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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a used car dealer legally hold the title of a car I have purchased ?

Can a used car dealer legally hold the title of a car I have purchased ?

My husband bought a used car in May 2024. He paid cash for most of it with a $2500 balance left owed. Verbal agreement with dealer to pay it off ASAP. My husband became quite ill a month later and was hospitalized for... View More

Timothy Denison
Timothy Denison
answered on Oct 26, 2024

You need to hire an attorney and file suit against the car dealer for fraud under the Kentucky Consumer Protection Act.

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.

2 Answers | Asked in Arbitration / Mediation Law, Consumer Law and Banking for Kentucky on
Q: Cash app denying my dispute and not properly investigating $16,000 stolen out of my account

The the thief deposited my money directly to his account while I was incarcerated cash app is denying dispute and not investigating I don't know what to do

Timothy Denison
Timothy Denison
answered on Sep 11, 2024

You’ll need to sue both cash app and the thief.

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1 Answer | Asked in Civil Rights, Constitutional Law, Consumer Law and Employment Law for Kentucky on
Q: Department of corrections placed my fiance in The Brady center can I file an action due to him dying in the facility

I know the people that work there are supposed to do checks ever so often they didn't do so or they would have seen him brain dead he laid there so long

James L. Arrasmith
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answered on Jul 27, 2024

I understand how devastating this situation must be for you. If you believe that the Department of Corrections staff at The Brady Center were negligent in their duty to perform regular checks, leading to your fiancé's death, you might have grounds to file a legal action. It’s important to... View More

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 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, Landlord - Tenant and Small Claims for Kentucky on
Q: Can my landlord win eviction in court if he has neglected to repair sewage leaking into my apartment?

March-June, sewage has been raining into my apartment's laundry area, specifically from the apartment upstairs' toilet when they flush. There is mold, and of course human waste coming down into my unit. Landlord was notified in March and after many requests through messages, nothing gas been fixed

Timothy Denison
Timothy Denison
answered on Jun 18, 2024

It really depends on what other evidence, if any, he has and whether you were constructively evicted from your rental. You will probably at least be given a hearing.

1 Answer | Asked in Consumer Law and Civil Litigation for Kentucky on
Q: We bought a used boat. Equipment was missing when we picked up the boat. Can the seller be made to return the equipment

The sailboat ad listed the missing equipment and the survey report also listed the equipment. The seller is not returning phone calls or text messages from our broker. The cost of replacing the missing equipment would be approximately -$4000 plus.

Timothy Denison
Timothy Denison
answered on Jun 12, 2024

Yes. If it is listed in the ad, you may have a fraud claim against the seller.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a business refuse cash for payment in Kentucky?
Timothy Denison
Timothy Denison
answered on May 16, 2024

Yes. I’m not sure why they would, but it is solely up to the business owner.

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a 2007 mustang, and a day later I found out it has a salvage title on it. The dealer did not inform of anything

I had my daughter look up the vin after I got home and it showed 3 title issues as being salvage title from 11/09/2023, then showed a entry for salvage title on the date after I purchased the car, bought on the 9th, date on vin was for 10th of month, and had not even happened yet, then 4 days later... View More

Timothy Denison
Timothy Denison
answered on Apr 15, 2024

Hire a lawyer and sue the seller for fraud.

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a used vehicle from a dealership and a week later it’s having issues

I bought a truck from a licensed dealer and within the first 7 days it has a check engine light on and is throwing 4 codes all being big issues, they never stated it had any issues and are saying my warranty through them is inactive till 90 days after purchase but these are serious mechanical... View More

Timothy Denison
Timothy Denison
answered on Apr 7, 2024

Hire a lawyer, notify the bank who issued the loan and return the truck.

1 Answer | Asked in Consumer Law and Internet Law for Kentucky on
Q: Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.

I had added $500, $200, $200 and tried three times adding another $100 to pay my car insurance yesterday. Keep in mind that they keep $1 for every time you add money so the 500 was $499, the $200 I added $201 and again I added $201. Then it declined my $101 for my car insurance and said I had added... View More

James L. Arrasmith
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answered on Apr 6, 2024

It sounds like you are experiencing some frustration and confusion with the limits and policies of Cashapp. Here are a few thoughts on your situation:

1. Conflicting limit information: It does seem odd that Cashapp is displaying different weekly and monthly transaction limits in different...
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1 Answer | Asked in Consumer Law, Car Accidents and Insurance Defense for Kentucky on
Q: Vehicle was deemed a total loss, but I want to buy back the vehicle. I still owe on the loan.

The total settlement number they gave me would be more than I owe, but the salvage price to keep the vehicle would make the new amount less. I understand that would leave me with the remaining loan balance. Adjuster told me that they won’t release any funds until the loan is paid in full. I was... View More

Tim Akpinar
Tim Akpinar
answered on Mar 28, 2024

A Kentucky attorney could advise best, but your question remains open for a week. You'll probably need to go through the figures with them in more detail than is possible here. But the basic principle is that keeping the vehicle will reduce the payment. If a vehicle is old and low value, it... View More

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: If I have gifted my 19 year old boyfriend an AK-47 is he the legal owner or what steps can I take for this?
Timothy Denison
Timothy Denison
answered on Mar 14, 2024

You will need to file the ATF form to legally register the gun to him and transfer ownership out of your name.

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Constitutional Law for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To pursue criminal charges against the Kentucky Department for Community Based Services (DCBS), you should start by gathering any evidence or documentation related to the alleged misconduct. This could include emails, letters, or records of interactions with DCBS officials. Additionally, it's... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Public Benefits for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To initiate a process against the Kentucky Department of Community Based Services (DCBS) for alleged criminal violations, including potential civil rights violations under "color of law," you would typically start by documenting all relevant incidents, including dates, times, and... View More

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: If a dealer sold me an RV, that I have not taken possession of, and there is no title, do I have to take it? In Kentucky

The dealer has been less than transparent

James L. Arrasmith
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answered on Feb 23, 2024

In Kentucky, you are not obligated to take possession of an RV from a dealer if there is no title available. It is essential to ensure that all necessary paperwork, including the title, is in order before finalizing the purchase and taking possession of the vehicle. If the dealer has been less than... View More

2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

T. Augustus Claus
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answered on Feb 1, 2024

If a buy here pay here car lot caused rain damage to your vehicle while repairing it, resulting in mold inside the car, you may have legal options to address the situation. First, document the damage by taking photographs and collecting any relevant evidence, such as repair invoices or... View More

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