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1 Answer | Asked in Consumer Law, Intellectual Property and Internet Law for Illinois on
Q: Should I send my letter to Facebook’s headquarters or their legal department about access to download my info

from my terminated / disabled account?

James L. Arrasmith
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answered on Oct 8, 2024

If you want to download your information from a terminated or disabled Facebook account, it's best to reach out directly to their legal department. They handle requests related to account data and can guide you through the necessary steps. Sending your request there increases the chances it... View More

1 Answer | Asked in Consumer Law and Car Accidents for Illinois on
Q: Should the car insurance have provided me a car rental / paid for my car payments while my car is in the shop?

For a deer collision? My car was in the shop for 6 months, and i was only given 30 days of car rental. I continued paying for my car even though i wasn't driving it. I had no vehicle for 5 months. I have a full time job, and i’ve missed a lot of work. Should the insurance have paid for my... View More

Charles Candiano
Charles Candiano
answered on Oct 7, 2024

This is not a legal question but I will answer it as best I can from personal experience. When you purchase car insurance, car rental coverage is usually defined by duration and the amount payable per day. For example, 30 days at $50 per day. The duration is generally fixed at 30 days. The only... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: Debt collector deception?

Hello I had a debt collector call me to make payments. They told me original creditor may settle later. I called original creditor they no longer own it.

Timothy Denison
Timothy Denison
answered on Oct 6, 2024

Yes. You might consider counterclaiming for fraud if they file suit.

1 Answer | Asked in Consumer Law, Criminal Law and Gov & Administrative Law for California on
Q: what section code is it to knowingly sell a vehicle with a fake smog certificate in the state of California ,

A person sold me a vehicle

he was not on any of the paperwork as being the registered owner ever , nor the title owner I didn't make it home that evening because the vehicle overheated . On the only paper he gave me was a smog certificate stating that the vehicle in question has... View More

James L. Arrasmith
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answered on Oct 5, 2024

In California, knowingly selling a vehicle with a fake smog certificate falls under California Vehicle Code Section 24002. This section mandates that a valid smog certificate must be provided at the time of sale for most vehicles. Providing a false or fraudulent smog certificate violates this law.... View More

2 Answers | Asked in Consumer Law and Civil Rights for Michigan on
Q: In recording a video in public.What can I use and not use?

Im in the process of making a memorial video of my son who passed away in 2020.I will be filming the city where he lived and worked(outside of building only).I have obtained permission.One part of this is that I will be filming coming into the city where peoples cars are present as well as people... View More

Brent T. Geers
Brent T. Geers
answered on Oct 7, 2024

Your plan sounds okay. Generally, you may film anyone or anything in public. As long as you're not misrepresenting what you are capturing (e.g., implying that a business shown was involved when it was not; implying that a person walking down the street is a prostitute or drug dealer, ect.),... View More

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1 Answer | Asked in Consumer Law and Contracts for California on
Q: Signed a contract with a lender but dealer requested the account to be returned. They took the car and kept my down pymt

I was under the impression that I was doing in-house financing through a dealership with a $6,000 down payment, but when it came time to sign, the retail installment agreement was with a third party lender, not the dealership. The lender couldn't verify my employment but told me to send in my... View More

James L. Arrasmith
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answered on Oct 5, 2024

You have several protections under California law that can help you in this situation. The California Consumer Legal Remedies Act (CLRA) prohibits dealerships from engaging in unfair or deceptive practices, such as not honoring your down payment or misrepresenting financing terms. Additionally, the... View More

1 Answer | Asked in Consumer Law and Banking for Ohio on
Q: 1)If I put the title in my name, am I then responsible for the lien? 2)How/where do I get a court to remove the lien?

I purchased a dirt bike (got a BOS) later found it had a lien on it. I was originally working with the bank First Bank of Ohio in Tiffin concerning this matter. Now I have learned that they have violated laws including debt collection laws. They used unfair and coercing acts to make me do things... View More

James L. Arrasmith
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answered on Oct 6, 2024

If you put the title in your name, it does not automatically make you responsible for the lien itself. The lien is tied to the previous owner's debt with the bank, and unless you explicitly agreed to assume that debt, it remains their responsibility. However, having a lien on the vehicle could... View More

1 Answer | Asked in Consumer Law for Nebraska on
Q: Is a storage unit responsible?If you're unit gets mice and ruins your belongings
Julie Fowler
Julie Fowler
answered on Oct 10, 2024

You should contact the storage unit company and report the damage. Once aware of the problem, they will need to take reasonable steps to try to remedy the situation so that further infestation isn't occurring in their units. This could be things like spraying or rat traps, if they... View More

1 Answer | Asked in Consumer Law and Small Claims for Missouri on
Q: Purchased a bad used car for $10,000 from a private seller. The car needs over $17,000 in repairs.

Is there any recourse for this?

Stephen Murray
Stephen Murray
answered on Oct 18, 2024

Buying a used car from a private seller can be tricky, especially when you end up with a huge repair bill like that. In Missouri, private sales are generally "as-is," meaning once you buy it, you take on the risk of any repairs or issues unless the seller gave you specific promises about... View More

1 Answer | Asked in Consumer Law and Contracts for California on
Q: My question it that I have some concern in a dealership need help?

The thing is I believed car got wrongfully repossessed on 8/30/2024,cause I was never sent the Notice as Sezure ,Notice of Personal Belonging and Notice of reinstatement,and I ask for a copy of contract ,he deny it,said it was to much work his accountant had to do just for a copy of contract,ask... View More

James L. Arrasmith
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answered on Oct 3, 2024

I'm sorry you're going through this situation. In California, lenders are required to provide specific notices before repossessing a vehicle, including a Notice of Default and an Opportunity to Reinstate. If you didn't receive these notices, the repossession might not have followed... View More

3 Answers | Asked in Consumer Law, Construction Law and Small Claims for California on
Q: It's almost 2 years since shoddy work was done by a CA contractor who I now know was unlicensed. Is it too late to sue?

He promised/agreed to refund me $2,500 due to the bad work and has been very slowly paying me for the past two years, although he has now been avoiding answering my texts for most of 2024 and I don't think he will finish refunding me what he promised. The job was $4,000 and he has paid back... View More

Leon Bayer
Leon Bayer
answered on Oct 3, 2024

I'm really sorry for you. Unfortunately, the time to be vigilant is before you hire a contractor. As you now know, everything you now know about him could have been discovered by you before you hired him.

I'm sure you already know that deadbeats don't pay their bills....
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2 Answers | Asked in Consumer Law, Criminal Law, Banking and Civil Rights for Texas on
Q: I asked a question recently about me the bank won't cash my paychecks and received an answer I have an issue with....

I tried to check cashing places I tried to prepaid cards you tried to put them into another account all came back As UNpaid now I have those places wanting their money back. This has become a big issue I haven't cashed a check in 7 weeks now I have went to that bank and talked to them and they... View More

John Michael Frick
John Michael Frick
answered on Oct 4, 2024

If a bank will not cash your employer's checks, you can sue your employer for the face amount of the checks that were dishonored, plus court costs and attorney fees. You should send a demand letter to your employer indicating that its payroll check has been dishonored by the bank.

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1 Answer | Asked in Consumer Law and Business Law for California on
Q: If a store has a product fully stocked w/ price tag under it they're required to honor the price on the tag, correct?

All of the product is stocked with a price tag underneath it. It isn't just one single, random item that happened to get misplaced, but all of the product on the shelf has that price tag underneath it.

James L. Arrasmith
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answered on Oct 3, 2024

In California, stores are generally required to honor the prices displayed on their products. When every item on the shelf has a clear price tag underneath, it indicates that the advertised price is intended to be honored. This practice aligns with consumer protection laws that prevent businesses... View More

1 Answer | Asked in Consumer Law for California on
Q: Hello, Solar company installed batteries, didn’t turned them on and refuse to replace them, for almost a year.

I got batteries almost 4 years ago. Installation process too way too long ( about 7-8 inspections) and it lasted over 2 years. About a year ago company that monitors battery function came over to inspect it because they saw that most of the batteries didn’t work. On the inspection it turned out... View More

James L. Arrasmith
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answered on Oct 2, 2024

I'm sorry to hear about the trouble you're experiencing with your solar company. Start by gathering all your documentation, including contracts, receipts, and records of all communications with the company and manufacturer. This evidence will be crucial in supporting your case.... View More

1 Answer | Asked in Consumer Law, Civil Litigation and Energy, Oil and Gas for California on
Q: Can I sue the company that installed my solar system?

We purchased (in full) a solar system that was installed in 2023 in Southern California and received our NEM 2.0 Permission To Operate (PTO) from SCE in September 2023. We just received an annual settlement bill from SCE for $3,200. I contacted SCE and they told me our system generated zero... View More

James L. Arrasmith
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answered on Oct 2, 2024

I'm sorry to hear about the issues you're experiencing with your solar system. Given that both SCE and your solar company are pointing fingers without resolving the problem, it's understandable to feel frustrated.

You may have grounds to take legal action if the installation...
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3 Answers | Asked in Consumer Law and Contracts for California on
Q: Dealer is trying to keep my down payment after they requested the account t be returned and took the car. Is this legal

08/31/2024 i went to super shopper auto to finance a used 2018 Honda Accord through in-house financing but when I arrived the manager had a retail installment agreement contract typed and printed for me to sign through a third party call California auto finance 5 days later the dealer requested the... View More

Leon Bayer
Leon Bayer
answered on Oct 2, 2024

It sounds illegal. You can sue the dealer in small claims court and you can make a complaint to the California DMV: The Department of Motor Vehicles (DMV) licenses and regulates new and used motor vehicle dealers. If you would like to report a problem or dispute you have with a motor vehicle... View More

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1 Answer | Asked in Consumer Law and Identity Theft for Virginia on
Q: Honda Financial attached my SSN to someone else's loan

No details regarding amount, if in state or not and they told me "We don't know if this is really you." After freezing my credit, submitting a report to the FTC, Honda Financial & taking time off of work to file a report with Local Law Enforcement, they still would not provide... View More

Matthew McKenna
Matthew McKenna
answered on Oct 2, 2024

I would certainly recommend contacting a consumer protection attorney as soon as possible that will offer a free consultation. It appears that you disputed this information with Honda Finance but I would also recommend disputing the information with the credit bureaus. You'll want to send the... View More

2 Answers | Asked in Consumer Law for California on
Q: If a charge off is income, it can not be a bad debt. True, so it shouldn't be on ones credit report correct?

According to the IRS a Charge Off is income, thus can not be a debt. Also a dollar bill is merely a promissory note. A debt note, which technically can not pay any debts. Example, you use dollar bills to pay PG&E, but they use the remittance to actually pay the bill. So what do they do with the... View More

Leon Bayer
Leon Bayer
answered on Oct 2, 2024

A credit report is a scorecard of how an individual has performed on their promises to repay a financial obligation. A charge off on your 'scorecard' does not say anything good about you and will appear on your credit report for 7 years. Maybe even longer if you have been sued by them.

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2 Answers | Asked in Consumer Law for California on
Q: If someone sent me a text saying they sent me a thousand via CashApp but it was just click bait can I sue them?

It's to promote their monetized social media channel.

Leon Bayer
Leon Bayer
answered on Oct 1, 2024

You have no case because you were not damaged.

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1 Answer | Asked in Consumer Law and Criminal Law for Texas on
Q: Hi a friend of mine just put a down payment on a car and made some payments but she missed one payment a few days ago

And due to financial situation she wasn't able to pay the one payment and now a few days later they have sent a text message saying they're going to arrest her for stealing the car. Is that a scam or can they really arrest her for missing one payment.

John Michael Frick
John Michael Frick
answered on Oct 2, 2024

No they cannot arrest her for failing to make a car payment on a car she bought. They can, however, repossess the car if they properly recorded a lien against the car.

They could only arrest her if she stole a car registered in their name. When you buy a car, you (or the dealer) must...
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