Should I buy trip insurance?

Posted by Clyde Hutchins | Feb 26, 2018 | 0 Comments

Should I buy trip insurance? Vacations are great. But they are also expensive. American Express did a study in 2013 that showed that the average per person cost of a vacation amounts to $1,145. For a family of four, that amounts to $4,580. And the cost has probably risen since that study was p...

What is mediation?

Posted by Clyde Hutchins | Dec 13, 2017 | 0 Comments

What is mediation? When someone becomes involved in a civil lawsuit, they often hear their attorney start talking about mediation. Mediation arises in almost every civil case. Yet, mediation is not always understood by the parties, and can sometimes even be confused with arbitration. I hope to e...

What is arbitration?

Posted by Clyde Hutchins | Dec 08, 2017 | 0 Comments

What is arbitration? Arbitration is becoming more and more prevalent in American society. If you are like most Americans, I bet that you are party to at least half a dozen arbitration agreements.

Preparing for Civil Litigation

Posted by Clyde Hutchins | Nov 21, 2017 | 0 Comments

After a decade and a half of legal practice, I have some interesting observations about the impact of civil litigation on the parties. From these observations, I have some recommendations to litigants on how to better handle litigation. Dont take it personally Approximately half of the people ...

Colorado company settles with Iowa Attorney General

Posted by Clyde Hutchins | Nov 20, 2017 | 0 Comments

As I reported earlier this year, the Iowa Attorney General filed a complaint against Osmosis, a Colorado-based maker of drinkable sunscreen. According to the Iowa Attorney Generals allegations, the company made claims that its water had been treated with a device that changes the electrical en...

What to do about unwanted marketing calls or robocalls?

Posted by Clyde Hutchins | Oct 25, 2017 | 0 Comments

What to do about unwanted marketing calls or robocalls? Americans are constantly harassed by telephone marketing calls, debt collection calls and other unwanted telephone calls. These unwanted calls led to passage of the Telephone Consumer Protection Act (TCPA) in 1991. At the time, Senator Holl...

What to do about the Equifax Data Breach?

Posted by Clyde Hutchins | Sep 30, 2017 | 0 Comments

There is a good chance that your most sensitive data was stolen from Equifax. 143 million people had their data accessed by hackers. You can check to see if your data was accessed. The breach occurred sometime in the May to July, 2017 time frame. It seems that Equifax will not send you a written ...

Consumers tricked into paying 2,000% more

Posted by Clyde Hutchins | Aug 14, 2017 | 0 Comments

The Federal Trade Commission (FTC) is suing a marketing scheme that tricked consumers into spending 2,000 percent of what they thought they had agreed to pay. In its complaint, the FTC alleges that a group of  According to the FTC, the defendants used a network of 78 companies, at least 87 w...

Substantiation goes for all products, including paint

Posted by Clyde Hutchins | Jul 12, 2017 | 0 Comments

I have written about the FTC's substantiation requirements with respect to supplements. The nature of supplements lends itself to exaggerated and false claims about their effectiveness. However, the substantiation requirements apply to other types of products too as seen by the FTC's recent actio...

CFPB's existence attacked by company it is suing

Posted by Clyde Hutchins | Apr 27, 2017 | 0 Comments

The constitutionality of the Consumer Financial Protection Bureau (CFPB) is being attacked in a case it brought against Ocwen. The CFPB and several attorneys general sued Ocwen in connection with its foreclosure and loan servicing activities. The CFPB claims that Ocwen failed to comply with ter...

Wyoming goes after transient pavers

Posted by Clyde Hutchins | Apr 06, 2017 | 0 Comments

Wyoming goes after transient pavers It looks like the Wyoming Attorney General's Office has been busy with transient pavers. Transient pavers are small asphalt paving operations that travel from county to county during the warmer months seeking small paving jobs. They usually are seen working on...

Top 10 Consumer Complaints in Colorado

Posted by Clyde Hutchins | Mar 23, 2017 | 0 Comments

Top 10 Consumer Complaints in Colorado It is that time of year again where the various state and federal consumer protection agencies review their 2016 statistics and report on consumer complaints and trends. The Colorado Attorney General reports the following top ten consumer complaints for 201...

Can you prove those claims?

Posted by Clyde Hutchins | Mar 16, 2017 | 0 Comments

Can you prove those claims? A Colorado company with a controversial product has been sued by the Iowa Attorney General's Office for consumer fraud. The complaint alleges that Osmosis, LLC and Harmonized Water, LLC deceived consumers by making the assertion that their products

Reform on the way at Equifax, Experian and TransUnion?

Posted by Clyde Hutchins | Mar 08, 2017 | 0 Comments

The Consumer Financial Protection Bureau's Report The Consumer Financial Protection Bureau (CFPB) recently released a report identifying problems with the big three consumer reporting companies (Equifax, Experian and TransUnion). The CFPB found several systemic problems at the companies and it h...

"Made in the USA" means it is made in the USA

Posted by Clyde Hutchins | Feb 09, 2017 | 0 Comments

When a company claims that its products are "Made in the USA," the products should really be made in the USA. The Federal Trade Commission (FTC) recently drove home this point in a case against a water filtration system distributor in Georgia. The FTC entered a settlement with the distributor ba...

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Harmony Law engages in litigation in Wyoming and Colorado. If you have a serious dispute or have been sued, feel free to call. (970) 488-1857 in Colorado or (307) 222-7888 in Wyoming.

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