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The last couple decades, it seems as though we’re being forced into mandatory arbitration agreements with every product and service we use. Whether it’s doctors, cell phone providers, or banks… pretty much everyone is forcing us to have our disputes handled by arbitration, waiving our rights to take a matter to court

Why It’s Unfair
Although arbitration saves big money for the business, it’s rarely fair to the consumer. Because the company is paying for the process (and often using the same arbitrators over and over) you can guess how the rulings usually go. Add in th

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Anybody is entitled to receive prescription medication at a discounted price regardless of their wages, age or pre-existing conditions. There is a modern prescription medicine discount card accessible to anybody that desires it, and it is free of charge! For too long, patients without healthcare insurance have been paying full retail prices for their prescription medication  but with this brand new plan they will immediately have an advocate on their side. Prescription Assistance Programs have been around for many years.

Rx Help began the plan to lower the expense of medication to those Americans with no health insurance. This has developed into a national program including cardholders in all 50 states. T

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Two new actions are in the works and are intended to further protect consumers from the big bad credit card companies. The first is an amendment to Regulation Z (Truth in Lending) proposed by the Federal Reserve Board that would ban several practices that continue to plague consumers and provide even more transparency in the disclosure of credit card account terms and conditions. Here are some of the things the proposed rule would do:

• Prohibit rate increases during the first year after an account is opened
• Prohibit increases on existing credit card balances
• Consent would be required before a lender charges a fee for exceeding the credit limit
• Limit the high fees associated with subprime credit cards
• Two-cycle billing methods would be prohibited
• Stop creditors from being able to apply payments to maximize interest charges.

The second legislative change has been proposed by Reps. Barney

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