Repossessions present multiple potential issues and claims for a consumer. The first inquiry is whether or not the consumer is in default on his/her obligation to the lender. This usually relates to missed payments or failure to maintain insurance coverage on the...
Consumer Protection
What I Am Doing and Happy 2023 to You!
As we prepare to say goodbye to yet another year I want to thank each of you for your support and inspiration. I am blessed to be heading into year 17 as owner of the O'Neal Law Office. In 2022 I was in Seattle and Phoenix and many places across North Carolina...
Your Six-Month Checkup
Happy first day of July and prelude to what is hopefully a long weekend for you. Time for your six-month checkup. Check your credit reports for accuracy: www.annualcreditreport.com Check deadlines on any potential claims or cases:...
Spring Thinking
Happy First Day After Spring on the Calendar! It does not feel quite like spring across part of the United States but temperatures look to warm as the week unfolds. I hope this message finds you healthy and well. Here are a few quick tips and do please share them with...
Robocalls? Live calls? Unwanted calls? Call an attorney!
All across the United States people have their phones disturbed with calls and texts from telemarketers and other persons/companies trying to sell goods and services. It seems these annoying calls come at the most inopportune times---when you are eating dinner, when...
Flashback: Debt Settlement Companies, Vehicle Maintenance, Free Cash? and More
Click here for a flashback to my Law and Life Newsletter which has since been replaced by this Blog. And definitely visit the North Carolina unclaimed property website to see if you have any unclaimed money/property. To search for unclaimed money/property in other...
Take The Wheel Before You Take The Wheel
We are now four months into the existence known as COVID-19. Many things have changed and we have had to learn to adapt. Nonetheless, many things must continue as people still need to work and need places to live and, in many cases, need transportation. When it comes...
Why I Am Busy (A Short Answer)
Well, the 4th of July weekend is over and most of us are back at work. Times right now have been busy for all of us in many different ways. I have been fortunate enough to remain busy helping consumers across North Carolina which is why I have not been in touch as...
Quick Check-In..Check Out These Links…
Good day to you. Hoping you and yours have been healthy and well. Been quite busy lately and it has been a while since I posted. Figured I would take a moment to share some quick links for you to review: Article on reviewing and understanding your credit report...
Consumer Rights Regarding Credit Reports
The country’s consumer watchdog agency, the Consumer Financial Protection Bureau, has a web article providing tips on reviewing your credit report and a list of contact information for many, many credit reporting agencies/bureaus/companies. A person’s credit report...