Law for Real People - John Gear Law Office & Salem Consumer Law 503-569-7777

Don't Let Chase force you into arbitration if you have a dispute with them!

7/12/2019

A reporter for Kiplinger wrote a good article on arbitration and avoiding it in July 2019 -- available online:

https://www.kiplinger.com/article/credit/T016-C000-S002-how-to-opt-out-of-forced-arbitration.html

Remember, you have to act fast (by early August) and send Chase a regular, signed, snail-mail letter to keep them from forcing you out of court and into forced arbitration on many of their credit cards:

From the Kiplinger story:

Write a clear statement rejecting the arbitration agreement, and request a letter of acknowledgment from Chase. Include your name, account number, address and signature, too.

Send the letter by certified mail (so that you can prove Chase received it) to P.O. Box 15298, Wilmington, DE 19850-5298.

Customers who open a Chase card after the deadline can decline the arbitration clause, too.

Forced Arbitration: A Race To The Bottom

8/20/2018

nela-institute-report_forced-arbitration_a-race-to-the-bottom.pdf
File Size:	899 kb
File Type:	pdf

Building on our earlier Institute report by Prof. Imre Szalai of the Loyola College of Law, Forced Arbitration: A Race To The Bottom breaks down the “what, how, & why” of forced arbitration and reveals that at least 52 Fortune 100 companies use forced arbitration in their employment contracts. Of those, 30 also ban employees from joining any class, collective, or joint legal actions when wronged in the workplace—a number that is likely to increase in the wake of the U.S. Supreme Court’s recent decision in Epic Systems v. Lewis. The report also explores some of the state and federal legislative solutions that potentially are available to protect workers from this harmful practice.

By identifying which of America’s most powerful companies have imposed arbitration on employees, this report makes a unique and essential contribution to the public’s understanding of the magnitude of the threat forced arbitration poses to America’s workers.

(Download full report by clicking link to the left)

Three inspiring reminders in three minutes: Sometimes justice prevails, forced arbitration is a system for letting fraudsters hide their crimes, and class actions offer real benefits to people like you and your neighbors

7/30/2018

From Paul Bland of Public Justice:

There are a couple of things about this case, as explained in the video, that are striking.

First, the corporate behavior – a payday lender misleading customers, getting them into a cycle of debt, lying about its nature, abusing the law – is truly ugly. Nearly every American should hate this kind of behavior, and see why it’s important for the legal system to address it.

Second, the video explains how the civil justice system, and class actions, got real justice for the consumers: tens of millions of dollars in refunds to consumers, illegal debts wiped away, and peoples’ credit records fixed.

Third, the video focuses a great deal on Mr. Inetianbor, showing that the class action wasn’t just a lawyer-driven thing, but that the consumer played a huge role in protecting other consumers and working to fight this problem.

Finally, the video helps explain how vile a system forced arbitration is, and why the defendants’ efforts to use forced arbitration were a real scam.

Local Media REALITY CHECK -- great piece about forced arbitration

9/1/2014

WOW. This FOX affiliate's "Reality Check" is an amazingly good piece of local TV journalism. WELL WORTH A WATCH.

Please share the video at the link with as many people as you can. Until everyday people realize just how badly the justice system has been privatized, corrupted, and turned against us, the real people, businesses will keep getting away with using arbitration to cover up their crimes and they will continue pouring money into campaigns to lock in their unfair dispute resolution scheme, where they get to use the power of the courts against you, but not the other way around.

Popular outrage is the only antidote. We have to start defeating any candidate for federal office who won't make fixing this mess a top priority.

Federal judge appointed by GW Bush notes Emperor Arbitration's Nakedness

8/14/2014

"In a decision just two days ago, a federal judge appointed by George W. Bush felt compelled by U.S. Supreme Court decisions to enforce an arbitration clause even though the judge noted that

   (a) the court did not believe that the plaintiffs ever believed they were signing away their right to bring a lawsuit;

   (b) enforcing the clause would “undermine effective enforcement of federal antitrust laws”; and

   (c) enforcing the clause after the defendant first had decided to litigate in court was “inefficient and wasteful.”

The court concluded that in this area of law, “common sense plays no role.”

Here’s a blog post about the case, with link to the decision:

http://bit.ly/1pPBFJP

This is a true poster child of arbitration abuse, really highlighting just how unfair the law has gotten under the current U.S. Supreme Court’s decisions. If people will read this decision, they may well get a sense of just how out of whack the law has gotten in this area."

Something right happened in DC for a change

8/11/2014

Emily Bazelon's explanation of a recent Obama executive order is posted on Slate.
One expert put it this way:

"This is as clear and well-written an explanation as we're going to see of President Obama's Executive Order saying that corporations can't get federal contracts if they force their workers to submit to forced arbitration of civil rights claims. Emily Bazelon, a very widely read blogger, has done a terrific job of putting the executive order into context and explaining why it is so important.

"If there is one piece that everyone should read to understand this issue, this is it. If you have friends who don't understand why forced arbitration is a problem or don't realize that President Obama has actually done something really important, this is the best story I've seen to set it all out."

Arbitration clauses hurt you when you're investing too

7/15/2014

Private binding arbitration clauses don't just screw consumers and employees. They also hurt investors -- including the people who just have their pension and retirement savings in 401(k) plans or other retirement savings plans -- because private binding arbitration is how corporate managers prevent anyone from knowing how badly they are screwing up and mistreating people (customers, employees), which creates huge liabilities. If you're an investor, you should tell your companies to stop giving management cover for wasting investors' money -- tell them to stop using private binding arbitration clauses, so that you have a way to keep an eye on your money.

"Think about it. If American Apparel and Mr. Charney had been subject to public lawsuits, how long could have Mr. Charney lasted?"

Good local TV news expose on how arbitration clauses hurt real people

5/9/2014

A refreshing change of pace, a local news story that delves into the dirty background of how corporations use arbitration clauses to screw regular people.

Just when you think the corporate drive to avoid having to answer for wrongdoing can't get more insane or over the top

4/17/2014

When I first read about this, I was certain that I was reading a sly parody from "The Onion" or some other satirical publication. But then I found that the jokers behind this are deadly serious about it. In other words, General Mills has decided to promote itself to General LeMay and bomb the Constitution and your rights as an American to little super-sugarsaturated bits.

General Mills has granted itself a license to break the law. The owner of grocery staples including Trix, Cheerios, Betty Crocker, and Pillsbury, has quietly updated its terms of service to include a forced arbitration clause that eliminates its customers’ rights.

This means if you get salmonella poisoning from your Cinnamon Toast Crunch, you will not be able to hold General Mills accountable in court, and if you are cut by Old El Paso salsa that contains chunks of glass, your access to justice is denied. And yes, these were real things that happened last year!

Forced arbitration clauses allow corporations like General Mills to kick customers out of court and funnel them into an un-American dispute mill that is rigged, secretive and final -- and that denies you ANY ability to appeal, no matter how abusive the process.

If General Mills is not accountable, their customers are not safe.

Take action now! Write to Congress to urge them to protect their constituents from the abusive practice of forced arbitration!

And because we aim to help consumers around here, here's a helpful list of products you will want to avoid if you value your Constitutional rights as an American:

Betty Crocker
Good Earth
Muir Glen
Big G Cereals
Green Giant
Nature Valley
Bisquick
Haagen-Dazs
Old El Paso
Bugles
Hamburger Helper
Pillsbury
Cascadian Farm
Jus-Rol
Pillsbury Atta

Cheerios
Kix
Progresso
Chex
Knack & Back
Total
Cinnamon Toast Crunch
La Saltena
Totino's/Jeno's
Diablitos Underwood
Larabar
Trix
Fiber One
Latina
V. Pearl

Food Should Taste Good
Liberte
Wanchai Ferry
Frescarini
Lucky Charms
Wheaties
Fruit Snacks
Macaroni Grill
Yoplait
Gardetto's
Monsters
Yoplait France
Gold Medal
Mountain High

Finally a story that might get people's attention to help explain how and why mandatory arbitration = abomination when used against consumers and employees

4/8/2014

It's hard to get people to understand how they're being robbed and denied their rights when it happens without guns or violence.

But a lot of times, companies rip off customers and exploit their workers unfairly, and it's not until you try to do something about it that you find out that the company has built itself an "Accountability Shield" that does to the civil justice system what Kryptonite does to Superman -- allows the bad guys to escape the consequences of their wrongdoing, and leaves the good guys weakened or flat-out defeated.

Every story needs a hook to get and hold the reader's attention long enough for the message to be received. For a lot of guys, a story about hot young women being mistreated by their employer is a strong enough signal to get their attention, and then they can finally get the message. And, of course, young women, who are often mistreated horribly in the workplace, can understand that even the most superficially exciting jobs can really be terrible grinds -- made much worse by the arbitration clause that essentially lets the company get away with anything short of murder.

LAWYERLY FINE PRINT:

John Gear Law Office LLC and Salem Consumer Law; John@JohnGearLaw.com and SalemConsumerLaw.com. My office is in Suite 208B of the Security Building in downtown Salem at 161 High St. SE, across from the Elsinore Theater, a half-block south of Marion County Courthouse, just south of State Street. There is abundant, free 3-hour parking on my block and throughout downtown Salem, and three free parking multi-story parking ramps in downtown Salem as well.

I am only licensed to practice law in Oregon. This site may be considered advertising under Oregon State Bar rules. I don't give legal advice on this site; don't interpret anything you read here as intended for your particular situation. Besides, I'm not your attorney unless we have met in person and you have hired me by entering into a representation agreement with me. While I do want you to consider me when you seek an attorney, you should not hire any attorney based on brochures, websites, advertising, or other promotional materials. All original content on this site is Copyright John Gear, 2010-2019.

Photos used under Creative Commons from Tony Webster, brand0con, eirikso, Fibonacci Blue, Jirka Matousek, Rd. Vortex, rcbrazier - Brazier Creative, cogdogblog, marfis75, marcoverch, GWP Photography, byzantiumbooks, Mic V., notacrime, emrank, Family Art Studio, dotpolka, respres, Mark Cummins, a little tune, Insulinde, Bill Wards Brickpile, Roger Chang, AnthonyMendezVO, jonrawlinson, Andres Rueda, Franco Folini, inman news, Pictures by Ann, ph-stop, crabchick, Jilligan86, Elvert Barnes, p.Gordon, CarbonNYC, Digital Sextant, darkpatator, Neil T, rictic, Mr. Mystery, SeanC90, richardmasoner, www.metaphoricalplatypus.com, lindsayloveshermac, Santacreu, =Nahemoth=, ReinventedWheel, LadyDragonflyCC - On Vacation, See you all soon!, Mr. T in DC, Nisha A, markcbrennan, Celestine Chua, Furryscaly, smkybear, CarbonNYC, radioedit, Don Hankins, Henrik Hovhannisyan, CoreBurn, Mike Licht, NotionsCapital.com, David Masters, SeeMidTN.com (aka Brent), SoulRider.222, amboo who?, robwest, Rob Ellis', floeschie, Key Foster, TechCocktail, That Other Paper, marcoverch, oskay, Muffet, rodaniel, Alan Cleaver, Mike Licht, NotionsCapital.com, Horia Varlan, xJasonRogersx, billaday, BasicGov, One Way Stock, mikebaird, Nevado, shalf