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	<title>JusticeTimes.com &#187; Consumer Justice</title>
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	<link>http://justicetimes.com</link>
	<description>Your Non-Partisan Watchdog</description>
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		<title>How to Avoid Bankruptcy-Related Scams</title>
		<link>http://justicetimes.com/2008/11/25/how-to-avoid-bankruptcy-related-scams/</link>
		<comments>http://justicetimes.com/2008/11/25/how-to-avoid-bankruptcy-related-scams/#comments</comments>
		<pubDate>Wed, 26 Nov 2008 02:07:07 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Fair Access Amendment]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=1572</guid>
		<description><![CDATA[by Ron Bartels Consumer Justice &#8211; Scams Bankruptcy Can Save a Lot of Headaches A number of companies and individuals take advantage of people who are in debt and currently deciding whether to file for bankruptcy. Falling for such a scam may make it harder to convince a judge to grant you a bankruptcy petition, and it can cost money that you can&#8217;t afford to pay. However, you can avoid bankruptcy-related scams fairly easily. Here are tips. Avoid credit repair or credit counseling services that are not associated with established nonprofit organizations. Credit counseling services that charge fees to improve your credit and prevent bankruptcy are scams. A lot of these organizations cherge an upfront fee to cover their sales commissions and nothing goes to your creditors for anywhere from 1 to 3 months. Many of these organizations have a risky track record and some operators have been convicted of fraud. Think twice before using a typing service or bankruptcy petition preparer. Such scams offer to prepare your bankruptcy paperwork, but are notorious for the number of errors they make. Such errors can cause a judge to dismiss a petition, making it difficult to appeal. I would stick to a [...]]]></description>
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		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Why The Economy Has Failed</title>
		<link>http://justicetimes.com/2008/11/22/why-the-economy-has-failed/</link>
		<comments>http://justicetimes.com/2008/11/22/why-the-economy-has-failed/#comments</comments>
		<pubDate>Sat, 22 Nov 2008 13:00:56 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Economic Justice]]></category>
		<category><![CDATA[Amend The Constitution]]></category>
		<category><![CDATA[Constitutional Justice]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Criminal Justice]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=1487</guid>
		<description><![CDATA[by: Ron Randall We Need To Become Producers Again This is my personal opinion of why the American economy is falling and just why it may get worse. For decades now we have been losing in the industrial area. Our industrial landscape or infrastructure has been declining for years. We have become a nation of consumers not builders. Not much is made in this country anymore; we are buying everyone else&#8217;s products. We have settled for cheaper products. We have shot ourselves in the foot. We went form the building industry, to a service industry and now we are just a nation of consumers. A nation of consumers cannot survive on it&#8217;s own. It has no foundation to stand on and that is where we are now. I would not mind spending a little more for a product knowing jobs are being created and the money staying here in the America. Cheaper is not always better. Another thing is that the Global Economy has not helped the US at all. It has helped a lot of other countries except the US. Other countries are now becoming captains of industry while we fall behind. This has been happening for decades and [...]]]></description>
		<wfw:commentRss>http://justicetimes.com/2008/11/22/why-the-economy-has-failed/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>The Truth About Free Credit Report Scams</title>
		<link>http://justicetimes.com/2008/10/24/the-truth-about-free-credit-report-scams/</link>
		<comments>http://justicetimes.com/2008/10/24/the-truth-about-free-credit-report-scams/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 15:05:40 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Economic Justice]]></category>
		<category><![CDATA[Financial Justice]]></category>
		<category><![CDATA[Financial Terrorism]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[free credit report]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=658</guid>
		<description><![CDATA[&#8220;If you&#8217;re threatened with a lawsuit and can&#8217;t afford a layer or aren&#8217;t sure you can trust the lawyer you have, visit Jurisdictionary® to get step-by-step tips and tactics for winning with or without a lawyer.&#8221; By: Pat Hicks Consumer Justice The Truth About &#8220;Free&#8221; Credit Reports Too many people are being confused, mislead and taken advantage of by ads for, Free Credit Reports. We aim to set the record straight so that won&#8217;t happen to you like it has many others.  Please do not become a victim. How do they get to us? How many of us have looked at anything offered to us for free?  Not me?  Of course I have. In this day in age when gas prices are listed as &#8220;Arm&#8221; and &#8220;Leg&#8221;, providing health insurance for your family costs more than some mortgage payments and the cost of raising kids looks like a hockey stick pasted onto a graph, you bet I look at offers to save money. Here is what sets us up for the scam artists. It seems like the vast majority of American consumers are desperate to cut costs, any costs, and will jump too soon at offers promising to do just [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>Online Auction Scam &#8211; eBay Failed to Respond in Time</title>
		<link>http://justicetimes.com/2008/09/26/online-auction-scam-ebay-failed-to-respond-in-time/</link>
		<comments>http://justicetimes.com/2008/09/26/online-auction-scam-ebay-failed-to-respond-in-time/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:59:13 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Business Justice]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Financial Justice]]></category>
		<category><![CDATA[State of Arkansas]]></category>
		<category><![CDATA[Alice Medlock]]></category>
		<category><![CDATA[Consumer Fraud]]></category>
		<category><![CDATA[Debra Rose]]></category>
		<category><![CDATA[disappointed in eBay]]></category>
		<category><![CDATA[eBay]]></category>
		<category><![CDATA[eBay said they were not liable]]></category>
		<category><![CDATA[fraudulent transaction]]></category>
		<category><![CDATA[Jason Stewart]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=174</guid>
		<description><![CDATA[Posted by Ron Bartels - &#8220;EBay never responded to my five emails concerning this fraud.&#8221;  &#8220;eBay said they were not liable.&#8221; Online Auction Scam Uncovered, Consumer Refunded Money Consumer Fraud &#8211; Consumer Justice LITTLE ROCK – While online auction scams are not new, scammers are becoming more sophisticated and going to greater lengths to defraud consumers. Today, Attorney General Dustin McDaniel wants to draw attention to a particularly shocking scam in order to encourage Arkansans to exercise caution when shopping on Internet auction sites. Recently, Alice Medlock of Van Buren was helping her son buy two jet skis for $9500 on eBay. Alice contacted the seller, who listed her name as &#8220;Debra Rose.&#8221; Through a series of email exchanges, Ms. Rose alerted Alice that she was at a hospital in St. Louis where her husband was awaiting a heart transplant, a procedure she allegedly hoped to help pay for using the money from the sale of the jet skis. She told Alice that she would send her the titles, pay for the shipping, provide a tracking number, and accept payment for the watercrafts through eBay. Shortly thereafter, Alice received an email invoice that appeared to be from eBay. The invoice [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Auto Dealer Sued, Not Paying Sales Tax, Paying off Trade-ins</title>
		<link>http://justicetimes.com/2008/09/26/auto-dealer-sued-not-paying-sales-tax-paying-off-trade-ins/</link>
		<comments>http://justicetimes.com/2008/09/26/auto-dealer-sued-not-paying-sales-tax-paying-off-trade-ins/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:48:26 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Business Justice]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Financial Justice]]></category>
		<category><![CDATA[State of Arkansas]]></category>
		<category><![CDATA[Arkansas Deceptive Trade Practices Act]]></category>
		<category><![CDATA[Business Ethics]]></category>
		<category><![CDATA[John P. McKay]]></category>
		<category><![CDATA[LLC]]></category>
		<category><![CDATA[McKay Hyundai]]></category>
		<category><![CDATA[McKay Motors]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=171</guid>
		<description><![CDATA[NOTE:  Large number of consumers filed complaints. Attorney General McDaniel Files Suit Against Out-of-Business Auto Dealership &#38; Owner Consumer Justice &#8211; Business Ethics??? Hyundai Dealership Failed to Pay Off Trade-in Vehicles and Failed to Honor other Commitments to Consumers LITTLE ROCK– Today, Attorney General Dustin McDaniel filed a lawsuit against McKay Motors, LLC as well as John P. McKay who operated McKay Hyundai in Pine Bluff. The lawsuit alleges that McKay Motors, through its dealership McKay Hyundai, accepted trade-in vehicles but did not pay off existing liens on those vehicles. As a result, consumers were obligated to pay for cars that they no longer owned. The lawsuit also alleges that when McKay Hyundai sold new vehicles to consumers, it failed to make sales tax payments for consumers when it promised consumers that it would do so. McDaniel alleged that this conduct violated the Arkansas Deceptive Trade Practices Act. The lawsuit, which was filed in Pulaski County Circuit Court, seeks restitution for consumers, civil penalties as well as injunctive relief against McKay Motors, LLC as well as John P. McKay.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Individual Have Gun Ownership Rights &#8211; Not Just Miltias</title>
		<link>http://justicetimes.com/2008/09/26/individual-have-gun-ownership-rights-not-just-miltias/</link>
		<comments>http://justicetimes.com/2008/09/26/individual-have-gun-ownership-rights-not-just-miltias/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:34:10 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Gun Owner Rights]]></category>
		<category><![CDATA[State of Arkansas]]></category>
		<category><![CDATA[2nd amendment confers a right to bear arms]]></category>
		<category><![CDATA[Constitutional right to bear arms]]></category>
		<category><![CDATA[District of Columbia v. Heller]]></category>
		<category><![CDATA[Gunowner Rights]]></category>
		<category><![CDATA[militia members]]></category>
		<category><![CDATA[right to bear arms]]></category>
		<category><![CDATA[U.S. Supreme Court]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=168</guid>
		<description><![CDATA[Posted by Ron Bartels McDaniel Supported Gun Ownership Rights for Citizens at High Court Gunowner Rights &#8211; Consumer Justice McDaniel Supportrd Gun Ownership Rights for Citizens at High Court LITTLE ROCK— Today, Attorney General Dustin McDaniel announced his intent to support the Second Amendment as a “right to bear arms” for individuals, not just militia members, by joining a brief to be filed with the U.S. Supreme Court. Last week, the high court agreed to hear District of Columbia v. Heller, a lawsuit challenging gun laws enacted by the District of Colombia. The case is expected to be heard next spring. The fundamental issue in Heller is whether the 2nd amendment confers a right to bear arms on individuals, as opposed to only state militias. “I believe the Second Amendment confers a Constitutional right to bear arms on individuals, not just on militia members,” McDaniel said. “It is a right that belongs to law-abiding Americans and it cannot be taken away by state, federal, or local laws.” Next year’s ruling is considered extremely important, as it could settle for generations to come whether or not law abiding Americans will have a right to own a firearm. Texas will file a brief [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CareMark Settles with Arkansas &#8211; Over Deceiving Patients</title>
		<link>http://justicetimes.com/2008/09/26/157/</link>
		<comments>http://justicetimes.com/2008/09/26/157/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:11:16 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Business Justice]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Financial Justice]]></category>
		<category><![CDATA[Medical Justice]]></category>
		<category><![CDATA[State of Arkansas]]></category>
		<category><![CDATA[brand name prescription drugs]]></category>
		<category><![CDATA[Caremark Rx]]></category>
		<category><![CDATA[LLC]]></category>
		<category><![CDATA[Ron Bartels]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=157</guid>
		<description><![CDATA[Posted by Ron Bartels:  MCDANIEL JOINS 28 OTHER ATTORNEYS GENERAL IN SETTLING CONSUMER PROTECTION CLAIMS AGAINST CAREMARK Medical Justice &#8211; Consumer Justice LITTLE ROCK- Today, Attorney General Dustin McDaniel announced that he along with Attorneys General from 28 other states, entered into a settlement of consumer protection claims against Caremark Rx, L.L.C., one of the nation’s largest pharmacy benefits management (PBM) companies. The States allege that Caremark engaged in deceptive business practices by encouraging doctors to switch patients to different brand name prescription drugs and representing that the patients and/or health plans would save money. But doctors were not adequately informed of the effect this switch would have on costs to patients and health plans. Moreover, Caremark did not clearly disclose to their client plans that money earned by Caremark accrued from the drug switching process would be retained by Caremark and not passed directly to the client plan. The complaint further alleges that Caremark restocked and re-shipped previously dispensed drugs that had been returned to Caremark’s mail order pharmacies. As part of the settlement, Caremark is required to significantly change its business practices. In addition, Caremark will pay $38.5 million to the States and up to $2.5 million in reimbursement [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Arkansas Stops Payday Lenders Charging 300% to 500% Fees</title>
		<link>http://justicetimes.com/2008/09/26/arkansas-stops-payday-lenders-charging-300-to-500-fees/</link>
		<comments>http://justicetimes.com/2008/09/26/arkansas-stops-payday-lenders-charging-300-to-500-fees/#comments</comments>
		<pubDate>Fri, 26 Sep 2008 22:06:30 +0000</pubDate>
		<dc:creator>Ronomundo</dc:creator>
				<category><![CDATA[Business Justice]]></category>
		<category><![CDATA[Collection Justice]]></category>
		<category><![CDATA[Consumer Justice]]></category>
		<category><![CDATA[Financial Justice]]></category>
		<category><![CDATA[Financial Terrorism]]></category>
		<category><![CDATA[State of Arkansas]]></category>
		<category><![CDATA[2008)]]></category>
		<category><![CDATA[344 Ark. 232]]></category>
		<category><![CDATA[40 S.W. 3d 745 (2001)]]></category>
		<category><![CDATA[Ark. Code Ann. § 23-53-102]]></category>
		<category><![CDATA[Arkansas Board of Collection Agencies and Old Republic Surety Company v. Mcghee]]></category>
		<category><![CDATA[Arkansas Check-Cashers Act]]></category>
		<category><![CDATA[Arkansas Deceptive Trade Practices Act]]></category>
		<category><![CDATA[Arkansas State Board of Collection Agencies]]></category>
		<category><![CDATA[Arkansas Supreme Court opinions]]></category>
		<category><![CDATA[Arkansas Supreme Court rulings]]></category>
		<category><![CDATA[Article 19]]></category>
		<category><![CDATA[Attorney General Dustin McDaniel]]></category>
		<category><![CDATA[cease their lending practices]]></category>
		<category><![CDATA[Center for Responsible Lending]]></category>
		<category><![CDATA[Constitution of the State of Arkansas]]></category>
		<category><![CDATA[Consumer Loans]]></category>
		<category><![CDATA[Credit Sales]]></category>
		<category><![CDATA[et al.]]></category>
		<category><![CDATA[exorbitant interest rates]]></category>
		<category><![CDATA[Federal Reserve Discount Rate]]></category>
		<category><![CDATA[Jim DePriest]]></category>
		<category><![CDATA[Jim.Depriest@arkansasag.gov]]></category>
		<category><![CDATA[Luebbers v The Money Store]]></category>
		<category><![CDATA[No. 07-129 (AR S. Ct. Jan. 17]]></category>
		<category><![CDATA[No. 07-53 (AR S. Ct. Feb. 21]]></category>
		<category><![CDATA[Payday Lending]]></category>
		<category><![CDATA[Ron Bartels]]></category>
		<category><![CDATA[Section 13 of the Arkansas Constitution]]></category>
		<category><![CDATA[short term loans]]></category>
		<category><![CDATA[Staton v Arkansas Board of Collection Agencies and American Manufactures Mutual Insurance Company]]></category>
		<category><![CDATA[unconscionable trade practice]]></category>

		<guid isPermaLink="false">http://justicetimes.com/?p=154</guid>
		<description><![CDATA[Note by Ron Bartels:  Arkansas has some of the most aggressive consumer lending laws in the United States. McDaniel Demands Termination of Payday Lending in Arkansas Financial Justice &#8211; Consumer Justice LITTLE ROCK– Attorney General Dustin McDaniel announced today that he is sending letters to “payday lending” businesses operating under a license in Arkansas, asking them to stop the practice immediately. McDaniel defines “payday” lending as short term loans that charge interest in amounts that vastly exceed the usury limit imposed by the Constitution of the State of Arkansas. Based on the strength of two recent Arkansas Supreme Court opinions, McDaniel is advising payday lenders that charging exorbitant interest rates on these loans violates both the constitutional limit and the Arkansas Deceptive Trade Practices Act, a law enforced by the Attorney General. McDaniel demands that the payday lenders cease their lending practices immediately, void any and all current and past-due obligations of their borrowers, and refrain from any collection activities related to these type loans. A failure to do so will likely result in the filing of a lawsuit by the Attorney General. According to a 2005 study by the Center for Responsible Lending, it is estimated that payday lenders [...]]]></description>
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