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Indiana Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Indiana on
Q: Policy coverage dispute question: I cancelled my homeowner's insurance the same day I bought a new policy...

The new company could not insure me until 12:00 a.m., meaning the next day. The acknowledgement of cancellation from the prior company states my policy is cancelled at 12:01 a.m. the day I cancelled which is technically before I cancelled. My mortgage company is requiring proof of insurance for... View More

Tim Akpinar
Tim Akpinar
answered on Aug 14, 2020

Unfortunately, the use of those figures alone, as a general practice, could leave too much open to interpretation. If possible, it might be best to have them clarify in writing what the last full day of coverage is and what the first full day of coverage is with the respective carriers, rather than... View More

1 Answer | Asked in Consumer Law and Criminal Law for Indiana on
Q: My husband is going to prison for 13 years. He has a court appointed lawyer that I don't believe is being fair .

My husband's lawyer I feel is trying to punch him to take the plea that was Gabe to him. I realize my husband has a past. But courts have never offered him drug rehab or has even tried to get him help

Dakota VanLeeuwen
Dakota VanLeeuwen
answered on May 27, 2020

Consult and retain a private attorney if you would like another opinion on the case.

1 Answer | Asked in Civil Rights, Constitutional Law, Construction Law and Consumer Law for Indiana on
Q: can I run away if I don’t feel safe in my house ?

My mother blames us for the way her boyfriend treats her they fight all the time the last fight they had he called my mom crazy and then he called me crazy when me and my mom get in fights she thinks it ok to put her hands on me last time she put her hands on me I threatened to call the cops and... View More

James Avery
James Avery
answered on May 7, 2020

A better option might be to call County Dept of Social Services and make a report, they will find you a safe home if necessary.

1 Answer | Asked in Consumer Law for Indiana on
Q: Is there a legal issue where a company can get in trouble for harassing a customer?
Charles Candiano
Charles Candiano
answered on May 7, 2020

No meaningful answer can be given unless you provide more detail and ask the question more carefully. It is certainly POSSIBLE for a company to illegally harass a customer or anyone. If you describe the conduct, we can try to determine whether the conduct constitutes harassment.

1 Answer | Asked in Consumer Law, Personal Injury, Civil Rights and Medical Malpractice for Indiana on
Q: if i wanted to file a lawsuit against a medical provider for refusing service to me. How can I?

I went to this provider and stated that I had pain in a particular area of my body. He roughly and unexpectedly tapped the area with his instrument causing immediate pain to me and I reacted by coming up out of my seated position, to the Dr.'s alarm. I immediately and angrily said to him... View More

James Avery
James Avery
answered on Apr 23, 2020

You have to start by filing a complaint with the Commissioner of Insurance. Go to the website to get the particulars.

1 Answer | Asked in Consumer Law for Indiana on
Q: What is the state law towards freedom of speech and airing adult content commercials on the air in the day in Indiana?
Tim Akpinar
Tim Akpinar
answered on Dec 12, 2019

Your question remains open for a month, and it is something an Indiana attorney would know best. You could contact the Federal Communications Commission to ask their assistance in identifying state-specific resources that might be a starting point. Good luck

Tim Akpinar

1 Answer | Asked in Consumer Law, Contracts, Copyright and Immigration Law for Indiana on
Q: Can i hire a lawyer and give power of attorney to the lawyer to help with the sale of my Car?

I am asking as I am out travelling outside USA for 3 weeks, to get my Visa stamped on my passport, I would need a lawyer to represent me with the Car sale, if I am unable to return to the USA for some reason

Marcos Garciaacosta
Marcos Garciaacosta
answered on Dec 3, 2019

In general yes. it will always depend on the attorney.

Many attorneys do not want to get directly involved in transactions of this nature as many things could go wrong.

All you are doing is giving a power of attorney to somebody.

can be a lawyer or anybody else.

1 Answer | Asked in Consumer Law, Real Estate Law, Civil Rights and Landlord - Tenant for Indiana on
Q: Eviction is a mess
Tim Akpinar
Tim Akpinar
answered on Oct 11, 2019

Part of your question might have gotten left off in uploading. If you could repost with additional details (do not include personal information), that might enable an Indiana attorney to meaningfully assess the matter. Good luck

Tim Akpinar

1 Answer | Asked in Consumer Law and Collections for Indiana on
Q: can my credit card company call and tell my husband my credit card balance and try to get payment with out my permissio

my husband is not on my credit card account and I never gave them permission to speak to him but they did anyways without my permission and they never even asked him the severity questions all the said was what is your name and then told him about my account and balance.

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on May 20, 2019

Credit card companies are not supposed to do this; however, there is very little you can do about it, other than to pay off the credit card they are calling about. You can also report them to the federal agency that regulates credit card companies.

1 Answer | Asked in Consumer Law, Contracts and Real Estate Law for Indiana on
Q: Was living in the house rent free so people wouldn't destroy it house was sold without my knowledge

Buyer asked me move right away how much time does he have to give me

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Apr 9, 2019

Whatever "free rent" agreement you had with the seller disappeared the instant the buyer acquired the house. So as far as the buyer is concerned you have no legal right to remain in the house; this also means the new owner has no obligation to give you any time to get out. Your best bet... View More

1 Answer | Asked in Consumer Law, Criminal Law and Medical Malpractice for Indiana on
Q: By law, do patients have privacy rights?

Can a physician give out private information to a third party, such as law inforcement, beyond the obvious (not a threat to oneself or others)? In other words, can a criminal case be dismissed based on a violation of privacy on account of a physician? Personal information was given out without my... View More

Paul Stanko
Paul Stanko
answered on Feb 24, 2019

Any such violation of your privacy rights would come under Fourth Amendment analysis. The appropriate sanction would be suppression of the evidence, not dismissal of charges. Of course, suppression of evidence can often result in the State being unable to proceed, and thus dismissal.

1 Answer | Asked in Consumer Law for Indiana on
Q: If pipes freeze in apartment am I responsible for repairs?

We left for vacation fir 3 weeks and turned the heat off subsequently the pipes froze and burst. Are we responsible even though when we left it was 70 degrees?

Alexander Florian Steciuch
Alexander Florian Steciuch
answered on Feb 7, 2019

Usually landlords are responsible for repairs required to the rental premises. However, in a case like this where the damage is caused solely by the tenant's negligence, you are most likely responsible for the cost of the repairs.

It is not going to matter that it was warm when you...
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1 Answer | Asked in Bankruptcy, Consumer Law, Foreclosure and Real Estate Law for Indiana on
Q: Did chapter 7 in 2009 been paying my house since over 8 years now I’m slow at work , they are doing a foreclosure while

Can u file again chapter 7 get rid of credit cards again and stop the foreclosure too save my house and then maybe sell it in a few years. But mostly I don’t want too loose my house and it’s going so quickly, is chapter 7 best way too save house or I also see so much talk online about it being... View More

Timothy Denison
Timothy Denison
answered on Dec 15, 2018

You can file s Chapter 7 once every 8 years. Depending on your income, equity and financial situation, you may be able to do exactly what you propose.

1 Answer | Asked in Consumer Law and Lemon Law for Indiana on
Q: What am I legally allowed to know about a car purchased in a private sale?
Alexander Florian Steciuch
Alexander Florian Steciuch
answered on Dec 4, 2018

You can know everything there is to know about the car. What I think you mean to ask is if there are any necessary disclosures that the seller must make and that answer is none. A seller can sell a car 'as is' and make no representations or warranties about the state of the vehicle.... View More

2 Answers | Asked in Consumer Law and Business Law for Indiana on
Q: Is it ok to keep the package that is mailed to my address but not my name as recipient.

Received a package mailed to my address. But the recipient does not live at the Address. Do I get to keep the package or return to seller

Alexander Florian Steciuch
Alexander Florian Steciuch
answered on Nov 28, 2018

You do not get to keep packages sent to your address if you are not the intended recipient. Return to sender or you could be committing a crime.

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1 Answer | Asked in Civil Litigation, Collections and Consumer Law for Indiana on
Q: Is it legal for Capital One to send me a bill and offer half off the balance after filing suit against me?

Capital one hard and attorney / collection agency and they took out a lawsuit against me and had me served. I submitted a motion for production asking for them to show proof where I signed a contract and other questions. They now have sent a letter to me in the mail showing a balance which is the... View More

T. J. Jesky
T. J. Jesky
answered on Sep 12, 2018

If you are represented by an attorney, and they know you are represented by an attorney, they need to go through your attorney to contact you. Otherwise, how else are they going to contact you.

Based on your commentary, it appears the want to settle with you before the incur court costs....
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1 Answer | Asked in Consumer Law, Contracts and Civil Rights for Indiana on
Q: Is hard water damage from well water to a shower considered normal wear and tear?

We lived there for 3 years and we’re on a well that supplied water to both units of a double. The water softener was hooked up in the adjacent unit but ran to ours as well. He wants me to pay to have it cleaned. Also he is saying I have to pay for new carpet because of stains, we didn’t have... View More

Alexander Florian Steciuch
Alexander Florian Steciuch
answered on Sep 10, 2018

Wear and tear from regular use is near the exact definition of normal wear and tear. Things lose value over time, get damaged and have to be repaired or maintained. This is not deductible from a security deposit or attributable to the tenant. It is the cost of renting and having a family or person... View More

1 Answer | Asked in Bankruptcy and Consumer Law for Indiana on
Q: In 2012, I purchased a voucher, on sale, for a digital photo-to-canvas transfer. The voucher says that the promotional

promotional value of the voucher is good for three years (ending June 21, 2015) but that the paid value of the voucher never expires. I found my credit card statement with the purchase showing on June 28, 2012, and the company name is exactly the same as it appears for the current company, but... View More

Timothy Denison
Timothy Denison
answered on May 10, 2018

EVEN THOugh the middleman declared bankruptcy, the company is still liable for the service sold bc they were the one providing it. They owe you the paid value of the voucher, in whatever form that may be.

2 Answers | Asked in Consumer Law, Criminal Law, Domestic Violence and Family Law for Indiana on
Q: how can i get a free online pacet for me to print out for a protection orders in the state of indiana
John Mario Acosta Jr.
John Mario Acosta Jr.
answered on Mar 22, 2018

You can either check with the local jurisdiction clerks website or you can see if the Indiana Supreme Court website might have the forms you are looking for. Some jurisdictions vary on what forms they have online. If you can't get one online you can always go to the local clerks office and get... View More

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1 Answer | Asked in Consumer Law, Criminal Law, Federal Crimes and Small Claims for Indiana on
Q: What could the possible charges be for theft?

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Andrew L. Bennett
PREMIUM
Andrew L. Bennett
answered on Mar 8, 2018

First, do not make admissions on a public forum, it is possible the State could learn of it an hold it against you. Secondly, if you were charged with Conversion or Misdemeanor Theft then you are facing a Class A Misdemeanor with up a $5000.00 fine and one year in county jail. Being that this is... View More

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