Legal Articles

• What is the Equal Credit Opportunity Act?
  Getting and using credit seems to be an American pastime these days. You can use a credit card to pay for your meals at McDonald’s, and you can rarely make a hotel reservation without using a credit card. With skyrocketing prices, who pays cash for a car or a house?  It is common for an average person to carry a 30-year mortgage, a car loan, and a few thousand dollars in … more
• What are 'Acts of God' clauses in insurance policies?
  Traditionally, homeowner’s insurance policies have contained an exclusion clause for damages caused by “acts of God”, a catch-all term that covers any sort of act of nature that cannot be controlled, like earthquakes or hurricanes. “Acts of God” also typically include damages as a result of war, i.e. a nuclear war. In recent years, however, there has … more