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

A suggested template for when you are fighting with a business on the phone

9/27/2014

A big problem for consumers is that the businesses that cause you problems are also the ones who wind up controlling all the contacts you have with them, and they like to do so in ways that make it hard for you to later prove that they told you A, B, or C when they claim to have told you X, Y, and Z.

Here's a suggested template for taking notes during and after phone calls with any business (a bank, a credit card servicer, a billing department, a mortgage lender, etc.). It's not a guarantee that you won't have problems, but it would sure help a lot if the company trying to screw you wasn't the only one with records of all your contacts.

1. On _________ (date) at about _________(time), (I called [company]/[company] called me) and I spoke with a representative of [company] who identified (him/her)self as __________________(name), ID number _____________. The number (I called/was called from) was __________________.

2. During the call, I expressed my concerns about account number _________________________ specifically concerning

a. (first concern) __________________

b. (second concern) __________________

(and so on -- as many different topics as you discuss)

3. About these concerns, ___________________ (company rep. name) told me that

a. (what they said) ___________________________

b. (what they said) ___________________________

(and so on -- as many different topics as you discuss)

4. (company rep. name) told me that :

a. (first one) I (should/must) do this: ___________________ no later than (time/date) _____________________

b. (second one) I (should/must) do this: ___________________
no later than (date) _________________________

etc.

5. I am sending you these call notes for your review and confirmation so that we may rely on them later.

Please review these notes and advise me immediately, by email to (address), with followup by US Mail to (address), if [company] believes there are any discrepancies between these notes and [company] call records.

Thank you,

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.

John Gear Law celebrates 4th Birthday - Thanks to you

9/1/2014

Today marks John Gear Law Office's fourth birthday.

I am very grateful to all the clients who have trusted me with their problems and given me the opportunity to help them find solutions. Thanks to your trust and confidence, I have been able to meet my primary practice goal: Making a modest living with a "values-based Oregon law practice" -- where "values-based" means I don't represent the folks trying to take advantage of others, my clients are the ones wronged by those who do.

It's not the easiest area of law and it's definitely not the most lucrative, but I think it's the most satisfying. As the Mrs. works towards her M. Div. and ordination as a minister, I am able to have a practice that reflects, rather than conflicts with, the values of a ministry.

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."

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.

Historian shows how our "textualist" Supreme Court happily throws the Constitutional text overboard to serve corporate "citizens" and steal the 7th Amendment Right to Jury Trial from real citizens

3/31/2014

By Paul Bland:

http://publicjustice.net/blog/important-new-book-proves-federal-arbitration-act-badly-distorted-by-supreme-court

This post examines a recently published book by an extraordinary law professor, Imre Szalai, who has gone back through the papers of the three men who drafted and lobbied for and pushed the Federal Arbitration Act. In painstaking historical detail, reviewing all sorts of primary materials, he establishes convincingly that the FAA was never intended to (a) apply to employment contracts at all; or (b) apply to take-it-or-leave-it contracts. This book is an important development in the historical scholarship on the Act, and demonstrates conclusively that the FAA has been distorted and mis-shaped by the U.S. Supreme Court in recent decades. The Act now covers millions of people and transactions that it was never intended to address.

The advocates of forced arbitration are literally on the wrong side of history – the Court’s decisions fly in the face of what the authors and supporters of this statute had intended.

Paul Bland
Senior Attorney, Public Justice
Of Counsel, Chavez & Gertler
On Twitter @PblandBland

A sad comment on the foreclosure "settlement" with the big banksters

2/28/2014

A consumer-rights leader and expert sends the following comment:

From http://ctblueblog.com/

Pam Martens covers all things Wall Street, and if you want to stay in a permanent state of despair about the country generally, and economic fairness specifically, you should read it religiously. She has been covering the Senate hearings on the foreclosure “settlement” and you won’t believe this:

http://is.gd/ilvmwP

Not to put too fine a point on it, it appears that the banks engineered a deal where they get to decide who they scammed, and then they get to call one dollar 500 dollars. (I wonder if I can repay my own mortgage using that kind of accounting?) For that matter, if they can find a million dollar mortgage out there they can convert a dollar into a thousand dollars. Plus, and why is this no surprise, they can get this rosy outcome by comforting the most comfortable among those they scammed (or decide that they scammed, and they are incentivized to decide they scammed the rich) while ignoring the most strained. What a great country.

Don't let Dropbox delete your 7th Amendment right to a jury of your peers!

2/21/2014

If you want to avoid having your 7th Amendment rights taken away by a corporation,
you’ll want to opt-out of Dropbox’s attempt to unilaterally impose arbitration on you:

The link is here - all you need to enter is your name by March 20:
https://www.dropbox.com/arbitration_optout

Great Editorial on Arbitration

1/22/2014

Tremendous editorial by the SF Chronicle.

A real breath of fresh air and truthtelling about the chains that pre-dispute arbitration clauses create. Funny, businesses love to spin about how great arbitration is, but they don't want you to be able to choose or decline it.

What is it that they know that makes them think that, if you have a choice, you won't choose arbitration?

Before you buy a car, download this app (Android or iPhone)

11/17/2013

The National Association of Consumer Advocates (NACA) offers consumers a great free tool to download and review before shopping for a motor vehicle. You can access the app on your desktop or laptop by going to www.USLemonLawLawyers.com. Or take it with you to the dealer's by downloading it from the Apple App Store or the Google Play Store (Android).

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, across from the Elsinore Theater, a half-block south of Marion County Courthouse, just south of State Street. There is abundant, free 3-hour on-street parking throughout downtown Salem, and three multi-story parking ramps that offer free customer parking in downtown Salem too.

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