John Gear Law Office & Salem Consumer Law    503-569-7777
  • Welcome
  • Services Offered
  • Finding My Office
  • Law for Real People blog
  • Useful links

Don't Fall for the Anti-Lawsuit Propaganda - Lawsuits can be lifesavers

1/19/2021

0 Comments

 
There is a serious, well-funded push by many business organizations and chambers to demonize lawsuits and the lawyers who bring them. This is because a lot of lawsuits are brought against businesses who harm ordinary people -- and those are the businesses that make up these organizations and they hate the parts of the legal system that mean that a regular person can force a business to account and be responsible for harms it causes, no matter how much more power and money the business has.  They especially hate class actions because class actions are the only practical way for ordinary folks ripped off for small amounts of money can make the business answer for doing so.

The war on lawsuits and class actions, campaigns for immunity laws, and the relentless media propaganda against the jury system is fundamentally anti-American -- the Founders thought that access to the jury for civil trials was so important that it's the 7th Amendment to the Bill of Rights.

Nice to see someone doing a serious study that shows the other side of the story, about the lawsuits that protect us all.

The Center for Justice & Democracy at New York Law School (CJ&D) released today Lifesavers 2021: CJ&D’s Guide to Lawsuits that Protect Us All. The study describes over 125 lawsuits that have led to major safety improvements benefiting large numbers of people, spanning well over 50 years. According to co-author Emily Gottlieb, CJ&D’s Deputy Director for Law & Policy:

“Lifesavers shows how lawsuits serve an invaluable purpose by causing manufacturers, employers, polluters, hospitals, law enforcement and other entities to stop their dangerous or negligent behavior, and gives them the proper economic incentive to become more safe and responsible. These cases protect us all, whether or not we ever go to court.” 


Said co-author Joanne Doroshow, CJ&D Executive Director, “The report’s release coincides with several national crises: the COVID-19 pandemic, the rise of violent hate groups and the use of excessive force by some law enforcement. It shows how civil lawsuits have helped mitigate each one of these crises by holding wrongdoers legally and financially accountable. Its release also comes as a time when special interest lobbyists are pushing for legal immunity laws in states around the country. Lifesavers stands as irrefutable evidence that immunity laws are dangerous. Lawsuits save lives, and we as a society would suffer tremendously if our civil justice system were weakened in any significant respect.”


According to the report, “The study includes some cases recently brought against COVID-19 super-spreader establishments,” which led to safer workplaces. Other cases have resulted in “the redesign or recall of a product, a changed hospital procedure, safer law enforcement, a more secure public area, the bankruptcy of a hate group, the protection of sexually-abused children or a cleaner environment.” 


The study explains that when it comes to the recent rise of violent hate groups, “it is everyone’s hope that the criminal justice system will function properly to hold accountable those responsible for current violence and insurrection. However, it should be noted that in the past, more was needed than criminal prosecutions to weaken hate groups. Particularly in the 1980s and 1990s, civil lawsuits by hate crime victims were used effectively to bankrupt several white supremacists and Nazi organizations, while also directly responding to the financial needs of victims. These cases demonstrate that civil lawsuits can sometimes provide the only effective means to put dangerous hate groups out of business.”


Said Doroshow, “The civil justice system is one of the great achievements of American democracy and an important safeguard of freedom. Unlike other, weaker democracies which have abolished the civil jury, our system, thus far, has largely withstood the assaults. The jury’s roots are deeper here. The American colonists fought the Revolutionary War in significant part over England’s repeated attempts to restrict jury trials. Over the last 40 years, the civil justice system has been battered. But as Lifesavers shows, after 245 years and just as the nation’s founders had hoped, the system still works.”


A copy of the study can be found here: http://centerjd.org/content/lifesavers-2021

lifesavers2021f2.pdf
File Size: 1934 kb
File Type: pdf
Download File

0 Comments

Another Example of Why You Should NOT Sign Up for Paperless Billing

6/17/2019

0 Comments

 
Mark Twain once said that Congress was America's only native criminal class.

But that's because Twain didn't live to see today's national banking chains and financial institutions, which all make Congress look like a choir of saints.

The case below is yet another example of why you should NEVER accept "paperless billing" when dealing with a big bank or other institution, ESPECIALLY ON YOUR MORTGAGE, which is likely the biggest investment you have.

Without a paper bill that you can scrutinize at your leisure and show to other people, it's very unlikely that this scam would have been spotted.


The original case<https://f.datasrvr.com/fr1/219/92022/ocwen_first.pdf>
was filed in the Eastern District of New York in August of 2013. The fourth amended complaint<https://f.datasrvr.com/fr1/119/78019/ocwen_fourth.pdf> was filed in April of 2017, doubling the length of the original complaint.

Ocwen and several related companies were accused of a massive fake-check enrollment scheme. Ocwen, "America's largest subprime loan servicer," according to the most recent complaint, teamed up with co-defendant Cross Country Services Inc., which mailed millions of small ($2.50) checks to Ocwen customers. The checks were disguised as a refund or other remuneration related to the customer's Ocwen account.

The plaintiffs alleged that when the checks were cashed, Ocwen and Cross Country took the customer's endorsement as a sign-up for Cross Country's home warranty plans. Ocwen then added a line item charge to its bills for the Cross Country services, which usually went unnoticed by the customers when they sent in payment. Ocwen gave Cross Country the proceeds, and Cross Country, in turn, shared a percentage of the revenue with Ocwen.
0 Comments

Investors Need Class Actions Even More Than Consumers Do!

9/10/2018

0 Comments

 
A lot of people mistakenly think that only consumers and consumer attorneys use class actions.

NOT TRUE.

The biggest beneficiaries of class actions, on the whole, are investors, who have very little ability to police shady corporate managers unless they can band together (you know, as a class  . . . a class of investors in the company) to bring the management frauds to light.

Class actions are one of the major reasons an American can invest money in the stock market and sleep at night. Without them, our stock markets would look even more like better parlors staffed by pickpockets eager to relieve you of your life savings.

Paul Bland of Public Justice calls attention to an important story on this point:


Have you EVER met an investor who said "I voted hoping that the President would make it easier for scam artists to steal my life savings, the way it is in China?"  

I haven't, either.


The Washington Post story today shows how an unregulated securities market, without adequate government oversight, can harm investors.  It's a story about how a rapidly growing number of people in China have lost their life savings to Ponzi schemes.  

This post:  
https://bit.ly/2PCOEQKtraces how the proposals from some Trump SEC Commissioners to eliminate private securities fraud class actions would make it far more likely that Americans would be subject to the same kind of fraud that has been spreading in China.  It discusses how securities class actions have gotten important remedies in the U.S. for victims of Ponzi schemes in the past.  I hope that you'll read the blog post.

0 Comments

Local Media REALITY CHECK -- great piece about forced arbitration

9/1/2014

0 Comments

 
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.
0 Comments

Great video explanation of why you need robust class action rulesĀ 

5/18/2014

0 Comments

 
Picture
New head of Public Justice on a very misunderstood topic, one that the captive corporate press will never get right:

Media Matters . . . blogs videos and whatnot are incredibly well done and professional.  They simply do fantastic work.  They take important progressive issues and make them entertaining, and educate people and change minds.

Just today, they’ve released a video explaining why class action lawsuits are important, how they help workers and consumers, giving several examples.  I’m honored and excited to have been interviewed extensively in the video, although they’ve added in a lot of clever animation, music, motion, photos, news articles, etc., so it’s not just a talking head, it’s something aimed at reaching a broader audience.  

Here’s a link to the video:
http://publicjustice.net/content/executive-director-paul-bland-talks-media-matters-america-about-class-actions-and-justice


0 Comments

Great summary of why arbitration clauses in consumer contracts undermine the rule of law

11/28/2012

1 Comment

 
Picture
I got into a brief online discussion of the latest US Supreme Court Inc. decision upholding the "rights" of corporations (fictitious persons that are actually nothing but piles of property given certain permissions) to force consumers into arbitration.

I noted how odd that the folks who were all upset about the Affordable Care Act ("Obamacare") were paying no attention at all to Supreme Court Inc.'s far more radical steps into post-Constitutional law in the area of turning state governments into legal nothings. 

Essentially, since Justice Rehnquist, the main thrust of Supreme Court Inc. has been to dispense with states entirely and turn the US into a single, monolithic entity where corporations are free to to locate in and claim the legal protections of the most backward states, while using a pre-Depression statute, the Federal Arbitration Act, in ways that its authors and courts never imagined it would be twisted. 

Thus, since the 1970s, Supreme Court Inc. has moved to turn real people -- the ones whom the Founders who drafted the Constitution thought government was supposed to serve and protect -- into faceless non-entities who, in any conflict with corporations, should and almost always do lose. 

The apogee (so far) of the Court's decision to enshrine corporate power where the Bill of Rights used to be is the notorious Citizens United decision.  In Citizens United, the corporate power radicals on the Court, with no necessity to reach the issue, undid nearly a century of work to limit the sale of elections to the highest bidder.  And that was just one example of Supreme Court Inc.'s relentless push to endow property with Constitutional rights, even as those rights that are clearly written into the Constitution for protecting people from oppression -- like the 7th Amendment right to civil jury trials -- are turned into dead letters.

Astonishingly, the radical justices most enamored of this ever-expanding, federalism-destroying posture are the ones who like to call themselves "conservative."  (They also love to claim to follow the original intent of the Constitution's framers, regardless of their own personal preferences -- apparently the Founders loved corporate power much more than they thought they did!)  In the exchange, Prof. Peggy Radin of the University of Michigan Law School concisely summed it all up as follows:


      Yes: Arbitration clauses are a threat to federalism because they are ousting state law consumer protection, aggregative remedies, and much else.

     Arbitration clauses are also a threat to the common law itself, and therefore to common law adjudication and the power of common law judges. The more the power to decide disputes is transferred to nongovernmental private parties whose decisions are without any public record and without any precedential value, the more the common law system is undermined. There is no opportunity to know whether like cases are treated alike, and no opportunity to rely upon past decisions in planning future actions.

     Arbitration clauses are also a threat to the rule of law, because they are destroying the right to redress which must be part of a legal system that honors and enforces the rights that it is set up to establish and protect.  They are privatizing what must be public.  The opportunity to rely on public decisions that are precedential in order to plan future actions is also a requisite of the rule of law.  A regime of ad hoc decision making giving no notice to those who are subject to the law violates the rule of law.

     For the same reasons as above, mass market arbitration clauses make a mockery of equality before the law.


(Prof. Radin is the author of "Boilerplate: The Fine Print, Vanishing Rights, and the Rule of Law," in which these (and other) issues are discussed.)

1 Comment

As soon as you are done with voting and election work, send eBay an opt-out too -- Postmarked by Friday!

11/5/2012

0 Comments

 
Picture
In my haste to warn people about the malicious changes being imposed by PayPal to strip you of your rights under the law, I failed to notice that eBay is doing the same thing, and has an even tighter deadline for responding!  Read the prior post (below) and visit the story for the full details.  The punch line is here:   

If you want to opt out of eBay’s arbitration rules, you’ll need to send a similar letter

postmarked by Nov. 9, to:

eBay Inc.,
c/o National Registered Agents, Inc.,
2778 W. Shady Bend Lane,
Lehi, Utah 84043.

0 Comments

See for yourself what really happened with the notorious "McDonald's Hot Coffee" case

6/24/2011

0 Comments

 
Picture
UPDATE:
In case you missed last night’s premiere of HOT COFFEE, you can still catch this important film.

HBO and HBO2 are re-airing the film several times over the next few weeks (all times Central):

HBO:
  • June 30 (12:30 PM) Central time
  • July 2 (9:00 AM) Central time
  • July 5 (9:30 AM) Central time
  • July 10 (3:00 PM) Central time
  • July 12 (11:30 PM) Central time
HBO2:
  • June 29 (7:00 PM) Central time
  • July 16 (5:10 AM) Central time
  • July 25 (3:55 AM) Central time
  • July 28 (5:30 PM) Central time
"Hot Coffee" is also available on HBO’s on-demand service. And DVD copies of the film will be available in the fall.
==========================
Tune in for the HBO premiere of  Hot Coffee -- a documentary about the fictions and false alarms that threaten the civil justice system.
 
Former Public Justice Foundation President Susan Saladoff produced and directed the film as an article of faith and a labor of love. Years of hard work paid off for her when Hot Coffee was screened at this year's prestigious Sundance Film Festival.  Shortly after that, HBO optioned the film.
 
Hot Coffee is a compelling and provocative documentary that everyone will find enlightening.   For more information about Hot Coffee on HBO, click here.
 
To watch the trailer for the film, click here.  We are proud to claim Susan as one of our own.
 Arthur Bryant, Executive Director
Public Justice and the Public Justice Foundation
email: [email protected]   
voice: 202-797-8600
web: http://www.publicjustice.net

0 Comments

Looking for TV, phone, or Internet services in Oregon?

4/28/2011

1 Comment

 
Picture
     Telecom companies love to mousetrap the unwary with lots of tempting cheese (low teaser rates) and a nasty surprise (early cancellation fees that apply even when you have to cancel because they aren't living up to their bargain).    
     And now that the US Supreme Court, Inc., has followed its pro-corporate and anti-consumer, anti-real-people bias to its illogical yet perfectly consistent conclusion (in deciding recently that consumers can't band together to hold abusive companies accountable in collective arbitration), it's more important than ever that you, before you sign ANY contract with ANY company, take the time to understand (a) what you are buying; (b) what you are supposed to pay; (c) and what constitutional rights you are being forced to give up and what protections you are waiving so that the companies can abuse you at will without any fear of having to appear in front of a jury of real people and answer for their conduct. 
     To that end, if you are considering getting or renewing a contract for cell phone, cable or satellite TV, or Internet service, you should know about CUBConnects.org, a free service provided by Citizens Utility Board of Oregon (CUB).  
     The companies in this field are some of the worst bad actors imaginable, regularly winning polls of "Worst Company in the World."  They are fantastically profitable, providing a "service" with a marginal cost approaching zero, and yet they spend virtually nothing on training customer service representatives (CSRs) and they give them no authority to actually solve the problems that their absurdly complex rate tables and overlapping promotions and schemes create.  Worst of all, they use outrageous early cancellation fees as a club to keep you from telling them to stick their "service" in their ear when you realize how the bills you are getting have nothing to do with what you were promised on the phone or on your doorstep.
     My advice:
    1) Do not sign up with ANY of these companies over the phone or at your door. 
    2) Go to an in-store kiosk or a separate store to speak with a sales person.
    3) GET A WRITTEN OFFER from them -- what you are buying and how much it will cost.
    4) DO NOT SIGN IT until you take it home and READ IT with a highlighter in hand.  Highlight any penalties or early cancellation provisions that they've hidden in there (such as mandatory arbitration provisions).  Notice how the contract is all about letting them get away with anything, while limiting your ability to hold them accountable.
    5) IGNORE them when they tell you that the offer is "only good today" -- whatever they're pushing, if they don't want you to read their offer and compare it to other choices, you don't want it.
    6) Go to CUBConnects.org and compare you offer with the others out there, and read the blog and its warnings.
    7)  If you want me to look over their offer with you, feel free to give me a call and make an appointment; for $35 or less, I'll look over their offer, point out any red flags, and help you consider your options.

1 Comment

Comcast Customer? Did you pay a late fee between July 2003 and November 2010?

2/4/2011

0 Comments

 
If you did, you've got money coming, but you have to speak up here:
                To make a claim, customers can visit www.oregonlatefeesettlement.com.
0 Comments

    RSS Feed

    Author

    John Gear Law Office -
    Since 2010, a values-based Oregon law practice serving Oregon consumers, elders, employees, and nonprofits.

    Categories

    All
    Advertising
    All
    Arbitration
    Autofraud
    Bankruptcy
    Borrowing
    Class Actions
    Consumer Law
    Consumer Protection
    Consumer Protection Class Actions
    Credit
    Credit Reports
    Debt
    Debt Collection
    Elder Abuse
    Elders
    Employment
    End Of Life
    Fairness
    Fdcpa
    Foreclosures
    Fundraising
    Funeral
    Games Car Dealers Play
    Garnishments
    Great Stuff
    Health Care/Insurance
    Identity Theft
    I (heart) Liz Warren
    Insurance
    Lawyer Referral Service
    Legal Resources
    Lemon Law
    Life Planning
    Long-term Care Facilities
    Media
    Military
    Military Assistance Panel
    Modifications
    Mortgages
    N.A.O.
    Nonprofits
    Oregonadminrules
    OregonLaws.org
    Plain English
    Preparing For Departure
    Privacy
    Pro Bono
    Regulation
    Resources
    Right To Repair
    Safety
    Scam
    Scams
    Strategic Planning
    Student Loans
    Tort Reform
    Training
    Used Cars
    Veterans
    Wage Garnishment
    Wage Theft
    Warnings
    Warranties
    Watchdogs
    Workplace

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    April 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    April 2020
    March 2020
    February 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    January 2018
    December 2017
    November 2017
    October 2017
    September 2017
    August 2017
    July 2017
    June 2017
    May 2017
    April 2017
    March 2017
    February 2017
    January 2017
    December 2016
    November 2016
    October 2016
    September 2016
    August 2016
    July 2016
    June 2016
    May 2016
    April 2016
    March 2016
    February 2016
    January 2016
    December 2015
    November 2015
    October 2015
    September 2015
    August 2015
    July 2015
    June 2015
    May 2015
    April 2015
    March 2015
    February 2015
    December 2014
    November 2014
    October 2014
    September 2014
    August 2014
    July 2014
    June 2014
    May 2014
    April 2014
    March 2014
    February 2014
    January 2014
    December 2013
    November 2013
    October 2013
    September 2013
    August 2013
    July 2013
    June 2013
    May 2013
    April 2013
    March 2013
    February 2013
    January 2013
    December 2012
    November 2012
    October 2012
    September 2012
    August 2012
    July 2012
    June 2012
    May 2012
    April 2012
    March 2012
    February 2012
    January 2012
    December 2011
    November 2011
    October 2011
    September 2011
    August 2011
    July 2011
    June 2011
    May 2011
    April 2011
    March 2011
    February 2011
    January 2011

    RSS Feed

Picture

Lawyerly Fine Print:

John Gear Law Office LLC and Salem Consumer Law.  John Gear Law Office is in Suite 208B of the Security Building in downtown Salem at 161 High St. SE. That is right across High Street from the Elsinore Theater, a half-block south of Marion County Courthouse.

John Gear is only licensed to practice law in Oregon. This site may be considered advertising under Oregon State Bar rules. There is no legal advice on this site so do not take anything you read here as advice for your particular problem or situation. And I do not represent you and I am not your attorney unless you have hired me with a representation agreement. 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, 2010-2025.

Photos 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, Daniel Arauz, Fibonacci Blue, See-ming Lee (SML), BLW Photography, og2t // ou gee tew tee, mitchell haindfield, striatic, cafecredit, MarkC333, Neubie, NashvilleCorps, digitalbookmobile, mrmaccc, sunset_removals