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Consumer Law Questions & Answers
1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for Michigan on
Q: what does Law code 15USC1662B mean in lamens terms. The Truth in Lending.

I keep hearing about this law i have looked it up but i dont understand the way it is written. as i am told "it is illegal to charge for a down payment on a vehicle from a car lot dealership.

Brent T. Geers
Brent T. Geers answered on Sep 24, 2021

Truth In Lending covers what must be disclosed by lenders to consumers. It's impossible to summarize what is a voluminous piece of legislation covering many different scenarios. If you have any doubts about what is presented to you by a car dealership, or any other lender, you should consult... Read more »

1 Answer | Asked in Consumer Law, Tax Law, Traffic Tickets and Admiralty / Maritime for Connecticut on
Q: “Cash price” means the total amount in dollars at which the seller and buyer agreed the seller would transfer unqualifie

“Cash price” means the total amount in dollars at which the seller and buyer agreed the seller would transfer unqualified title to the goods, if the transaction were a cash sale instead of a sale under a retail installment contract.

Tim Akpinar
Tim Akpinar answered on Sep 23, 2021

A Connecticut attorney could advise best, but your question remains open for five weeks. There didn't appear to be a question, but possibly an outlining of terms or definitions in a contract. You may have resolved the matter by now, but if not, you could reach out to Connecticut attorneys... Read more »

1 Answer | Asked in Consumer Law for Florida on
Q: Consumer Protection/Rights and Prevention of Wage Garnishment for debt that is not ours!

Hello, my husband and I live in Florida and a company supposedly bought this debt from Home Depot and is now trying to garnish my husband's wages. My husband is the only source of income that we currently have, I am pregnant and lost my job due to Covid. We won't be able to afford our... Read more »

Terrence H Thorgaard
Terrence H Thorgaard answered on Sep 23, 2021

If they are trying to garnish your husband's wages, it appears that they have a judgment against him. If that is the case, you might want to send them proof of your financial difficulties; if you do so they might not apply for a writ of garnishment at this time.

2 Answers | Asked in Consumer Law and Probate for California on
Q: My deceased sister's car was towed and held in the tow company's lot. They're demanding $10K in storage fee's, in Ca.

Her boyfriend used the car after her death but had it towed claiming it was abandond in his driveway 6 months later when he found out her sister (heir) had been found. Isn't there a limit to storage fee's in Ca.?

Howard E. Kane
Howard E. Kane answered on Sep 23, 2021

Section 10652.5 of the Vehicle Code caps the storage fees that can be charged to 15 days IF the towing company provides proper notice to the owner by certified mail, return receipt requested. The question then becomes whether or not the towing company provided proper notice which may allow them to... Read more »

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1 Answer | Asked in Consumer Law for California on
Q: Can a cashier in a grocery store ask my age directly? I did not buy any age related items. Illegal? Thanks!
Scott Richard Kaufman
Scott Richard Kaufman answered on Sep 22, 2021

Illegal like a crime? Your question is hard to understand.

1 Answer | Asked in Consumer Law for California on
Q: Which class does this situation fall under? I want to make sure I am contacting the right attorneys. Thank you.

I am looking to either start a class action or personal lawsuit. There is a company that provides cosmetic surgery and I believe they are using faulty practices, faulty equipment or are just blatantly lying in order to keep a certain percentage of deposits each day and canceling peoples surgeries.... Read more »

Maurice Mandel II
Maurice Mandel II answered on Sep 22, 2021

Sorry to hear that you were scammed. From your description I would consider this to be Consumer Law, however, because the procedure involves surgery, you might also want to post in Medical Malpractice; and since you are interested in bringing a class action, you could also post as Class Action.... Read more »

1 Answer | Asked in Products Liability and Consumer Law for California on
Q: Can I back out of purchasing a car

I signed all contract paperwork for a vehicle at a dealership, I haven't signed the loan check yet to give to them yet though. They said I could pick the car up after they repaired it due to recalls. This was a few days ago and I haven't heard anything back, they gave me a rental for the... Read more »

Jonathon Maddox
Jonathon Maddox answered on Sep 21, 2021

As this question was written 6 days ago, I'm hoping this has been resolved by now. But short answer is, yes you should be able to back out of the deal if you haven't received the car yet. On top of there being some consumer protection laws, that give some room for a buyer to have... Read more »

2 Answers | Asked in Consumer Law and Civil Rights for California on
Q: can I sue a 503c "charity" that instead of replacing id, delayed several months and cost me thousands; to make money

I was imposition-ed, lied to, accused of drug use in public, used to perform work without compensated, signed notary book and they refuse to show me why? They retaliated because i threaten to report them .

Maurice Mandel II
Maurice Mandel II answered on Sep 21, 2021

It would seem that you were possible subjected to several civil wrongs, called "torts" by this company, and you may also have wage claims that you can file with the labor commissioner. Yes, you can sue them for the torts that they committed against you, just because they are a 503c... Read more »

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1 Answer | Asked in Consumer Law and Small Claims for Rhode Island on
Q: Can a lawyer serve me court papers for a credit card bill 13 years old in ri?

This collection agency has been doing this to me over and over. I'm on disability and can't afford this and I can't handle the stress.

Albin Moser
Albin Moser answered on Sep 21, 2021

Usually you cannot be sued on a credit card debt that is older than ten years. Also, recipients of Social Security Disability are usually not subject to collection. If all you have is disability benefits, then the collection agency or law firm cannot take your money. If you explain that you are on... Read more »

1 Answer | Asked in Consumer Law, Contracts and Products Liability for Florida on
Q: Does the Truth in Lending Mean I don’t have to make a down payment on a car
Bruce Alexander Minnick
Bruce Alexander Minnick answered on Sep 21, 2021

No. "Truth in Lending" is a well-used financial phrase used to remind people that the government requires lenders to disclose all the interest, fees and other costs related to each lending transaction.

However, it does not apply to every kind of lender there is out there; for...
Read more »

1 Answer | Asked in Consumer Law and Contracts for Nebraska on
Q: How long do I have to invoice a consumer for my service?

I was reviewing accounts and realized I never invoiced a consumer for my services. A year has passed since the services, are they still legally bound to pay me?

Julie Fowler
Julie Fowler answered on Sep 21, 2021

Depending on the facts, you are still likely within the statute of limitations to collect the debt. Call the customer and explain the mistake. The customer shouldn't expect to get a free service when there was an agreement to pay. You may also need to talk with your tax professional to find... Read more »

1 Answer | Asked in Consumer Law, Criminal Law and Federal Crimes for New Jersey on
Q: What the penalty for an 18 year old for the first time when commit Theft by unlawful taking or disposition
H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Sep 21, 2021

At 18 you are considered an adult in the criminal justice system so you face adult penalties which at the minimum for any theft offense is up to 180 days in jail, fines, probation etc if the amount is up to $200.00. Over $200 but less than $500 up to 18 months in jail, fines probation and Over... Read more »

1 Answer | Asked in Consumer Law and Contracts for Florida on
Q: Can I change pool contractor or sue him?

We signed a contract for a pool in August 2020, it took months for the permit and they started digging 6 months ago. They have only worked 6-7 actual days on it. Tiling was supposed to be done 2 weeks ago and the contractor stopped responding to us a week ago. Can we sue him to finish? or can we... Read more »

Linda Liang
Linda Liang answered on Sep 20, 2021

Yes, you can do both. A signed quote is an enforceable contract if it is signed by them.

1 Answer | Asked in Consumer Law for Massachusetts on
Q: What steps should I take if being sued by debt collector? I received letter to appear in court. I owe a portion of debt.

I do not have means to pay amount owed. May I offer settlement to be paid over time?

Christopher Tolley
Christopher Tolley answered on Sep 20, 2021

Certain forms of income are exempt from collection. If you only have exempt income, the debt collector cannot collect funds from you. Exempt income includes, but is not limited to Federal old-age, survivors and disability payments, Supplementary Security Income (SSI) for the Aged, blind and... Read more »

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Elder Law for Mississippi on
Q: What type of lawyer specialty would held a client who had a 'Visiting Angles' caregiver steal from them?

Incident occured in Hattisburg, MS.

Melissa L Gardner-Ardoin
Melissa L Gardner-Ardoin answered on Sep 17, 2021

Any Mississippi lawyer can help you with this issue; however, if you are alleging that someone stole from you or a family member, the thing to do would be to contact law enforcement to file a complaint with them so that an investigation and arrest can be completed. If you are looking to recoup the... Read more »

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Civil Rights for Alabama on
Q: It has been raining in my apartment due to storm damage over a year. Where can I get help with a matter like this?

I (we) have reached out to many people about this. Other tenants have been to the mayor ,sheriff and health department as a group. No one will come. Not even a bad area. We are right beside an elementary school. The Health Department wont come just this week after a year of calling did I finally... Read more »

Travis T Juneau
Travis T Juneau answered on Sep 16, 2021

If your apartment is uninhabitable and you have made the landlord aware and the landlord has failed to improve conditions and make the home habitable then you are allowed to break the lease and move. If you get sued by your former landlord for breaking the lease you will have a recognized defense.... Read more »

2 Answers | Asked in Civil Litigation, Contracts, Consumer Law and Real Estate Law for Florida on
Q: Can a plat map be used as a road disclosure in closing documents, even though there is a abutting road disclosure

At closing we were not told about the retention pond and the private road. There was a abutting road disclosure. Nothing else. There was a line about you must join the HOA and follow the CCR. The CCR’s were not given prior to closing. Hidden in there was a line about the HOA being responsible for... Read more »

Barbara Billiot Stage
Barbara Billiot Stage answered on Sep 16, 2021

This is why it is so important to have your own real estate lawyer represent you in a transaction. You will now need one to review your closing documents, the HOA documents, your survey of your property and the neighborhood plat, which often attached to the HOA documents but not always. The HOA... Read more »

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2 Answers | Asked in Bankruptcy, Consumer Law, Contracts and Legal Malpractice for Maryland on
Q: I was given 2 responses but I dont know how to respond directly. I signed with my current Attorney in Oct of 2019.

Came up with a plan - started paying the bankruptcy each month. Paid into it March through November of 2020. My attorney filed something incorrectly - case was dismissed for a month. Started getting calls from creditors. He corrected it - I'm back in the bankruptcy. Bankruptcy approved in Dec... Read more »

Mark Oakley
Mark Oakley answered on Sep 16, 2021

You can get a second opinion from another experienced bankruptcy lawyer, who will need to review your case and the filings in it. If there is something new that can be done, other than what is being done, then they will tell you. If there was malpractice, then they can identify it for you and... Read more »

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1 Answer | Asked in Consumer Law, Legal Malpractice and Federal Crimes for California on
Q: If a lawyer separates settlement money from the awardee by investing the funds which end up being diverted is it legal?

Is the refusal to release the funds to the client by investing or stalling embezzlement?

Scott Richard Kaufman
Scott Richard Kaufman answered on Sep 15, 2021

Sounds bad. The BAR can answer this for you, given more specifics.

1 Answer | Asked in Consumer Law, Criminal Law and Personal Injury for Tennessee on
Q: herlp with idenity theft personal freedom violations forgery fraud illigeal financial transactions theft cryptocurtency

im west tn it is ongoing and expanding to point cell numbers emails stolen every sigle aspect my life affected hidden cam ease dropping- extensive.. point i am complete prisioner who would i contact to help stop and convict these individuals thanku respectfully jg MD

Tim Akpinar
Tim Akpinar answered on Sep 15, 2021

A Tennessee attorney could advise best, but your question remains open for two weeks. You could reach out to attorneys who handle identity theft matters. It could also be worth considering reaching out to financial institutions who handle your banking and credit cards to find out if the identity... Read more »

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