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Alabama Consumer Law Questions & Answers
1 Answer | Asked in Probate and Consumer Law for Alabama on
Q: What happens to life insurance if beneficiary dies before payout?

My mother lived in Huntsville Ala, Her common law husband passed away on may 12th she was listed as the beneficiary of his life insurance, However she passed away on the 21st before the insurance paid out. What happens to the money from life insurance now?

Jack T. Carney
Jack T. Carney
answered on Jun 5, 2017

The most likely result is that the insurance proceeds would be payable to her estate. It would be necessary to open an estate administration in order to file a claim. You may want to contact the insurance company and see if the particular policy has a survivorship requirement (in other words must... View More

1 Answer | Asked in Consumer Law, Contracts, Appeals / Appellate Law and Civil Litigation for Alabama on
Q: What to do when you've signed an arbitration agreement & days later find that the auto dealer has committed fraud?

The dealer represented that a car had only been listed as used because the owner of the dealership used it for a short period of time & knowing that the owner had intentions of selling the car, I assumed that it was well taken care of. I was originally interested in a new car but a taken care... View More

Samuel G McKerall
Samuel G McKerall
answered on May 5, 2017

You're out of luck. You can't buy a car from a dealer anywhere without having to sign an arbitration agreement. You signed it. You're stuck with it.

Your damages are minimal, if any. You thought you were buying a car with 4,000 miles on it and you got a car with 4,000...
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1 Answer | Asked in Civil Litigation and Consumer Law for Alabama on
Q: What is the statute of limitations on unpaid cell phone bill?
Samuel G McKerall
Samuel G McKerall
answered on Jan 25, 2017

In Alabama its 3 years from the date of the last charge OR the date of the last payment, whichever is most recent. In other words, every time you make a payment on the bill the statute of limitations resets and starts all over again. The time period varies from state to state, so this advice is... View More

1 Answer | Asked in Contracts, Collections and Consumer Law for Alabama on
Q: I supposedly took out a $900.00 payday loan from Plain Green around March 2012. Has the statue of limitation not expired

They told me I now owe them $4,132, but would settle for $1,505.00. If it turns out I owe them, is it in my best interest to do the settlement or take my chances in court?

Peter N. Munsing
Peter N. Munsing
answered on Sep 20, 2016

Did you or did you not?Ask for the paperwork. You'd remember if you went to the office of those people. There are now regulations on that so check with the consumer division of the banking department. Your chances in court depend on what the paperwork shows, or doesn't, what rate of... View More

1 Answer | Asked in Consumer Law and Real Estate Law for Alabama on
Q: I owned my house but had a $18,000 lean against it with a loan shark. After a year into repayment I was layed off from

my job and fell behind on the payments. I then went to a friend & employer to take over the loan for me until I could get back on my feet and pay him back. I went into a low office with me having no one there to represent me and was TRICKED into signing my property with the value of $90,000... View More

Mr. James Parrish Coleman
Mr. James Parrish Coleman
answered on Feb 8, 2016

You need some legal help here. You are charged with reading what you signed. You say you were tricked? How? If you did sign the documents under duress maybe you have an out here. You must get a lawyer and sue to overturn the conveyance.

1 Answer | Asked in Consumer Law and Education Law for Alabama on
Q: A contract for my child's school requires signature of both parents, but only my wife signed. Is the contract valid?

The contract says the full amount of tuition is still payable if we withdraw our children from the school during the year. Also, we know of multiple other families that have left the school without being required to fulfill their contract, even this year. Could they require us to fulfill our... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Nov 13, 2015

If your wife is the only one who signed it, she is probably the only one liable.

Yes, they can require her to pay without requiring others to do so.

1 Answer | Asked in Consumer Law for Alabama on
Q: i ow 9,000 dollars in interest only have not been late or miss a payment in 4 years can the interest be terminated by lw
Robert Jason De Groot
Robert Jason De Groot
answered on Nov 1, 2015

More facts are needed. Read the contract.

1 Answer | Asked in Consumer Law for Alabama on
Q: I got some fundraiser cards from a pizza place I signed a paper to pay when sold can I be arrested if I don't pay

A lady selling for me didn't bring cards back or money.. Or do the just civil case for money owed?

Adam Studnicki
Adam Studnicki
answered on Aug 3, 2015

Sounds like a civil matter but a local lawyer can go over the details of your situation to make sure.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is general information that is given for legal education only. It is not legal...
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1 Answer | Asked in Consumer Law for Alabama on
Q: I defaulted payment on credit cards in sept 2010. Its now 2015. Can credit buyers sue live in Alabama or is Sol in pl
Mr. James Parrish Coleman
Mr. James Parrish Coleman
answered on Jun 10, 2015

THere is a staute of limitation, but you are likely to be inside the 6 year statute of limitation on a contract matter. THere are a lot of other valid defenses in cases like this. THis is fact driven and you should get legal help here. If you can't afford a lawyer, Alabama Volunteer Lawyers... View More

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