Get free answers to your Consumer Law legal questions from lawyers in your area.
I am dealing with a B2B lead generation company whose Terms of Service require arbitration in Illinois, but the business has been harassing us and attempting to bribe us to remove a review of their services. Despite our cease and desist efforts, they retaliated by leaving an unfounded review on our... View More 
answered on Apr 17, 2025
Harassment is a legal finding, NOT something that can be simply be asserted by a party. You give no example of the conduct that you allege constitutes harassment. If you signed a contract with a choice of laws clause that mandates Illinois jurisdiction, that is where you are. Be careful!... View More
I bought a car on March 7, 2025, with the requirement to have full coverage insurance in order to drive it off the lot. The car salesman informed me that he would set up insurance for $401. I paid this amount via Cash App but did not receive a declarations page or any official documentation. On... View More
answered on Mar 26, 2025
First things first. Begin by contacting the dealer and requesting the name and contact information of the insurance company. In the future, avoid the situation by comparing various insurance carriers ahead of time and advising them of your intention to purchase this make and model vehicle so... View More
I was pulled over because my plate was suspended, which I was unaware of, but I only received a ticket for no insurance. I have already had a court hearing regarding the no insurance charge. Can a judge still order me to obtain an SR-22?
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answered on Feb 28, 2025
It is not the judge who orders it. The safety responsibility law requires anybody who receives court supervision for no insurance ticket and then later purchases insurance and brings proof to court to carry SR 22. If on the other hand, you had insurance at the time of the ticket and simply did... View More
I was a victim of a cryptocurrency scam where my CashApp and Coinbase accounts were hacked. Both companies refuse to refund my losses, claiming that I authorized the transactions. I've reached out to both platforms and filed a police report; however, the investigation is taking a long time,... View More
answered on Feb 23, 2025
Hello,
We understand the distress caused by cryptocurrency scams, particularly when financial platforms deny liability. Given the nature of your case—unauthorised transactions on CashApp and Coinbase—you may have several legal and strategic options to pursue recovery.
Immediate... View More
I bought my Grandchildren a Gorilla playset 8 years ago and assembled by professional.On September 28, 2024 it collapsed on 2 of the kids causing 1 severe injuries to her spleen and kidneys. It has been maintained every year and came with 10 year warranty.
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answered on Nov 24, 2024
I’m very sorry for the serious injuries suffered by your grandchildren. Both the manufacturer and installer can be held liable, and possibly strictly liable, for your grandchildren’s injuries under product liability, negligence, and possibly breach of warranty theories.
Proving... View More
For a deer collision? My car was in the shop for 6 months, and i was only given 30 days of car rental. I continued paying for my car even though i wasn't driving it. I had no vehicle for 5 months. I have a full time job, and i’ve missed a lot of work. Should the insurance have paid for my... View More
answered on Oct 7, 2024
This is not a legal question but I will answer it as best I can from personal experience. When you purchase car insurance, car rental coverage is usually defined by duration and the amount payable per day. For example, 30 days at $50 per day. The duration is generally fixed at 30 days. The only... View More
This dispute involved the same set of facts and documents. Since it involved 2 charges, 2 separate reviewers were assigned to my dispute. One reviewer granted a permanent credit for 1 charge. The other reviewer closed the dispute for the 2nd charge without a credit and said I was responsible for... View More
answered on Jun 13, 2024
I would contact a consumer protection attorney that is familiar with the Truth in Lending Act. Depending on the circumstances, you may have a case and a consumer protection attorney will likely offer you a free consultation and may not charge you anything up front if there is a case to bring.
From 2020- 2022 we had a landscaping company do a variety of work on our house. They regraded our yard, repaired our tennis court and performed standard maintenance. The problem is that everything they did was wrong. The tennis court still has cracks throughout and the yard floods every time it... View More
answered on May 10, 2024
This never happened. That is what a judge will tell you. To have an enforceable contract, you secure a bid/quote on SPECIFIC WORK, how it is to be done, when it is to be done, who is responsible for the work permits, what it will cost, and how long it is guaranteed.
You need to provide... View More
I'd like to create a songwriting class that teaches hit songwriting techniques used by pro songwriters such as Taylor Swift. I'd like to call the class:
"Taylor Swift-influenced Hit Songwriting Class" (or)
"Taylor Swift-inspired Hit Songwriting Class"... View More
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answered on Mar 7, 2024
Using a celebrity's name in an educational course title can be tricky, as it may raise concerns about intellectual property rights and potential false endorsement. However, there are ways to reference Taylor Swift's name in your course title that are more likely to fall under fair use for... View More
Help. Please
answered on Jan 9, 2024
The affidavit of heirship is important when opening an estate. Some counties have pdf forms other require original typed word documents. You essentially need to identify the spouse and children. If there is no surviving spouse or child, then make sure there is no survivor of a predeceased child. If... View More
What are my best options since I cannot afford to pay to fix car and make my loan payments. I live in Loves Park, Illinois.
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answered on Jan 3, 2024
In your situation with a car that's costly to repair and still under a significant loan, there are a few options to consider. Firstly, check if your car is still under any kind of warranty. If it is, some or all of the repair costs might be covered, reducing your financial burden.
If... View More
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answered on Dec 20, 2023
In Illinois, it is generally legal for a store to issue store credit to a customer without requiring a purchase or return. Stores may offer store credit as part of promotions, loyalty programs, or goodwill gestures. However, the specific terms and conditions regarding the issuance of store credit... View More
I live in Chicago, IL, and I sent $1000 through MoneyGram to my fiancée in the Philippines for condo rent. The payment is crucial and needs to be received by April 26th. However, MoneyGram canceled the transaction, disabled my profile, and mentioned a refund would occur within 10 days. Despite my... View More
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answered on Apr 16, 2025
Start by contacting MoneyGram’s customer service directly and ask to speak with a supervisor. Be prepared to provide your transaction reference number, the date and amount of the transfer, and your identity verification documents if needed. Explain the urgency of the situation and request... View More
I hired a contractor in December 2024 who provided a purported license and insurance, but I cannot verify him as a registered contractor. He did roofing and plumbing that was not up to code, and I've already filed against him with professional regulation. He claimed to repair severe termite... View More
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answered on Apr 14, 2025
It sounds like you’ve encountered a serious situation, and it’s understandable that you want to hold the contractor accountable. The first thing you should do is check if the contractor violated any local or state laws regarding licensing. Even if he is not a registered contractor, he could... View More
I received a non-renewal letter from Shelter Insurance, citing two claims supposedly made in 2022 and 2023 on my insured property at 445 Chaudet. I have not filed any claims during those years on this policy, as confirmed by the insurance portal, which has no claims information. Furthermore, I did... View More
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answered on Apr 12, 2025
Start by contacting Shelter Insurance directly and requesting clarification on the two claims they mentioned. Ask them to provide documentation or proof of these claims, as you have confirmed no claims were made through the portal. If they are unable to provide valid information, this could... View More
While I was traveling to Seattle, WA, I had a medical emergency and required an ambulance to take me to the hospital. The ambulance company sent a bill that wasn’t initially sent to my commercial insurance company. After I forwarded it to them, the covered amount was about $1,000 less than the... View More
answered on Apr 19, 2025
They could place the bill into collection. In terms of options, review the front and back side fine print of the bill, including explanation of benefits, to see if your insurance carrier outlines options for denials, including review, appeal, arbitration, or other. Good luck
I am located in Illinois. My neighbor's dog broke into my property and killed my two dogs inside my house after breaking through my back fence. I have documented evidence, including video footage and a police report. I've contacted animal control multiple times about this dog. I tried... View More
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answered on Apr 12, 2025
It sounds like you've been through a very difficult situation, and it's understandable that you want full compensation for the damages caused. Since you have documented evidence, including video footage and a police report, you are in a strong position to pursue compensation. In Illinois,... View More
I own a property that is experiencing sewage backup, which floods my basement through the downstairs toilet. This issue has happened three times now, and I have filed two claims with my insurance company, resulting in them planning to drop my coverage. I had a plumber install a backflow preventer... View More
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answered on Apr 12, 2025
That sounds like an exhausting and costly situation, and you're right to want to take legal steps. If the city is responsible for maintaining the sewer system and their negligence is contributing to the backups, you may have grounds to file a claim against the city for property damage.... View More
As a furniture retailer, I've been purchasing $300,000 to $400,000 worth of products from a brand-name manufacturer, which we resell both in our showroom and online. Recently, the manufacturer accused us of violating their minimum pricing rules and suspended our account. They demanded that we... View More
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answered on Apr 11, 2025
That’s an incredibly difficult position to be in, especially after building a strong purchasing relationship and investing heavily in their products. If the manufacturer has suspended your account and is blocking you from selling or fulfilling confirmed orders, you may have grounds to challenge... View More
I signed a $3,200 contract with a personal coach for menopause weight reduction services at 10:30 AM and sent an email to cancel at 9 PM the same day. The contract states that no refunds or cancellations are allowed. Am I protected by the FTC's cooling-off period in this situation?
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answered on Apr 11, 2025
That must have felt like a rushed and overwhelming decision, and it’s understandable that you had second thoughts so quickly. The FTC’s Cooling-Off Rule does provide a three-day cancellation window for certain sales, but it only applies to contracts made in specific settings—such as at your... View More
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