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Ohio Consumer Law Questions & Answers
0 Answers | Asked in Consumer Law, Banking and Collections for Ohio on
Q: unknown to me the checking account was "backed up" by Visa for overdrafts. I have not used either account in years.

Visa billed the checking account which caused an over draft. The overdraft was covered by a cash advance from Visa. Thus Visa was "paid". This cycle repeated monthly until I was made aware. A year ago I saw an overdraft of several thousand and filed a "fraud" complaint because I... Read more »

0 Answers | Asked in Consumer Law and Landlord - Tenant for Ohio on
Q: Can a landlord cash a deposit check for an apartment that's not ready, no move in date set, no leased signed and still a

Advertised the apartment the 29 days she had my check. Refused to give me any information on when it would be ready. Got a job opportunities to move

0 Answers | Asked in Banking, Consumer Law, Contracts and Education Law for Ohio on
Q: Is it law in ohio to pay out vehicle value or what vehicles selling for in area?

In Ohio, Totalled Car..ins Co says they only pay out what car is selling for in that area instead of actual value, I sent them in the Nada value ans the Blackbook. My car would sell for over 11k it's value at 8500. Insurance only want to give ke 6k if they keep car and 5500 if I keep car. They... Read more »

0 Answers | Asked in Consumer Law for Ohio on
Q: My HOA is guilty of selective enforcement of covenants. What do I do? I don't want a legal battle.

I want to install the same type of fence in my backyard that my next door neighbor installed last yr. Since their fence runs all along the one side of my property I thought I would just install the same fence on my other 2 sides & completely enclose my backyard. This is a 4' tall black... Read more »

3 Answers | Asked in Bankruptcy, Consumer Law and Small Claims for Ohio on
Q: Debt collector is suing me in court in indiana. I currently live in Ohio. I havnt lived in Indiana since 2015.

They want me to set up payment or go to court. I can’t go to court it’s 7 hours away can’t take off of work. Is there anything I can do or can I just ignore it?

David Luther Woodward
David Luther Woodward answered on Apr 5, 2022

Talk to a bankruptcy lawyer in your community to help you evaluate your options.

Good Luck

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1 Answer | Asked in Consumer Law and Banking for Ohio on
Q: I went to deposit 2 checks into my bank. I’ve had the account for at least 10 months. They’re holding my checks 10 days.

Is this even legal? I’ve got bills to pay. Family to feed. I deposited 3/25/22 and was told there’s a hold on it until 4/4/22.

Matthew Williams
Matthew Williams answered on Mar 28, 2022

Holds on checks are not uncommon and legal, particularly if the check is out of the ordinary for the account. A check is not money, it is a promise to deliver money. When you give a bank a check, it has to clear through the federal reserve system before your bank actually gets the money from the... Read more »

1 Answer | Asked in Consumer Law and Small Claims for Ohio on
Q: Do I have any rights to void an agreement? Signed an agreement with an unlicensed contractor for repairs

He won't give me the receipts that I already paid him half upfront that was in the agreement, but also he lied telling my bf how much he would get for work.

Bridget Sciscento
Bridget Sciscento answered on Feb 1, 2022

You may have a claim for breach of contract and/or a claim under the Ohio Consumer Sales Practices Act. You have not given a lot of details such as if the contractor has completed the work that you have paid him for. I would suggest reaching out to an attorney for an initial consultation.

1 Answer | Asked in Consumer Law and Small Claims for Ohio on
Q: Signed an agreement with an unlicensed contractor to do repairs on from a fire and come to find out hes not licensed. C

Can I cancel the agreement? And he won't give me any receipts that I paid him up front...and he also lied about the amount he promised my bf working for him. We were helping him out with letting him have the job and getting his name out there and he tried to pull one over on we have... Read more »

Nicholas P. Weiss
Nicholas P. Weiss answered on Jan 27, 2022

Yes. If you've paid him, but only because he told you he was licensed, then the contract was induced by fraud. Take note that if he did any work, you may have to provide some kind of compensation.

This may also be a violation of Ohio's Consumer Sales Practices Act.

1 Answer | Asked in Consumer Law and Contracts for Ohio on
Q: If I cosigned for a for my aunt under fear and it has been 5 months ago can I report it stolen

I just want to get my name off the car

Nicholas P. Weiss
Nicholas P. Weiss answered on Jan 2, 2022

Can you provide a little more information?

1 Answer | Asked in Consumer Law and Health Care Law for Ohio on
Q: My husband has Stage 4 prostate cancer, and we have several credit cards. We can’t afford to pay them.

Avoid bankruptcy - many medical expenses - Would you know what would happen if we just wrote a letter explaining our situation?

Andrew Popp
Andrew Popp answered on Oct 4, 2021

You may not be able to avoid bankruptcy, that's what it's there for. You can contact the credit card companies to see if they would be willing to work with you. Otherwise, a debt consolidation service may also be of assistance.

Best of luck.

1 Answer | Asked in Consumer Law for Ohio on
Q: I have a receipt with a zero balance for a freezer bought from a store.

The store says they deleted the payment two hours later and I still owe them.

I have a different credit card now and can’t get the statements from that card.

Does my zero balance receipt work as payment in court

Matthew Williams
Matthew Williams answered on Sep 29, 2021

I'm sure the court will look at the receipt but the store may well have evidence that they reversed the transaction after the time of the receipt.

1 Answer | Asked in Consumer Law, Criminal Law, Banking and Federal Crimes for Ohio on
Q: Am I in a legal obligation to give the money back

The other day I went and made a withdrawal from Checksmart and the woman who did my transaction gave me $675 and then gave me a receipt with my transaction my old amount my transaction amount and my new balance. After that she gave me the $675 in cash and when I got home she called me and told me... Read more »

Andrew Popp
Andrew Popp answered on Aug 31, 2021

Yes, you have an obligation to return the money.

1 Answer | Asked in Consumer Law, Contracts and Collections for Ohio on
Q: Stop payment on plumbing service

Our basement flooded and we received an estimate for work. We signed the estimate and we’re told it was “no problem” if we changed our mind. We told the company we were getting other estimates and to stop all work. They did an hour of work. We received other estimates that were 75% LESS than... Read more »

Bruce Martin Broyles
Bruce Martin Broyles answered on Aug 26, 2021

Many credit card companies provide you with an option to dispute any charge on your card.

As soon as you dispute the matter, the credit card company with "chargeback" the amount from the Plumbing Company. The credit card company will then attempt to resolve the issue and...
Read more »

1 Answer | Asked in Consumer Law and Lemon Law for Ohio on
Q: How do I know when it's time to get a lawyer related to a consumer issue? Bad flooring, now on second repair.

Company sometimes doesn't answer their phone. I want my entire floor replaced. I'm tired of having repairs.

Matthew Williams
Matthew Williams answered on Aug 13, 2021

It sounds like it probably is time to contact a lawyer right now.

2 Answers | Asked in Consumer Law, Contracts, Products Liability and Banking for Ohio on
Q: Can a contract clause absolutely eliminate or waive a citizen's right to a trial by jury?

I have noticed this clause in many end user agreements such as computer and phone software, product and service warranty terms, various financial applications, etc. It is always one-sided (written by the provider) and directed at the buyer. Sometimes these terms include mandatory use of a (or... Read more »

Joseph Jaap
Joseph Jaap answered on Aug 2, 2021

Right to a jury applies to criminal matters, not civil cases like business contracts. Rights to a jury in civil cases depend on state law, and can usually be waived as a matter of contract. That's why those waivers appear in so many business contracts.

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1 Answer | Asked in Consumer Law for Ohio on
Q: Can a car dealership keep your down-payment. After a loan has been canceled ..not a repossession but a cancelation..

The dealer has the car has been canceled by lender..but no refund of downpaynt

Matthew Williams
Matthew Williams answered on Jul 27, 2021

You would need to read the contract to see whether or not the down payments is refundable.

1 Answer | Asked in Consumer Law for Ohio on
Q: If my vehicle was broken into at an auto repair shop are they responsible for the stolen property?

There was about $750 worth of items stolen out of the vehicle while it was in their possession. They did not lock the vehicle

Hunter G. Cavell
Hunter G. Cavell answered on Jul 17, 2021

I would demand that the repair shop reimburse you, or make a claim on its insurance. They may have a garagekeepers provision for this. The other option is to notify your insurance, and they may reimburse you and seek subrogation. Contact an attorney to talk about drafting a demand letter or... Read more »

1 Answer | Asked in Construction Law, Consumer Law and Small Claims for Ohio on
Q: I use Ogx by Johnson and Johnson. I seen the law suit,How do we go about joining law suit

I have been using this product for multiple years and have had significant hair loss

Andrew Popp
Andrew Popp answered on Jul 9, 2021

I suggest contacting the law firm(s) who filed the class action so they can make sure you are included. From the Pleadings, I see the firms are:

1. Shub Law Firm in Haddonfield, NJ

2. Sciolla Law Firm in Philadelphia, PA

3. Whitfield Bryson in Raliegh, NC.

Read more »

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