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Arizona Consumer Law Questions & Answers
1 Answer | Asked in Banking, Consumer Law, Foreclosure and Real Estate Law for Arizona on
Q: A person makes a Mortgage pymt, the financial institution accepts and confirms, then puts pymt back in bank acct refuses

I assumed my mothers mortgage acct with W F same bank as checking acct .3 times now they have refused payment making my regular payment triple and my mortgage acct default . What can I do?

Peter H. Westby
Peter H. Westby
answered on Nov 18, 2024

You have provided insufficient information for me to know exactly what is happening. But it sounds as though your mortgage may be in arrears due to unpaid fees or other charges. If the amount tendered is not precisely correct including any late fees or other charges, a lender will often reject it... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: Is it legal for a receptionist to discuss your balance due loudly for others to hear?

I went to my appointment and went to check in. She asked name and then said are you aware of the balance you owe. I said yes. She said a balance of 200+ loudly and asked if I was going to pay. I said not right now but in a few days. I don’t think that is legal and if it is , well it feels like it... View More

John Michael Frick
John Michael Frick
answered on Jun 13, 2024

This is no different than a cashier at a fast food restaurant, grocery store, or retail store telling you the the total amount owed for a purchase. No reasonable person overhearing the conversation would consider it defamatory or really think anything much about it. Her telling you your balance... View More

2 Answers | Asked in Consumer Law for Arizona on
Q: Is an airline liable for missing a flight, which a three hour wait to check baggage and get a boarding pass?

I arrived three hours early for a flight in Austin Texas, yet I missed the flight because the airport had a three hour wait to check baggage and get a boarding pass. The airline did not have another flight for two days, so I had to book a room and get another flight through another airline for... View More

John Michael Frick
John Michael Frick
answered on May 9, 2024

I do note that on April 10, 2024--following the solar eclipse and one of the busiest days ever at the Austin airport--the baggage conveyor system for multiple airlines reportedly broke at 10:45 AM. That was an airport problem--not an airline problem. But SWA had warned its passengers that it... View More

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2 Answers | Asked in Consumer Law for Arizona on
Q: Is an airline liable for missing a flight, which a three hour wait to check baggage and get a boarding pass?

I arrived three hours early for a flight in Austin Texas, yet I missed the flight because the airport had a three hour wait to check baggage and get a boarding pass. The airline did not have another flight for two days, so I had to book a room and get another flight through another airline for... View More

John Michael Frick
John Michael Frick
answered on May 9, 2024

Southwest has self-service kiosks where passengers can get a boarding pass and check their baggage themselves. A SWA passenger literally only has to drop their tagged checked baggage at a counter for it to get put onto a conveyor belt to be loaded onto the airplane. If there was some sort of... View More

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1 Answer | Asked in Consumer Law and Landlord - Tenant for Arizona on
Q: Is it legal for a landlord to deny someone's rental application because they received rental assistance last year

In phoenix the mayor did a press confrence announcing the ban on discriminating against people for their source of income and their ability to pay for housing. If a property manager specifically states on its of qualifications and rental criteria that anyone who applied for or received rental... View More

James L. Arrasmith
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answered on Apr 16, 2024

The situation you describe could have legal implications for the landlord in Phoenix, Arizona. In March 2023, the Phoenix City Council passed an ordinance that prohibits housing discrimination based on a person's source of income, including rental assistance. This ordinance went into effect on... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: can i sue mercedes for my car catching fire due to their negligence?

i had full coverage, prior to the dealership having it to make a new key, the police had it as it had been stolen at gun point and was being processed for DNA and Finger prints. the dealership only mentioned that one of the tires had belts showing and it should be replaced before driving it. it... View More

James L. Arrasmith
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answered on Apr 15, 2024

Based on the information you've provided, it's difficult to say definitively whether you have a strong case against Mercedes or your insurance company. However, here are a few points to consider:

1. Negligence: To sue Mercedes successfully, you would need to prove that they were...
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1 Answer | Asked in Civil Litigation and Consumer Law for Arizona on
Q: Daughter(6) made several small charges on our debit card for a game she plays on my phone. Are we ineligible for refund

Can we still get our money back or will they deny it because she is our daughter?

James L. Arrasmith
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answered on Apr 13, 2024

In this situation, getting a refund may be challenging, but it's still worth trying. Here are a few steps you can take:

1. Contact the game developer or publisher directly and explain the situation. Some companies have policies in place to refund accidental or unauthorized purchases...
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1 Answer | Asked in Civil Rights and Consumer Law for Arizona on
Q: Is a retailer required to assist disabled customers with their heavy purchases?

I was shopping at a large retailer and purchased a 50 pound grill. I requested to use the shopping cart to bring it to my car. Manager denied me because I did not have a drivers license for collateral, I provided other forms of collateral and was denied. I requested employee assistance to my car... View More

James L. Arrasmith
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answered on Mar 6, 2024

In Arizona, as in many places, retailers are generally expected to make reasonable accommodations for customers with disabilities, under federal laws such as the Americans with Disabilities Act (ADA). This includes providing assistance with navigating the store, accessing goods, and in some cases,... View More

1 Answer | Asked in Consumer Law and Contracts for Arizona on
Q: I have storage unit which i have until today empty it I found out last night it was on there aucton sight list in might

Have sold I have a email from them stating I have untiL today to get it in I have a picture of it be auctioned off by them is there anything I can do

James L. Arrasmith
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answered on Feb 23, 2024

If your storage unit was listed for auction without your knowledge or consent, it's essential to take immediate action to address the situation. Start by reaching out to the storage facility to discuss the matter and express your concerns. Provide any documentation you have, such as the email... View More

1 Answer | Asked in Contracts and Consumer Law for Arizona on
Q: I live in Arizona. We got solar panels and First rain our roof leaked. Can I sue? They don’t want to fix it.

They state the issue was there before the solar panels. Our house was brand new built in 2020 manufactured home. We had bad storms before that caused no leak. The first rain after the solar panel installation, our roof started leaking out of our smoke detector. They got on the roof and stated... View More

T. Augustus Claus
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answered on Jan 29, 2024

In Arizona, if your roof started leaking after the installation of solar panels and the company refuses to accept responsibility, you have several legal options. First, review your contract with the solar panel company to understand any warranties or clauses regarding damage during installation. If... View More

1 Answer | Asked in Consumer Law, Constitutional Law, Gov & Administrative Law and Health Care Law for Arizona on
Q: What are my options, if the pharmacy is not familiar with Kevin's Law and refused my emergency insulin refill?

It's a holiday weekend and myself and the pharmacy have both been very unsuccessful with obtaining a new prescription from my physician for the last few days. My current insulin prescription has zero refills remaining and today I asked the pharmacy for an emergency insulin refill and they... View More

James L. Arrasmith
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answered on Nov 28, 2023

In Arizona, Kevin's Law allows pharmacists to provide emergency refills of non-controlled medications for up to a 90-day supply, under certain conditions, when a doctor's authorization is not immediately available. This law aims to prevent lapses in critical medication, like insulin, due... View More

1 Answer | Asked in Bankruptcy and Consumer Law for Arizona on
Q: I want to know if I have proof that a furnisher is falsely reporting to the CRAs. Is it an FCRA violation?

A prior mortgage company is falsely reporting 30 day late to all 3 credit agencies. The mtg. co. transferred my loan one yr. after I filed Chapter 7 & is reporting late the same month & year I filed 5/18 discharged 9/18. I did not reaffirm the loan; the mtg. co. received the appropriate... View More

James L. Arrasmith
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answered on Dec 23, 2024

Based on your description, this situation likely constitutes multiple violations of the Fair Credit Reporting Act (FCRA). The furnisher appears to be violating the law by reporting inaccurate information about your payment history, particularly concerning payments during and after your bankruptcy.... View More

1 Answer | Asked in Consumer Law and Contracts for Arizona on
Q: If I bought an RV but never took possession of it because I couldn't secure a place to park it can it be refunded?
Tim Akpinar
Tim Akpinar
answered on Nov 28, 2024

An Arizona attorney could advise best, but your question remains open for two weeks. As a general rule in most places, probably not, unless that issue of having a place to park it was an element of your contract/agreement. This is only a quick general response based on the brief facts. An Arizona... View More

1 Answer | Asked in Consumer Law, Employment Law and Civil Rights for Arizona on
Q: Do citizens have the right to refuse answering the U.S. Census interviews that now include multiple area of questioning.

Questions include: Where do you work, what is your income...to include each member of the household. It seems to me that these are personal and private matters that are not necessary and are available with the IRS.

James L. Arrasmith
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answered on Aug 31, 2024

You have the right to privacy, but participating in the U.S. Census is required by law. The Census Bureau collects data to allocate government resources, funding, and political representation. Refusing to answer can lead to fines, although it’s rare for the government to impose them.... View More

1 Answer | Asked in Landlord - Tenant, Consumer Law and Personal Injury for Arizona on
Q: My landlord is stealing my possessions from the property after eviction, we made arrangements to pack up and move out.

We were given ample amount of time that there was no rush take out time and that we wanted to make sure the property was cleaned up as well. He has been witnessed by myself and others neighbors friends taking the possessions loading them up on his roll sck and escorting whatever he wishes off the... View More

James L. Arrasmith
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answered on Mar 26, 2024

If your landlord is removing your possessions without your permission, this could be a violation of your rights. First, document everything: take pictures, gather statements from witnesses, and keep any communication with the landlord or neighbors regarding the eviction and your arrangements to... View More

1 Answer | Asked in Consumer Law, Criminal Law, Products Liability and Health Care Law for Arizona on
Q: I need help getting reimbursement from our health care assistance and I am being sent in circles. Can you help?

Back in Sept. we signed up for United Health Shared Ministry as our basic health coverage. My husband & I go to our yearly doctor visit but thats pretty much it, so we wanted a plan that fit our needs & didn't break the bank. We thought we found it, but boy were we wrong. All... View More

Tim Akpinar
Tim Akpinar
answered on Jan 16, 2024

An Arizona attorney could advise best, but your question remains open for a week. One option, and the most inexpensive one to start with, might be to look into whether your state's department of insurance could offer guidance. Good luck

1 Answer | Asked in Consumer Law, Contracts and Medical Malpractice for Arizona on
Q: In a demand letter, how to present incurred expenses and economic damages? List exactly the hours, date, receipts?
Joel Gary Selik
Joel Gary Selik
answered on Jan 10, 2024

I have found to be most effective, as much detail as possible. But, it is important that all supporting documentation to prove the damages be included.

1 Answer | Asked in Consumer Law, Contracts, Real Estate Law and Workers' Compensation for Arizona on
Q: I have some really insane thoughts right now due to to my only moderately maintained BP disorder. I would love to discus

I currently want to fight the entire tech industry because my rights to my privacy and my data and my sovereignty is being impeached every day and I have receipts and I'm ready to stand up in front of a judge and preach my case. I'd love to write it out to you.

Joel Friedman
Joel Friedman
answered on Oct 5, 2023

This question came into the workers' compensation category. It does not appear to related to a work injury and you should limit your inquiry to employment law.

1 Answer | Asked in Consumer Law, Criminal Law, Constitutional Law and Native American Law for Arizona on
Q: Can I get a case thrown out if the incident happened on10/24/2022but issued a warrant on 5/3/2023. Why so late for that?

Was let go the day of the incident

Arrested but on a different case but was a misunderstood and let go

Recently issued a warrant

But when I was getting questioned I was getting questioned by the fbl or Dea about a different case that has nothing to do with me

James L. Arrasmith
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answered on Jul 10, 2023

It's important to consult with a legal professional to understand the specifics of your case and address your concerns about the timing of the warrant. They can review the details, assess any grounds for challenging the case or seeking dismissal, and provide guidance based on their expertise.... View More

1 Answer | Asked in Insurance Bad Faith and Consumer Law for Arizona on
Q: Auto Insurance is cancelling policy for a rate increase due to accounting error and failed to notify customer

My automobile insurance company randomly increased my rates mid-contract when I paid in full at the beginning of the policy. The cause of rate increase was an accounting error on one of my discounts and they discontinued the discount 2023. This happened in Jan 2023. They sent me an email notice of... View More

Tim Akpinar
Tim Akpinar
answered on Apr 23, 2023

An Arizona attorney could advise best, but your question remains open for three weeks. Nationwide, consumer rights matters involving insurance are usually overseen by state departments of insurance. Most states have such agencies. In your state, it looks like there is the Arizona Department of... View More

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