Which of the following is true of lemon laws? Multiple Choice A consumer generally may file a lawsuit if he or she disagrees with the decision of an arbitration panel as to whether a car is a lemon Arbitration panels determine whether the car is a lemon, and this decision may not be appealed to a court Lemon laws are the same for all states except Louisiana The vehicle must have been unavailable to the consumer for a total of at least 60 days in a 6 month period. 5 Chapter 11 of the Bankruptcy Act allows creditors to submit a provisional debt reorganization plan while the debtor, under the supervision of the court works out a financial reorganization plan and continues to pay creditors True or False True False The Credit Card Accountability, Responsibility, and Disclosure Act of 2009 has which of the following key provisions? 19 Multiple Choice Lenders can issue credit cards to those under age 21 without any objections Interest rates may be raised in the first year the card is issued. Without the consumer's specific agreement banks cannot accept charges where doing so puts creditors over their limits Credit card companies can increase the annual percentage rate on all existing account balances within six months of issuing the card