I signed a contract in June 2015 for a car loan with Velocity Credit Union located in Austin, TX, agreeing to a 73-month term at a 15.5% APR. The total price was $36,500. Due to missed insurance payments, my cost increased by $7,000. I have since paid $70,000, but I'm being told I still owe... View More

My vehicle was repossessed and sent to auction early, within two weeks of repossession, despite my efforts to communicate with the company. Prior to the attempted auction, the repossession company took my sister's belongings from my car. I had insurance both before and after, switching for... View More

I have been targeted for cyberbullying and organized harassment over the past three years. Specific individuals and groups have been identified, and I reported this to the Houston Police Department, IC3, and my previous apartment manager. The police issued a case number but said my case isn't... View More

John Michael Frick
answered on Mar 19, 2025

You theoretically can sue those responsible if the cyberbullying, harassment, and stalking satisfy the elements of a cognizable legal theory of recovery.

These tend to be very difficult cases to prove. In addition to proving the bad acts and exactly who committed them, you should... View More

I purchased a dress for $140.71 in September 2023 and returned it for store credit the same month. I received a receipt indicating the store credit, but the only date on it was the issuance date, with some numbers at the bottom reading '11/28.' When I returned in January 2025 to use the... View More

My vehicle is not totaled, but I received a refund from my service contract, which was sent to my car loan lender. According to my contract, the refund is applied to the principal, which does not affect my monthly payment amount. I want to know if this refund is still available if my vehicle were... View More

I was hit by a door at a Staples store in high winds, causing it to become unhinged. I suffered minor injuries to my left leg. I've reported the incident, but I'm unsure how to proceed with filing a claim with my insurance provider. Can you guide me through the steps involved in filing... View More

John Michael Frick
answered on Mar 15, 2025

Typically, you just need to go to a healthcare provider who accepts your particular health insurance plan or policy.

I purchased a car in 2022, and the lender stated that insurance was included in the car note, but they have not provided proof despite multiple requests. I received a ticket for not having insurance, and the lender refuses to provide documentation. I had a written agreement and several... View More

About a month ago, Spectrum installed a cable for my neighbor that lies above ground across the sidewalk, causing my children and me to trip over it. This has led to a sprained wrist and scrapes. I've contacted Spectrum, and although representatives have visited, they've left without... View More

John Michael Frick
answered on Mar 10, 2025

You can file a personal injury lawsuit seeking recovery of your medical expenses and, if applicable, any lost wages you suffered as a result of your injuries. Keep copies of all of your medical records and bills associated with the sprained wrist and scrapes so you can prove the amount of... View More

I ordered a gallon of tea to go from a restaurant in Texas, which I shared with my 3-year-old child. Upon noticing an unusual taste and smell, similar to weed, I contacted the police, and the tea tested positive for weed. My child and I felt extra sleepy and lethargic after consuming it. I have... View More

John Michael Frick
answered on Mar 10, 2025

Reporting the incident to police is probably all you need to do under the circumstances. It does not appear that either you or your child suffered any bodily injury from consuming the tea.

I own a 2006 Chevy Cobalt and have experienced a gas leak that General Motors issued a recall for. Despite the recall, dealerships were instructed not to repair it unless customers reported specific identifying markers. I've had extensive communications via phone calls, emails, and letters... View More

I have an Intoxalock device in my vehicle, and the company has sent my account to a collection agency without prior contact. I previously called Intoxalock, and they informed me about the collections. They haven't provided specific reasons for this action, and I haven't received any... View More

I was on a Spirit Airlines flight to Dallas, Texas, where we experienced extremely strong winds. The pilot attempted to land twice but couldn't due to worsening winds, causing the plane to shake violently. We diverted to Houston, stayed for a few hours with a new pilot, and made another... View More

Raymond Chow
answered on Mar 8, 2025

For negligent infliction of emotional distress (NIED) claims, you typically need to prove that the airline acted carelessly and that this caused significant emotional distress. While emotional distress claims can often be linked to physical injury, this is not always necessary. However, it can be... View More

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I'm in a 25-year solar panel lease contract and was not fully informed by the salesman about the additional commitments such as shopping for electricity providers, thermostats, and batteries. I pay $130 per month plus the cost of electricity. The finance company won't allow a buyout for 5... View More

I left watches, jewelry, and clothes valued at $2,500 at a friend's house. They initially denied knowing about the items, but I later saw them being sold online. I reported them for selling drugs, and they confronted me but claimed they would help retrieve my property if I signed a form, which... View More

Raymond Chow
answered on Mar 6, 2025

File a Petition in Justice of the Peace Court. The appropriate venue is the county where you reside or where the incident occurred.

The legal action to bring would be a claim for conversion, which seeks the return of your property or its value, or a replevin (suit for possession) if you... View More

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I am a student seeking legal assistance regarding my vehicle, valued at approximately $60,000, which was stolen in 2024. The car was recovered by the police on April 11, 2024, but I was not notified. It remained unclaimed at a towing yard and was auctioned off on November 20, 2024, without my... View More

I came home to find a car blocking the front of my house, so I parked my car in my garage at the back of my property. While inside my house, my car was towed from my property without my consent. The police confirmed this but didn't give a reason. I've checked my homeowner association... View More

John Michael Frick
answered on Mar 3, 2025

The first thing you must do is determine who towed your car out of your garage and why they towed it. That will help determine what legal options you have to address the unauthorized towing. You may be able to recover the fair rental value of your car during the period of time in was not in your... View More

I recently purchased a used vehicle from a mechanic shop for $12,500. The seller mentioned it was in a "small" wreck but assured me it was fixed and "street legal." After encountering some issues, I had my certified mechanic inspect the car, and they found significant... View More

Raymond Chow
answered on Feb 28, 2025

You should begin by gathering all relevant documentation, including the bill of sale, any receipts, repair invoices, and the certified mechanic’s inspection report detailing the vehicle’s unsafe condition. Additionally, obtaining a Texas DMV vehicle history report is crucial to determine... View More

In Texas, is it legal for a classmate to obtain a background check through websites like Spokeo or BeenVerified, then use the information to attempt hacking my email, further harassing and intimidating me? The school allowed the background check and shared my email and report details with the... View More

I signed a treatment plan for dental crowns for my child, but the dental office added more crowns than were originally included, and they didn't inform me about these additional crowns. Is the dentist allowed to add extra crowns without notifying or obtaining additional consent from me?

I was involved in a car accident in an uninsured vehicle that wasn't mine. The other party has filed a claim against me, but my name is spelled incorrectly as "Avery Gbagley" in all communications. I have contacted the insurance company to understand the claim against me but have not... View More

Tim Akpinar
answered on Mar 5, 2025

A Texas attorney could advise best, but your question remains open for a week. Until you are able to consult with a local attorney who could review your paperwork, the short answer in most places nationwide is that minor misspellings won't serve to get someone out of liability. Court clerks or... View More