Consumer Law Q&A by State
Your current state is Virginia
Consumer Law Questions & Answers
Q: Do I have a Maryland Consumer Loan license to lend a friend $6,000.00 and charge 14% interest for a four year term?
Say what? How can anyone know whether you "have a Maryland Consumer Loan license" or not? And why do you not know?
Q: I was informed and given a letter that I was approved for a $60000 home equity loan but they changed the amount.
I got a letter saying I was approved for a $60000 home equity loan. The next day I was called and told that they were wrong and it was only $40000. The next day I received a letter that stated I was approved for the amount of $60000 signed by a loan officer. I was later informed they wrongfully... Read more »
Do about what? You asked for $60,000 and you are getting $60,000. Where's the beef?
Q: I'm 18 in NC. My parents kicked me out without notice. Aren't they supposed to have a written notice in advance?
Long story. I pay some Bill's and am working almost full time.
Sorry, but no. The law does not require parents to give any notice to their adult children before they kick them out of the nest. You might understand why someday--when you have adult children.
Q: Who should pay, me or the mechanic?
I have a car that overheated and went to a mechanic to fix it. He told me that I have to replace the fan with a new one so I was ok with it. He ordered an aftermarket fan and replaced it. After 3 months the car overheated. I called him and said the car overheated and he said to bring it back to the... Read more »
Your mechanic who fixed the car agreed to fix it again; find a way to take it back to him. No excuses.
Q: Lexus had my car's since. January say I own them 3600 for damage I done to a loaner no repair was done to my car what c
These are two separate issues. They're holding your car is a "civil" stealing or "conversion" of your property. They need to sue you for the "other" damages and prove it.
Q: I cosigned a car for my brother and he is not making payments. Can i take him to court to take the car if i pay it off.
I cosigned a car for my brother and he is not making payments for 5 months. Since we got the car he has been making late payments. Can i take him to court to take the car if i pay it off. Me and my brother's name is on the title. If i pay the car off, the bank will send the title to me. Can i take... Read more »
In most states either person named on the title has the ability to sell it or to do anything else with the car. If you pay it off the bank will give you a new title, which you can use any way you want.
Q: Seeking advise about getting a vehicle replaced
I am writing for my daughter that lives ion Verona. She took her 2018 Hyundai Tuscon to a Chevy dealership for an oil change, as part of a benefit fund raiser. The service staff at the Chevy dealership left the oil drain plug not fully tightened resulting in it falling out and the oil draining,... Read more »
She has several different potential options; and accepting their offer doesn't sound like it makes her whole. I would suggest she contact a consumer lawyer in Wisconsin. They should offer her a free consultation where they can explain her rights and options. Many of them also take cases like this... Read more »
Q: Hi, Is a manufacturer dealership responsible to inform me of any recalls when I’ve taken my car there for repairs
I take my car to the manufacturers dealership for repairs and services
They should but it's really the manufacturer itself who should be sending you the information.
Q: Should I respond to a civil lawsuit or just wait for my hearing.
Me and wife were served a summons for a civil lawsuit for an outstanding hospital bill from 10/13. We have no assets, don’t own our home and I am on SSDI wife is unemployed and has pending SSDI claim. We have no way of paying this. Is it in our best interest to file a response to this summons or... Read more »
You appear to have a viable defense. The statute of limitations is 4 years on a written contract. Code of Civil Procedure section 337. Whether or not you agreed to extend the statute or it has been tolled by your progress payments is unknown.... Read more »
Q: Would I be able to take legal action inside Canada towards someone who has committed something outside Canada?
A current resident of Canada had bought cars for business purposes from a car dealer outside Canada. He paid by cheques and most of them did not go through. He is currently in Canada and the car dealer wants to give power of attorney to someone in Canada to follow up and take legal action against... Read more »
FYI: Using a POA to litigate is not possible--unless the person who was given the power is also a licensed attorney. In short, hire a Canadian attorney.
Q: My mother passed away and left me a TD Ameritrade account. I have an old student loan can they take it ?
They can and they will if you leave it there in that form long enough. What to do depends on the amount in the account.
Q: hello , what would be "proper cause" NOT to testify for one of the two partys in a case.
If you received a subpoena, there is no proper cause not to appear. If you have not received a subpoena and don't want to testify, then don't go to court.
Q: I’m being sued by Midland for $1200 credit debt and don’t know how to respond. What do you suggest ?
1. Pay;
2. File an Answer within 30 day of service upon you and defend yourself; or,
3. Consult bankruptcy counsel.
Q: How much is a late fee on your water bill
Whatever is charged by your municipality, as lawfully permitted by applicable public service commissions.
Tim Akpinar
Q: I reside in Nebraska. I bought a car from a buy here pay herr as is no warranty. However, I don't want the car anymore.
I called and ask to speak to finance and the guy that sold me the car said he is finance. I understand that most have in house finance but is it legal to have a different business name associated with the same address as the dealership? They literally claim they are calling the finance company... Read more »
It is possible for a parent company to own both a car dealership and a financing company.
Unless the contract has a return policy, you can't generally return a used car after purchasing due to changing mind. If you can reach an agreement with the seller to allow the return, great. In... Read more »
Q: Can my subscription be switched to a different journal w/o my permission?
I had a subscription to Earth, a publication published by the American Geosciences Institute (which is still in business).
They sent me a letter saying they will no longer publish this magazine, and w/o my permission the remaining money of my subscription was transferred to a different... Read more »
You are correct. Ordinarily under contract law, if the object of consideration is not available, people would be within their rights to expect a return of money. However, it's possible that buried in the fine print is a provision that allows substitution of one publication for another. It depends... Read more »
Q: Hello, i booked a villa through a very popular website. It turned out to be a fraud.
1-we payed the full amount, just because its bot the first time.
2- the website canceled the booking because they know that the host has violated some rules (however they did not state it in the email or sms) so we didnt know why the canceled.
3- if we knew that the host violated... Read more »
If you used your credit card, did you seek a refund?
Q: Jiffy Lube damaged my car , $6,151 in damage. Jiffy Lube may pay me barely book value. Car worth $1,000. Can i get more?
On 3/23/2019 I had Jiffy Lube’s “recommended” maintenance schedule work done on my Toyota matrix wagon at Store #457,New Jersey, 973-586-3338. Lubrication LLC., 133 Route 46, Rockaway, NJ. 07866. My vehicle at the time had 184,964 mileage on it. Jiffy Lube representative, Representative:... Read more »
Your situation is complex and unless the NJ Consumer Fraud Act is applicable, that will servery limit the amount on money that you can recover. Your situation will require an in person consultation.
Q: Can I legally charge a finders fee to help someone claim an escheat check?
I would not try to do that unless you are a lawyer or otherwise have financial services credentials or debt collection credentials issued by Hawaii.
Q: I was scammed; I need a consultation on Regulation E.
I was tricked into wiring money from my bank in Hawaii to a bank in New York. The FBI says I will not get my money back; the account at the bank in New York has been closed. I have other agencies working on recovering it but I don't have much hope. At this point, I am interested in paying an... Read more »
If it helps at all, you should know that you are among many thousands of working Americans and retirees who have recently sent vast sums of money to strangers who promised "really great earnings" on their "investment." The FBI cannot possibly keep up with all the thieves. Moreover, since two... Read more »
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
