Colorado Consumer Law Questions & Answers

Q: a borrower has the right to prepay the principle amount in whole or part of without penalty except with consent of note

1 Answer | Asked in Consumer Law and Real Estate Law for Colorado on
Answered on Mar 15, 2019
Donald C Eby's answer
Either the borrower has the right to pre-pay without penalty or he does not. This should be defined in the terms of the Promissory Note. Lender does not have the right to unilaterally change the terms or demand more. If there is no written promissory note - Lender likely does not have the right to prevent early payment or charge a fee for early payment.

Q: I am in a lease agreement and the owner has to sell the property. Is my current lease binding if the property sells

1 Answer | Asked in Consumer Law and Landlord - Tenant for Colorado on
Answered on Feb 15, 2019
Donald C Eby's answer
A change of ownership does not change your rights under the lease.

Q: How would I go about having a lawyer ready to use in case i every needed one.

2 Answers | Asked in Consumer Law, Criminal Law, Personal Injury and Tax Law for Colorado on
Answered on Nov 24, 2018
D. Mathew Blackburn's answer
It's always better if you can build a professional relationship before the disaster strikes.

My suggestions would be to call them up and talk to them. Sign an agreement. Put down a retainer of an agreed upon amount. If anything happens you have a lawyer retained and they know they'll get paid.

Some attorneys won't do this at all because they don't want to be responsible for representing you for whatever; they want to know what they're getting into. Others will likely charge...

Q: What are the laws in Colorado in regards to "As-is" and "As-is disclosure" ?

1 Answer | Asked in Consumer Law and Contracts for Colorado on
Answered on Oct 31, 2018
Ashley Dean Powell's answer
I suspect that the answer may vary depending on the type of product, type of seller, type of buyer, etc. For example, the standard contract to sell a house in Colorado often has "as is" language in it, but the seller still has certain duties to disclose known defects in the house, systems, fixtures, etc.

You are likely to get a better, more thorough answer if you submit a new question with more details about the exact "as is" product you are thinking about buying or selling and the...

Q: If United airline loss my luggage at international flight and after 10 days they ask me for compensationwhat should I do

1 Answer | Asked in Consumer Law for Colorado on
Answered on Sep 24, 2018
Julie Swanberg's answer
This question should not have been posted in the workers compensation category.

Q: purchased rehoming dog for service dog training dog is lame now and was not disclosed of steel rod in leg can't use her

1 Answer | Asked in Consumer Law and Animal / Dog Law for Colorado on
Answered on Aug 8, 2018
Juliet Piccone's answer
I'd suggest you repost your question with what it is you want to know and more facts. Was this an expensive dog from a breeder or a rescue? Or just a purchase from a private party/ non animal dealer? You probably need an actual consultation with an experienced animal attorney to figure out if you have any recourse.

Q: CRM software company trying to charge extra $500-$1000 for me to export my customers' info when I cancelled the software

1 Answer | Asked in Consumer Law, Contracts, Business Law and Patents (Intellectual Property) for Colorado on
Answered on Jun 13, 2018
Kevin E. Flynn's answer
I do not see a patent issue here. I hope you find an attorney with the right background to help you. Ideally, this would have been something you worked out before you populated the site with data that you need.

You may want to Google around to see if others have dealt with this issue or seek help from the folks that will provide the software solution to replace Agemni.

Q: Who is liable if a dog does damage to their owner's property?

1 Answer | Asked in Consumer Law, Contracts, Animal / Dog Law and Small Claims for Colorado on
Answered on Apr 6, 2018
Kristina M. Bergsten's answer
This is an interesting question with no clear answer. The only way the owner could collect money from you is if the owner sues you in court and wins. Since the dogs were not yours and you performed your agreed upon duties, I think you have a viable defense that the damage is not your responsibility.

Q: I am on h4 visa and I have a lot of hotwheels cars. Can I sell them online ?

1 Answer | Asked in Immigration Law and Consumer Law for Colorado on
Answered on Apr 4, 2018
Stanley Dale Radtke's answer
Yes you can sell your personal property on line without offending your immigration status. However, you may have a duty to report this income to the IRS. Please consult with a tax specialist on what is required to remain in compliance with tax law.

Q: Apple iTunes refunded $7,000 dollars back out of $75,000 spent, they will not go back more then 60 days. can I get more?

1 Answer | Asked in Consumer Law and Products Liability for Colorado on
Answered on Mar 26, 2018
Peter N. Munsing's answer
Why not contact a member of the Colorado Assn for Justice as there may be a violation of the gaming laws if they take money from people in colorado while having a game that can be manipulated.

Q: I have a car loan that is fully under my name but the vehicle is in my ex-girlfriends, how can we get it on her name?

1 Answer | Asked in Divorce and Consumer Law for Colorado on
Answered on Jan 5, 2018
John Hyland Barrett III's answer
You may be stuck unless she can refinance the loan. The lender will not release you until the loan is paid off. Maybe the car should be sold to pay off the loan.

Q: Can I get a car manufacturer to immediately repurchase a vehicle for a critical safety defect?

1 Answer | Asked in Consumer Law, Car Accidents and Wrongful Death for Colorado on
Answered on Jan 4, 2018
Peter N. Munsing's answer
Generally, no. Contact the center for auto safety to see if there have been similar complaints on that model.

Q: How do i report a storw in colorado that wont let me use bathroom i have IBS

1 Answer | Asked in Bankruptcy and Consumer Law for Colorado on
Answered on Dec 28, 2017
William Foster's answer
Stores are not required to provide bathrooms to customers.

Q: hi..a dog ran out of a house today when we were carrying in equipment to do their hardwood floors, - it was hit by a car

1 Answer | Asked in Animal / Dog Law, Construction Law and Consumer Law for Colorado on
Answered on Oct 11, 2017
Juliet Piccone's answer
I would suggest offering to credit their bill in exchange for a full and final release of liability for the damages ie death of their dog. I can draft such a document.

Q: My daughter received school loans and needed a cosigner at the time she is now 33 I'm am now being sued for her loan

1 Answer | Asked in Civil Litigation, Collections and Consumer Law for Colorado on
Answered on Sep 8, 2017
Tristan Kenyon Schultz's answer
Short of your daughter refinancing the loan (and not having you as a cosigner or guaranteer to the loan) or repaying the loan, there is no way to remove your name.

Q: Is it legal for a car dealership to sell a car while it is off the lot and being test driven by another person?

1 Answer | Asked in Business Law and Consumer Law for Colorado on
Answered on Aug 30, 2017
Tristan Kenyon Schultz's answer
Unless you or your broker had a contractual arrangement to hold on the sale of the vehicle, the dealership can sell a car that is not on the lot and/or is being test driven. If the dealership "sold" the car without really selling the car to simply prevent the broker from forcing a discount on the vehicle, the broker could potentially to sue dealership (and have you, the buyer, enter as a 3rd party beneficiary), but this would be a hard case to prove (and likely the legal costs would exceed the...

Q: have 65k in CC debt, have 112k in reverse mort debt. wife and I live on 54k yearly. Home is valued at 400k.options?

1 Answer | Asked in Bankruptcy and Consumer Law for Colorado on
Answered on Aug 14, 2017
Timothy Canty's answer
The Colorado homestead exemption is $75,000, or if you are over 60 years old or disabled, $105,000. You must have a been a Colorado resident for at least 2 years in order to use Colorado exemptions. Any equity over those amounts must be turned over to the trustee to pay creditors. This will usually mean selling the home unless you you can find an alternate means of paying the trustee. You could avoid this result by filing a Chapter 13 and paying the excess over 5 years. This is just a general...

Q: Is it legal to have people sign a non-compete when testing out a dating method? Please read more for details.

1 Answer | Asked in Contracts, Business Law and Consumer Law for Colorado on
Answered on Aug 6, 2017
D. Mathew Blackburn's answer
The non-competes would be very difficult to enforce under Colorado law. The "test run males" are not working for you they are the customers.Non-competes can't be enforced against customers, you can't stop someone from using another firms services. You could ask them to sing non-disclosure agreements but again they are difficult to enforce. I'm making an assumption you have a legitimate business method and we're not talking about prostitution. If it is a truly new and unique method you would...

Q: My father and I own a motorcycle and vehicle together if he gets sued do I lose the property? How does that work?

1 Answer | Asked in Family Law, Collections and Consumer Law for Colorado on
Answered on Aug 3, 2017
Tristan Kenyon Schultz's answer
If you are both on title, then you and your father are co-owners. The motorcycle can be included as property for both your and your father (i.e. it is a potential assets in a lawsuit). If judgment includes the bike (meaning that no other assets can meet the payment required by a successful lawsuit judgment--which is not automatically granted), two things can happen. One (the lease likely), the 3rd party can assume your father's portion of the bike and you can share the bike with the new party....

Q: I have a bill of sale for a vehicle but the seller will not hand over the car, what do I do?

1 Answer | Asked in Consumer Law and Small Claims for Colorado on
Answered on Jul 14, 2017
Tristan Kenyon Schultz's answer
You will need to take them to court. This likely can be handled in small claims court. The forms can be found at the CO Courts webpage. A lawyer can assist (or wholly handle) this matter, but a lawyer is not required (esp. for small claims cases). Prior to filing it may be advisable to send a demand letter.

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