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Arizona Consumer Law Questions & Answers
1 Answer | Asked in Insurance Bad Faith and Consumer Law for Arizona on
Q: Auto Insurance is cancelling policy for a rate increase due to accounting error and failed to notify customer

My automobile insurance company randomly increased my rates mid-contract when I paid in full at the beginning of the policy. The cause of rate increase was an accounting error on one of my discounts and they discontinued the discount 2023. This happened in Jan 2023. They sent me an email notice of... View More

Tim Akpinar
Tim Akpinar
answered on Apr 23, 2023

An Arizona attorney could advise best, but your question remains open for three weeks. Nationwide, consumer rights matters involving insurance are usually overseen by state departments of insurance. Most states have such agencies. In your state, it looks like there is the Arizona Department of... View More

1 Answer | Asked in Collections, Consumer Law, Education Law and Civil Litigation for Arizona on
Q: School says the made "mistake" after sending me an enrollment letter and sent my grants to collections. what can i do?

I got accepted into a university, weeks pass and I get my grant to buy books and supplies. a short amount of time before the semester starts they say they made an "error" and put me in an earned enrollment program and cancel my classes not allowing me to reenroll in the current semester... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Sep 23, 2022

I'd advise you to do 2 things:

1. make an appointment with a lawyer who handles general civil matters, and take all of the documentation who have so the attorney can make a professional assessment of your situation. It may mean you calling around to everal lawyers and several...
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1 Answer | Asked in Civil Litigation, Collections, Consumer Law and Small Claims for Arizona on
Q: If a creditor gets a judgment against garnishee, and the garnishee pays that in full, Can they then collect from Debt?

Small Claim/ Civil Garnishment: If a creditor gets a judgment against a garnishee for failure to comply (not filing a garnishee answer), and the garnishee pays judgment in full, Can the garnishee then go after the Debtor for these funds?

Stephen M Vincent
Stephen M Vincent
answered on Jul 26, 2022

It's possible. The proper thing to do when paying off a Court-ordered debt is to have the judgment creditor sign a Satisfaction of Judgment and file it with the Court.

That said, if you have a record you made the payment, you should notify the Court right away that you have paid it and...
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1 Answer | Asked in Consumer Law, Criminal Law, Constitutional Law and Native American Law for Arizona on
Q: Can I get a case thrown out if the incident happened on10/24/2022but issued a warrant on 5/3/2023. Why so late for that?

Was let go the day of the incident

Arrested but on a different case but was a misunderstood and let go

Recently issued a warrant

But when I was getting questioned I was getting questioned by the fbl or Dea about a different case that has nothing to do with me

James L. Arrasmith
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jul 10, 2023

It's important to consult with a legal professional to understand the specifics of your case and address your concerns about the timing of the warrant. They can review the details, assess any grounds for challenging the case or seeking dismissal, and provide guidance based on their expertise.... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: I called a plumbing company because my pipes were clogged. They installed unecessary cleanout valves.

Bottom line... the plumber's called buddies in restoration business. They called and set-up my claim with my homeowner's insurance. The plumber's are working at my house and I need to go to the courthouse to secure an Order of Prot. against my live-in rommate who threatened to kill... View More

John Michael Frick
John Michael Frick
answered on Mar 17, 2023

That’s quite a tale, but there is no question posed for anyone to answer.

Try reposting this with a specific legal question stated clearly either first or last.

1 Answer | Asked in Consumer Law, Contracts and Collections for Arizona on
Q: If i inform my credit collectors that every call to my number and message left is a fee of 50$ can i than charge legally
Joel Gary Selik
Joel Gary Selik
answered on Mar 5, 2023

While that is a clever idea, you would not be able to require payment. There are ways in which you can legally deter Creditors from calling, but doing so many encourage them to file a lawsuit. Consult with experiences attorneys.

2 Answers | Asked in Consumer Law, Bankruptcy, Contracts and Collections for Arizona on
Q: Can/will credit card companies get a court order to place a lien on my potential newly purchased car?

I live in Arizona. During Covid I improperly managed my finances and developed a large amount of credit card debt ($30,000ish from about six credit cards). I defaulted on them and was sued by three credit card companies; all three won default judgments 2 years ago. One got a court order to withdraw... View More

Timothy Denison
Timothy Denison
answered on Jan 19, 2023

Anything you own or in your name is subject to the judgments snd liens granted to those creditors. You probably need a lawyer to help you negotiate these out.

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1 Answer | Asked in Collections and Consumer Law for Arizona on
Q: Can a creditor still collect on an account they closed?

If a creditor sued me and received default judgment then recorded it with the county, but later closed the account do I still have to pay them when selling the house?

Barry W. Kaufman
Barry W. Kaufman
answered on Dec 7, 2022

But later closed the account? You mean like a credit card? Yes, you have to pay the judgment.

1 Answer | Asked in Consumer Law, Collections and Elder Law for Arizona on
Q: A bathroom remodeler wants to assess me with restocking fees because I want to cancel now after 4 mos., can they do that

Installation was set to begin the week of September 26th. installers arrived & I questioned them on what exact directions were they given for the bathroom intallations. After their compliance with my request, I noted that they were given incorrect information concerning the specifics of one of... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Sep 30, 2022

Dollar to a donut says that in your contract/estimate/invoice/ etc., there's mention of a restocking fee. Restocking fees are common in that business.

1 Answer | Asked in Consumer Law, Estate Planning, Foreclosure and Real Estate Law for Arizona on
Q: Law or protection for deceased's home loan assumption by a Joint Tenant owner not not already listed on the mortgage?

Father-in-Law helped his daughter by buying a trailer home for her. The trailer is in Arizona where he also lives (but not in the trailer with her). She has lived in the trailer since 2000 when her Dad purchased it.

Daughter was added to the deed as Joint Tenant (JTWROS) couple years... View More

Nina Whitehurst
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answered on Mar 2, 2022

You are wise to be thinking about this proactively. The federal law that prohibits lenders from calling the loan due when the borrower dies applies to traditional homes and also "residential manufactured homes", so the answer depends on whether the home is a "residential manufactured... View More

1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Arizona on
Q: Does Arizona require dealers to have full insurance coverage on financed vehicles?

I know they will probably demand it but say they didn’t and the vehicle was totaled the first week and had no collision insurance. Is there a gap time or would the dealer be responsible for some of it

Nadine Sameer Deeb
Nadine Sameer Deeb
answered on Nov 15, 2021

A customer is required to have full coverage insurance on financed vehicles prior to departing the dealership with the vehicle on the day of purchase.

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Arbitration / Mediation Law for Arizona on
Q: Re U-Haul charges for stolen truck under my name. I did get the insurance on the truck and will be pressing charges

U-Haul still wants to charge me for stolen vehicle and who know what else.

I want to know what is the first best route to start this legally. Should I arbitrate or go to court...based on not much experience.

Tim Akpinar
Tim Akpinar
answered on Aug 13, 2021

An Arizona attorney could advise best, but your question remains open for two weeks. There could be provisions in your agreement that address arbitration. Some contracts have clauses that require arbitration over court - some contracts do not have such clauses. Good luck

Tim Akpinar

1 Answer | Asked in Consumer Law for Arizona on
Q: Does restitution need to be paid on student loans?

I am rephrasing this question as the answer I received didn't answer what I was asking. I owe restitution where I am responsible to pay 10% on all income towards it monthly. Are student loans considered income that would be required to pay 10% on? Example, I just took out $1250 in a loan to... View More

Joseph Abrams
Joseph Abrams pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Aug 7, 2021

The restitution order is separate and apart from any personal debts that you might have. The PO is responsible for collecting the restitution in accordance with the judgement issued by the court, and enforcing any other conditions ordered by the court. The repayment of personal debts is your own... View More

1 Answer | Asked in Consumer Law, Contracts, Products Liability and Business Law for Arizona on
Q: I have a small company and I want to manage/invest my clients' money; charing no fees. Are there any legal hurdles?

I want to be able to advertise that I will return a percentage per year on the investment. No fees.

Marcos Garciaacosta
Marcos Garciaacosta
answered on Jun 9, 2021

It depends on the type of business you have. You will need a license and registration with agencies.

Consult with an attorney.

1 Answer | Asked in Consumer Law, Estate Planning, Collections and Small Claims for Arizona on
Q: Is a loan company supposed to pursue the executive of state of a deceased person before pursuing co-signer.

Loan company was paid 19k from insurance. Deceased person left remaining balance of 1k due to late payments. Company asked for death certificate to pursue the executive of state but insist that I am liable for the remaining balance.

Andre L. Pennington
Andre L. Pennington
answered on Dec 3, 2020

There are 2 areas of law here. If you co-signed for the loan, you are jointly and severally liable, which means they can come after you, as well as affect your credit score. Sorry for the bad news.

1 Answer | Asked in Consumer Law, Contracts and Small Claims for Arizona on
Q: Am I obligated to pay for a rental car that I didn't sign an agreement fro it?

I recently rented a car, and typically before you get the keys, you sign a rental agreement. I was not asked to sign any agreement, am I still obligated to pay without signing an agreement?

Tim Akpinar
Tim Akpinar
answered on Oct 1, 2020

An Arizona attorney could answer best, but your question remains open for two weeks. As a general premise, signing an agreement has evolved from what it meant in the past. Digital keystrokes on a computer or other device have attained the same legal force as a traditional signature left by a pen on... View More

1 Answer | Asked in Consumer Law and Small Claims for Arizona on
Q: my mechanic said that the new engine was stolen by a guy at the dealer he ordered from. What can I do about this.

My gasket blew and I took it to my mechanic. I decided to buy a new engine and payed my mechanic up front for parts. After weeks he said that a guy from dealer stole it and engine was not delivered. He said when I asked that their was nothing legal he could think of to do about the dealer he... View More

Ana Maria Del Valle-Aguilera
Ana Maria Del Valle-Aguilera
answered on Aug 3, 2020

If your mechanic ordered the engine from a dealership and it is stolen at the dealership while in their custody, the loss is taken by the dealership and they would need to order a new engine. The allegations by your mechanic just don't sound right. If he purchased an engine, he must have a... View More

1 Answer | Asked in Consumer Law for Arizona on
Q: I would like to know legal remedy and ball park how many hours to sue a dealership for for misrepresentation.

Dealership knew they were selling an unsafe car and misrepresented the condition of the is not safe per 3 mechanics. Dealership has failed to repair issues or entertain a better car with more money. This car is not safe and they knew it and took advantage of what I didn't know and i... View More

Maurice Mandel II
Maurice Mandel II
answered on Jun 20, 2020

You need to contact a good "Lemon Law" attorney in your area. With as many car dealerships and car sales as you have in AZ, there will be some. Contact your local bar association for a referral. The question is not "How many hours?" but "Can you take this on a contingent... View More

1 Answer | Asked in Consumer Law and Divorce for Arizona on
Q: if I leave the house will I be abandoned my kids? My husband is abusive mental and physical.

he lost his job in covid 19

Jay Hall
Jay Hall
answered on May 25, 2020

No, removing yourself from an abusive situation is not abandonment. If you intend to divorce, you should take advantage of a free consultation at your earliest opportunity to discuss how to preserve all of your rights.

1 Answer | Asked in Civil Litigation, Consumer Law and Lemon Law for Arizona on
Q: Am I a Class Member even though I was not a plaintiff in Vargas, et al. v. Ford Motor Company?

With the recent Ford Class Action (Vargas, et al. v. Ford Motor Company) reaching a Settlement, I hope it's finally time to get rid of my problematic 2011 Ford Fiesta while Ford pays for it (it's currently at the dealership right now with transmission issues for about the 4th or 5th... View More

Adam Savett
Adam Savett
answered on May 8, 2020

You are a member of the class, and thus entitled to participate in the benefits of the settlement if you meet the class definition. You do not NEED to be a plaintiff in order to participate in most class actions in the United States.

The definition in this case is:

You are a Class...
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