Federal + state consumer protection statutes explained plainly
Fifteen years in the Army taught me that most casualties happen not because people are stupid, but because nobody briefed them on the terrain. I spent my career after retirement on the dealer sales floor — salesperson, then desk, then sales manager — and I watched the same eight things happen to first-time buyers over…
I spent fifteen years in the Army before I retired as a Sergeant First Class in 2016, and then I spent years on the dealer side of the desk — sales floor all the way up to sales manager. Here’s something I learned along the way: the single most valuable financial protection a servicemember has…
I spent fifteen years in the Army as an all-source intelligence analyst, and another stretch after that working the sales floor at dealerships — from greeting customers on the lot all the way up to sales manager. I never worked the F&I office, but I sat close enough to it to watch a lot of…
I spent years on the sales floor, and here’s a conversation I had more times than I can count: a buyer calls the store the morning after taking delivery and says, “I changed my mind. I have three days to cancel, right?” And I had to be the one to tell them — no, you…
I spent fifteen years in Army intelligence learning that most bad outcomes come from bad assumptions, not bad luck. Then I spent years on a dealership sales floor watching buyers make the same assumption over and over: that the “As Is — No Dealer Warranty” box on the Buyers Guide means the dealer can do…
I spent years on the dealer side of the desk — sales floor to sales manager — and before that, twenty-plus years in the Army as an all-source intelligence analyst. Both jobs taught me the same lesson: most bad outcomes trace back to paperwork nobody read. Yo-yo financing is the perfect example. You drive off…
You signed the paperwork, drove home, and somewhere around page four of the retail installment contract you spotted it: a $2,000 line item for GAP coverage you never asked for and don’t remember discussing. First things first — you’re not stuck. I spent years on the dealer side, from the sales floor up to sales…
AS IS waives the implied warranty of merchantability under UCC § 11-2-316. But NOT written promises, FBPA fraud, title-brand disclosure, or federal Buyers Guide requirements.
Under Mabry v. State Farm (2001), Georgia is one of the strongest states for third-party diminished value claims. Typical 10-25% of pre-accident value. 4-year statute of limitations.
Georgia’s Lemon Law protects buyers of new/leased/demo vehicles under 24 months / 24,000 miles — but only if they hit the 28-day final attempt window, prove 3 repair attempts for the same nonconformity (or 1 for a serious safety defect), and file arbitration within 1 year of the rights period expiring. Miss any deadline, lose the whole claim.
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