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2 Answers | Asked in Consumer Law for California on
Q: Stop wage garnishment

Old bill from ford motor credit Turned in car about 15 yrs ago Now they are garnishing my wages. How do I stop it. ?

Delaram Keshvarian
Delaram Keshvarian
answered on Jul 17, 2024

You need to talk to a debt collection attorney to sell of they have obtained or renewed the judgment during the past 15 years. If they have not followed the process properly, you can stop their collection.

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1 Answer | Asked in Consumer Law, Civil Rights and Small Claims for California on
Q: Help with unauthorized tow private property CA! Invalid Fire lane officially confirmed by fire marshal as not a legal

Tow company claims "they paint and mark fire lanes" But area has no red paint or stripes. They failed to provide photo, had to request in writing certified letter with a self addressed stamped envelope. could General authorization be null and void if discretion was allowed on "invalid fire lane"?

James L. Arrasmith
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answered on Jul 18, 2024

Under California law, the validity of a towing authorization on private property can hinge on several factors, including the proper designation of fire lanes. If the fire lane in question does not meet legal requirements, such as lacking necessary markings or having an improper designation... View More

1 Answer | Asked in Consumer Law, Contracts and Civil Litigation for California on
Q: The basis of the issue im having is in regards to the return policies of a big box store. See more info

The store sold me multiple high valued items (original order total nearing $10k) that included "free gifts" with purchase (Billed as separate items on the receipt with a cost of $0). I returned the paid items in store, and was issued a return in full. They have now retroactively requested... View More

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answered on Jul 18, 2024

Under California law, the terms of the sale and the store's return policy generally govern the issue. If the return policy explicitly states that free gifts must be returned upon returning the purchased items, then the store has the right to request their return. This is because the free gifts... View More

2 Answers | Asked in Banking, Consumer Law, Contracts and Identity Theft for California on
Q: I need assistance in filing a law suit against Patelco Credit Union. Question: Can you assist me in finding a lawyer

I've been a member for over 15 years. I have a mma, regular savings and checking account. I pay all of my major accounts on line eg. mortgage, various insurances policies, HOA, PGE, Water etc. at two locations. i do not have access to my accounts, no one answers the phone. My pension check is... View More

Tim Akpinar
Tim Akpinar
answered on Jul 21, 2024

In addition to your own attorney searches, you could use the tab above, "Find a Lawyer." State and local bar association websites usually have sections for attorney referral services. Those resources fall outside this forum, so any arrangements made would be between you and the law firms... View More

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1 Answer | Asked in Consumer Law and Collections for California on
Q: On 2/14/2019 a default & default judgement was entered in a California Superior Court, 3/16/24 garnishment was approved.

This was a SHOCK, previously we'd contacted the original creditor, in 2017/2018/2019/2021 and even the lawyer in 21'. They were notified of fraud in 2017, and again in 2018 (4 days after they allegedly served us, cap 1 said they were investigating it" I requested validation of the... View More

James L. Arrasmith
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answered on Jul 18, 2024

Given your situation, it seems you have strong evidence indicating fraud and improper service. Given that, you should definitely consider petitioning the denial of your exemption. This is especially true if the garnishment will prevent you from meeting your basic needs.

You’ve already...
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1 Answer | Asked in Consumer Law and Civil Litigation for California on
Q: I’m the Plaintiff, does my lawyer need to state at some point that she’s representing me?

Summons case assignment etc have been issued, waiting answer from Defendant. Judge we’re assigned to, is known for being “hard and to the point” Got sanctioned years ago for mistakes by my lawyer for small things like that. Obviously, I’m depending on my lawyer to be honest, know these... View More

James L. Arrasmith
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answered on Jul 18, 2024

In California, your lawyer does need to state that she is representing you, particularly in formal documents and court appearances. This is crucial for maintaining clear communication with the court and the opposing party. Your lawyer's role and representation should be clearly indicated on... View More

1 Answer | Asked in Consumer Law for New York on
Q: If pay a perium of $783 on a value of $40,000 on a commercial vehicle Sleeper tractor and value of $16,000 on a trl

Should i you I get paid of that value I was paying for that amount the insurance claim is only paying $20,000 for the truck & $6686 for the trailer for the loss of my equipment.

Tim Akpinar
Tim Akpinar
answered on Jul 9, 2024

It could depend on the terms of the policy, whether you have an ACV (actual cash value) policy, (RCV) replacement cost value policy, or other arrangement. Review the paperwork that accompanies the proposed payment figures, including whether there are options for appeal, litigation, or arbitration -... View More

1 Answer | Asked in Tax Law and Consumer Law for Ohio on
Q: Im in Columbus Ohio I’ve currently been staying at this hotel now for 34 days in a row with no gaps. I’m wondering if I’

If the hotel owes me my tax money back

James L. Arrasmith
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answered on Jul 18, 2024

In Ohio, hotel stays of 30 consecutive days or more may qualify for a tax exemption on lodging taxes. Since you have been staying at the hotel for 34 consecutive days, you might be eligible for a refund on the taxes you have paid.

You should first check with the hotel management to confirm...
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1 Answer | Asked in Consumer Law and Real Estate Law for Louisiana on
Q: Can HOA change resolutions without notifying neighborhood members?
Randy Bryan Ligh
Randy Bryan Ligh
answered on Jul 8, 2024

My best guess: Resolutions? Probably. Restrictions/covenants? No. The answer is in your HOA's governing documents---please review them or consult with a lawyer for the purpose of have them reviewed to obtain an answer to your question(s). I know you are saying resolutions but resolutions... View More

1 Answer | Asked in Bankruptcy and Consumer Law for Indiana on
Q: Being threatened with wage garnishment for 2 different debts and already getting garnished for 1, what can I do?

I feel it's time to file bankrupt but don't make enough money to get a lawyer and definitely do not make enough for so many garnishments to be coming out of my check. I make about $200/wk and that is all I have for income, I have children who's father does not pay child support or... View More

James L. Arrasmith
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answered on Jul 18, 2024

It's tough to deal with multiple wage garnishments, especially when you already have one in place and a limited income. First, consider contacting the creditors to explain your financial situation and request a reduction or temporary suspension of the garnishments. Sometimes, creditors are... View More

1 Answer | Asked in Consumer Law, Criminal Law and Trademark for Virginia on
Q: Is it legal to resell fake products like airpods, but list them as fake, so the buyer knows the are not legit in VA?
James L. Arrasmith
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answered on Jul 18, 2024

Selling fake products, even if you clearly label them as fake, is illegal in Virginia. This practice violates both state and federal trademark laws. Trademark laws protect consumers from confusion and deception regarding the authenticity of products.

Additionally, selling counterfeit items...
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1 Answer | Asked in Contracts, Consumer Law and Employment Law for California on
Q: Are personal training non-solicitation clauses lawfully enforceable please read the rest of my information.

I work for a personal training company that focuses on bringing clients to trainers. The made me sign 2 year non-solicitaction agreement. One of these clients finished their sign-up term with them but wishes to work with me personally. Will I be in breach? Is this lawfully enforceable

James L. Arrasmith
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answered on Jul 18, 2024

Under California law, non-solicitation clauses in employment agreements can be enforceable if they are reasonable in scope and duration. However, California tends to favor employee mobility and the right to work, making some non-solicitation clauses difficult to enforce. Your agreement’s... View More

1 Answer | Asked in Bankruptcy and Consumer Law for Indiana on
Q: How can I file bankruptcy with no money?

I have more than one debt that is getting ready to be garnished out of my pay (I bring home about $200/wk and am a single mom of 3 with no child support). I owe in total over $20,000 to different creditors and there is no way I will be able to pay this and be able to take care of my children's... View More

James L. Arrasmith
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answered on Jul 18, 2024

Filing for bankruptcy with no money can be challenging, but there are options available to you. First, consider contacting a local legal aid organization. They often provide free or low-cost assistance for those who cannot afford to pay for legal services.

You may also want to look into...
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1 Answer | Asked in Consumer Law and Health Care Law for Colorado on
Q: Am I required to use a health insurance agent I contacted through a phone call?

I'm looking to buy health insurance and I contacted a health insurance company to see if a doctor was in their network. A health insurance agent answered the phone and asked me some personal info and asked me if I agreed to have her as my only agent. If I agreed over the phone to have her as... View More

Tim Akpinar
Tim Akpinar
answered on Jul 13, 2024

A Colorado attorney could advise best, since consumer protections for insurance transactions usually involve state laws. But your question remains open for two weeks. Until you are able to consult with a Colorado attorney, one option is to check with the Dept of Insurance in your state. Most states... View More

1 Answer | Asked in Tax Law, Banking and Consumer Law for Utah on
Q: Can an online bank issue a cashier's check? How can I see if this cashiers check is legitimate or fake?

I feel like this is a money laundering scam. How can I verify this?

James L. Arrasmith
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answered on Jul 18, 2024

Yes, an online bank can issue a cashier's check, but it's essential to ensure its legitimacy to avoid potential scams. To verify if a cashier's check is genuine, start by contacting the issuing bank directly using a phone number from their official website, not from the check itself.... View More

2 Answers | Asked in Car Accidents, Personal Injury and Consumer Law for Maryland on
Q: I paid a company to put brake and rotors on my car and it caused me to hit a wall and tire damage. Can I sue?

I accrued medical expenses and tow expenses and well as getting the damaged done out of pocket

Francisco Javier Morales
Francisco Javier Morales
answered on Jul 3, 2024

Yes, you can sue the company that installed the brakes and rotors on your car if their negligence caused you to hit a wall and suffer medical damages.

To succeed in a negligence claim against the company, you would have to demonstrate that the company's improper installation of the...
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1 Answer | Asked in Bankruptcy and Consumer Law for Kentucky on
Q: Jones international University was closed in 2015 and I was left out of the discharge.
James L. Arrasmith
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answered on Jul 18, 2024

I'm sorry to hear about your situation with Jones International University. Since the school closed in 2015, you may be eligible for a closed school discharge of your federal student loans. This discharge is available if you were unable to complete your program because the school closed.... View More

1 Answer | Asked in Animal / Dog Law and Consumer Law for California on
Q: Can my vet add to my invoice from something in 2020, 4 years ago and add interest fee and late charges all in one day.

So this is the place I use to work at I left on good terms. My cat passed away 2 weeks ago I didn't have money to pay for his ashes I asked if it's okay to do payments I'll pay when I get paid next week, they said okay. So my other cat got sick me terrified that he has the same thing... View More

James L. Arrasmith
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answered on Jul 3, 2024

This is a complex situation that raises several legal and ethical questions about veterinary billing practices. Here's a breakdown of the key issues:

1. Adding charges from 2020:

Generally, a business can bill for services rendered, even if there was an initial oversight....
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1 Answer | Asked in Bankruptcy, Consumer Law and Landlord - Tenant for Kentucky on
Q: Did my landlord violate the automatic stay ?

I filled bannkrupy by myself may 17. Landlord was very much aware of my bankruptcy. Landlord filed evictions on me June the 7th with no premision from the court. I got served with eviction papers June 11. Landlord filed a motion to dismiss the eviction the day before eviction court but I still went... View More

James L. Arrasmith
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answered on Jul 2, 2024

Based on the information provided, it appears that your landlord may have indeed violated the automatic stay that goes into effect when you file for bankruptcy. Let's break this down:

1. You filed for bankruptcy on May 17.

2. The automatic stay goes into effect immediately upon...
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1 Answer | Asked in Consumer Law and Elder Law for Tennessee on
Q: Are there cases in Tennessee whereby a Power of Attorney has filed a lawsuit on behalf on their people?

The lawsuit in this case is civil, and involves an elderly person against an insurance company. The POA is representing the elderly person who has no knowledge and needed this help.

Anthony M. Avery
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answered on Jul 2, 2024

Many power of attorneys authorize the attorney in fact to file and defend suits for the principle. Read the POA for this term.

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