TITLE: Legal Services at CitiMall Shopping Mall

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LEGAL SERVICES

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BUYING CLUBS

Q. What is a buying club?
A. There are several different types of buying clubs. One of the more popular kinds is a
compact disc (CD) or music club. It offers five or ten CDs or tapes to you for an initial
nominal price. You might pay only a nickel or a dollar, plus postage and handling. In return,
you agree to buy a certain number of CDs or tapes at the "regular club price" over a period of
time. The "regular club price" is much higher than the initial price, and is often higher than
normal retail store prices, especially with postage and handling. In fact, though, the average
price including the introductory deal usually works out to your benefit. (Remember that there
are costs involved in getting to a store downtown or at the mall, too.)
The problem with these clubs is that they automatically send you a CD or tape every
month or so. Before shipping the item, the club sends you a notice of the upcoming shipment.
The only way to prevent the automatic shipment is to return the notice before the date it
specifies. Book clubs operate on a similar basis. Other clubs, such as those that sell children's
books or science books, don't send you any notice - they assume you want the whole "library."

Q. So should I avoid these clubs?
A. Not necessarily. You may want to meet your additional obligation quickly and then resign
your membership. Also, the clubs do offer many incentives to try to keep you as a member,
which may be worthwhile to you. But if you forget to return the monthly notice, you will
receive unwanted CDs or tapes, and you will be obligated to pay for them or to return them,
sometimes at your own expense.

Q. What about merchandise clubs?
A. The idea behind these is that you pay a fee in order to qualify for discounts. The club
presumably obtains these discounts because of its volume buying power. Before joining one
of these, take a good look at what it promises. Will it limit you to certain manufacturers? Are
catalogs easily accessible? Shady clubs often appear on lists put out by the offices of state
attorneys general and consumer protection agencies. Check with them first.

LEGAL SERVICES

SHOPPING MALL > DEPARTMENT STORE > LEGAL > LEGAL SERVICES > PREPAID LEGAL SERVICES

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TITLE: Legal Services at CitiMall Shopping Mall

Legal Law Category: Law , Legal, Attorney, Advice, Firm, Search, Attorneys, Lawyers, Power of Attorney, Durable, Forms

Shopping Mall: Legal Services get attorney advice, search, law firm, legal law advice Forms, law, power of attorney, Legal service, Free legal Forms, legal advice, legal, aid, legal document, prepaid legal, help, information

Legal Law Topics: Law, Legal, Attorney, Advice, Law Firm, Search, attorneys, Legal Terms, Free legal documents, attorney, lawyer, lawyers, power of attorneys durable, forms