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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law, Contracts and Criminal Law for Kentucky on
Q: What are the laws for disclosing pending criminal charges against seller?

During the buying process, I began to do a little research. I discovered that the one half of the selling coke was in jail pending trial for inappropriate conduct at the residence with several young grandchildren. They even had a “play house” in the back yard that we looked at.

The... View More

Timothy Denison
Timothy Denison
answered on Jun 18, 2023

There are none unless it involves fraud or misrepresentation of the sale property. The criminal History of a buyer or seller is rarely germane to the sale of property.

1 Answer | Asked in Consumer Law, Products Liability and Business Law for Kentucky on
Q: Car dealership did not do the work stated and didn't hook up my turbo when they were to replace engine dt recall.

Recall on motors from hyundai.. mine blew up on the way to work with no prior lights, indication on computer of any issues. Oxmoor hyundai was to replace engine (fully under 100% warranty ) Had a rattle that it never had prior. I took it there the 1st time after replacing within 400 miles bc light... View More

Timothy Denison
Timothy Denison
answered on Jun 14, 2023

You need to consult a civil attorney to evaluate your claims. You may have a consumer protection claim against the seller.

1 Answer | Asked in Consumer Law, Banking and Collections for Kentucky on
Q: What can I do?

So my bank forceplaced insurance on my loan, for nearly $7,000. Never once even telling me there was an issue with my insurance coverage. Since I had automated payments, I went 3 months paying my normal payment, and had no idea my payment had even been raised from $430 a month, to $880! Never once... View More

Timothy Denison
Timothy Denison
answered on Jun 7, 2023

You may want to consult a bankruptcy attorney who can review your entire financial situation and see if you qualify for snd debt relief if reduction programs or for bankruptcy.

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: In my contact my payment is 275 they then raised it to 350 plus they told me when I purchased it there was no accidents

But found it there was 2, can they do that

Timothy Denison
Timothy Denison
answered on Apr 25, 2023

Your question raises more questions: 1) what type of contract; 2) what are the terms of the contract re price increase; 3) what is current status? Consular a competent lawyer who can review all your information and properly answer your questions.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Amazon flat out falsely lie to me about something I bought from them an have the email to prove it can I sue them

Bought a pc from Amazon. Had the wrong parts. Ask them to replace. They said they did have anymore that they would calle the third partie to see if they would replace it. She sent me an email saying they said they wouldn't. Two days later I call them out of curiosity and they were happy to... View More

Timothy Denison
Timothy Denison
answered on Apr 8, 2023

You may have a consumer protection claim against them for the falsehoods. However, damages are very minimal and likely not worth pursuing.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is email from insurance agent binding ?

After storm we lost quite a few roof shingles

And our roof is older so thought insurance would deduct value as I think our policy says.

But I got 2 different emails from my agent when I asked him how to proceed both claiming that as long as we paid deductible they would cover the... View More

Timothy Denison
Timothy Denison
answered on Mar 22, 2023

Yes. It is binding.

2 Answers | Asked in Consumer Law, Collections and Insurance Defense for Kentucky on
Q: Is this a possible lawsuit?

I was force placed insurance on my truck that ive had insurance on since day one. They told me there was a lapse and my truck payment went from $400 a month to over $800 a month. I sent proof of insurance and they ignored me and dodged my calls for a week. I finally got ahold of them and they said... View More

Joel Gary Selik
Joel Gary Selik
answered on Feb 4, 2023

Yes it is a possible lawsuit. You should consult with an experienced attorney in consumer rights.

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1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Kentucky on
Q: Is this a case?

I was making payments through a truck I started financing a year ago, and those payments were being made through SMART Payment plan in which they charged me on a biweekly basis in means to help me pay off the vehicle quicker.

Problems occured quuckly and often through them. My payments were... View More

Timothy Denison
Timothy Denison
answered on Feb 3, 2023

Technically, there is probably some liability there but it very likely wouldn’t be worth the time, money or hassle to pursue it. If you can get reimbursed what you’ve lost ( or most of it), you’ll still be ahead of the game.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: How do I get a vehicle transferred that I purchased and paid in full when the party refuses to complete the transfer?

I paid in full $6000 over a year ago for the vehicle and still can not get a title in my name. After going to the county clerk where the vehicle was purchased I find out it is not even in the person's name that took my money, he is also an attorney. I have ask the county attorney and the... View More

Timothy Denison
Timothy Denison
answered on Jan 25, 2023

Take a criminal complaint against the seller for failing to register the transfer.

1 Answer | Asked in Bankruptcy, Consumer Law, Employment Law and Collections for Kentucky on
Q: My employer received a garnishment form to garnish my wages. The file date for garnishment was 2007. Is there time limit
Timothy Denison
Timothy Denison
answered on Jan 16, 2023

Yes. There is a 15 year statute of limitations on a judgment collection if it has not been renewed.

1 Answer | Asked in Banking, Civil Litigation and Consumer Law for Kentucky on
Q: Can a credit Union charge your card without permission and then close your card in a middle of a credit card dispute.

I notice a charge on my Credit card from a insurance agent for disability. There was a over payment and they charge my credit card without my authority...

Timothy Denison
Timothy Denison
answered on Jan 4, 2023

The Union usually has a set off provision in their cardholder agreement which allows them to set off any monies in your account to the extent their debt is paid.

1 Answer | Asked in Consumer Law and Car Accidents for Kentucky on
Q: Auto accident car totalled, full coverage lapsed but lien holder added forced placed policy. Who owns if loan settled?

Daughter was in accident. Still owes for the car, boyfriend didn't pay insurance but credit union added a forced placed insurance policy. If that policy settles the loan for them. Does the vehicle then belong to my daughter or the credit union in Kentucky?

Timothy Denison
Timothy Denison
answered on Dec 22, 2022

Credit Union gets reimbursed for the loan first. Any remaining proceeds after that go to your daughter.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: I was sentenced to do diversion. So I went to the hospital to do the assessment and this was during Covid. The classes

Was done over the internet I had 2 months into doing them. I asked them “who is turn this all into the courts to make sure I’m getting credits” and come to find out they wasn’t Filleted with the courts so now it looks as if I just didn’t go. So now I haven’t done anything in 6 months... View More

Timothy Denison
Timothy Denison
answered on Dec 11, 2022

Hire an attorney immediately and get this straightened out before they remove you from diversion.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Capital one bank refuses to validate my claim when I made a purchase on PayPal and the merchant didn’t get the money.

I submitted plenty of proof that showed the merchant didn’t recieved the payment. Capital one reversed the claim and emptied out my bank account.

Timothy Denison
Timothy Denison
answered on Dec 8, 2022

What is your question?

1 Answer | Asked in Consumer Law and Real Estate Law for Kentucky on
Q: I toured an apartment and began the process of the application process through their website.

I was not asked to pay any application or reservation fees at the time. I also never finished the application process (did not provide pay stubs or pet information) and backed out mid-way through because I decided on another location. The leasing office told me (in writing) I did not owe them any... View More

Timothy Denison
Timothy Denison
answered on Nov 18, 2022

You don’t owe them any money (unless you signed something agreeing to pay) so do t pay them any money. It’s not worth look egss as l action at this point but you might want to write them a letter saying debt not owed.

1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for Kentucky on
Q: Can a trailer be sold over half the marketing value ?

The trailer is valued at $11,000 and it is being sold for $20,000. $4,000 has done been paid towards the $20,000 but just now discovering the property only values at $11,000 can I get the price reduced is this even legal?

Timothy Denison
Timothy Denison
answered on Nov 7, 2022

It is legal and you don’t have to buy the trailer at all.

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Made shirts for person who ruined them and now demanding money back

She did not advise me she did this until 24 hours later because the said reason she says she had to wash them was due to animal hair and smoke smell, which is a complete lie. I asked why she did not contact me immediately when her husband returned with them if they were in that alleged condition.... View More

Timothy Denison
Timothy Denison
answered on Aug 18, 2022

Don’t refund anything unless there is some merit to her claim. Otherwise, call her bluff.

1 Answer | Asked in Consumer Law and Banking for Kentucky on
Q: I’m part of jones vs Lake Michigan credit union. I would like to start the ball rolling for Citizens bank of Kentucky

The have been chargingOutrages fees . Hundreds of dollars .

Timothy Denison
Timothy Denison
answered on Aug 1, 2022

What is your question?

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can I sue a company for failing to deliver on their promise?

I paid this company over 8000 dollars to get rid of 23,000 dollars in credit card debt, and said my credit score would be in the 700's again. My credit is worse now than it was then.

Timothy Denison
Timothy Denison
answered on Jul 16, 2022

Depends on the terms of the contract you signed when you hired them.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is it legal for a dealership to withhold my car that is financed through the bank when I have been making payments?

I financed a car and it began overheating in less than 24 hrs of having it. The dealership kept it for over 2 months stating that it was fixed and 2 days after having it back the same issue occurred and they placed it back in their shop. During the first period of getting my car fixed, I was given... View More

Timothy Denison
Timothy Denison
answered on Jul 12, 2022

Yes. They have a lien on the car securing all work they do. This has nothing to do with the car loan and car payments.

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