Consumer Law Questions & Answers

Q: A car that was suppose to be repo'd over 3 years ago was never picked up. What can i do with the car now?

1 Answer | Asked in Consumer Law and Collections for Pennsylvania on
Answered on Apr 24, 2018
Cary B. Hall's answer
Contact Cary Flitter, Esq. at 888-668-1225 or consumers@consumerslaw.com. Great guy and his firm is in Narberth, and they have specific experience with Condor Capital. Please tell him I referred you to him, and best of luck!
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Q: Thinking about filing chapter 7 or13 due to being sued for credit card debt I can not pay. Will my home be liquidated?

1 Answer | Asked in Bankruptcy and Consumer Law for Maryland on
Answered on Apr 24, 2018
Nyasha A. West's answer
Unless you are in the arrears on your mortgage, your home will not be effected by filing bankruptcy. Prior to filing bankruptcy however, it is essential that you speak with an attorney to ensure you are able to adequately protect any equity in your home from creditors. In Maryland, homeowners are currently able to exempt up to $23,675.
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Q: Will Walmart come after me? They have sent the 3 letter & it was dismissed by the court due to my mom having dementia

2 Answers | Asked in Consumer Law, Criminal Law, Civil Litigation and Small Claims for Oklahoma on
Answered on Apr 23, 2018
Frank A. Urbanic's answer
They could go after you in civil court.
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Q: Can anyone tell me how I check if theres any complaints filed against me or if there are any court case open against me

1 Answer | Asked in Consumer Law, Criminal Law, Civil Rights and Collections for California on
Answered on Apr 23, 2018
William John Light's answer
The best way to check it is to call it, unless you want to pay for an internet verification service.
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Q: I was told I was the primary on a car loan and my aunt was a co-signer. I just found out it was a lie.

1 Answer | Asked in Consumer Law for California on
Answered on Apr 23, 2018
William John Light's answer
$700/month car payment? That's crazy. But, in response to your question, get a job and pay the debt. FYI, Your aunt's credit would be affected even if she was a co-signer. Both of you would be obligated to pay the debt.
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Q: After I fill out the debtor's answer form, and I give it to my employer does that mean the garnishment is to stop

1 Answer | Asked in Consumer Law, Small Claims and Collections for Wisconsin on
Answered on Apr 23, 2018
Sarah Lynn Ruffi's answer
It depends on your answer.
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Q: Hi, I would like to know if the distribution of - CBD enriched cosmetic oil with THC < 0.2% - is legal in Germany?

1 Answer | Asked in Consumer Law, Criminal Law, Business Law and International Law on
Answered on Apr 23, 2018
Richard Sternberg's answer
I think you need to consult a German lawyer, and I don't think German lawyers participate in Justia. We could find someone to research it, but I certainly don't know off-hand.

Reading an answer on the Internet does not create an attorney-client relationship. You are represented by me when we have both signed a retainer agreement (on paper or electronically) and some money has changed hands. Usually, you will have been asked specific questions about your situation and all potential...
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Q: Can a business avoid paying a debt by giving assets to someone else? (Debt was a mortgage for an investment property).

1 Answer | Asked in Banking, Business Law, Consumer Law and Contracts for North Carolina on
Answered on Apr 23, 2018
Paige Kurtz's answer
It depends on the transaction and how it is structured. Generally you can't avoid debts by transferring property and assets to insiders, particularly for no payment. The creditor can file an action to avoid the transfer based on several factors. Thus, if you are tranferring assets, it has to be for a legitimate business purpose and for the value of the asset. Since your questions are fairly detailed, you will need to discuss the transactions with an attorney for complete assistance.
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Q: By Tennessee Law if a contract states a 2% interest if breach of contract occars what is the max judgement interest rate

1 Answer | Asked in Civil Litigation, Consumer Law, Contracts and Small Claims for Tennessee on
Answered on Apr 23, 2018
Mr. James Charles Wright's answer
The below link should take you to the Tennessee Courts website. Unless the judgment set out an interest rate the rate for post-judgment interest for a Judgment in September 2012 would have been 5.25%

http://www.tncourts.gov/node/1232344
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Q: I owe 4 months condo fee and add late fees send me letter that is going to collection agency what action should I take

1 Answer | Asked in Collections, Consumer Law and Real Estate Law for Massachusetts on
Answered on Apr 23, 2018
Christopher Tolley's answer
Most condominiums in Massachusetts have provisions for charging late fees, attorney's fees and expenses of collection. Six months of past due common area fees are a lien on the unit prior to any first mortgage. Because of this, and because Massachusetts cases have held that common area fees and costs of collection are similar to real estate taxes, condominium associations I have dealt with are not inclined to discount or waive common area fees or late fees.

However, here are some other...
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Q: Seterus wAs told by our bankruptcy court to reduce our payments. They haven't and their attorney will not respond

1 Answer | Asked in Bankruptcy and Consumer Law for Arkansas on
Answered on Apr 21, 2018
Timothy Denison's answer
Seterus is a garbage entity. If they don’t respond, move to hold them in contempt and for attorney fees. You’ll be surprised at how quickly they respond then...
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Q: If someone takes a $300 product and throws them on the road on purpose and now has damage on them what actions do I take

1 Answer | Asked in Civil Rights and Consumer Law for Florida on
Answered on Apr 21, 2018
Terrence H Thorgaard's answer
Was the "$300 product" your property? If so, how did it come into the possession of "someone"?
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Q: new car from dealership, charges $450 for Tag/title. Per County cost was $99.75, get refunded $45, is this legal?

1 Answer | Asked in Consumer Law and Contracts for Florida on
Answered on Apr 20, 2018
Andy Wayne Williamson's answer
Yes you have legal rights. Do you have sufficient legal damages to justify the pursuit of a case against the dealer is the better question to ask. I suggest that likely no, as a lawyer will cost anywhere from $250.00 per hour to potentially $450.00 per hour or more.

Hope this helps.
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Q: HERE IS A COPY OF THE LETTER. I feel if I answer they are removing themselves from any guilt if any.

1 Answer | Asked in Consumer Law, Criminal Law and Divorce for Florida on
Answered on Apr 20, 2018
Andy Wayne Williamson's answer
This is a basic question and answer Legal site. Your situation appears to be more involved than the parameters of this site.
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Q: finding discoveries of fraud eight to ten years after commission by concealment, undeniable proof, have we got a Case?

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and White Collar Crime for Florida on
Answered on Apr 20, 2018
Andy Wayne Williamson's answer
What you describe is too complicated to evaluate via this free legal question and answer site. You truly need to consult with a civil litigation attorney in your area to get a full and complete evaluation.
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Q: Can a Financial Institution in Michigan add "Forced Place Insurance" on an Auto loan in light of the Wells Fargo suit?

1 Answer | Asked in Business Formation, Consumer Law and Insurance Bad Faith for Michigan on
Answered on Apr 20, 2018
Adam Alexander's answer
If your auto loan has a provision permitting forced-placed insurance it is likely legal and enforceable. Did you let your insurance policy lapse? Or did you not carry the minimum amount of coverage called for in the contract? If so, the CU may be able to force it. I would have to read the contract to give you a definitive response, but the Wells Fargo case involved forced-placed insurance on unsuspecting homeowners where the act was not allowed by the mortgage language. The escalation of...
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Q: I haven't made a payment in more than 5 yrs and do not want the property or live in it now. Am I liable for the loan?

2 Answers | Asked in Consumer Law for Florida on
Answered on Apr 20, 2018
Alex McClure's answer
You don't want to do anything. There is the possibility of whats known as a deficiency judgment. You can reach out to a local legal aid if you are low income, but try to not just ignore the situation.
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Q: How can a pro se litigant subpoena phone records from Cricket Wireless?

2 Answers | Asked in Civil Litigation, Consumer Law and Traffic Tickets for New Jersey on
Answered on Apr 19, 2018
H. Scott Aalsberg Esq.'s answer
That is not your problem as you do not need to be using your phone to get a cell phone ticket, just holding it for example is enough unless you fall under one of the exceptions. A pro se will rarely ever win a ticket in court as even most lawyers have a low success rates for cell phones tickets. If you want to win hire the best lawyer and pray you also get lucky because that is what you will need.
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Q: I ordered 100 gallons of propane gas to be delivered. The gas company delivered 283 gallons. What are my obligations ?

1 Answer | Asked in Business Law and Consumer Law for North Carolina on
Answered on Apr 19, 2018
Jake Andrew Snider's answer
It sounds like you've received valuable property by mistake that does not belong to you. At a minimum, you likely at least have an obligation not to use that fuel. If they request to retrieve it, then you probably need to let them do so. For absolute certainty on these questions, you should definitely consult directly with a lawyer.
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Q: Im work in collections in FL and my employer wants me to answer this letter from a CA. atty. im concerned if I should.

2 Answers | Asked in Business Law, Collections and Consumer Law for Florida on
Answered on Apr 18, 2018
Terrence H Thorgaard's answer
You didn't copy the entire letter. What specifically demand that your agency cease doing?

No, you aren't taking the fall; you are doing your job. Answer the letter.
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