| **Warranties**
When you make a major purchase, the manufacturer or seller makes an important    promise to stand behind the product. It's called a warranty. Federal law requires that    warranties be available for you to read before you buy     even when you're shopping by catalog or on the Internet. Coverage varies, so you can    compare the extent of warranty coverage just as you compare the style, price, and other    characteristics of products.**Written WarrantiesAlthough not required by law, written warranties come with most major    purchases. When comparing written warranties, keep the following in mind:- **How long does the warranty last?** Check the warranty to see when it        begins and when it expires, as well as any conditions that may void coverage.
- **Who do you contact to get warranty service?** It may be the seller        or the manufacturer who provides you with service.
- **What will the company do if the product fails?** Read to see whether        the company will repair the item, replace it, or refund your money.
- **What parts and repair problems are covered?** Check to see if any        parts of the product or types of repair problems are excluded from coverage. For example,        some warranties require you to pay for labor charges. Also, look for conditions that could        prove expensive or inconvenient, such as a requirement that you ship a heavy object to a        factory for service, or that you return the item in the original carton.
- **Does the warranty cover "consequential damages?"** Many        warranties do not cover damages caused by the product, or your time and expense in getting        the damage repaired. For example, if your freezer breaks and the food spoils, the company        will not pay for the lost food. 
- **Are there any conditions or limitations on the warranty?** Some        warranties provide coverage only if you maintain or use the product as directed. For        example, a warranty may cover only personal uses—as opposed to business uses—of        the product. Make sure the warranty will meet your needs.
**Spoken WarrantiesIf a salesperson makes a promise orally, such as that the company will    provide free repairs, get it in writing. Otherwise, you may not be able to get the service    that was promised.

Warranty     PiecesWhen you buy a car, home, or major appliance, you may be offered a service    contract. Although often called "extended warranties," service contracts are not    warranties. Service contracts, like warranties, provide repair and/or maintenance for a    specific time. Warranties, however, are included in the price of the product; service    contracts costs extra and are sold separately. To determine whether you need a service    contract, consider:- whether the warranty already covers the repairs and the time period of        coverage that you would get under the service contract;
- whether the product is likely to need repairs and the potential costs of        such repairs;
- the duration of the service contract;
- the reputation of the company offering the service contract.
**Implied WarrantiesImplied warranties are created by state law, and all states have them.    Almost every purchase you make is covered by an implied warranty.

The most common type of implied warranty—a "warranty of    merchantability," means that the seller promises that the product will do what it is    supposed to do. For example, a car will run and a toaster will toast. 

Another type of implied warranty is the "warranty of fitness for a    particular purpose." This applies when you buy a product on the seller's advice that    it is suitable for a particular use. For example, a person who suggests that you buy a    certain sleeping bag for zero-degree weather warrants that the sleeping bag will be    suitable for zero degrees.

If your purchase does not come with a written warranty, it is still    covered by implied warranties unless the product is marked "as is," or the    seller otherwise indicates in writing that no warranty is given. Several states, including    Kansas, Maine, Maryland, 

Massachusetts, Mississippi, Vermont, West Virginia, and the District of    Columbia, do not permit "as is" sales.

If problems arise that are not covered by the written warranty, you    should investigate the protection given by your implied warranty.

Implied warranty coverage can last as long as four years, although the    length of the coverage varies from state to state. A lawyer or a state consumer protection    office can provide more information about implied warranty coverage in your state.**Preventing ProblemsTo minimize problems:- **Read the warranty before you buy.**  When online, look for hyperlinks to the full warranty       or to an address where you can write to get a free copy.        Understand exactly what protection the warranty gives you.       If a copy of the warranty is available when shopping online, print it out       when you make your purchase and keep it with your records.
- **Consider the reputation of the company offering the warranty.**Look for an address to write to or a phone number to       call if you have questions or problems. If        you're not familiar with the company, ask your local or state consumer protection office        or Better Business Bureau if they have any complaints against the company. A warranty is        only as good as the company that stands behind it.
- **Save your receipt and file it with the warranty.**You may need it        to document the date of your purchase or prove that you're the original owner in the case        of a nontransferable warranty.
- Perform required maintenance and inspections.
- **Use the product according to the manufacturer's instructions.**        Abuse or misuse may void your warranty coverage.
**Resolving DisputesIf you have problems with a product or with getting warranty service:- **Read your product instructions and warranty carefully.** Don't        expect features or performance that your product wasn't designed for, or assume warranty        coverage that was never promised in writing. A warranty doesn't mean that you'll        automatically get a refund if the product is defective—the company may be entitled to        try to fix it first. On the other hand, if you reported a defect to the company during the        warranty period and the product wasn't fixed properly, the company must correct the        problem, even if your warranty expires before the product is fixed.
- **Try to resolve the problem with the retailer.** If you can't, write        to the manufacturer. Your warranty should list the company's mailing address. Send all        letters by certified mail, return receipt requested, and keep copies (see the sample        complaint letter on page 7).
- **Contact your state or local consumer protection office.**They can        help you if you can't resolve the situation with the seller or manufacturer.
- **Research dispute resolution programs that try to informally settle any        disagreements between you and the company.** Your local consumer protection office can        suggest organizations to contact. Also, check your warranty; it may require dispute        resolution procedures before going to court.
- **Consider small claims court.** If your dispute involves less than        $750, you can usually file a lawsuit in small claims court. The costs are relatively low,        procedures are simple, and lawyers usually aren't needed. The clerk of the small claims        court can tell you how to file your lawsuit and your state's dollar limits.
- **If all else fails, you may want to consider a lawsuit.** You can sue        for damages or any other type of relief the court awards, including legal fees. A lawyer        can advise you how to proceed.
**For More Information
The FTC works for the consumer to       prevent fraudulent, deceptive and unfair business practices in the       marketplace and to provide information to help consumers spot, stop and       avoid them. To file a       complaint or to get free information       on consumer issues, visit www.ftc.gov or       call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The       FTC enters Internet, telemarketing, identity theft and other fraud-related       complaints into       Consumer Sentinel, a       secure, online database available to hundreds of civil and criminal law       enforcement agencies in the U.S. and abroad. **FEDERAL TRADE COMMISSION****FOR THE CONSUMER****1-877-FTC-HELP****www.ftc.gov**
*October 2001*

Sample Complaint Letter (Your Address)    (Your City, State, Zip)    (Date)    (Name of Contact Person)    (Title)    (Company Name)    (Street Address)    (City, State, Zip Code)    Dear (Contact Person):

On (date), I purchased (or had repaired) a (name of the product with the    serial or model number or service performed). I made this purchase at (location, date, and    other important details of the transaction).

Unfortunately, your product (or service) has not performed well (or the    service was inadequate) because (state the problem).

Therefore, to resolve the problem, I would appreciate your (state the    specific action you want). Enclosed are copies (copies, not originals) of my records    (receipts, guarantees, warranties, cancelled checks, contracts, model and serial numbers,    and any other documents).

I look forward to your reply and a resolution to my problem and will    wait (set a time limit) before seeking third-party assistance. Please contact me at the    above address or by phone (home or office numbers with area codes).

Sincerely,

Your Name    Account NumberUBLIC "-//IETF//DTD HTML//EN">************ |
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