Samuel Signed a Contract to Purchase Furniture on Credit

question 6

Essay

Samuel signed a contract to purchase furniture on credit. The contract clearly set forth in bold print all charges included in the cost of the credit, including the interest rate and annual percentage rate. The seller informed Samuel that the seller regularly sold these contracts to a finance company that paid it immediate cash and then collected from the debtors. The seller further advised that the finance company did not want "the headache" of determining the validity of consumer complaints and that therefore the contract provided that the consumer waived all defenses concerning the furniture against the finance company. The contract expressly provided that the seller would remain responsible for any non-conformities in the furniture or breaches of contract on its part. The furniture was defective, but the finance company is demanding that Samuel make the payments to it required by the contract and resolve its disputes with the seller of the furniture. Samuel consults you regarding his rights. What is your response?

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Definitions:

Adolescent Childbearing

The phenomenon of teenagers becoming parents, which can have significant social, economic, and health implications for both the parent and child.

Cultural Context

The social, historical, and cultural environment in which an individual lives or an event occurs, influencing its interpretation and significance.

Lesbian Couples

Romantic partnerships between two women.

Lesbian Parents

Same-sex female couples who are raising children together, whether through biological means, adoption, or other methods.