The information contained on this web page and in the Consumer Blog is solely the opinion
of Ray Johnson. There are obviously others who disagree. You may be one of them. The Johnson Law Firm welcomes
you anyway.
Hall of Shame
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| Legal Assistant Aaron Johnson |
The Majority of the Credit Card Industry
--For late fees, over limit fees, default interest rates, universal default, etc. etc.
The "exploding credit card" has lead to the financial demise of many hard working families in Iowa and
throughout the U.S.
Congress
--For its failure
to do anything about "exploding credit cards." Campaign contributions speak far louder than the interests
of consumers.
Corporate Democrats in
the Iowa Legislature
--For killing off legislation to retain Iowa's protection
for consumers in credit transactions
The National Arbitration Forum and the American Arbitration
Association
--For administering arbitrations in a manner patently unfair to consumers.
Congress--Again
--For its failure to ban pre-dispute
mandatory consumer arbitration.
Corporte
Democrats in the Iowa Legislature--Again
--For failing to support consumer rights
legislation. Iowa is the only state in the U.S. without a private right to file suit under state laws prohibiting fraud
and deception.
Hall of Fame
Representative Eric Palmer
--For his work on consumer and tenant's rights legislation in Iowa and putting the
interests of Iowa consumers above filling his own campaign coffers with money from corporate interests opposed to the legislation.
Senator Joe Bolkcom
--For his work on legislation to end the
abusive practice of title pawn lending. Title pawns were loans with interest rates often exceeding 300%. High
rates of repossessions of vehicles, often from the working poor, jeopardized the borrower's ability to get to work
and to hold a job.
Representative Janet Petersen
--In addition
to taking the lead on the state wide smoking ban, when the Iowa Supreme Court recently ruled the Iowa Consumer Credit Code
does not protect consumers in cell phone contracts, Representative Petersen immediately went to work
and introduced legislation to incorporate cell phone contracts into the Credit Code, thereby protecting Iowa
consumers from being held hostage to early termination penalties--penalties sometimes as high $200 per line for a five
phone share talk line. It is refreshing to see a Representative who not only responds to the needs of Iowa consumers,
but who actually takes the initiative BEFORE consumer advocates come to her. Now that's what leadership is
all about!!
Senator Staci Appel
--For putting the lives
of Iowa Casino employees above powerful tobacco interests and fighting for removal of an exemption for Casinos from the proposed
smoking ban. Representative Appel also supports Consumer Rights Legislation.
