There is nothing wrong with the first two answers that have been given to you, but I am going to give you an answer that comes from an entirely different direction.

Why would you still consider doing business with this company? You simply can't trust them. The way they handled this... Read more »

In California the prevailing policy is to determine household size by the number of "heads on pillows."

Hopefully it won't make any difference whether you count the baby. If it makes a difference, then wait to file, if possible, until after the baby is born. Or else file now,... Read more »

It sounds to me like this contact is a scam. These messages are usually in the form of an email. Email makes it harder to trace the criminal. Did you receive an email?

I suggest that you immediately inform the party who contacted you that you do not owe such a debt, and they should... Read more »

I am sorry to hear about your dog. I hope your dog is ok.

I assume your dog was running loose, or else you probably would have been hit too.

Unless your dog was on a leash, I feel you have no case. Your dog should not have been roaming around.

However, you are entitled to... Read more »

I hope you prevail, but I fear that you have a tough row to hoe. Your lawsuit, if you file one, is likely to be confined solely to what was put in writing. I really doubt that the solar company made any such promise like that in writing. Salesmen, especially those selling home improvements, can... Read more »

Every consumer contract made in the State of California must comply with oodles of legal requirements that are intended to protect consumers. That said, there is still plenty of room left for a business you are dealing with to put requirements into a contract that you might not be happy with.... Read more »

You have the legal right to get your car back if you immediately pay up all outstanding payments, repo fees, late fees, etc. and if you have the required insurance coverage.

You can only reinstate your loan once every 12 months and a total of two times over the course of your loan. You... Read more »

Missing from the information you gave is the reason you want to sue them. Without a valid reason, your case would not go very far, and there could be legal exposure to you for filing a frivolous lawsuit. Sometimes people think they have a good basis to sue under FDCPA, when they really don't.... Read more »

You didn't say what the "rules" are. But if it was me, I'd be happy to sign if they give me a check then and there.

Sure, legally you don't really need to sign anything. But what's the alternative? Maybe a complaint to the dental board and a day spent in small... Read more »

Sorry, but no you can't get your money back from the dealer. That is like asking if you can return a pack of gum after you have chewed it up.

I guess you did not have insurance? If you had no insurance, you may be on the hook to pay the balance due on the loan, (minus the salvage value... Read more »

I think the whole thing was a scam right from the start. No legitimate lender charges you money up front that you must pay before they hand you a check.

If it was a scam, the sad truth is that you won't get your money back. Crooks don't pay their debts. But you can certainly try... Read more »

While I agree with my colleagues, I have a different, and practical approach for you to consider.

I think you are inflicting a slow death of a thousand cuts upon yourself with this silly 50/50 warranty.

Your customer will never be happy, and the repair bills will continue to drain... Read more »

Unfortunately, it is simply too late to complain. The court file will contain the records, so to satisfy your curiosity you can look at the affidavit of service to see what it says.

However, it is not too late to negotiate and perhaps settle it for a much lower amount. And, filing... Read more »

I assume it is a judgment from the small claims court. Here is the link to the Small Claims Court instructions explaining the steps that hopefully are going to get you paid. https://selfhelp.courts.ca.gov/small-claims/after-trial/if-you-win

You or someone knowledgeable in these things will need to look at the policy to know what you have. Some life insurance contracts accumulate cash value and do not expire until death or a payment default occurs. Or it might be term insurance which expires after a set number of years.

I... Read more »

There is a little bit of fact behind the question you raised. In California, the note and deed of trust remain fully enforceable for 10 years AFTER the maturity date of the note.

For example, if you have a 15 year loan and you never made any payment, the lender still has 10 years AFTER the... Read more »

If the company is validly licensed for this kind of activity and the loan paperwork meets the requirements of law - then your answer is, unfortunately, yes and they can get away with it.

However, worthy of consideration is the fact that every consumer lets them do it to us when we take the... Read more »

You desperately need an in-person sit-down meeting with a bankruptcy expert. You have a lot going on. Maybe more than one meeting will be necessary.

There already are certain protections built into the law that might prove to be sufficient to protect someone's home and other assets.... Read more »

The damage to the windshield was caused by the negligence of the repair shop, wasn't it? If so, it is not a mechanical defect and is outside of the warranty and the manufacturer has no responsibility for it. Your claim is against the shop.

Damages for your wasted time is not... Read more »

I'm sorry this happened. You can find answers. But you'll need to do some detective work.

The things we need to know will include:

1. Was the registration current?

2. Where was the vehicle last parked or stored, to your knowledge?

3. Was there a loan on the... Read more »