Watchdog Video Tip of the Day: Fight a debt collection company

A debt collection company calls and threatens to have a debtor arrested and thrown in jail.

That’s not legal and The Dallas Morning News Watchdog columnist Dave Lieber tells you what to do.

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute.

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Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

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Bam

The Watchdog columnist

Texans need front license plate – or face $200 fine

Here I am, The Watchdog, solving the mystery of the Texas front license plate.

Texans need a front license plate by Dave Lieber, Watchdog columnist of Dallas Morning News

If your vehicle doesn’t have a front license plate, or a rear one for that matter, as of September 1, 2013, you’re looking at a $200 fine. 

Which leads to another amazing discovery I made while solving the mystery of the front license plate. (More news coming!) For the past two years, until Sept. 1, 2013, any motorist in the state of Texas who was stopped for not having a front or rear Texas license plate could not be fined. That’s right. Not be fined.

Legislators in 2011 accidentally removed the punishment portion of the license plate law. (Uh-oh.) The law was on the books, but the fine was inadvertently deleted. (Embarrassing.) That made traffic cops much less likely to make stops for a missing front plate. They could write tickets with no fine. (Where’s the fun in that?)

In Texas, a law enforcement officer is allowed to stop any vehicle if a front or rear license plate is missing. It’s the same as an officer making a stop when a driver runs a stop sign, makes an improper lane change or, everybody’s favorite, drives too slow.

As readers of The Dallas Morning News Dave Lieber Watchdog column first learned, now, with the punishment tacked back on to the law, the fine for a missing front or rear plate is specifically set at no more than $200.

The mystery of the front plates in Texas came up when I mentioned it in a recent Watchdog report that the license plate law is a personal pet peeve. If Texas requires a front plate, why is the law rarely enforced? The result is a lot of cars without front plates. How come they get away with it? Either enforce the law or dump it.

I see it as a safety tool that helps eyewitnesses and law enforcement identify the bad guys. Front plates double the chance for a clear ID of, say, a hit-and-run driver, a child molester or a killer.

Drivers, including Corvette and Prius owners whose cars don’t come with ready-made front license plate brackets, tell me they are concerned. Hey, nobody wants to drill holes in their beauty’s front hood.

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One reader suggested, “Instead of forcing the law, why not eliminate front plates? Lots of states do not require front plates. The extra plate costs the state money. Put the savings in the highway fund.”

Another: “I think if cops would include checking stickers and license plates to the list when they pull someone over it would start to force more people to get current. Right now cops only ask for driver’s license and insurance.”

Car and truck owners without front plates may now be rushing out to Pep Boys for brackets. Or they could be running to their favorite auto parts website for the right make and model number. Yep, it’s my personal pet peeve, but please don’t blame me.

Who then? I looked up the recorded vote this year for House Bill 625, author, Rep. Linda Harper-Brown, R-Irving. The state Senate voted 31-0 for the new law; the House voted 139-4.

I talked to representatives of the San Antonio and Houston police departments who lobbied for it. Summarizing, they said both front and rear plates make it easier and safer for police to do their jobs.

With a money fine back in the law, San Antonio police Sgt. James Jones says he expects more officers to make no-front-plate stops.

“That would be enough to pull somebody over,” he said. “That is a traffic violation.” Officers will check for driver’s license, insurance and any outstanding warrants, he says.

I understand there are people across Texas who will not believe this is happening, people who’ve driven without front plates for years, and yeah, the Corvette and Prius owners.

There’s a bit of urban folklore about front plates in Texas. Considering the bungling in state law that was corrected, that’s no surprise. But let there be no doubt. The law is clear.

As of Sept. 1, 2013, it is required that all registered vehicles, including commercial vehicles, must display both front and rear plates.

“An offense under this section is a misdemeanor punishable by a fine not to exceed $200.”

Let the drilling begin.

Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

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Watchdog Video Tip of the Day: Somebody stole your mail?

Somebody stole your mail? Who do you report the crime to?

The Dallas Morning News Watchdog columnist Dave Lieber has the answer. 

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute.

See more Watchdog tips at The Dallas Morning News Watchdog Desk here.

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Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Bam

 

The Watchdog mystery shops a Dallas congressional office

This could have been a Watchdog report about how a congressman’s office messed up. If that were true, nobody would be surprised. But it’s not.

Life in this low-rated 113th Congress is apparently so difficult for all involved that when I told the congressional office that this was a positive story, at first, they didn’t believe me.

Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

It begins when I hear a complaint from Kala King of Garland. Her 80-year-old mother breaks her hip and receives physical therapy through home health care. The agency providing PT charges $1,200 for six sessions. But Medicare pays $2,083.

“Medicare paid nearly twice the amount that the agency billed the claim for,” King tells me.

Believing it’s a computer error, King calls Medicare to let them know they paid too much. What she hears surprises her. The Medicare representative tells her that there’s a standard amount of payment for such a service, and the system automatically pays that amount no matter the actual billing amount, even if it’s higher.

“This makes no sense to me,” King says. “It’s not cost-efficient. It just seems crazy to me and a waste of money. What am I missing here?”

Kayla King

Kala King

King says she contacted her congressman, Rep. Pete Sessions, R-Dallas, but she never received an answer. Instead, she says, she starts receiving Sessions’ newsletter.

News of this kind aggravates The Watchdog. When you contact elected officials, The Watchdog believes, they should respond in a timely and accurate manner.

But when King tells me she contacted Sessions through his website, I realize that’s the problem. Website communication with any government agency is often a big fail. Nothing works better, I believe, than a phone call or, even better, an actual office visit. Give a face and name to a problem. I suggest to King that she get in touch with a Sessions caseworker in person.

As readers of The Dallas Morning News Dave Lieber Watchdog column first learned, I decide to follow this journey. This is like mystery shopping a government office, similar to the way major companies send secret shoppers into their retail stores to see how shoppers are treated. Can King get a straight answer? If she can’t, you’ll know in another negative story about the 113th Congress that will surprise nobody.

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Sessions caseworker Jennifer Lang of the Dallas office is assigned the case. She is the Medicare and Social Security specialist. It takes several weeks of back and forth with the Centers for Medicare & Medicaid Services, but Lang gets an explanation. She tells King. King tells me. Now I’ll tell you.

Jennifer Lang

Jennifer Lang

Medicare uses something called a “prospective payment system” to make these payments. The services involving home health agency visits are bundled. So even though the only service King’s mother receives is physical therapy, it’s bundled with other services such as nursing, occupational therapy and speech-language therapy that she does not receive.

A Medicare official tells the congressman’s caseworker that sometimes the billing amount comes in low and, as happened with King’s mother, the payment is higher. Other times, the billing amount is high, but bill payment is lower. Either way, the Medicare official explains, they cancel each other out. Really?

The Medicare official explains that this system is better than the old system, which paid per visit. The problem was that service agencies had a financial incentive to make more visits, even if the visits were unnecessary, so they could make more money. The new system is supposed to cut back on that kind of abuse by creating standard payment amounts. At least, that’s the logic.

King isn’t pleased with the answer. She believes, frankly, that it’s dumb to overpay. Why not simply pay the billed amount, whatever it is, rather than a fixed charge? Why not cap the amount? Why not depend on a doctor’s letter to determine what’s needed? Those are King’s ideas.

But Medicare makes the rules.

What I like is that King gets her answer in detail. This is what the Founding Fathers imagined when they created a U.S. House. Hundreds of representatives from small districts across the nation, running for election every two years, accountable to the people. We all know it often doesn’t work that way.

Medicare announced in June that it’s changing some of its payment rules next year. Medicare payouts to home health agencies are about $18 billion a year. The changes will save about $290 million. That’s a drop in the bucket. At least it’s something.

I wanted to tell you about Kala King, the asker of questions, and Jennifer Lang, the answerer, because this is the way representative democracy is supposed to work.

“I figured if this happens in our bill, it happens in lots of bills,” King says. “And if you multiply it across the United States, I figure it’s a very large waste of money.”

Lang says, “We understand that sometimes it’s hard for consumers to deal with government agencies…. I was just doing my job.”

Too bad that alone is today’s world is enough to muster special attention.

U.S. Rep Pete Sessions

U.S. Rep Pete Sessions

Here’s an alert to all federal, state, county, local and school district officials: You never know when a constituent asking you for help is actually a mystery shopper for The Watchdog. I’ll be doing this again. And again.

Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Watchdog Video Tip of the Day: How to battle your government

When you want to battle your government on a big issue, The Dallas Morning News Watchdog columnist Dave Lieber shows you how to use social media.

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute. Read more Watchdog reports at DallasNews.com/watchdog.

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Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Twitter @DaveLieber

Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Bam

The Watchdog: Is this the worst electricity company in Texas?

The worst electricity company in Texas.

That’s what state regulators are calling Proton Energy of Fort Worth. They say Proton, which serves homes and businesses, botched almost everything that an electric company must do.

electric company

The Public Utility Commission of Texas wants to shut down Proton — the second time it has tried to close the 4-year-old company. The PUC also wants to fine the company $2 million. PUC investigators say they can prove that Proton committed at least a thousand violations. That’s a lot of mistakes, even for an electric company.

Proton’s lawyer says that the company is correcting mistakes and that state regulators are too aggressive.

It’s no secret that in the decade since electricity was deregulated in Texas, there have been good companies and bad companies. But Proton may be in a class by itself. For one thing, the address for its corporate headquarters, state records show, is a Shell gasoline station at the corner of Jacksboro Highway and North University Drive. Station owner Ramzan R. Ali is also president of Proton, which by my estimate has more than a thousand customers spread from North Texas to Houston.

Customer service calls are handled elsewhere, but one commenter on TexasElectricityRatings.com writes, “They are unfriendly over the phone. They are unprofessional. Every time I call, it seems like they are running this so-called operation from an apartment.”

As readers of The Dallas Morning News Dave Lieber Watchdog column first learned, Ali runs a company that if not deceptive in its marketing is confusing. An electricity shopper on the Internet who arrives at Proton’s website sees what is probably the lowest variable rate offered anywhere in the state — 5.8 cents a kilowatt-hour. But check the fine print details on the Electricity Facts Label, and the true cost could be as much as a nickel higher.

There’s no Electricity Facts Label on the website, as required, for the company’s second option, its three-month fixed-rate plan. And embarrassingly, on the website’s home page, the universal abbreviation for kilowatt-hour — kWh — is wrongly displayed as kwH.

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Here’s the PUC’s case against the company. At least 407 times, the PUC charges, Proton disconnected customers for nonpayment of their bills without giving them proper notice. Twenty-nine of those disconnects came during extreme weather (too hot, too cold), making them doubly illegal.

Proton officials prevented at least 288 customers from obtaining electricity elsewhere after they left Proton by inaccurately listing them as switch-holds. In a switch-hold, a customer owes money to a company and can’t switch to another company until the debt is paid and the hold is lifted. The PUC says the customers didn’t owe Proton money, but the average time people were wrongly kept on switch-holds was 317 days anyway.

When asked about this, Proton provided the PUC with false and misleading information, the PUC states in its petition to revoke the company’s license.

Proton charged 200 customers sign-up fees ranging from $75 to $100, illegal in Texas. The PUC said Proton ignored PUC inquiries on some customer complaints, failed to file a required semiannual report, didn’t translate its marketing materials into Spanish, didn’t make its terms of service available on its website, failed to provide a toll-free number and didn’t include a way for new customers to leave their names and addresses on its website.

There’s more, according to the PUC. Proton listed the termination fee for its variable month-to-month plan at $1,000. There’s usually no termination fee for that.

The company kept billing customers even when they had moved to another electric company, sent multiple bills to the same customer in a single month and charged a $2 fee for those who sent their monthly payments via the U.S. mail.

Proton’s bills sometimes left off dates, dollar amounts owed and meter readings. In a written complaint, one customer told the PUC, “The bill is just a hand-typed email with very little information on the energy I used.”

Proton’s monthly bills failed to inform customers about the state-run shopping site for electricity customers — PowerToChoose.org. No surprise there. Proton, unlike most Texas companies, doesn’t participate on the heavily trafficked site.

Ali, the owner, referred my questions to the company’s hired attorney, Bob Rima, who previously worked as the PUC’s general counsel.

Rima said he couldn’t answer specifics because the PUC’s charges do not include actual cases but generalities.

“Proton is not perfect,” he said. “Its inadvertent mistakes are no different than the mistakes made by” others. “Proton has diligently tried to correct all mistakes.”

The lawyer called the PUC’s action “an aggressive and inflammatory stance.” He said that in a future hearing, which he will seek, he doesn’t believe his former colleagues at the PUC can meet the required burden of proof on the more serious charges.

Two years ago, Ali paid a $10,000 fine to the PUC for failing to provide sufficient information about the company’s finances and its technical and managerial qualifications.

Ali’s latest problems were first reported by R.A. Dyer, a policy analyst for the Texas Coalition for Affordable Power, on that group’s website. Ali released a written statement to Dyer, according to the website, stating that Proton tries to treat customers fairly. However, a small minority of its customers behave like thieves, Ali wrote, “so my job is to make sure good customers should not suffer.”

Dyer tells The Watchdog, “If these allegations are true, this company is a serial rules violator and should be barred from operating in Texas.”

PUC complaint records show some customers agree.

“They are difficult to work with, are not helpful and have not told the truth,” one writes.

“It seems like they will tell me and others whatever they want and change their story to get you off the phone and not help resolve any issue,” another writes to the PUC. “How can you allow Proton … to take our money, then … [cheat] us the consumer, and allow them to stay in business?”

Staff writer Marina Trahan Martinez contributed to this report.

Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Watchdog Video Tip of the Day: Leave roadside memorials alone

Somebody wants to take down roadside memorials, but should they? The Dallas Morning News Watchdog columnist  Dave Lieber has a few suggestions about what to do.

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute.

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Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

Visit Watchdog Nation Headquarters

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Twitter @DaveLieber

Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Bam

The Watchdog: Texas bankruptcy judge fines Ally Financial

The opinions of Texas bankruptcy judges aren’t usually important to anyone other than anxious debtors and long-faced creditors. But a recent ruling by a federal judge in Dallas deserves wider attention.

U.S. Bankruptcy Judge Stacey G.C. Jernigan writes in plain language that she believes Ally Financial Inc., the nation’s top auto finance company, violated federal bankruptcy rules designed to protect debtors.

As readers of The Dallas Morning News Dave Lieber Watchdog column first learned, she accuses the lender of improperly harassing debtors who’ve filed bankruptcy to get them to pay off a debt they no longer owe. After seeing evidence and hearing testimony, she concludes that Ally routinely sent form letters designed to confuse debtors in the hope of picking up extra monthly payments.

The judge cites testimony from an Ally official that the company has sent these improper letters for five years. She questions the company’s “ulterior motive” and states she believes the process is designed to force people into paying when they shouldn’t — a practice she calls “unacceptable.”

The judge can’t do anything outside her jurisdiction, but she prohibits Ally from sending these letters to anyone living in the court’s Northern District of Texas.

jernigan

Bankruptcy Judge Stacey Jernigan

She also orders Ally to pay the recipient of the letter $11,000.

The judge declined to talk to me for this Watchdog report.

ally

Ally spokeswoman Susan Fitzpatrick offers limited comment to The Watchdog: “While Ally disagrees with some of the language in the ruling, we respect the court’s decision and have paid the damage award to the plaintiff. It is important to note that Ally’s process complies with all bankruptcy requirements.”

Ally slipped past Toyota Motor Credit Corp. this year to become the nation’s top auto lender. The company edged Toyota by only one-tenth of a percent with $67 billion in outstanding loans and leases, according to AutoFinanceNews.net.

The bankruptcy case involves a Balch Springs woman’s filing that included a Silverado truck, actually in the possession of the woman’s estranged husband.

Ally was notified of the bankruptcy and the company was listed as a creditor. But two months after the 2013 filing, Ally sent Tequilla Marie Law a letter with the words “AMOUNT NOW DUE” and “LAST DAY FOR PAYMENT” on the account.

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“You are late in making your payment(s),” it warned. The amount cited as owed was $6,000 (although the actual balance was $12,000).

The unsigned letter from Ally acknowledges her bankruptcy but warns she should pay or “we may take the vehicle.”

The letter’s warning language, the judge writes, is “subtle and troubling.”

“The court is left with the uncomfortable concern for how many other debtors have received similar letters and sent in payments to Ally, thinking they better do it to avoid trouble with Ally …

“This may have been the precise business strategy of Ally,” the judge writes. “Send the letter and maybe the debtor will send in a payment.”

While some sophisticated debtors would understand they do not have to pay, most would get confused by bankruptcy terms and “legal nuance,” the judge writes.

Aside from paying damages, Ally was ordered by the judge to pay legal fees to the winning lawyer, John J. Grieger Jr. of Legal Aid of NorthWest Texas in Dallas.

No one from Ally testified on behalf of the company at one hearing, causing a scolding from the judge. When the judge demanded to know more, Ally responded in writing that the letters go to “every debtor” who has completed bankruptcy, who has an account more than 50 days past due, and who is not in possession of their vehicle.

In follow-up testimony, an Ally official said use of the letters began in 2008. That’s what the judge had feared, and that’s what she tries to stop in her ruling, at least in North Texas.

“Hopefully,” the judge writes, “this will serve as a cautionary tale.”

Staff writer Marina Trahan Martinez contributed to this report.

Follow Dave Lieber on Twitter at @Dave Lieber.

Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Watchdog Video Tip of the Day: Deal with a bad landlord

What do you do when you have a shoddy landlord?

The Dallas Morning News Watchdog columnist Dave Lieber has a solution.

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute. Learn more about how to protect yourself at The Watchdog page at the Dallas Morning News.

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Dave Lieber's Watchdog Nation won a 2013 writing award from the National Society of Newspaper Columnists

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

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Watchdog Video Tip of the Day: How to get open records

When a governmental body won’t share information you’re entitled to, what do you do?

Learn how to get open records from The Dallas Morning News Watchdog Desk administrator Marina Trahan Martinez.

Read more Watchdog reports designed to save you time, money and aggravation at The Watchdog Page.

The Watchdog Video Tip of the Day, produced by DallasNews.com, is designed to solve a problem in less than a minute.

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Are you tired of fighting the bank, the credit card company, the electric company and the phone company? They can be worse than scammers the way they treat customers. A popular book, Dave Lieber’s Watchdog Nation: Bite Back When Businesses and Scammers Do You Wrong, shows you how to fight back — and win! The book is available at WatchdogNation.com as a hardcover, CD audio book, e-book and hey, what else do you need? The author is The Watchdog columnist for The Dallas Morning News. Visit our store. Now revised and expanded, the book won two national book awards for social change. Twitter @DaveLieber

AVAILABLE IN HARDCOVER, CD AUDIO BOOK, ON ITUNES (AUDIO), KINDLE AND IPAD.

Marina