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what the law actually says

Explainers for the letter you just got.

Plain-language explainers on the statutes, letters and offices people get sent to: what the law actually says, and what to do next.

September 26, 2026 · 10 min read

Flight Delay Compensation: What Airlines Actually Owe You

US law has no general cash-compensation rule for flight delays — DOT withdrew the only rulemaking that would have created one on November 17, 2025. What you are owed is a refund, triggered at 3 hours domestic or 6 hours international, payable in 7 business days on a credit card. Find which of the four regimes you are actually in before you write.

September 25, 2026 · 7 min read

FCRA § 611 vs § 605B: Which Dispute Letter You Actually Need

A 611 letter is an accuracy dispute under 15 U.S.C. § 1681i — 30 days, no documents required. A 605B letter is an identity-theft block under 15 U.S.C. § 1681c-2 — 4 business days, but only with proof of identity and an identity theft report. Pick by whether the account is yours.

September 25, 2026 · 10 min read

My Parking Ticket Has the Wrong Details: What Actually Gets It Dismissed

A wrong make, plate type, or time on a parking ticket is not an automatic dismissal anywhere. New York City's statute says a violation with omitted or misdescribed required information shall be dismissed on application; Washington's infraction rule ignores defects that don't prejudice you; California lets the officer file a written correction. Find your city's rule first.

August 12, 2026 · 8 min read

1437 Bannock St., Room 140, Denver, CO 80202: What That Room Is and Why You Were Sent There

Room 140 at 1437 Bannock Street is Denver County Court's parking citations counter, open Monday–Friday 8:00 a.m.–4:00 p.m. Here's what happens there, the 20-day dispute window, the $26 court cost if you lose, and which of the building's other rooms you may actually need.

August 6, 2026 · 10 min read

"15 U.S.C. § 6802 Dispute Letter": Why That Letter Doesn't Exist — and What to Send Instead

15 U.S.C. § 6802 has no dispute, correction, or deletion procedure. What it gives you is an opt-out right against sharing with nonaffiliated third parties, exercisable at any time and effective until you revoke it in writing.

July 28, 2026 · 8 min read

"765 ILCS 750/15" and the "Affirmative Defense": How Illinois's Safe Homes Act Rent Defense Works

765 ILCS 750/15 gives an Illinois tenant two affirmative defenses to a landlord's suit for rent: one for a credible imminent threat of domestic or sexual violence, one for sexual violence on the premises. Both turn on written notice within 3 days of vacating.

July 24, 2026 · 8 min read

"815 ILCS 380" and "120,000": The Number Isn't in Illinois's Lemon Law — Here's What Is

815 ILCS 380 is the Illinois New Vehicle Buyer Protection Act, and no figure of 120,000 appears anywhere in it. The real numbers are 1 year or 12,000 miles, 4 repair attempts, 30 business days out of service, and an 18-month deadline to sue — plus a separate used-car powertrain warranty whose mileage cutoff is 150,000 miles, not 120,000.

July 15, 2026 · 6 min read

"765 ILCS 750/15" in an Eviction Case: What Illinois's Safe Homes Act Defense Really Does

765 ILCS 750/15 is the "affirmative defense" section of the Illinois Safe Homes Act. It lets a domestic- or sexual-violence victim who fled home avoid rent that comes due after they vacate — if they gave the landlord written notice within 3 days.