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      30 Nov 2011

      Important Information about your Texas Vehicle Title

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      The Texas Department of Motor Vehicles has an informative pamphlet titled “Your vehicle title needs maintenance, too.”  The pdf version of this pamphlet is downloadable.

       

      Some of the information provided:

       

      1. You can sign up for an email reminder that will come to you when it is time to renew your vehicle registration at www.TxDMV.gov
      2. When transferring a car in a private sale, it is best for the buyer and seller to go to the DMV together and transfer the title.
      3. As prior owner of the vehicle, you can file a Vehicle Transfer Notification when you sell, donate, trade-in, or give your vehicle to someone as a gift. This will remove you as legal owner and protect you from liability associated with use of the vehicle. Do this within 30 days.
      4. Forms for vehicle transfer are found on the Texas DMV website
      5. You can keep your license plates. Be sure to remove the windshield registration and don’t forget to take your EZ tag if you have one.
      6. Buyers should make sure they are getting a clean title and that the vehicle gets titled in their name. Buyer has 20 days to apply for a new title without being charged a penalty.
      7. A temporary vehicle transmit permit can be downloaded from the website if the seller took the license plates.
      8. The website also contains information about title checks, lemon law, and other consumer information.

       

      Kalish Law Office 281-363-3700 www.kalishlawtexas.com 

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      7 Nov 2011

      Dispute Errors on Your Credit Report

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      You can dispute credit report errors, on your own and you usually don’t need an attorney to do it. 

      The first thing that you need to do is to determine whether errors or omissions exist on your report, and if so, what they are. An “error” is false information and an “omission” is something which is not on your report that you wish were on it.  (such as showing a debt that you paid off or other favorable information).

       

      You can get one credit report free every year, from each of the major credit reporting companies.  (you also are entitled to a free report if a company denies an application or denies you a job based on information in your credit report.),  The three major credit reporting agencies are Equifax, Experian, and TransUnion, and you can access all three of them online.

       

      Once you have your report in hand, you should go over it carefully. Note the errors. You will need to gather any documents that support your position and make copies of them.  There may be blatant errors and inaccuracies on the report, debts you dispute, or erroneous information (for instance, your ex-spouse’s present address may be listed as one of yours when you never lived there).

       

      Write to the reporting agency to specify what you are disputing, or want added or changed.  Follow up to be sure that you receive a reply, and compare the results to the request you made, and to your previous report.

       

      Additional Advice: When you have a disputed charge, or settle a dispute with a company, you should keep proof in a file because you may have to correct your credit report much later (even years later).   

      The Federal Trade Commission website has more detailed information about this, as well as a sample dispute letter. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

        

      www.kalishlawtexas.com

      “Passionate, Professional and Personal. We Make the Difference.” Since 1984

      Serving Spring, The Woodlands, Conroe, Houston, Cypress, Waller County and Surrounding areas

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      5 Aug 2010

      Where can you Report Internet Fraud? Kalish Law Texas Blog

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      Unfortunately, Internet scams are getting more sophisticated.   The scammers have moved from sending out mass emails to actually doing some research about their target groups.

      The Internet Crime Complaint Center (“IC3”) is a partnership between the FBI and the National White Collar Crime Center.  The IC3 investigates reports, does research and partners with other law enforcement and regulatory agencies. http://www.ic3.gov/default.aspx

       

      The website also has information available on the most common Internet crimes.

      According to the site, the top 7 most common Internet scams are:

                  Charity

                  Counterfeit Cashiers’ Check

                  Foreign Lotteries

                  Investment

                  Mortgage

                  Romance

                  Telemarketing

       

      You can protect yourself by being skeptical. Never give out personal information to someone you don’t know. Don’t deposit a check into your account from someone that you don’t know.  If you suspect that you may be a victim of identity theft, do damage control right away by notifying your banks, credit card companies, and other businesses or websites where someone can benefit by masquerading as you.

       

      Check out http://LooksTooGoodToBeTrue.com for more information.  This site contains information and warnings about the latest scams, such as one in which the email appears to have been sent from the FBI.

       

       

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  • KalishLawTexas' legal blog The Woodlands

    The Kalish Law Office is located at 26009 Budde Rd, Ste A-100 in Spring - The Woodlands, Texas, north of Houston. Divorce, child custody and support, adoption, family law, real estate, wills/estate planning, and business law. Tenemos una abogada que habla espanol directamente con usted. "Passionate, Professional and Personal. We Make the Difference." Since 1984 BE SURE TO CHECK OUT OUR MAIN WEBSITE AT kalishlawtexas.com!

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