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1 Answer | Asked in Consumer Law for Virginia on
Q: Do PNC Cashapp and PayPal have any liability for failing to identify fraudulent transactions on their platforms?

On September 3 we realized that our bank account had dropped in value by more than expected through our normal use of the account. Our research showed that more than $40,000 had been taken by unauthorized users (almost 50 based on our understanding of PNC account statements) over a period of... View More

David G. Parker
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answered on Oct 29, 2024

If you are the victim of theft or fraud you should report the situation to your local law enforcement agency. If they take no action, you can follow up by trying to meet with the local Commonwealth's Attorney's Office. As far as civil litigation goes, yes there is potential liability.... View More

1 Answer | Asked in Consumer Law and Lemon Law for California on
Q: I bought a 2016 Honda accord has major issues and I owe 19 000 what to do

As stated above my car doesn't qualify for lemon law i don't know what to do is there anything I can do ?

James L. Arrasmith
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answered on Oct 23, 2024

I'm sorry to hear about the troubles with your Honda Accord. Even though it doesn't qualify for the lemon law, there are still steps you can take to address the situation.

First, consider reaching out to your lender to discuss your financial options. They might offer refinancing...
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1 Answer | Asked in Consumer Law and Banking for California on
Q: What is the statue of limitations to sue a bank for denying a fraud claim for an unauthorized electronic funds transfer?

It happened 2 years ago out of my personal checking account.

James L. Arrasmith
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answered on Oct 23, 2024

In California, you generally have three years from the date of the unauthorized electronic funds transfer to file a lawsuit for fraud. Since the incident occurred two years ago, you are still within the statute of limitations to take legal action against the bank. It's important to act... View More

1 Answer | Asked in Consumer Law, Contracts and Civil Litigation for California on
Q: Bought a car and the contract says Cash Equivalent, Check, Credit Card, or Debit CardTotal Downpayment $12,000

I paid cash for the full price of the car but the dealer only listed 12,000 and said I financed 14,000 I asked them to change it and they said it’s no big deal not to worry what can I do?

James L. Arrasmith
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answered on Oct 21, 2024

You should first carefully review the contract you signed to understand all the terms and ensure there are no hidden fees or conditions related to the financing amount. Compare this with your actual payment to identify any discrepancies. If the contract lists a financing amount you didn't... View More

1 Answer | Asked in Consumer Law, Contracts, Collections and Small Claims for Pennsylvania on
Q: Verizon charging me $1246 after not informing me that I was going to be charged if switching carriers.

I signed up with Verizon, got 2 free phones from them, stayed with them 9 months, the days I signed up, I was never told that I had to pay for my phone in case of leaving, I decided to move to another carrier, I went to verizon store asked for transfer pin that was needed for the new phone carrier,... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Oct 20, 2024

The contract you signed with Verizon was a service contract which included the price of the phones. When you transferred carriers, you still owed for the phones. It doesn't matter what anyone told you, it's the written service agreement that counts.

1 Answer | Asked in Consumer Law, Business Law and Collections for Mississippi on
Q: I'm being sued by discover bank on a credit card debt I experienced a financial hardship and was unable to pay.

When I tried to pay them there was this ridiculous amount they requested as a minimum and wouldn't allow me to pay what I could at the time.

Barry W. Kaufman
Barry W. Kaufman
answered on Oct 20, 2024

I don't see anywhere that you asked a question. You are correct - they are not going to accept as a minimum payment, anything that you can pay. A minimum payment is the minimum required for your account to remain current, or to not progress to the next step in the collection process. If you... View More

1 Answer | Asked in Arbitration / Mediation Law and Consumer Law for California on
Q: what are the statutes of limitations for negligence and mis representstion towards the consumer in california
James L. Arrasmith
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answered on Oct 20, 2024

In California, if you believe you've been wronged through negligence, you generally have two years from the date of the incident to file a lawsuit. This period starts when the injury or damage occurs, so it's important to keep detailed records of what happened and when. Missing this... View More

2 Answers | Asked in Consumer Law for California on
Q: Can I upload a loan document to verify its authenticity?
William John Light
William John Light
answered on Oct 19, 2024

Unclear whose loan document it is, whether you have any right to possess it, or disclose it; whether there are any privacy rights of third parties involved, how "uploading" verifies the document, what the terms of service of this unknown website are, how long it retains the document you... View More

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2 Answers | Asked in Consumer Law for California on
Q: I need to verify if a loan document is real or a scam. scam.

Can I upload the document to be verified, I have no money to pay for it.

Scott Richard Kaufman
Scott Richard Kaufman
answered on Oct 31, 2024

If you have no personal connection to this loan company I'd think

it's a HUGE risk. Just the question you are asking sets off alarm bells.

I'd RUN away FAST...

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1 Answer | Asked in Consumer Law, Civil Rights and Landlord - Tenant for Georgia on
Q: We disagree with signing a 54 page document that a corporate leasing company has sent us. What can we do?

If we sign this lease we are waiving our rights to take this corporation to court in any way, shape or form. If we don't sign this lease we will be held to a month to month lease at a much higher rate or evicted.

We just discovered the FTC rulings against this business and HB 404 (in... View More

James L. Arrasmith
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answered on Oct 19, 2024

You have several options to consider in this situation. First, carefully review the lease terms with a trusted attorney to understand the implications of signing versus not signing. It’s important to know your rights and any potential consequences fully.

Given the FTC rulings and HB 404...
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1 Answer | Asked in Consumer Law, Contracts and Personal Injury for Pennsylvania on
Q: We had a sewage leak that created a poop pond in Pennsylvania is he required to have it hazmat cleaned now I'm very sick

I have pictures and photos for the least we are to notify him of anything that is broken or has a problem and I have and I have the text messages he sends people but doesn't follow up or follow through with whoever he contracts and now he doesn't care that I'm getting sick and been... View More

Stephen Murray
Stephen Murray
answered on Oct 18, 2024

It sounds like you’re in a tough spot, dealing with a serious health and safety issue due to that sewage leak. First off, if you’re getting sick from this situation, it’s important to seek medical attention immediately, and document everything—doctor visits, symptoms, and anything that... View More

1 Answer | Asked in Consumer Law for Texas on
Q: Can I sue Cash America and EZ Pawn for using rigged tools to measure diamonds?

Pawn shops use rigged measuring tools to purposely inaccurately measure precious stones and give you the lowest amount possible so they can sell for higher

John Michael Frick
John Michael Frick
answered on Oct 18, 2024

Yes. If you went to one of those pawn shops to sell your diamond and they used rigged tools to inaccurately measure those diamonds and gave you a lower amount, you can likely sue for the difference and potentially for additional damages up to twice that difference under the Texas Deceptive Trade... View More

1 Answer | Asked in Consumer Law, Contracts, Civil Litigation and Insurance Bad Faith for Virginia on
Q: I'm in a complex case and may need to join both insurance company's under new laws of bad faith vs at fault driver.

My insurance company did not do due diligence, withheld repair quotes that meant my car was not a total loss. Told me could only provide rental for 1 week after low ball offer, that they never corrected.

At fault drives ins company used "policy limits" to not pay, increasing my... View More

Tim Akpinar
Tim Akpinar
answered on Oct 27, 2024

A Virginia attorney could advise best, but your question remains open for two weeks. It sounds like you are dealing with an adversary with very low policy limits. If that's the case, you could explore your own policy's underinsured motorist provisions or look into viability of filing... View More

3 Answers | Asked in Consumer Law, Civil Rights, Education Law and Public Benefits for California on
Q: IEP, OC Regional center, IHSS? Where do i begin...

On behalf of disabled son whom is a minor. Currently on IHSS 33hrs p/mo for para medical due to sever asthma, PROTECTIVE SUPPERVISION, i ended up leaving my job to adequately care for my son as his needs have been greater with each passing day. Best option is for me to care for him. IHSS case... View More

Michelle Alissa Ball
Michelle Alissa Ball
answered on Oct 16, 2024

This is a very complex question and depends on the individual facts. The IEP process is the place to address school services, in home education (for a homebound student), related services etc. from the public school district. If they won't qualify him, you can challenge that by asking for an... View More

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2 Answers | Asked in Consumer Law, Banking and Elder Law for New York on
Q: .Need Attorney with Banking and Foreign transfers of funds experience. Transfer $100K pending by Bank with U.S. Charter

Bank threatened to return my legal account Funds to Country of origin to repeat release process. BANK OPS DIRECTOR coming to NYC to meet me. Need Lawyer at this meeting! Manhattan location.

Jack Mevorach
Jack Mevorach
answered on Oct 16, 2024

Who transferred to who? From which source? Where are the funds now? What amount? Jack

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1 Answer | Asked in Bankruptcy, Consumer Law, Criminal Law and Immigration Law for Virginia on
Q: Credit card debt. Is the case active as per the case details below?

Credit card maxed out by doing balance transfer amount is 4000$.

left USA as wife lost the job.

I was using the same credit card for 3 years in the past.

Warrant in debt filed after 3 years I left the country.

Hearing happened the same year but I was not in the... View More

James L. Arrasmith
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answered on Oct 16, 2024

Based on the information you provided, it appears that your case is no longer active. The judgment stating "case dismissed" and "judgment vacated" typically means that the court has closed the case in your favor. Since it's been over ten years and the case has been... View More

4 Answers | Asked in Car Accidents, Consumer Law, Contracts and Banking for California on
Q: On March 31, my son hit the car in front of him, and the other party pressured him to pay via Zelle on the spot without

On March 31, my son hit the car in front of him, and the other party pressured him to pay via Zelle on the spot without providing a repair estimate. Afterward, they requested more money through text messages, and my son made a bank transfer that same day. However, he immediately tried to cancel the... View More

Leon Bayer
Leon Bayer
answered on Oct 15, 2024

As far as the bank is concerned, they simply followed your son's instructions. If he got scammed, it's not the bank's fault. You don't get to have the bank pay you back.

Worthy of consideration is that your son caused damage to the other car, and the other is owned by...
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3 Answers | Asked in Bankruptcy, Consumer Law, Criminal Law and Immigration Law for Virginia on
Q: what should be done to avoid criminal proceedings or any other proceeding for credit debt default judgement ?

Credit card maxed out by doing balance transfer amount is 4000$

I was using the same credit card for 3 years in the past

I have moved out of USA as wife lost job

Warrant in debt filed after 3 years I left the country

Hearing happened the same year but I was not in... View More

Martha Warriner Jarrett
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answered on Oct 15, 2024

From the facts that you give, it is likely that the statute of limitations has expired and that the creditor can no longer collect on any debt. However, if the creditor got a judgment against you, because you didn't appear, then the judgment may still be valid and collectible if and when they... View More

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1 Answer | Asked in Personal Injury, Consumer Law, Contracts and Civil Litigation for Florida on
Q: Is it illegal to record your conversations with a car dealership in person without notifying them? In a 2 party state.

If I ask them to read the contract I signed for me. Can I secretly record that without telling them. If it’s not possible. Should I just go and inform them I’m recording. Even though they might get suspicious and lies.

Robert Edward Heyman
Robert Edward Heyman
answered on Oct 29, 2024

Under Florida Law, recording someone without their knowledge or consent is a 3rd Degree Felony. Don't Do It.

1 Answer | Asked in Consumer Law and Banking on
Q: Is it illegal to make checks for your account instead of ordering them from the bank,or is it illegal to use them ?

My bank didn't have a branch in my home state but said they did when I had a 30000.00 check to cash or open account with are they liable for any coincidental damages like the cost of my plane and hotel expenses now that they demand I close my account even if I have a way to close it through... View More

James L. Arrasmith
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answered on Oct 13, 2024

Using checks that you create yourself instead of ordering them from your bank can lead to complications. Banks typically provide authorized checkbooks to ensure all necessary banking information is correctly included. Creating your own checks might result in them being rejected or flagged for... View More

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