Get free answers to your Consumer Law legal questions from lawyers in your area.
I traded my van in for down payment if I still owed at the time why would they let me take the car and in 1 week they repo it they never sent me notice or anything
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answered on Mar 20, 2024
If your car was repossessed and you believe it was done unfairly or prematurely, it's crucial to review your loan or lease agreement closely. These documents should detail the terms of your payments and the conditions under which repossession can occur. If your payment was not due until March... View More 
Equifax is being especially aggressive. Despite my disputes to the agencies, uploading of documents, and complaints to the CFPB, they continue to report all discharged debt as delinquent. It's gotten weird (such as Equifax reclassifying my Chap. 7 to a Chap 12.) No Idaho lawyer wants my case... View More
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answered on Nov 13, 2023
If Equifax and other credit bureaus are incorrectly reporting pre-bankruptcy delinquencies on your credit report despite a Chapter 7 discharge, you might need to consider escalating the matter. Since local attorneys are not taking up your case and the costs are prohibitive, exploring the option of... View More
Was a loan agreement in someone else’s name. Is this a valid suit/summons?
answered on Nov 16, 2023
If you were named as a defendant, the case is valid but you have a defense that it is not you that owe the debt. If it was simply a mistake by the attorney that could likely be fixed in litigation.
My niece made a reservation at an RV park last April for a camping spot for September 29-October 1. She paid the camping fee of $130. In September, I was told that I needed to have surgery on my shoulder as soon as they could get it scheduled. I told my niece on September 13 that I was not... View More
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answered on Nov 9, 2023
Based on the facts provided, it does not appear legal under Idaho law for the RV campground to require you to provide a doctor's note in order to receive a refund for the camping reservation.
In Idaho, there is no specific statute governing refund policies for recreational campgrounds.... View More
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answered on Sep 28, 2023
In Idaho, as in many states, a creditor generally has to obtain a judgment before garnishing your wages. If a debt is over seven years old, it might be past the statute of limitations, but this can vary. If you weren't aware of the debt or the judgment, you may have options to challenge it.
I was unaware of things not working except need batteries, propane, gas for generator. That's all I was told about it. She has taken possession, now says nothing works and said she won't pay me any money. She has it somewhere I don't know about and she blocked texts, but has sent me... View More
answered on Mar 30, 2023
You will need to have an attorney write her a demand letter. The issue is whether you promised to sell her the 5th wheel, with "only batteries" needed, or if you said, "everything works fine," etc. What promises did you make to her prior to selling it? Those are the types of... View More
I had two partial loss home fires 9 months ago and my insurance company sent over an adjuster then. Now nine months later when my contractor is already working fixing the damage they want to come assess the damage again because my original adjuster quit the company
answered on Nov 24, 2022
No set time, however, the insurance company will do its “due diligence,” and get their “findings” to all parties in “due time.” Most courts will not criticize an insurance company for taking too long, if there are questionable issues.
Over nine months ago. Now I guess my adjuster quit and they closed my file even though my contractor was communicating back and forth with the adjuster that quit and they want to start over from square one and send a new adjuster over to evaluate the damage. Isn’t there a time limit on how long... View More
answered on Oct 24, 2022
"Bad faith," 2 words that lawyers enjoy bantering about and insurance companies loathe hearing. But, in Idaho, to show "bad faith," you must show that the insurance company's payment or treatment was "intentional" or based on gross negligence. Courts are fair... View More
I live in Nampa, Idaho and I know that some nonalcoholic drinks are treated the same as alcoholic drinks, so if someone is not able to prove they're 21 and older then they'll be refused of service. So my main question is, is it illegal for a young adult below the legal drinking age to... View More
answered on Jul 25, 2022
Of course. If you substitute the words "non-alcoholic beverages" for "water," the answer would make more sense. Idaho law prohibits those under twenty-one (21) from consuming alcohol. So, what I think you might be talking about is if you were stopped by police or they... View More
Someone showed me a fake bank document, but are not using it.
answered on Mar 1, 2022
What kind of "bank document" did he/she show you? If it was a bankcard and was used to access the money in the bank under the person's name, then it is ILLEGAL and prosecutable. If it was someone else's bank statement, it is called FRAUD, if it was utilized to obtain a loan.... View More
answered on Oct 5, 2021
It's ALL in your contract. If they broke their contract with you, you can sue them for the reasonable value of your generator, less the money they gave you for pawn, plus the money you paid in monthly payments. Good luck to you!
P.S., sue them in Small Claims Court.
i know idaho is not consumer friendly but if i bought the car as is and my contract states if a written warranty is given then implied and express warranty can not be waived. the car has frame damage power steering has failed twice the car was not able to be driven for almost a month 3 days after... View More
answered on Aug 2, 2021
The warranty that CANNOT be waived is the warranty that the "car will be fit for the purpose it was intended." If you bought the car "AS IS," did you ask any questions? Did you ask to have the car overnight to have a mechanic look at it? You also mentioned your question as a... View More
I have bought a motorcycle from a dealer June 2020 I financed this. I have paid this off March 21 and called my bank they can’t find the title. I called the DMV and they stated that it’s in the first owners name from 2018. This was odd as it was financed by a bank in North Carolina but yet they... View More
answered on Apr 9, 2021
The dealer is unscrupulous and should give you your money back. They lost the title or hadn't received it when they sold it to you. Idaho gives the owner of the bike 30 days to get the Title to the new owner. Your options now are: begin litigation against the dealer, you will win. Or, go... View More
I owed money but we had an agreement for monthly payments,
that I have kept. They took my stimulous
answered on Mar 4, 2021
Was your agreement in writing? If they "tapped" your bank account, it sounds an awful lot like they have a money judgment against you and they are using their rights to "attach" bank accounts and anything else you have that isn't "exempt." Exemptions are found... View More
answered on Jan 21, 2021
Shouldn't be able to be arrested for "theft," as long as the vehicle is titled in your name. There must be more facts to this story?
I paid the down payment and some of the car payments, the registration and repairs.
answered on Nov 17, 2020
Nope. You were the first signer on the LOAN, right? Your name is or is not on the title? If your name IS on the title as a "co-owner," then you have as much right as he does to possess your car. However, how the car is titled is a big deal in Idaho. If you haven't paid the car... View More
I have saved all cash and I have found a vehicle from a private entity since I am under 18 and am buying the vehicle out right do I need to have some one else cosign on the title or can just I sign it I will be 18 in less than 12 months and don't want to retitle the vehicle. Also if my name is... View More
answered on Oct 20, 2020
Hi there,
Yes you need to have a co-signer, not because you may not have good credit but for the same reason that you may NOT title a car in your name, until you're 18 yrs. old. So, right now you can titled it in yourname/co-signer's name and then in one year, re-title it in just... View More
I returned to the dealership within a month of driving and complained about the tire locking up when I turn left. They suggested it could be the hub which I paid them to replace and the problem has not only continued but has gotten worse. They told me to just turn traction control off every time I... View More
answered on Oct 12, 2020
Dear Robbed,
Please correct me if I misstate the facts you've listed.
First, you purchased a vehicle from a dealer? Was the car new or used?
Second, if it was used, did it have a "AS IS" sign on the windshield?
Third, if it was used AND it had an... View More
I believe my rights were violated judge would not take evidence into consideration
answered on Sep 23, 2020
Without knowing a few things it would be difficult to give you proper guidance. I would like to know 1) what the evidence was that you tried to get in; 2) what the objection was to it's admission? 3) what point was the evidence sought to be introduced? Did the case make it to trial? Was... View More
medical recovery debt hired a lawyer and keeps suing me for crazy amount in fees. 10k 10 years later
answered on Aug 6, 2020
A money judgment in Idaho must be renewed every five (5) years and then can only be renewed 3 times. If the creditor continues to try and collect, see if they have renewed their money judgment. If they've renewed it correctly, then it looks like you're only a few years from outliving... View More
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