Consumer Law Questions & Answers

Q: Is fake complaining to a business to get free stuff illegal? Especially if you make thousands of dollars off of it?

1 Answer | Asked in Civil Litigation and Consumer Law for Pennsylvania on
Answered on Jan 21, 2018

Ref your question. It falls under fraud and cheating.
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Q: I have a sole proprietor optometry practice and investigating security surveillance cameras. In NJ is it permissible to

1 Answer | Asked in Consumer Law, Criminal Law and Business Law for New Jersey on
Answered on Jan 21, 2018

We are not supposed to give specific legal advice over these sites. What you need to do is to set up a in office consultation with an experienced lawyer.
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Q: I was served a summons/complaint. It was NOT filed with the court. I answered and challenged the debt. What happens now?

1 Answer | Asked in Consumer Law and Small Claims for North Dakota on
Answered on Jan 20, 2018

Call an attorney who deals with this type of case. They do not have to file immediately.
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Q: I allowed this couple to take over payments for my car I cannot afford, but they are not making payments

1 Answer | Asked in Civil Rights, Bankruptcy and Consumer Law for Virginia on
Answered on Jan 20, 2018

Your first stop should be your local Legal Services. They can offer you legal help if you are unable to afford a lawyer. Schedule a time to speak with them.
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Q: How am I able to retrieve my refund from the aftermarket warranty I cancelled on a used vehicle I purchased in 2016?

1 Answer | Asked in Consumer Law, Small Claims and Contracts for California on
Answered on Jan 19, 2018

If the terms of the warranty are that disputes are to be resolved through arbitration, then that is where your claim must be pursued.
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Q: a company reported a viginia criminal court record that did not belong to me can l take action on this

1 Answer | Asked in Consumer Law for New Jersey on
Answered on Jan 19, 2018

Maybe much more information would be needed to answer your question such as did the person have a similar name, is this person your identification etc., etc.
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Q: Proof of Loss. What do I fill in after/do I leave blank "...or received indemnity therefore except as follows:"

1 Answer | Asked in Contracts, Collections, Insurance Bad Faith and Consumer Law for California on
Answered on Jan 19, 2018

It sounds like if you have received payment from anyone for any of your losses, you would itemize those payments in that space, but it's hard to say without reading the entire document.
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Q: Unlawful car repossession in my credit report.

1 Answer | Asked in Consumer Law, Contracts and Banking for Florida on
Answered on Jan 19, 2018

Short answer is maybe. You need to try to convince the creditor to change or remove the entry or correct it and or the credit reporting entity.

Just FYI. Credit reporting is a history record of good and bad credit events. If the repossession was due to occur but the creditor failed to follow Florida law the history would still show bad credit event but likely should show just the bad event or lack of payment and not a repossession. However you may have a long uphill battle to get the...
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Q: Several Unpaid ER bills 5+ years old reporting to credit bureaus. Violation statute of limitations Florida?

1 Answer | Asked in Consumer Law and Contracts for Florida on
Answered on Jan 19, 2018

Credit reporting is a history of activity consisting of both good or bad events. The event of the unpaid debt can be reported provided that the history or record is correct. Whether the debt is collected or ever collectible is not relevant. It is simply a history.
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Q: How can I resolve an old debt situation without damaging my credit?

1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Answered on Jan 18, 2018

They showed up in the tax documents.

What does that mean.

These debts are too old to be owed and will not show up on your credit report.

You could mess up by paying on them.
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Q: How do I get medical collections bill off credit report?

3 Answers | Asked in Collections and Consumer Law for Florida on
Answered on Jan 18, 2018

From you post, you state you owed $3,200.00 agreed to make payments and made only two payments and then apparently failed to pay and went to collections. Unless there is more details, your credit report correctly reflects that you owe the debt. If you are wanting the credit report to show that you owe $400.00 less than the original $3,200.00 honestly such a change will not help your credit. Also, a credit report is a history of your credit. Both good and bad events go on their. so to my...
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Q: Greeting! What would happen if i stop my car payments because i can't afford them ? but i don't want to file bankruptcy.

1 Answer | Asked in Consumer Law, Contracts and Banking for California on
Answered on Jan 18, 2018

Your car will be repossessed whether you file bankruptcy or not.
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Q: We own a vacation rental home in Cape Coral, FL. I had a company resurface my pool deck.

1 Answer | Asked in Contracts, Construction Law and Consumer Law for Florida on
Answered on Jan 18, 2018

You do not have the right to just deduct the amount from their final payment. However, you would have the right to sue them for breach of contract and damages. I suggest that you consult with an attorney in your area. However, I suggest that the sum of $948.00 is probably not worth hiring an attorney to handle a most attorneys bill hourly at $250.00 per hour or higher in that area.

You could of course bring the action yourself as a small claims case.

Good luck,
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Q: A water mitigation company put a lien on my house, the RBL used on the lien was not active at the time of the work

1 Answer | Asked in Consumer Law and Real Estate Law for Michigan on
Answered on Jan 18, 2018

"RBL" as in a loan? Reverse based lending? Please clarify so that I can address your concern.
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Q: how do i stop fraudulent charges against my credit

1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Florida on
Answered on Jan 18, 2018

There is not enough information to say what course of action you should take. Your steps so far seem reasonable you just have to be persistent to argue your position to the proper party at the doctors office.

Good luck.
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Q: I sold my car but did not go to the dmv to transfer ownership. The car has been towed... what can I do?

1 Answer | Asked in Traffic Tickets and Consumer Law for California on
Answered on Jan 17, 2018

if you can not afford a lawyer, write a letter to the court.

normally they do not like that but explain you did on line transfer and hopefully you have some proof you can copy and enclose.
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Q: Can a website administrator provide access to the relatives of an account member?

1 Answer | Asked in Consumer Law, Contracts and Internet Law for California on
Answered on Jan 17, 2018

Maybe. Is there a Power of Attorney, Guardianship, Parent-Minor relationship? What do the terms of service say?
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Q: My Dad and I are purchasing a townhouse. Only his name is on the mortgage. Mine on title. HOA will check my credit?

1 Answer | Asked in Consumer Law for Florida on
Answered on Jan 17, 2018

Most likely the HOA will check both of your credit reports.
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Q: Can I call cops on 14 year old who refuses to go to school

1 Answer | Asked in Consumer Law, Family Law and Juvenile Law for New York on
Answered on Jan 17, 2018

Talk to the school social worker first.
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Q: I am a cancer survivor. My Radiation provider is requesting my bank account & valuables info via subpoena. Legal?

1 Answer | Asked in Civil Litigation, Consumer Law and Small Claims for New Jersey on
Answered on Jan 16, 2018

It is not lawful. Consult a consumer law attorney.
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