Get free answers to your Consumer Law legal questions from lawyers in your area.
I have been paying on these loans for about 11 years with 20+ years left. I am in my mid-30s and have not yet saved for retirement. The payments are about $800/month. The balances have never moved. I have no recollection of taking them out. These are private loans, not federal. Is there any help... View More 
answered on Aug 8, 2017
As you may have heard, most student loans are very difficult to get discharged in a bankruptcy. You have to show "undue hardship" in order to get them discharged, and that has proven to be an extremely high standard to meet. This applies to most student loans, including ones from a... View More
Do we need a certain email server? i.e., gmail, godaddy, office 365... which servers are supposed to be used?
answered on Jun 11, 2017
Your question is a bit vague because it's unclear what kind of business you are conducting, and thus it's impossible to give you any kind of real guidance. For example, there may be regulations (federal or state) that require certain disclosures to consumers. Otherwise no, generally you... View More
I have an unsecured line of credit I defaulted on. They have not taken me to court to receive a judgement yet. I have only received letters from a lawyer stating they are going to proceed. Can I bankrupt out of this debt or do I have to wait until a court grants them a judgement?
answered on Jun 9, 2017
You do not have to wait until they obtain a judgment. Contact a local bankruptcy attorney and schedule a consultation. You need to know your options before you can make a decision on how to deal with the debt. Some individuals would file bankruptcy to discharge a $1,500 cable bill while others... View More
I went to register a car today and i was told i have a restitution lien.
answered on Mar 2, 2017
Go to or call the courthouse where the restitution lien was issued from.
both seller and buyer names are in title. Both are deceased. But, it is not dated or notarized. I am the surviving partner of 21 years. the vehicle has been in our joint property for over 20 years.
answered on Jan 4, 2017
Even if it was completed, unless Az has domestic partnership and you filled that out, doesn't matter how long you've been parnters many states say no. Think you need to consider getting a consultation from someone who handles estates. (If the person left a well that would be... View More
They convinced us that bullion would be confiscated and then told us the coins they were selling us were worth $2000 each but they're only worth about $1300. She paid $2020 each. She bought 7. I want to sue but need advice as to which laws were violated.
answered on Mar 2, 2017
She may have a claim for fraud, fraudulent inducement, material misrepresentation. There are multiple consumer protection laws that may also be applicable. An attorney in your area should be able to help you.
What would be required? A tobacco license? Age validation? What steps and legal protections would be necessary in order to (safely) deliver tobacco products to users using a courier service (imagine Postmates).
answered on Oct 4, 2016
You have to be licensed by the state, have a good accounting system for tax collection. Selling out of state? May run into laws on that. Start by contacting the secretary of State's office to see what would be required from the state.
my car was tow and the driver hook it up the wrong way, he is stating that my son told him to hook it up anyway he can so the
car gets off the street. my car is front wheel drive and now because of the way it was tow , i do not have reverse.
the owener fax me a statment that was... View More
answered on Sep 9, 2016
Contact a consumer attorney in your area of Arizona via www.naca.net
Being unjustly enriched by holding funds that were never used for services! Does the consumer have a right to entitlement of their money back!
answered on Mar 20, 2016
Talk to a lawyer to verify the statutes of limitations for your particular situation.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific... View More
The package was a small parcel package. I have been in contact with the owner of the company and they have refused to give me money back, and ship the item. I have asked for a refund several times and they don't care. Is there an law or an act that would be in my favor in order to help me?
answered on Feb 23, 2016
Why not dispute the charge with your credit card? You can file a lawsuit, report them to the consumer division of the attorney general's office, ask a lawyer to send a strong letter, etc.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing.... View More
Give me the ARS section governing this answer.
answered on Feb 9, 2016
More info about specifics is needed to answer.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a legal... View More
I need to know if there is a legal way to prevent him from not signing over the title, as he promised, once it is paid off. I pay for all maintenance, the tag, the payment, everything. He had it refinanced without me on the loan again a few years ago. I don't have contact with him except for... View More
answered on Jan 25, 2016
You can have him affirm your agreement in writing (via e-mail or text). I'd encourage you to avoid being too obvious. Maybe casually discuss the title transfer process and make a joke about the MVD. Otherwise, if he refuses to honor your agreement, you can still prove the car is yours in court... View More
This in regard to an outstanding balance at CITIBANK.
answered on Jan 21, 2016
Not enough information to advise. Talk to a consumer protection or debtor's rights lawyer.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your... View More
less than wholesale value so can this be a defense?
answered on Jan 13, 2016
More information is needed about the nature of the sale. A consumer protection, debt collection, debtor's rights or bankruptcy lawyer can assist.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is... View More
I purchased a VIP table and the show was cancelled my bank didn't get me the refund and I'd like to sue the merchant but don't know the statute of limitation
answered on Jan 21, 2016
More information is needed about what happened to advise. Best not to delay.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is... View More
I've been married to a cosmetic surgeon in AZ for 20 years. 3 years ago he abandon me in 6ksqft home after clearing out all bank accounts and entering my home faking love and stole all my cash $302k from my room (my 24yr old son also saw him). He stopped making all payments so I was told by... View More
answered on Dec 27, 2015
It's unclear exactly what you're asking. How can an attorney help you?
I believe I should get my unused premium back. Is there a cut off date?
answered on Dec 28, 2015
When a policy is cancelled, premiums are typically refunded pro-rata.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is... View More
answered on Dec 19, 2015
More information is needed. It depends if you are a class representation. In some situations, you may be able to opt-out. Talk to a lawyer about your options.
Which class action lawsuit is it?
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in... View More
She spent all her money and they overdrawn her account but she said someone stole her account so they can refund her and they make a investigation what will happen to her if they find out she was the one spending the money
answered on Jan 21, 2016
She should talk to a criminal defense lawyer asap.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a... View More
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