasters, printers and regulatory bodies of New Mexico and the United States) use unfair trade practices (listed in section 57-12-2(D)(6)). To sustain an action, the plaintiff does not …

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Privacy – Fair Contracts

Posted: (52 years ago) faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Seller’s Right to Repossess Goods – Fair Contracts

Posted: (52 years ago) A seller’s right to repossess goods means that if a buyer fails to make a payment, the seller can take it back. Often, this means that the buyer loses both the item AND any money she has paid for the item to that point. This type of clause is often found in the purchase of high-value items such as furniture or electronics.

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Farming – Fair Contracts

Posted: (52 years ago) Farming. Farmers face unique adhesion contract problems in two primary situations. The first is called the “production contract,” where farmers contract with food processor companies to produce crops or livestock that the processor agrees to buy in advance. Production contracts can cause serious problems for farmers because of unfair ...

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Acceleration Clause – Fair Contracts

Posted: (52 years ago) Acceleration Clause. An acceleration clause is commonly found in mortgages and other purchases that are made using multiple installment payments. The clause allows for a party to demand the full amount due in the event that the other party fails to live up to the terms of the contract, such as failure to make payments. David agrees to buy Rosa ...

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Warranties – Fair Contracts

Posted: (52 years ago) Warranties. A warranty is like a promise to a buyer that certain things are true (such as whether a product will work). This promise works as a contract between the seller and the buyer and outlines terms such as how, when and if the product can be returned, replaced, or repaired. If this “promise” is broken, the buyer can ask the seller ...

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Magnusson Moss Act Summary (2009) – Fair Contracts

Posted: (52 years ago) Jul 05, 2010  · Magnuson-Moss Warranty Act (15 U.S.C. § 2301 et seq.) In 1975, Congress enacted the Magnuson-Moss Warranty Act to standardize product warranties so that consumers could better understand them and the FTC could better enforce their terms. Notably, it does not require warranties on all products, nor does it create implied or non-disclaimable ...

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Ohio Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · In Ohio, the mini-FTC act is located at Ohio Rev. Code Ann. §§1345.01 through 1345.13 (Consumer Sales Practices Act) and Ohio Rev. Code Ann. §§4165.01 through 4165.04 (Deceptive Trade Practices Act). Under this legislation, plaintiffs have a cause of action when a supplier commits unfair, unconscionable or deceptive acts (this excludes financial institutions …

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Rhode Island Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · Rhode Island Consumer Law. In Rhode Island, the mini-FTC act is R.I. Gen. Laws §§6-13.1-1 through 6-13.1-28 . Under this legislation, plaintiffs have a cause of action when a natural person, corporation, trust, partnership, incorporated or unincorporated association, or other legal entity engages in “unfair methods of competition and unfair ...

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Vermont Consumer Law – Fair Contracts

Posted: (52 years ago) Jun 07, 2010  · June 7, 2010. In Vermont, the mini-FTC act is Vt. Stat. Ann. tit. 9, §§2451 through 2480n (Consumer Fraud Act). Under this legislation, plaintiffs have a cause of action when businesses engage in unfair or deceptive acts or practices, as defined by the Federal Trade Commission Act. To sustain an action for damages, the plaintiff must show ...

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Top student loan ripoff investigator quits CFPB; says ...

Posted: (52 years ago) Aug 27, 2018  · faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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Contribute – Fair Contracts

Posted: (52 years ago) faircontracts.org is a coalition of volunteers and consumer advocates working to rebalance the power between consumers and corporations by providing education, advocacy and resources to remove unfair and harmful provisions in the fine print of boilerplate contracts.

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