Get free answers to your Consumer Law legal questions from lawyers in your area.
I have been attempting to delete my profile and data from a UK-based company after my account was compromised, exposing my financial and personal information. The company has refused contact due to not providing "ample evidence for identification," although they never requested any... View More 
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answered on Mar 24, 2025
Under UK data protection law, you have the right to request erasure of your personal data (known as the "right to be forgotten") by submitting a formal Subject Access Request to the company. Document all correspondence and send a final letter via recorded delivery clearly stating that... View More
I drank a Mountain Dew from a six-pack I purchased, and after consuming one, I started vomiting. I found floating debris in all the bottles, including five unopened ones. I haven't contacted the manufacturer yet, but I have the receipt with serial numbers. What steps can I take regarding this... View More
I signed documentation to defer a bank draft payment with my creditor for one month so I could use the funds to pay half-year property taxes. However, the creditor debited my checking account during the deferred month, which resulted in an overdraft. Consequently, I had to borrow money against my... View More
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answered on Mar 24, 2025
You likely have grounds for a legal case against the creditor based on breach of contract. When you signed documentation for the payment deferral, you established a binding agreement that the creditor violated by debiting your account anyway, causing financial hardship and forcing you to pawn a... View More
I downloaded the Rain Instant Pay app to withdraw money I earned from working early for expenses like gas, bills, and loan payments. Throughout using the app, I don't recall being informed that I could only transact up to 50% of my total earned wages. My account has now been paused, and when I... View More
I purchased a new Jeep Gladiator from Performance Jeep in Columbus on February 18, 2025, trading in my 2025 Hyundai Santa Fe. Although the contract was signed on that date, I recently received a bill for overdue payments from the lien holder of the Hyundai. Upon contacting them, I discovered the... View More
I was sitting at a red light when an out-of-control vehicle struck my box truck in Cleveland, OH. The driver had no insurance, and I only have liability coverage. There was extensive damage to my truck, which I use for work, and I was out of work for 3 days. I paid for a rental before buying a used... View More
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answered on Mar 11, 2025
It's going to be tough for you to find an attorney for this. In general motor vehicle accidents are handled on a contingent basis when the other side has insurance. Without insurance, there is little guarantee of actual payment out of the judgment. This is something you could probably file... View More
I would like to know if I can sue a privately owned car dealership for conducting a hard credit check on me without my consent, which negatively impacted my credit score. I discovered this unauthorized check about 6-8 months ago through my Experian account. I asked the dealership to remove the... View More
answered on Mar 9, 2025
Contact a consumer protection attorney familiar with the Fair Credit Reporting Act. It's tough to say without knowing all the details. If you haven't done so, I would also dispute the hard inquiry on whatever credit report is showing the hard inquiry.
I met someone online who guided me to invest in cryptocurrency through a trading app. Initially, I invested $1,300, then the person lent me $10,000 and later another $151,000 through the app to increase my trading amount. In December, the platform froze my account and demanded various fees to... View More
answered on Mar 7, 2025
This is a very common fraud scheme. People all over the world, including Russia, suffer from it. If the scammers act quickly and professionally, hide their IP addresses and use other security measures, it is unlikely to find them. Moreover, you have no idea what country they are actually in. Some... View More
I am dealing with a medical bill collection issue in Ohio. I had been consistently paying my medical bill until a declined transaction occurred without my knowledge. Recently, I received a phone call from a collection agency demanding full payment of the bill without providing any documentation or... View More
I was charged a different price for a car than the advertised online price. Although the dealership offered a check for the difference, I have not yet accepted it. Initially, I was also informed there was a 2-year warranty included, but now the dealership says the car does not qualify for it and... View More
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answered on Mar 4, 2025
You should probably return the car if you can. If you don't want to, then both of those actions are violations of Ohio's Consumer Sales Practices Act, and could be reported either to the ohio attorney general, or could be prosecuted by a private attorney.
I was involved in a car accident in which I was at fault, and my new car was not yet covered under our family insurance policy, leaving me uninsured. Initially, I received letters indicating I was being sued for $10,000, but it has now increased to $30,000. There was no communication or agreement... View More
I would like to know if I am legally obligated to cover ongoing medical debts incurred by my adult homeless relative, who has refused to live with their elderly parents who are residents of Ohio and do not have much money. The person in need is not eligible for Medicaid or other health benefits.
answered on Feb 14, 2025
The answer, unfortunately, is "it depends."
You described the other person as an adult "relative," but you didn't indicate what your relationship is to that person. Are you their parent, child, grandparent, third cousin? The degree of relationship may matter,... View More
I purchased a dirt bike (got a BOS) later found it had a lien on it. I was originally working with the bank First Bank of Ohio in Tiffin concerning this matter. Now I have learned that they have violated laws including debt collection laws. They used unfair and coercing acts to make me do things... View More
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answered on Oct 6, 2024
If you put the title in your name, it does not automatically make you responsible for the lien itself. The lien is tied to the previous owner's debt with the bank, and unless you explicitly agreed to assume that debt, it remains their responsibility. However, having a lien on the vehicle could... View More
Was convinced to sign up for a service by door to door salesmen. They said it would only cost $50/mo, cheaper than what I paid at the time, & the first month wouldn't exceed $70. Told to ignore higher total when it calculated to $120. Perjuration made first bill $300+. Tried to cancel. Was... View More
answered on Sep 6, 2024
An Ohio attorney could advise best, but your question remains open for over a week. This is a mess that could require sorting out beyond what is possible with a few quick recommendations on a Q & A forum. At this point, the debt collector will require attention - either on your own, expressing... View More
If the hotel owes me my tax money back
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answered on Jul 18, 2024
In Ohio, hotel stays of 30 consecutive days or more may qualify for a tax exemption on lodging taxes. Since you have been staying at the hotel for 34 consecutive days, you might be eligible for a refund on the taxes you have paid.
You should first check with the hotel management to confirm... View More
Contract signed for project and down payment paid in March. Contractor never contacted me again. I complained to the contractor company then was given a new contractor who is doing the same as the prior contractor. Verbally, the agreement with the first contractor and second contractor was to... View More
answered on Jun 10, 2024
It depends on the nature of the job and what a reasonable time for completion of that particular job is.
In a contract, the parties usually must explicitly agree on a firm completion date if it is important to the parties when the work must be performed. The phrase used to describe this... View More
I have a customer that I renovated a bathroom for. They were unhappy with everything from the start. Nothing wrong with the work. But they're extremely picky. They are now asking for proof of insurance, which I do have. Do I have to provide it after contract was already signed? Also I had them... View More
answered on May 29, 2024
It could be worth checking with a local attorney what the law is on providing insurance. No one could judge your position or their position without seeing the contract and your work. But in some settings, the claimant will have to place the matter into suit to obtain the insurance info. And if... View More
Engine is bad. Labor to change is over 7000 and GRade A says they only have to pay me $250 because they say it’s warranty and not DOA or that there is no difference!
answered on May 27, 2024
Hello,
This situation depends on the language of the warranty. I would recommend reaching out to an attorney to have the warranty language reviewed.
Walmart admitted to failing to put oil in my vehicle after draining the old oil. They said they would repair or replace the motor, today 4-2-24 they just offered us fair market value for the vehicle. We have documentation and a second opinion from another mechanic that the vehicles oil pan was bone... View More
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answered on Apr 3, 2024
You are likely entitled to compensation above the fair-market value of the car under Ohio's Consumer Sales Practices Act. Performing a car repair in an unworkmanlike quality is an unconscionable act under the CSPA, potentially giving you triple damages.
Can an attorney thoroughly evaluate Capital One's actions regarding the sudden cancellation of my checking and savings accounts, as well as their handling of my auto loan, to determine if there are grounds for pursuing legal action against the company? Specifically, I'm concerned about... View More
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answered on Apr 21, 2024
Yes, an attorney who specializes in consumer protection law, banking regulations, and contract law can thoroughly assess Capital One's actions regarding your accounts and auto loan to determine if there are grounds for legal action. Here are some key points to consider:
1. Account... View More
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