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What Is Substantive Unconscionability?

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Substantive unconscionability deals with unfairness in the result of the bargaining process, the contract itself and its terms (Egan, 1993, p.304). Tommy must argue that there is a business necessity for his prices and fees, that his customers are on equal footing during the bargaining process, and the contract itself is fair. Of the three areas that result in a charge, the purchase, the processing fee, and the interests, two are “overly harsh and one sided (Adverse claims and the consumer: Is stop payment protection available, 1972). Although Sally lives in an area that is more likely than not to default on an agreement, Takem’s policies and pre-printed contracts prevent her from bargaining. Individuals with poor credit are charged at …show more content…
Unfortunately, pleasing the public is not as easy as meeting legal obligations. For example, Red Bull recently settled a lawsuit in which they were accused of falsely claiming that Red Bull have more benefit than coffee (Brush, 2015). Red Bull’s counsel, Jason Russel said, “On the damages side, yes we view this as a nuisance settlement (Brush, 2015).” Basically, it was easier to pay them than to fight them. Tommy is in much the same situation with his current business practice. On the one hand, he probably doesn’t want to publicly admit anything more than necessary, but, on the other hand, he remains vulnerable to further claims of unconscionability. Tommy will be in a better position to handle each on a case-by-case bases if he is able to quickly institute the recommended changes. He should also be prepared for old customers to renegotiate the terms of the contract if …show more content…
Cannibalism is moral in a cannibal country (Butler, n.d.). An individual’s world view determines what they view as moral and ethical. The government and professional organizations may attempt to dictate morality and ethics, but a person’s worldview determines their beliefs more than any external association. Objective morality requires God, and, without God, morality cannot be objective (Walker, 2015). The Bible is 66 books, by nearly 40 different authors, over 1,500 years, prophetically consistent, and is the only religious document in history to claim such primacy (Zacharias, 2008). It is only through the Christian worldview that Tommy can assert a truly moral business model. The Bible tells us, in Philippians 2:3, “Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.” Further, “A leader who is a great oppressor lacks understanding, but he who hates unjust gain will prolong his days (Pro. 28:16).” Tommy must follow Christ’s example, and, through his servitude, provide for his community. Tommy’s current business model appears to find any justification to add a new charge or fee, while a Christ-centric business model aims for a profitability that exchanges value for value. Tommy should contact any current customer and offer them the chance to refinance their purchases with a more appropriate interest rate

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