

Florida Lemon Law Under the Florida Lemon Law, if your vehicle is a lemon, you are entitled to either your money back or a new replacement vehicle, in some instances the manufacturer may be required to pay your attorney fees. Manufacturers generally try very hard to avoid refunding your money or replacing your car. But, if your car is a lemon as defined in the Florida Lemon Law, you are entitled to a replacement car or a refund of the money you paid. However, the manufacturer will be entitled to a credit based upon the number of miles you drove the vehicle, so the sooner you resolve your claim the less will be deducted from your refund. Contact David Gruskin if you believe you purchased a lemon. Automobile Fraud In Florida most people rely on cars for transportation and other than their homes cars are their largest expenditures. Huge sums of money are spent to purchase, finance, repair and maintain automobiles. Unfortunately, problems regarding these issues always rank at the top of lists of consumer complaints. Please feel free to contact David Gruskin if you believe you have been a victim of fraud or unfair dealing involving these matters. Credit Reporting Problems One national study found that almost one half of credit reports contain errors and that over one fourth of the credit reports contained errors serious enough to result in a denial of credit. You are entitled to obtain a free credit report from each of the three major credit bureaus. You may obtain your credit reports from annualcreditreport.com. It is extremely important to check your credit reports at least once a year for many reasons such as to make sure they do not contain errors, that you are not a victim of identity theft and that someone else's information has not been mixed up with the information contained in your report. Under federal law the credit bureaus and the creditors have a duty to correct inaccurate information. There are some simple steps you can take to try and correct the incorrect information. If the information is not corrected you may be able to file a lawsuit for damages, costs and attorney's fees. If you need help in correcting errors on your credit report contact David Gruskin Debt Collection Disputes Debt collectors are governed by both Florida and Federal law. These laws were enacted to protect consumers from harassing, abusive, and deceptive collection practices. If you are a victim of collection abuse you should: 1. Save copies of all letters and notices from collection agencies. 2. Keep a detailed log of all calls from collectors. 3. Save all phone messages and voice mails. |



| Gruskin & LaBerge, P.A. Attorneys at Law 2719 1st Avenue N., St. Petersburg, FL 33713 Telephone: (727) 321-1918 Fax: (727) 321-2839 |
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| Consumer Law |