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Welcome to my consumer protection and personal injury "blawg" (legal blog).   My name is Micah Adkins and I am a personal injury and consumer advocate attorney for Massey, Stotser and Nichols, P.C. The goal of this blawg is to convey general information and links to the injured, consumers and other lawyers related to personal injury and consumer protection.

My consumer protection practice focuses on consumer fraud, credit report disputes, debtors' rights, and identity theft. 

My personal injury practice focuses on car and truck accidents, workplace injury, consumer product safety (pharmaceutical drugs and over-the-counter consumer products), Social Security Disability and wrongful death.

Click HERE for additional information about Micah Adkins.

Massey, Stotser and Nichols, P.C. is located in Birmingham, Alabama and our trial lawyers serve the greater Birmingham metroplex and the entire State of Alabama. Our firm also has attorneys licensed to practice law in Georgia and Tennessee.

lf you have been hurt in a car, at work or because the use of a drug, then this site may be of assistance to you.  If you have been a victim of fraud, tried to get credit reporting agencies to correct your credit report or have received harassing collection calls, then this site may be of assistance to you.

TJX (TJ MAXX) SETTLES WITH BANKS OVER DATA BREACH
Posted by: Micah Adkins
September 15, 2009
Topic: ID THEFT, DATA BREACHES AND CREDIT REPORT DISPUTES

TJX, the parent corporation of the retailer TJ Maxx (among others), announced on September 2, 2009 that it had settled with four banks over a 2006 data breach.  According to Dan Kaplan, a writer for SC Magazine, TJX will pay the four banks some $525,000.00.   The data breach exposed as many as 94 million credit and debit card users to identity theft and unauthorized charges.  FULL Story.


If you have been a victim of identity theft, or have discovered unauthorized charges on your credit or debit card, then you may be entitled to money damages.  Contact attorney Micah Adkins for a free and confidential consultation.  

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MERCK
Posted by: Micah Adkins
September 04, 2009
Topic: DANGEROUS DRUGS

According to the NY Times, Natasha Singer, Merck's first Fosamax case involving jawbone tissue breakdown is now before a federal jury.  Approximately nine-hundred (900) other cases have been filed by users of Fosamax and allegations include jawboneissues.  Merck is on the defensive and has argued that the users' jawbone issues were caused by other health issues.  FULL STORY

 

Click HERE for Merck's position.

 

If you or a loved one has used Fosamax and have been diagnosed with osteonecrosis of the jaw, you may be entitled to money damages.  For a free and confidential consultation, contact attorney Micah Adkins

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Banks Reorder Transactions & Consumers Pay Insufficient Fund Fees
Posted by: Micah Adkins
August 24, 2009
Topic: CONSUMER PROTECTION

Several nationwide class actions have been filed against some of the countries largest banking associations.  The named plaintiffs allege the banks' practice of reordering electronic transactions is deceptive and illegal, despite the banks' customer agreements that state they can process customers' transactions in any order.  So what's the big deal?
 
The following is an example of how banks are making millions of dollars by reordering customer transactions.  Johnny and his family live paycheck to paycheck.  Johnny makes his money the old fashion way, hard work and sweat at the local factory, and he gets paid every two weeks when his employer electronically deposits his check with his bank, Bank X.  Its tough for Johnny and his family to pay all of their bills and expenses, and more often than not, Johnny's paycheck is not enough to make ends meet.  Johnny's bank, Bank X, on the other hand, makes money the easy wayinsufficient fund fees.  Its quick, easy, and sweat free!  While Johnny makes $15 per hour, Bank X has found a way to make $35 in less than one second! 
 
For example, its Thursday Johnny has a balance of $200 in his Bank X checking account.  Johnny started his morning like he does every Thursday, gassed up his truck, $50, and picks up a sausage biscuit and coffee, $5, for breakfast on his way to work.  Later that same day, while on lunch break, Johnny picks up a burger and soda, $8, the family's laundry from the cleaners, $35, and a birthday card for his grandmother, $4.  After Johnny gets home from work, he takes his wife and three kids out for dinner, $65, then to the movies, $60.  All 7 transactions were made with Johnny's Bank X debit card and all 7 transactions were made on Thursday.   
 
The total charges for Thursday total $ 227.00.  As a result, his account is overdrawn on Friday.  One would think that Johnny might expect one $35 overdraft fee for the insufficient funds and have an ending negative balance of $-62 ($27 overdraft  + 35 insufficient fund fee) for the day, but instead Johnny is shocked to discover he has $105.00 in insufficient fund fees and has an ending negative balance of $-132.00.  In other words, his checking account was debited by Bank X for three $35 overdraft fees.  How?  After all, he expected his account to be overdrawn by $23.00, but not according to Bank X's records.
 
While Johnny's transactions were made electronically throughout the day in the following order: $50; $5; $8; $35; $4; $65; and $60, Bank X has reordered the transactions from largest to smallest.  Here is the order in which Bank X  reorders Johnny's debit card transactions for the day: $65; $60; $50; $35; $8; $5; and $4.  Johnny's account is now overdrawn after the fourth transaction, and he incurs $35 in overdraft fees for the next three transactions.  Had Bank X processed the transaction in the order in which they were actually made, Johnny would have been charged $35 for one insufficient fund fee.  Instead, Bank X charged Johnny's account $105.00 in overdraft fees!
 
Sound familiar? If your bank has reordered your transactions or your bank has delayed posting deposits to your account and you have incurred overdraft fees, you need to contact attorney Micah Adkins.

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IS YOUR PRESCRIPTION INFORMATION REALLY PRIVATE?
Posted by: Micah Adkins
August 15, 2009
Topic: ID THEFT, DATA BREACHES AND CREDIT REPORT DISPUTES

In a NY Times article written by Milt Freudenheim, attention is brought to a little known provision of the economic stimulus package.  No it does not have to do with more money for the healthcare industry.  Full Story

Instead, the provision is aimed at protecting patient's personal information from marketing companies.  The new rules would limit pharmacy benefit managers and others from disclosing patients' personal health information.  While CVS Caremark and Walgreens will still be allowed to sell patients prescription data to drug manufacturers, they may only do so if the patients names are removed.

Do the new rules do enough?  I say no.  Why?  Because drug marketing will still be permitted as long as the marketing companies only promote drugs that are already being used by the pharmacies' customers.  Pharmacies may also continue to sell patients' personal drug information to other pharmacies without the patients' consent.

If you have discovered that your personal information has been shared without your permission, then you may be entitled to money damages.  Contact attorney Micah Adkins for a confidential consultation.

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TEXTING WHILE DRIVING INCREASES RISK OF CRASH
Posted by: Micah Adkins
August 11, 2009
Topic: CAR ACCIDENTS

A recent study has confirmed what most drivers already know, texting while driving increases the risk of a crash.  The increased usage of cell phones for calling, texting and surfing the web can be a major distraction for drivers.  One study has found that texting while driving increases the risk of a crash by as much as twenty times.  An article summarizing this report can be found here.
 
The same study also suggests that the "hands free" mode while driving is just as dangerous as talking with the phone up to your ear because both are considered a cognitive distraction from driving.  
 
Our firm represents people that have been injured in car, truck and motorcycle wrecks.  During litigation, we review cell phone records of the drivers involved in the car or truck accident.  Far too often, we discover that the driver that caused the accident was on the cell phone at the time the accident occurred.  
 
If you or a loved phone have been injured in a car wreck and have suffered catastrophic injuries or have been hospitalized, contact attorney Micah Adkins for a free case evaluation.

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LIMITED BRANDS AND SKILLED HEALTHCARE GROUP INC POTENTIAL INVESTOR FRAUD
Posted by: Micah Adkins
August 04, 2009
Topic: SECURITIES LITIGATION

Our firm is investigating investors' claims against Limited Brands that purchased common stock between August 2007 and February 2008 and incurred a monetary loss on the transactions.  It appears that Limited Brand's fourth quarter estimated earnings were either overstated or wrongfully stated, and has resulted in damage to its investors. 
 
Our firm is also investigating investors' claims against Skilled Healthcare Group, Inc., for alleged fraudulent reporting practices.  The applicable time period for common and preferred shareholders that have suffered a monetary loss between May 14, 2007 and February 9, 2009.
 
A shareholder derivative class action may be appropriate in both of these cases, but our firm is investigating investors' claims on a case-by-case basis.  If you believe a potential shareholder derivative action against either Limited Brands or Skilled Healthcare Group, then you may be entitled to money damages. 
 
Contact attorney Micah Adkins for a free and confidential consultation.

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FDA WARNS OF HEALTH RISKS ASSOCIATED WITH E-CIGARETTES
Posted by: Micah Adkins
August 04, 2009
Topic: CONSUMER PROTECTION

The Food and Drug Administration ("FDA") has issued a warning to consumers about the potential health risks associated with the use of electronic smoking devices ("e-cigarettes").  According to the FDA, the battery operated e-cigarettes are designed to be used like a traditional tobacco packed cigarette and are sold without any age restrictions.  While the products do not contain tobacco, the products may contain ingredients that are known to be toxic for humans. 

 

The FDA has expressed concerns that the use of e-cigarettes will increase nicotine addiction among young children and will ultimately lead to the consumption of other tobacco products.  After all, the e-cigarettes are being sold in kid friendly flavors, chocolate, mint and strawberry.

 

The e-cigarettes are not packaged with warnings like you would find on a traditional pack of cigarettes.  One FDA sampling of the e-cigarettes in its lab revealed diethylene glycol (active ingredient found in anti-freeze) and carcinogens.  Currently, the FDA is involved in litigation regarding the FDA's ability to regulate the e-cigarettes under the Federal Food, Drug and Cosmetic Act.

 

If you or a loved one have used an e-cigarette and suffered catastrophic injury and required hospitalization, your legal rights may have been violated.  Contact attorney Micah Adkins for a free consultation.

Attachments:
ecigarettes_0709.pdf

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CLASS ACTION SETTLEMENT NOTICE - SURIN & THE FAIR CREDIT REPORTING ACT
Posted by: Micah Adkins
July 06, 2009
Topic: CONSUMER PROTECTION

CLASS ACTION SETTLEMENT NOTICE

If you are a consumer who used a credit card or debit card to make a purchase at Surin West, Surin of Thailand, Mountain Brook or Surin 280 between December 4, 2006, and September 28, 2007 and you were provided an electronically printed credit card or debit card receipt containing more than the last five digits of your credit or debit card num- ber, you should read this notice. Your legal rights may be affected. This notice pertains to three class action lawsuits, Thomason v. Surin of Thailand, Mountain Brook, Inc., CV-07-SLB-1710-S, Kanakis v Surin 280, LLC, CV-07-SLB-1711-S, and Iradji v. Surin West, Inc., CV-07-SLB- 1712-S, In The U.S. District Court, for the Northern District of Alabama.

The lawsuits allege that the Defendants willfully violated the Fair and Accurate Credit Transactions Act (FACTA) by providing consumers with credit card and debit card receipts containing more than the last five digits of the credit card or debit card numbe rs. The Defendant denies that it willfully violated any laws. The Plaintiffs do not allege any actual damages as a result of the alleged FACTA violations. The parties agreed to a settlement to avoid the uncertainty and the costs of a trial and to provide benefits to class members. The defendants have agreed take additional measures to ensure compliance with the FACTA provisions pertaining to the truncations of the credit card account numbers and the expiration dates on receipts provided to consumers.

The Defendants will also provide a minimum of 50,000 vouchers. Each Class Member will be entitled to one voucher, which will be good for one order of pot stickers, one order of crab angels, one bowl of hot and sour soup or one bowl of coconut soup. The proposed settlement also provides that each of the 3 named plaintiffs will receive a $2,000.00 incentive fee ($6,000.00 total).

The Court has appointed as Class Counsel Micah S. Adkins and Richard A. Bearden of the law firm MASSEY, STOTSER & NICHOLS, P.C. and Archie C. Lamb of THE LAMB FIRM, LLC. Class counsel have requested a fee of $100,000.00. Class Counsel's fee will be paid by the Defendants. The Defendants are represented by David R. Donaldson of DONALDSON & GUIN, LLC and C. Lee Reeves of SIROTE & PERMUTT, P.C.

You are not responsible for any attorney fees, unless you decide to hire your own lawyer. You do not need to do anything to participate in the Settlement other than coming to one of the restaurants and asking for a free voucher. You have the right to object to the Settlement by filing an objection on or before July 21, 2009 with the Clerk of Court at the following address:

Hugo L. Black United States Courthouse 1729 5th Avenue North Birmingham, Alabama 35203

If you file a timely objection, you will have the right to appear at the hearing scheduled on August 5, 2009 at 10:00 at which time the Court will consider final approval of the settlement. The hearing may be rescheduled without further notice.

For additional information or copies of the settlement agreement and other documents, please visit http://www.surinwest.com/classaction or http://www.surinofthailand.com/classaction.

Source: Published in The Birmingham News

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FDA Inspection Reveals Adulterated Synchromed? II Insulin Pumps
Posted by: Micah Adkins
July 01, 2009
Topic: DANGEROUS DRUGS

Under section 201(h) of the Federal Food, Drug and Cosmetic Act (the "Act"), 21 USC Section 321(h), the federal government has the authority to regulate devices that are intended for use in the diagnosis of disease or other conditions or in the cure, mitigation, treatment, or prevention of disease, or are intended to affect the structure or function of the body. The Food and Drug Administration (FDA) conducts inspections of manufacturing facilities that manufacture such devices. Recently, during an inspection of a Medtronic Inc. manufacturing facility in Puerto Rico, FDA inspectors discovered adulterated Synchromed® II Insulin Pumps. In other words, the pumps were not manufactured in conformity with with the Current Good Manufacturing Practice (CGMP) requirements of the Quality System regulation. See 21 C.F.R. Part 820. According to the FDA, the manufacturer's failure to follow CGMP has resulted in infections by users of Synchromed® II Pump serial numbers NGP319205H and NGV416698H. Click HERE for the FDA warning letter sent to Medtronic.

The FDA's warning letter cites additional adverse events associated with the MiniMed Paradigm® Insulin Pump. Specifically, the FDA's stated in pertinent part: Our inspection also revealed that your MiniMed Paradigm® Insulin Pumps are misbranded under section 502(t)(2) of the Act [21 U.S.C. 352(t)(2)], in that your firm failed or refused to furnish material or information respecting the device that is required by or under section 519 of the Act, 21 U.S.C. 360i, and 21 C.F.R. Part 803 - Medical Device Reporting (MDR) regulation. Significant deviations include, but are not limited to, the following:

5) Failure to report to FDA no later than 30 calendar days after the day that you receive or otherwise become aware of information, from any source, that reasonably suggests that a device that you market: (1) may have caused or contributed to a death or serious injury; or (2) has malfunctioned and this device or a similar device that you market would be likely to cause or contribute to a death or serious injury, if the malfunction were to recur, as required by 21 CFR 803.50(a).

Incidents of diabetic ketoacidosis resulting from use of the MiniMed Paradigm® Insulin Pump have been reported by Medtronic through MedWatch. Diabetic ketoacidosis can be life threatening, require hospitalization and can cause serious injury.

If you or a loved one has used a Synchromed® II Insulin Pump or MiniMed Paradigm® Insulin Pump and have suffered a serious injury and required hospitalization, your legal rights may have been violated. For a free consultation contact attorney Micah Adkins.

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HOW DO I OBTAIN A FREE CREDIT REPORT?
Posted by: Micah Adkins
June 24, 2009
Topic: ID THEFT, DATA BREACHES AND CREDIT REPORT DISPUTES

The Fair Credit Reporting Act ("FCRA") provides consumers with the right to request a credit report from any of the three nationwide credit reporting agencies ("CRAs")(e.g., Equifax, Experian and Trans Union) for free one time in a twelve (12) month period. 15 U.S.C. 1681j(a)(2). The CRA must provide the consumer with a the credit report within fifteen days of receiving the consumer's request. 15 U.S.C. 1681j(a)(2). Further, even when consumer demands for their credit reports increase, CRAs, by law, must have the requisite ability to meet the reasonable anticipated consumer requests. 16 C.F.R. 610.2(e) and 3(c).

The CRA may request additional identifying information from the consumer prior to sending the report, but the CRA may only do so to process the consumer's request, process a simultaneous transaction as requested by the consumer, update the consumer's personal identifier, or comply with any of the other requirements of the FCRA.

A consumer may request all three credit reports online at http://www.annualcreditreport.com/, by telephone at 1-877-322-8228, or via mail at:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Our firm helps consumers get their credit reports and resolve consumers' disputes with CRAs for inaccurate or incomplete information contained in their credit files.  For a free consultation, contact attorney Micah Adkins.

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Massey, Stotser & Nichols, P.C.
1780 Gadsden Highway
Birmingham, Alabama 35235
205-838-9012


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Massey, Stotser & Nichols, P.C. | 1780 Gadsden Highway | Birmingham, Alabama 35235 | 205-838-9090