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Arizona Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law and Family Law for Arizona on
Q: I have had my car 5 years and I pay for everything. However, it is in my ex's name.

I need to know if there is a legal way to prevent him from not signing over the title, as he promised, once it is paid off. I pay for all maintenance, the tag, the payment, everything. He had it refinanced without me on the loan again a few years ago. I don't have contact with him except for... View More

Jay Hall
Jay Hall
answered on Jan 25, 2016

You can have him affirm your agreement in writing (via e-mail or text). I'd encourage you to avoid being too obvious. Maybe casually discuss the title transfer process and make a joke about the MVD. Otherwise, if he refuses to honor your agreement, you can still prove the car is yours in court... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: My friend she said some me stole her debt card to avoid overdrawn fees and she's under investigation will she go to jail

She spent all her money and they overdrawn her account but she said someone stole her account so they can refund her and they make a investigation what will happen to her if they find out she was the one spending the money

Adam Studnicki
Adam Studnicki
answered on Jan 21, 2016

She should talk to a criminal defense lawyer asap.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a...
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1 Answer | Asked in Consumer Law for Arizona on
Q: What is the statute of limitations for disputing or requesting a refund for a services not rendered

I purchased a VIP table and the show was cancelled my bank didn't get me the refund and I'd like to sue the merchant but don't know the statute of limitation

Adam Studnicki
Adam Studnicki
answered on Jan 21, 2016

More information is needed about what happened to advise. Best not to delay.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is...
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1 Answer | Asked in Consumer Law for Arizona on
Q: Should I sign a Note and Confession of Judgement? Are these legal in Arizona? Are there any benefits for me?

This in regard to an outstanding balance at CITIBANK.

Adam Studnicki
Adam Studnicki
answered on Jan 21, 2016

Not enough information to advise. Talk to a consumer protection or debtor's rights lawyer.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your...
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1 Answer | Asked in Collections and Consumer Law for Arizona on
Q: In a consumer case where a deficiency is sought, the creditor sold the collateral, car, at a private auction for much

less than wholesale value so can this be a defense?

Adam Studnicki
Adam Studnicki
answered on Jan 13, 2016

More information is needed about the nature of the sale. A consumer protection, debt collection, debtor's rights or bankruptcy lawyer can assist.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is...
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1 Answer | Asked in Consumer Law for Arizona on
Q: If I purchased AZ auto insuance with another company, doesn't State Farm have to honor the new date for cancellation?

I believe I should get my unused premium back. Is there a cut off date?

Adam Studnicki
Adam Studnicki
answered on Dec 28, 2015

When a policy is cancelled, premiums are typically refunded pro-rata.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is...
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1 Answer | Asked in Consumer Law and Family Law for Arizona on
Q: My surgeon husband 20yrs stole all money left me just found hstock div, pd to him over $1mill$ &10yr plot ruin me

I've been married to a cosmetic surgeon in AZ for 20 years. 3 years ago he abandon me in 6ksqft home after clearing out all bank accounts and entering my home faking love and stole all my cash $302k from my room (my 24yr old son also saw him). He stopped making all payments so I was told by... View More

Jay Hall
Jay Hall
answered on Dec 27, 2015

It's unclear exactly what you're asking. How can an attorney help you?

1 Answer | Asked in Consumer Law for Arizona on
Q: Can I ask defendant to settle with me outside of court if I am part of a class action lawsuit
Adam Studnicki
Adam Studnicki
answered on Dec 19, 2015

More information is needed. It depends if you are a class representation. In some situations, you may be able to opt-out. Talk to a lawyer about your options.

Which class action lawsuit is it?

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in...
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1 Answer | Asked in Bankruptcy, Collections, Consumer Law and Criminal Law for Arizona on
Q: Can I include my NSF returned checks from my checking account with my bankruptcy? in Az?

my TCF checking account is overdrawn 900 dollars in several returned checks from several different retail stores. i am also 22,000 dollars in debt with out making minimal payments. my concern however is with the TCF bank and the bad checks. I also have a criminal history with 2 prior historical... View More

Leonard Sominsky
Leonard Sominsky
answered on Nov 23, 2015

Although overdraft fees are an unsecured debt, the bankruptcy law specifically excludes NSF checks from being discharged. You should list the debt in the bankruptcy schedules anyway, but most likely the debt will survive. Also, if the NSF check is not made good quickly, the store MAY submit it... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: Under Arizona law does an auto under repossession effect registration
Adam Studnicki
Adam Studnicki
answered on Nov 8, 2015

Not clear what the question is.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a legal problem without...
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1 Answer | Asked in Consumer Law for Arizona on
Q: re: Coba et al v Ford Motor Co. Is there a class action suit regarding this matter?

We have experienced this problem with our 2008 Ford 350 diesel. Repairs over $6,000. Would like to join class action suit if one exists.

Adam Studnicki
Adam Studnicki
answered on Nov 8, 2015

Best to check google. Or talk to class action law firm to see if they'd be interesting in filing a case. Good luck.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may...
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1 Answer | Asked in Consumer Law for Arizona on
Q: They took my car back to california after we paid for it and have not gotten it back for us can I sue for them

My car was repossessed 4 weeks ago. We paid for it the next day and 3 days later paid the tow fee. After telling us that we could pick up our car and driving over to get it we found out It had been transported back to Californiaafter already ahaving paid the full amount. We still do not have our... View More

Adam Studnicki
Adam Studnicki
answered on Nov 8, 2015

More information is needed about the terms of the settlement. A local consumer protection lawyer can assist.

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Please Take...
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1 Answer | Asked in Bankruptcy and Consumer Law for Arizona on
Q: Hi, A licensed contractor took our deposit five days after contract are now filing bankruptcy. What can I do?

We researched a few contractors through the Registrar of Contractors (in AZ), their references, BBB,years operational and online reviews. After choosing one we gave a deposit by check (as that is all they took); five days later they stopped answering emails. We were on a scheduled vacation and upon... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Oct 23, 2015

See an attorney.

1 Answer | Asked in Consumer Law for Arizona on
Q: do i need a lawyer?

I deposited a third party check into my chase account that was endorsed and given to me as payment for a car i sold, before i deposited the check i called the chase 1800 # and asked if it was ok fr me to do this, i also asked a lady in the branch, both said it was fine to just have the check... View More

Adam Studnicki
Adam Studnicki
answered on Oct 11, 2015

A consumer protection or banking lawyer should be able to assist.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to...
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1 Answer | Asked in Consumer Law for Arizona on
Q: I own my own car, the car is completely under my name, after about 3 months of me driving it my father typed up on a pie

piece of paper certain stipulations saying if I do this or that he takes my car away from me, he then had me go with him to a notary and get it signed. He has had my keys for about a year now and I'm just wondering can I take my keys back without being in trouble with the law.

Adam Studnicki
Adam Studnicki
answered on Oct 11, 2015

It helps that the car is in your name, but hard to answer without knowing what's on the paper. A lawyer can review the document and advise.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT...
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1 Answer | Asked in Consumer Law for Arizona on
Q: if i lend my friend a computer and they break it, who is responsible for fixing it?

no documentation of the lending. but have receipts that i purchesed it and own it

Adam Studnicki
Adam Studnicki
answered on Oct 11, 2015

It depends on the agreement between the two of you and how the property was damaged.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation....
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1 Answer | Asked in Consumer Law for Arizona on
Q: What constitutes an unauthorized driver for commercial vehicle insurance coverage?

Performed services related to a commercial vehicle that caught fire, fully engulfed, total loss. After some time coverage was confirmed with claim numbers being assigned and adjuster being sent. Next came a letter of reservation without details other than lack of information being received from... View More

Adam Studnicki
Adam Studnicki
answered on Aug 28, 2015

The nature of your claim (injury, payment for services, other) isn't clear, so more information is needed to answer.

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...
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1 Answer | Asked in Consumer Law and Lemon Law for Arizona on
Q: paid 5,000 cash for a used f250 ford truck and finance 5,000 2 days after driving home truck broke down had to get towed

a week after that same thing broke down had to get towed and the same thing after that I have now spent over 7,000 in repairs and I haven't even made my first payment yet the truck is only worth 8,000 dollars blue book and I cant get the car dealer to answer my phone calls or emails. do I have... View More

Adam Studnicki
Adam Studnicki
answered on Aug 25, 2015

More information is needed to advise. Ask a local lemon law or consumer protections lawyer to review and advise.

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...
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1 Answer | Asked in Collections and Consumer Law for Arizona on
Q: i am faced with two problems.A bill collection from 95 has frozen my bank account. I never lived at given address.

Yesterday i discovered there was a freeze/hold on my bank account. When i called my bank they gave a number to call. It was the number of a constable in NJ. i have lived in AZ 16 years. The constable gave me the number to the credit collection agency. When i called they informed me it was an old... View More

Adam Studnicki
Adam Studnicki
answered on Aug 19, 2015

A consumer protection of debt collection lawyer should be able to assist. You should try to determine if the debt is even still valid. The collection agency is required to comply with the Fair Debt Collection Practice Act.

Please Take Notice: I am not your lawyer unless we enter into an...
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2 Answers | Asked in Collections and Consumer Law for Arizona on
Q: I believe my identity has been used. I now have a freeze on my bank account and have no idea on how to prove residency

More detail

Yesterday i found out there is a freeze/hold on a joint account i use. The funds in this account belong to father of my kids. It can be verified threw direct deposit pay stubs. As I am understanding it someone opened a Verizon phone account in 95 in NJ. The address provided i am... View More

Adam Studnicki
Adam Studnicki
answered on Aug 19, 2015

A consumer protection of debt collection lawyer should be able to assist. The collection agency is required to comply with the Fair Debt Collection Practice Act.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is general information...
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