Refund Anticipation Loans Always a Bad Idea

Steven J. Richardson | March 2, 2010

Tax time always engenders a blizzard of TV ads about various tax preparation companies offering to do your return and all the different services they offer.  While it is often a good idea to have a professional do it, not all of the services they offer are ones you should use.  The Refund Anticipation Loan [...]

Verizon’s Increased FiOS EFT May Violate Basic Contract Law

Steven J. Richardson | January 7, 2010

The Philadelphia Inquirer reported yesterday on Verizon’s plans to double the early termination fees (ETFs) to $360 on their TV and Internet services.  This fee diminishes by $15 for every month that the customer stays with Verizon.  As noted in the article:
“Verizon has seen Comcast Corp. and other cable companies stealing back FiOS TV and [...]

She’s Your “Girlfriend” Even If You Pay For It

Steven J. Richardson | December 14, 2009

Every once in a while, the law has a very good sense of irony, and a ruling recently by the New Jersey Appellate Division is certainly a good example.   New Jersey’s  Prevention of Domestic Violence Act creates a separate cause of action for assault when it occurs between two people in a “dating relationship.”  For [...]

Attorney-Client Privilege in the Workplace

Steven J. Richardson | July 22, 2009

On April 21, 2009, I posted an article about an unpublished New Jersey trial court opinion in the case of Stengart v. Loving Care Agency, Inc., in which the judge held that the attorney-client privilege can be waived not only for emails sent using the employer’s email program and computers, but also for emails sent [...]

Finally! Relief for Credit Card Users!

Steven J. Richardson | May 22, 2009

You have probably read, heard, or seen on the news about the U.S. Senate passing legislation to protect credit card holders from the predatory practices of banks.  For years consumers have had to deal with high interest rates, changes in rates with no reason or warning, universal default on all cards if you are late [...]