Consumer Law

A. Credit

If you are facing creditor harassment there are many ways to stop it including lawsuit against both the person doing the harassment as well as the business employing such person.

B. Commercial Paper

Commercial paper is regulated under Article 3 of the Uniform Commercial Code and deals with the negotiability of notes and drafts or the liability of the parties in cases where a note or draft is not properly indorsed, or is falsely indorsed. A note is a two party promissory instrument with one party the maker promising to pay the payee a sum of money. This is used for the extension of credit. A draft is a three party instrument with the drawer ordering the drawee or payor to pay a sum of money to a third party the payee. Checks are drafts and drafts are often used to pay a debt or to provide short term credit.

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