Get free answers to your Consumer Law legal questions from lawyers in your area.
Our water and sewer rates have gone up a lot. They have raised rates 2x this year already. This year the base rate for water has only increased 5% and the per unit has increased 105%. As far as sewer the base and the per unit rate have both increased 275%!! I've been trying to figure out who... View More 
answered on Oct 24, 2024
An Iowa attorney could advise best, but your question remains open for two weeks. Most states usually have public service commissions or public utilities commissions that oversee utilities. That might be a starting point in learning how these rates are regulated in your state, and where to turn for... View More
I have a very strong case to defend and not getting any answers now for 7 weeks.
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answered on Jul 21, 2024
If you were served a writ of Replevin for your vehicle and the recovery company breached the peace, you have grounds to defend your case. The breach of peace during repossession is a significant issue, as it violates your rights. You should document any evidence of this breach, such as witness... View More
These people pretended to be my bank and called me saying my account was compromised. Said they would move my money to a secure account and they verified info. Needless to say, I got scammed as they made several charges on my debit card and even took out a loan on my account. Idk why my bank... View More
answered on May 14, 2024
I would consult with an attorney familiar with the Electronic Funds Transfer Act. Your ability to recover may be fact specific and will likely be tied to your dispute with your bank. If you haven't disputed the transactions with your bank yet, do so immediately. I would make a written dispute.
I had my truck to add a vinyl vinyl wrap on it and have my truck lifted 6 inches and put new rims and tires. They cut my wrap short and try to piece it together in the front, it's already bubbling up. It's only been 2 and a 1/2 months since I got it back. It's already coming undone... View More
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answered on Mar 6, 2024
When facing issues with a company that has performed unsatisfactory work on your vehicle, such as a botched vinyl wrap and improper installation of vehicle modifications, seeking legal advice is a practical step. A lawyer with experience in consumer protection or contract law would be well-equipped... View More
Is it illegal for a dealership to sell you a vehicle without disclosing to you that the vehicle had a salvage title?
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answered on Feb 2, 2024
In the United States, it is generally not illegal for a dealership to sell you a vehicle with a salvage title without disclosing it, unless there are specific state laws that require such disclosure. However, it is considered unethical and can be grounds for legal action if the dealership fails to... View More
answered on Oct 5, 2023
An Iowa attorney could advise best, but your question remains open for two weeks. If there is some sound medical basis, possibly - it would be best to consult with a local attorney for guidance under local law, with more detail and context. Good luck
Coz I couldn't find help and in my own judgment if there is no one working from aisles 13 to 20+ for approximately 30min then customer must help themselves or go somewhere else what I couldn't coz I have 4 year old at home and I need air-conditioning unit asap on very hot day
They have served me papers including interest and fees.
answered on Feb 24, 2023
Maybe. Prejudgment interest can accrue at a statutory rate on the amount owed. An Attorney would have to review the complaint.
who ever had my number before keeps giving it out for every thing under the sun that they don't want to ever pay or deal with. And it has been over 10 years. Is there any thing here I can do on the legal end to stop them?
answered on Sep 28, 2022
You can talk to a local lawyer whether this constitutes harassment but you have to determine who is responsible for doing so. Or you can change your phone number.
All other creditors took filing and attorney info over the phone (call recorded by me). Bankruptcy had been final for a time when the bank in question FINALLY took the attorney's information OVER THE PHONE! While it was happening I researched the number (would not answer it, as it was... View More
answered on Aug 6, 2022
You should sue them or at the very least bring contempt proceedings against them for violations the stay.
The checks came back as fake and now my bank wants me to pay all the money back to them. I'm on Social Security Disability and can't afford to do that. Since my bank is FDIC insured, won't they get their money back that way? Am I really obligated? After all, the only true victim is... View More
answered on Sep 3, 2020
FDIC insurance covers you (the funds in your deposit account) if the bank fails (kind of like going bankrupt). As an account holder you are responsible to the bank for all checks deposited into your account. This is covered by law (under the Uniform Commercial Code) in every state, and all banks... View More
answered on Dec 23, 2019
If you added a couple of lines about what your matter involves (without including your personal information), it could be easier for the right type of attorney here to reply. The 14th Amendment covers lots of ground, from due process to equal protection. That means it could touch the expertise of a... View More
I did not find any emails from them until I looked at my spam so it looked like I was avoiding them. I informed them by email that I was waiting for my tax return because I saw that there was a one-time Maintenance increase for an owner agreed on repairs. I have asked them to work with me but... View More
answered on Jun 5, 2019
If they never sent you paper bills, you may have an argument that they did not give you notice. If that does not work, you may have an attorney negotiate with the collection agency. Most timeshare companies use the same collection companies. I've found that they'll typically negotiate on... View More
I don't need help, BUT.... I’m in Iowa. Lately, I've gotten into heated arguments w/”Greeters" at several different Walmarts in three different towns, after seeing them stop customers & SEARCH through their items that have already been paid for as the shoppers attempt to... View More
answered on Aug 9, 2018
Here is a law review article from 2009 discussing this issue
http://commons.law.famu.edu/cgi/viewcontent.cgi?article=1079&context=famulawreview
answered on Apr 16, 2018
If you signed or co-signed as guarantor debt or have some legal obligation to pay them, there is no recourse. However, if you have been garnished for his bills and arenot liable for them, you can bring a wrongful garnishment suit against those creditors.
What kind of attorney do I need to hire?
answered on Apr 15, 2018
You need an attorney that practices consumer fraud law. Specifically, Iowa Code 714H, Iowa's consumer fraud statute, is probably your best bet.
I was sold a car and the dealership committed fraud and lied in their contract. The contract is worth 18,000. I want to retrieve $5,000 from them and also want the debt of the contract to be gone. Can I do this if the small claims court max is $5,000?
answered on Jan 11, 2018
If you have good evidence of fraud, there's no reason to limit yourself to small claims court. You should instead pursue a claim in regular district court under Iowa's private consumer fraud act, Iowa Code Chapter 714H. I have information about that law on my website. Iowa Code Chapter... View More
We both signed, and a judge signed, the stipulation for our divorce, and it literally states "(she) shall be awarded the 2012 Cruze automobile free and clear from any claim of (me) and she shall assume any indebtedness thereon, holding (me) free from any liability thereon".
2... View More
answered on Dec 17, 2017
You can file with the divorce court an application for her to show cause why the Court should not hold her in contempt. You can ask the Court to award you attorney fees but during the pendency of the action you will have to pay your own lawyer.
I have an app on my phone that records all my phone calls. I've recently been harassed and threatened. Can I use those recorded calls in court even though I didn't have the other persons consent or knowledge of the call being recorded?
answered on Oct 25, 2017
Generally speaking so long as one person to a conversation has given permission, the call can be recorded. If recordings are legally obtained, so long as there is not another reason, the evidence is admissible.
I noticed what appeared to be a rash on Monday June 26, by Friday I was itching all over. I was sitting on the floor in the bed room and this bug crawled across my dark pants, I killed it, looked it up on the internet, it looked just like a picture of a bed bug. I called the apartment manager and... View More
answered on Jul 7, 2017
Yes, but it's on you to prove the bed bugs came with or from the furniture and not from a guest, etc.
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