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Consumer Law Questions & Answers

1 Answer | Asked in Banking, Business Formation, Business Law and Consumer Law for Maryland on

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?

Bruce Alexander Minnick answered on Jun 18, 2019

Say what? How can anyone know whether you "have a Maryland Consumer Loan license" or not? And why do you not know?

1 Answer | Asked in Banking, Business Law and Consumer Law for Ohio on

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 »

Bruce Alexander Minnick answered on Jun 18, 2019

Do about what? You asked for $60,000 and you are getting $60,000. Where's the beef?

2 Answers | Asked in Consumer Law, Contracts, Family Law and Real Estate Law for North Carolina on

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.

Bruce Alexander Minnick answered on Jun 17, 2019

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.

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1 Answer | Asked in Consumer Law, Contracts and Car Accidents for Arizona on

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 »

Bruce Alexander Minnick answered on Jun 16, 2019

Your mechanic who fixed the car agreed to fix it again; find a way to take it back to him. No excuses.

2 Answers | Asked in Consumer Law for California on

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

Scott Richard Kaufman answered on Jun 15, 2019

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.

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1 Answer | Asked in Consumer Law, Contracts and Small Claims for New Jersey on

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 »

Bruce Alexander Minnick answered on Jun 13, 2019

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.

1 Answer | Asked in Consumer Law for Wisconsin on

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 »

Nathan DeLadurantey answered on Jun 13, 2019

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 »

1 Answer | Asked in Car Accidents and Consumer Law for Maryland on

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

Peter N. Munsing answered on Jun 12, 2019

They should but it's really the manufacturer itself who should be sending you the information.

1 Answer | Asked in Consumer Law, Civil Litigation and Collections for California on

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 »

William John Light answered on Jun 12, 2019

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 »

1 Answer | Asked in Consumer Law and Contracts on

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 »

Bruce Alexander Minnick answered on Jun 12, 2019

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.

1 Answer | Asked in Consumer Law for New York on

Q: My mother passed away and left me a TD Ameritrade account. I have an old student loan can they take it ?

Michael David Siegel answered on Jun 12, 2019

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.

1 Answer | Asked in Consumer Law, Criminal Law, Employment Law and Business Law for Louisiana on

Q: hello , what would be "proper cause" NOT to testify for one of the two partys in a case.

Ellen Cronin Badeaux answered on Jun 12, 2019

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.

1 Answer | Asked in Consumer Law for California on

Q: I’m being sued by Midland for $1200 credit debt and don’t know how to respond. What do you suggest ?

William John Light answered on Jun 11, 2019

1. Pay;

2. File an Answer within 30 day of service upon you and defend yourself; or,

3. Consult bankruptcy counsel.

1 Answer | Asked in Consumer Law and Collections for Mississippi on

Q: How much is a late fee on your water bill

Timur Akpinar answered on Jun 11, 2019

Whatever is charged by your municipality, as lawfully permitted by applicable public service commissions.

Tim Akpinar

1 Answer | Asked in Business Law, Consumer Law and Lemon Law for Nebraska on

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 »

Julie Fowler answered on Jun 10, 2019

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 »

1 Answer | Asked in Consumer Law on

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 »

Timur Akpinar answered on Jun 10, 2019

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 »

2 Answers | Asked in Consumer Law, Criminal Law, Federal Crimes and Bankruptcy on

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 »

Gary Kollin answered on Jun 9, 2019

If you used your credit card, did you seek a refund?

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1 Answer | Asked in Consumer Law for New Jersey on

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 »

Leonard R. Boyer answered on Jun 8, 2019

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.

1 Answer | Asked in Consumer Law, Real Estate Law and Tax Law for Hawaii on

Q: Can I legally charge a finders fee to help someone claim an escheat check?

Bruce Alexander Minnick answered on Jun 7, 2019

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.

1 Answer | Asked in Consumer Law and Banking for Hawaii on

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 »

Bruce Alexander Minnick answered on Jun 6, 2019

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 »

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