The vehicles being recalled are Chrysler 300s and Dodge Chargers from the 2011 and 2012 model years. The recall is expected to begin this month. Chrysler will notify owners of the recall shortly. To fix the problem, dealers will relocate the ABS/ESC system fuse.

Electrical system defects in a car can affect the use, value and safety of a vehicle. While recalls are designed to fix problems, it may take several repair attempts to resolve. If your vehicle has a defect that requires multiple repair attempts, you may have a lemon car entitling you to your money back or a replacement vehicle.

Riverside new vehicle lemon lawyer Howard D. Silver has dedicated his career to helping consumers deal with their lemon vehicles. He can apply his years of experience and success to your case. For more information, call the Law Offices of Howard D. Silver at (866) 49-LEMON.

For example, for those seeking lemon law protection in Indiana, the vehicle nonconformity or defect must be subject to at least four unsuccessful repair attempts or be at the manufacturer’s authorized repair facility for warranty repairs a cumulative total of not less than 30 business days during the warranty period. Also, contrary to California, the manufacturer, not the consumer, gets to decide whether to offer a replacement vehicle or the consumer’s money back.

Getting your money back means receiving the contract price of the vehicle minus a usage fee based on the number of miles traveled with the car before the refund, sales tax, registration fees, excise taxes, finance charges, and the cost of all options added by the dealer. For a replacement, the new vehicle cannot result in a greater financial obligation than what the consumer had originally.

If you believe your vehicle is a lemon, contact Riverside new vehicle lemon law attorney Howard D. Silver for help. For more information, call the Law Offices of Howard D. Silver at (866) 49-LEMON.

To keep yourself as safe as possible, understand these important factors in identity theft protection provided by MarketWatch.com.

1. Always keep your purse or wallet with you to prevent them from being easily stolen.
2. Keep the least amount of personal information possible with you. Leave Social Security cards, birth certificates, and check books at home, preferably in a locked safe, to prevent theft.
3. Do not give your personal information out via phone or email, as this is the number one means of theft for Social Security Insurance.
4. Carefully inspect your monthly bank statements and immediately report anything suspicious to the bank.
5. Use your three free credit reports throughout the year to check for discrepancies and issue an identity theft credit freeze if needed. Each of the three nationwide consumer reporting companies – Experian, Transunion, and Equifax – are required to give one free credit report every 12 months.
6. Use a credit monitoring service to alert you of changes in credit reports.
7. Carry as few credit and debit cards as possible, and keep careful track of them.
8. Be aware and cautious when using your PIN number so as to keep it from being seen or stolen.
9. If gone during the day, have a trusted neighbor collect your mail if your mailbox is easily accessible to strangers.
10. Shred all documents with personal information before throwing them away.

While these methods can prevent many instances of I.D. theft, such crimes are not completely preventable. If you have been the victim of such theft, Ventura identity theft attorney Howard D. Silver can help mitigate your losses. For more information, call (866) 495-3666.

The Chevrolet Cruze, a plug-in hybrid vehicle, is a top seller for General Motors (GM), which also has experienced problems with the Chevrolet Volt. Reportedly, there are at least two incidents of fires breaking out in Cruze vehicles, although GM is currently looking into at least 19 warranty claims dealing with fires in hybrid cars. The two documented incidents of Cruze fires both involved fires breaking out in the engine area while the vehicles were stopped. Both fires started with flames coming from the hood, with the fire quickly spreading and consuming the car. No related injuries have been reported.

The second investigation concerns 2010 Jeep Wranglers, produced by Chrysler Group LLC. There have been eight reports concerning engine compartment fires. All of the reports concern fires breaking out or signs of fires starting while the vehicles were being driven. No injuries or accidents have been reported.

Vehicle defects are often the result of serious problems with a car that may take multiple repairs to fix. After several repair attempts or enough time spent out of service, a vehicle may qualify as a lemon under California law. For assistance in your case, call San Bernardino lemon law attorney Howard D. Silver at (866) 49-LEMON.

To best defend yourself from companies that use unfair debt collection practices, it is important to know who they are and how they operate. Some important facts to know about debt collection agencies, according to Marketdata Enterprises, Inc.’s U.S. Debt Collection Agencies: An Industry Analysis, include:

• Collection agency industry revenue grew to $12.2 billion in 2011, and is projected to be approximately $12.8 billion in 2012.
• There are more than 140,000 workers in the collection agency field, with each worker collecting about $245,000 per year. Fierce competition can lead to illegal and aggressive tactics.
• Collection employees work on a contingency basis, meaning that most of their income is based on a percentage of how much they collect.
• In 2011, debt collection was the number one consumer complaint to state government offices.

Being aware of collection agency tactics will help you understand your rights and how you can defend yourself from unfair tactics. Riverside fair debt collection lawyer Howard D. Silver can help put an end to the illegal collection practices you are facing. For more information call the Law Offices of Howard D. Silver at (866) 495-3666.

Massachusetts also provides coverage for used cars with mandatory warranties defined by the state and based on the mileage of the vehicle at the time of purchase. If defects occur during the warranty, consumers are eligible for repairs, refunds or replacement vehicles. For refunds, consumers receive the total cost of the vehicle minus a reasonable allowance for use (15 cents for every mile driven since the time of purchase).

Navigating a state’s lemon laws can be confusing and if not done properly, a consumer may incur losses they were not responsible for causing. If you live in California and believe your vehicle is a lemon, call Los Angeles lemon law attorney Howard D. Silver at (866) 49-LEMON for assistance.

Beyond the monetary penalty, the settlement also requires that if a consumer disputes the debt or before the buyer places the debt on a credit report, the buyer must investigate and ensure that it has a rightful claim to the debt in question. Additionally, the company cannot place a debt on the consumer’s credit report without first notifying the consumer about his or her negative credit report.

Under the Fair Debt Collection Practices Act (FDCPA) and the Dodd-Frank Wall Street Reform and Consumer Protection Act, the FTC and the Consumer Financial Protection Bureau (CFPB) have law enforcement authority in the area of debt collection and can supervise and enforce compliance with the rules. Additionally, the CFPB can prohibit any debt collection action that it considers deceptive, unfair, or abusive.

If you have been targeted by a debt collection agency using unfair debt collection practices, you have the right to seek protection. Los Angeles fair debt collection attorney Howard D. Silver has the skills needed to help. For more information, call (866) 495-3666 for a free consultation about your case.

Modern society and technology has created a glut of information that can be used for I.D. theft. Therefore, it is important to know what materials may be used by thieves to steal identities. These materials include:

• Social Security numbers – They appear more than before in written materials and online transactions.
• Bank account statements – Improperly shredded documents or hacked online accounts can give an I.D. thief access to your finances.
• Credit card numbers – Accessed through documents, online accounts and by stealing, skimming, or copying information. Once stolen, extravagant purchases can be made online and elsewhere.
• Email – Thieves will hack into email to access any valuable info that has been sent through the account.
• Tax returns – These documents are filled with enough information to access anything the thief desires.
• Computers – If your computer is stolen or hacked, the thief may be able to access personal documents and online history housed within to access personal info.

While being aware of these dangers can help you prevent identity theft, no one can stay completely protected. If you or a loved one has been victimized by such crimes, San Bernardino I.D. theft lawyer Howard D. Silver can help repair the damage that has been done to you. Call the Law Offices of Howard D. Silver today for a free consultation about your case at (866) 495-3666.

Under the Florida lemon law, when a new vehicle undergoes three repair attempts for the same nonconformity, the owner of the vehicle can notify the manufacturer that they have a final chance to fix the problem before the car is declared a lemon. When notification is received, the manufacturer has ten days to offer a repair. If they do not, they lose their chance. Also, when the vehicle is out of service for a cumulative 15 days due to the same nonconformity, the consumer can contact the manufacturer to repair the vehicle. When it has been out of service for 30 days, it can qualify as a lemon.

When the vehicle cannot be fixed, the manufacturer has 40 days to refund the consumer’s money or offer a replacement vehicle. It is up to the consumer to decide what he or she wants (money versus replacement vehicle).

Under Florida law, there are different lemon law rules for recreational vehicles, defined as vehicles designed to provide temporary living quarters during camping, travel, or other recreation. When a manufacturer is notified that they have one more chance to fix a recreational vehicle that may be a lemon, they have 45 days to respond and offer a repair. Additionally, a recreational vehicle must be out of service for 60 days rather than 30 for the same defect to qualify as a lemon.

It’s important for consumers to understand their rights under their state’s lemon law and what they have to do to obtain a replacement or refund for their vehicle. If you or a loved one is searching for help with your lemon, Howard D. Silver, Los Angeles new car lemon law attorney, can aid you during this difficult and confusing time. For more information, call our offices today at (866) 49-LEMON.

In order to ensure the best service possible and prevent any form of fraud or poor work being done on your car, the BBB offers the following tips to consumers:

• Inspect your vehicle’s warranty to determine whether it must be brought to an authorized dealer for repairs or if it can be worked on by a third party.
• When searching for a shop, ask friends for recommendations or use the BBB’s business list to find the best repair shop.
• Only bring your car to mechanics that display certification and use specialists for major work like brakes and engines.
• Get a written estimate for parts and labor before any work begins. Also, learn about the shop’s policies and methods before giving permission for repairs to begin.
• Have everything that was done (repairs, parts etc.) documented in writing to prove that it took place and can be covered by any guarantee that was provided by the repair shop.

If you believe that you or a loved one has been the victim of any form of car repair fraud, it is important that you immediately obtain legal representation for your case. Howard D. Silver has years of experience as an auto repair fraud lawyer in Riverside and can help. For a free consultation, call the Law Offices of Howard D. Silver at (866) 49-LEMON.