How the law actually works — in plain English.
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Buying & Contracts

Gift Card Law: Which Card You're Holding Decides Whether It Can Expire

Federal law says gift card money lasts at least five years — unless the card is one of six kinds the rule leaves out. How to sort the card in your hand, the fee and expiration rules for each, what four states add, and what happens when the store closes.

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  1. Close-up of a countertop card payment terminal with its keypad and small screen.

    Disputing a Card Charge

    Your Rights · 10 min

  2. The columned entrance and steps of the New York County Supreme Court at dusk.

    Public Records

    Your Rights · 9 min

  3. A ring of old iron skeleton keys hanging on a weathered wooden chest.

    Co-Signing a Loan

    Buying & Contracts · 9 min

  4. A grey stone courthouse with a tall corner tower under a bright blue sky.

    Anatomy of a Court Notice

    Courts & Tickets · 10 min

  5. A road worker in a hard hat and high-visibility vest behind yellow safety barriers.

    Workers' Comp Claims

    Work · 10 min

  6. A dark doormat with a woven 'Welcome' border and tulip motifs on a concrete step.

    Getting Sued

    Courts & Tickets · 6 min

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Five plain-English walkthroughs of the processes people run into most — one from every section.

  1. Do You Need a Lawyer?Your Rights · 7 min readA long wooden conference table lined with yellow chairs in a glass-walled office.
  2. Small Claims, Start to FinishCourts & Tickets · 7 min readLow-angle view of a stone town-square courthouse with a domed cupola against a blue sky.
  3. Security Deposit RulesRenting · 7 min readA bright, tidy bedroom with a made bed, a painting and windows onto greenery.
  4. Fired, Laid Off, or QuitWork · 7 min readMaroon armchairs around a small white table in a bright office lobby.
  5. Returns & WarrantiesBuying & Contracts · 7 min readA reusable shopping bag packed with groceries on a kitchen counter.

Before you file in small claims

Look up your state's dollar cap — with the court that hears the case and the official source for every number, checked September 2026 — then walk through the process in order.

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