After several visits and over $2500 spent on what they said was wrong, it was just a $179 thermostat that was bad. What are my options?
answered on Feb 28, 2023
(1) File a complaint with the Maryland AG's Office of Consumer Protection; https://www.marylandattorneygeneral.gov/Pages/CPD/Complaint.aspx
(2) File a complaint with the MD Dept. of Labor, which licenses HVAC companies and has a complaint process;... View More
answered on Feb 14, 2023
Read your contract. The fine print. Did they promise you a specific vehicle by VIN#? Does the contract say they may get you an equivalent vehicle and may choose to sell the specified car to someone else? Does the contract say your sole remedy is return of your deposit or acceptance of a similar... View More
This is for car insurance. Bank statements and the Allstate app for customers show that the account has been over charged. They are threatening to cancel the policy if additional payment is not made immediately.
answered on Feb 21, 2023
With any billing question it may be helpful to first review in detail the fine print of the insurance contract and/or ask the person/company imposing the charge to show you where in the contract gives the right to impose such a charge. For example, a contract might impose an "installment... View More
By the way, I read that a debt collector per the State of MD cannot collect on a debt that is more than 3 years old. The debt is over $2,000 but they (Lake City Credit) will settle for $300.
answered on Jan 19, 2023
The statute of limitations for debts is 3 years, meaning a lawsuit must be filed within 3 years of the debt becoming due, or the debtor can move to dismiss the court action as beyond the statute (limitations is an "affirmative defense" that must be raised by the defendant or it is... View More
I signed for a Bootcamp in Baltimore on September 2022, I didn't realize they had a renewal clause in the agreement which I signed. I signed only for a month and I stopped going to the bootcamp.
Now, on December I received a charge on my credit card for 1.600$ from the bootcamp.... View More
answered on Dec 28, 2022
Without reading the contract terms and reviewing any consumer protection statutes that might apply to your situation, it is difficult to fully evaluate what legal rights you may have to contest the renewal directly. For instance, healthclub memberships are not allowed to contain automatic renewal... View More
He did not hire anyone and tried to do it by himself and one assistant. Unfortunately, no contract was signed, and the original agreement was $11000. I have already paid him $8000 plus a $500 Home Depot gift card for extra materials that he needs (in case I am not available). He did not put on a... View More
answered on Nov 26, 2022
Let's start with the legal issues first:
(1) Did the contractor pull a building permit for this job, if one was needed? How high was this wall supposed to be (walls over a certain height require a permit)? It is the non-delegable duty of the contractor to obtain all permits and pass... View More
answered on Nov 2, 2022
If by "declined tabs" you mean, unpaid tabs or declined credit cards that left the tab unpaid, then yes. Truth is a complete defense to a defamation (libel) claim, if the named party on the tab is feeling humiliated by being called out in this manner. A "Wall of Shame" has... View More
I have $45000 in debt, a "debt resolution" lawyer is telling me to enroll on their program. Their fee is $500 per month for 36 months for a total of $18000. He said once the program is completed Ill be debt free. Im very skeptical of how would I be debt free if I am only paying their... View More
answered on Oct 20, 2022
Once you accumulate a certain amount of money, they will negotiate with your creditors to accept that amount in full resolution of the debt. However, in the meantime, you will be in arrears (not paying), which will affect your credit. Obviously, the debt resolution company keeps a portion of that... View More
I was told that I have no choice but to obtain a real ID license.
When I asked what legal authority mandates that I get a Real ID license, the manager browsed his computer for approximately ten minutes, then said he would issue me a 45 day temporary license to think about it.
He... View More
answered on Oct 17, 2022
It is a requirement under federal law:
https://mva.maryland.gov/Pages/realid.aspx
The case is for credit card debt. Are there any typical reasons they would voluntarily dismiss the case without judgement?
answered on Sep 20, 2022
If the dismissal is "without prejudice" then they can re-file suit so long as they do so within the original statute of limitations, which is 3 years in Maryland for typical credit card debt. The 3 years begins to run from the date the last payment under the credit card agreement became... View More
Nissan said that part won’t be available for 6 mos. To a year. I am a college student & need a car & can’t afford to lease one , yet still have to make payments on a car I can’t drive
answered on Aug 11, 2022
You would need to review the terms and conditions of your warranty. It will spell out your rights. You can also ask Nissan or the dealership to give you a loaner vehicle until your car can be repaired.
We were under contract to purchase our first home. The lender asked for a second extension on the closing date. The Seller was not happy but agreed under the terms that we would forfeit our earnest money deposit if closing did not happen. Our lender assured all parties involved that he only... View More
answered on Jul 11, 2022
Not likely. In Maryland there is a reported case called "Jacques," (my spelling may be off) which describes the standard of care owed by a lender to its prospective borrower. Whomever you consult should pull this line of cases for discussion.
Trying to buy a Service Vehicle: Car got loaned out while I am waiting to finish the purchase.
I went to buy a service vehicle from Annapolis Hyundai. I liked the car decided to continue with the purchase. I signed a printed paper with the cars VIN, price, and other details. No sentences... View More
answered on Jun 15, 2022
Express your dissatisfaction to the sales manager; ask for a discount for the extra miles and wear and tear on the car; or cancel the purchase if whatever you signed allows you to cancel (it is unclear whether you signed a binding contract to purchase or not). Maybe ask to purchase a different car... View More
house and left the sculpture for the new owner. Do I have the right to reclaim my sculpture? I live in Montgomery County MD and that is where the sculpture is too.
answered on Apr 6, 2022
Can you prove it was a loan and not a gift? Is there a claim that you gave up ownership through abandonment of it? Your friend who sold the house in all likelihood did not inform the buyers that the sculpture was not part of the sale and did not convey--in fact, your friend may even have... View More
answered on Mar 28, 2022
I am also a MD broker, and we have had this question from many of our clients, over time. The answer is entirely dependent on what the review says, and the circumstance. But it is extremely unlikely that you would ever recover non-economic damages. Have you exhausted your remedies with Google? Have... View More
My dad was given a summons for me today for a debt that is now past Maryland’s 3 year statue of limitations on credit debt collection. However even though the summons was just issued on March 8th, 2022 it states that they filed in July 2019. How am I just being served and is this legal? Does the... View More
answered on Mar 19, 2022
The statute of limitations is satisfied once the lawsuit is filed. So long as the lawsuit was filed within three years, the statute of limitations was satisfied. In addition, some contracts are under seal in which case the statute of limitations is 12 years.
pending against me. If I ask them for proof and they don't give it to me should I just block the number?
answered on Mar 15, 2022
If you are being sued in Maryland, you can look up your cases on Maryland Judiciary Case Search. All civil lawsuits in state court should appear.
I received a call from two different companies about a debt that is not mine. How can I find out if I'm dealing with identity theft or a scam?
answered on Mar 15, 2022
It very well could be a scam. Do not provide any personal information. Tell them to send proof of the debt by regular mail.
answered on Feb 16, 2022
You can sue the unlicensed contractor for the money. An unlicensed contractor can even be sued for money paid for services performed since he was unlicensed.
You can also file criminal charges for theft and working as a contractor without a license. The court can order restitution as part... View More
Unlicensed contractor owes me thousands and I believe stole money and medication from me
Also claimed to be licensed and insured!!!
answered on Feb 14, 2022
If this was a home improvement project (construction work/remodel on your residence) then file a complaint with the MHIC. You cannot get any money from them, but they will bring criminal charges against the unlicensed contractor, and the judge in the criminal case can order monetary restitution... View More
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