Get free answers to your Consumer Law legal questions from lawyers in your area.
Two years ago, we hired a contractor to repair our roof due to storm damage. The contractor requested our insurance quote and assured us that the work was covered, so we didn’t get a bid or sign a contract. The work was completed without any payment or further communication with the contractor or... View More 
answered on Apr 18, 2025
Forward the quote to your insurance and see if they will pay it for you.
While staying at a bed and breakfast, I drove a golf cart owned by the establishment. After parking it, the cart rolled back and collided with a truck. I did not sign any waivers or responsibility acknowledgments about liability before driving the golf carts, and there were no signs or verbal... View More
answered on Apr 16, 2025
Don’t pay it or respond. If you didn’t sign the agreement, you’re not bound by it. Make them sue you and force them to use their insurance.
I live in Kentucky, and my boyfriend was charged with shoplifting and identity theft in Pike County. He was released on bond but missed his original arraignment and was later picked up in Perry County on a parole violation warrant. He is now in Perry County jail, facing no charges there, but... View More
In February 2023, I purchased a 5-year-old car with a $2,500 down payment. Over three years, I paid more than $15,000, but due to a 24% finance charge, the total cost amounted to $30,000. I was not given a warranty because of the car's age. Recently, I found out a tracking device was installed... View More
I recently found out that the dealership placed a tracker on my car without informing me at the time of sale, even though there was a contract. The car was repossessed from my driveway, and I didn't know about the tracker until I watched a video two days ago. I haven't reached out to the... View More
answered on Apr 7, 2025
Depends on how the tracking unit got there and the reason it was there. Generally speaking, you may have a case against them.
I was involved in an incident at Walmart where I was scanning items while my fiancé was bagging them, and I accidentally didn't scan some food items. Walmart called the police, and I've been told that I will receive court papers in the mail. I've never been in trouble with the law... View More
answered on Apr 2, 2025
They will most likely divert your case as a first time offender and it should ultimately be dismissed.
I was told verbally, in emails, and through the contract that my apartment complex had a non-smoking policy that was strictly enforced. However, I later found out this was not true. This false representation was the sole reason I decided to move into the complex. I sent numerous emails to address... View More
answered on Mar 27, 2025
You will need to name the employee defendant as well as the employer.
My medical insurance covers transportation to my doctor every morning through Green Cab in Louisville, Kentucky. On multiple occasions, my assigned driver has attempted to drive under the influence. I have reported this to Green Cab, but the issue persists, causing me to be late or miss... View More
answered on Mar 25, 2025
Next time you believe he is under the influence, call the police instead.
I recently purchased a property with a cell tower, and I was unaware of a perpetual lease held by another company. There were no disclosures regarding this lease in our purchase agreement or deed. The company that holds the lease is unlikely to sell their rights back to us. Our lender conducted a... View More
answered on Mar 24, 2025
If it was not disclosed, you may be able to make a claim against your title policy and/or the seller. If the cell phone company’s right of use is not recorded, you might possibly be able to terminate the lease.
I purchased a car on February 4, 2025, from Tim Short Auto Group in Lexington, KY. On February 16, 2025, the car was hit while parked and totaled. My insurance company cannot process my claim because the dealership still has not processed the original title from the previous owner to themselves,... View More
answered on Mar 25, 2025
Yes. You have a case against them. You should hire a lawyer and file suit.
I opened an account with Atlas Bank app six weeks ago and set up direct deposit, receiving around $1,200. When I tried to withdraw the money, they froze my account, demanding ID verification. Despite providing several images and a temporary ID, they refused to unlock my account for more than a... View More
answered on Mar 16, 2025
Not legal unless you have some prior indebtedness to Atlas Bank. Hire a lawyer to sue them and report them to the Kentucky Banking Commission.
I was pulled over in Kentucky with expired tags for two years and no insurance. The officer cited me for these violations. I have no prior violations, and although I am getting insurance today, I don't have the funds to renew my tags. What are my options, and what potential penalties am I facing?
answered on Mar 16, 2025
If the tags are corrected, they will likely be dismissed. If you did not have insurance, that will likely be a $500 fine and court costs, part of which may be suspended by the Court. No insurance is also an enhanceable offense, which means if you get another No Insurnace charge within five years... View More
I'm in a situation with a "buy here pay here" dealership where they are threatening to take back my car. I am not behind on payments, but there have been ongoing issues with the car. The dealership offers a VIP package that includes repairs, but they have refused to fix the... View More
In March 2024, my car (a Cadillac) was illegally towed from a business parking lot in Cave City, KY, with no signs indicating no parking or tow-away zones. The towing company, Alvey's Towing, was rude and only mentioned they received a call to tow my car. They demanded my car key to return my... View More
answered on Mar 14, 2025
You will have to pay the tow fee. Otherwise, you will have to go to court.
I bought a car through Facebook from someone who turned out not to be the real owner, as he had title jumped the vehicle. In writing, he promised a refund for any major mechanical issues, but now neither he nor the real owner wants the car back. The car has a slipping transmission, which... View More
answered on Mar 14, 2025
You will not face any legal issues but you should probably hire a lawyer and sue both the seller and the owner for fraud.
I've disputed the fact that Kentucky Power attached a power bill for my brother's address to my power bill, claiming I agreed to pay it. I've never consented to this responsibility, nor was there a written agreement. Despite my dispute, they insist on the attachment. What can I do to... View More
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answered on Apr 12, 2025
It sounds like Kentucky Power is making an error by attaching your brother’s bill to your account without your consent. First, you should formally dispute the charge in writing, providing a clear explanation that you did not agree to take responsibility for the bill. Request that Kentucky Power... View More
I purchased a truck for $5,000 three weeks ago, and the seller knew the transmission was failing. Before buying, he advised me to have it inspected, claiming he would fix any issues. Upon inspection, I found out that repairing the transmission will cost $6,300, as there are metal pieces in the... View More
answered on Mar 7, 2025
I would first write to the seller asking him to repair the truck via the verbal agreement. If he fails to repair it, you can sue and with three witnesses, might give you a pretty good case.
I received a quote for an air conditioner installation from a company, with an expected cost between $5,000 to $7,000. Instead, the quote altered to an unrealistic $10,000 to $27,000, which was beyond my capability. I did not agree to this and did not sign any contract. The company claims they... View More
answered on Feb 25, 2025
Don’t pay it and wait h for them to sue, then you can counterclaim for fraud and lack of authorization to install.
My car was totaled in an accident caused by another driver, and it had two lienholders on the title. The first lienholder was paid by the other driver's insurance company, but instead of paying the secondary lienholder, the insurance company sent the money directly to me. I used the funds to... View More
answered on Feb 17, 2025
Contact the second lienholder and see if continued payments are acceptable. In any event, you are solely liable to the second lienholder as you used their secured funds to purchase the new automobile.
My fiancé sold a vehicle to a buyer, and the buyer arranged for a tow truck to come to our home to pick it up. The buyer needed a jump box, and when asked, my fiancé assisted by using the tow truck driver's jump box. The buyer paid the tow truck driver, but the driver also requested payment... View More
answered on Mar 11, 2025
Your fiancé may have legal grounds to dispute the payment, as he did not request the tow truck's services and had no contractual obligation to pay. To address the situation, he should gather all relevant documentation, including receipts, communications, and any witness statements confirming... View More
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