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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law and Collections for Kentucky on
Q: I paid a debt relief company monthly payments for 3 years and none of my debt was paid down. Can I get my money back?

I paid in almost twice my debt and they didn’t settle any of my debt. Payments over $200 month for 3 years. I called the company numerous times and they kept “disconnecting” me so I’d have to call back again and again. I finally called their bank and asked them to send me, in the mail, all... Read more »

Timothy Denison
Timothy Denison
answered on Jun 29, 2022

Most likely yes but you will have to sue the debt relief company.

1 Answer | Asked in Environmental, Consumer Law, Products Liability and Civil Rights for Kentucky on
Q: , I pay a environmental fee Monthly on my water bill that cost more Then water usage

we’re in a crisis situation due to our water but we pay for an environmental fee every month that cost more than usage

Timothy Denison
Timothy Denison
answered on Jun 27, 2022

What is your question?

1 Answer | Asked in Consumer Law, Copyright, Real Estate Law and Municipal Law for Kentucky on
Q: I am a fan of “freedom net’s” Victor Misek W1WCR and we will definitely miss his reverence,convictions,legislative role

That means we will miss him..3950mhz

Timothy Denison
Timothy Denison
answered on Jun 7, 2022

What is your question?

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Bank cashed check twice. Am I solely responsible to reimburse?

I have the online banking feature however I have never used where you can deposit a check via picture. Attempted to Tom's to do it and it said the photos were blurry however it said it also would take 3 to 5 business days. I needed the money immediately therefore I went straight to the bank... Read more »

Timothy Denison
Timothy Denison
answered on Apr 28, 2022

If you received the money twice, you are responsible for repaying it.

1 Answer | Asked in Consumer Law for Kentucky on
Q: My husband and I have been married three years. We refinanced his house, loan in my name only, both of our names on the

deed. We purchased an RV with both names on the title, loan in my name. If we divorce, can he also be liable for the debt? He is threatening to take the RV and leave and I won't know where he's at. He has not worked for two years due to surgery, my salary has kept us afloat. He has no income.

Timothy Denison
Timothy Denison
answered on Apr 7, 2022

If you divorce, he is absolutely responsible for part of the debt, regardless of whose name the property is titled in.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Vehicle repossessed a year ago. Paid 4.5 years. Repairs more than it was worth. I offered them $1000 to forgive the

loan. They insist on the full amount plus fees now that I'm receiving Social Security. Is this legal?

Timothy Denison
Timothy Denison
answered on Apr 4, 2022

Yes. It is legal.

1 Answer | Asked in Consumer Law, Lemon Law and Contracts for Kentucky on
Q: Mr. Denison I haven't been able to get ahold of the owner of the car lot that committed ky consumer protection act

To discuss anything about the truck either he's not there or he doesn't return calls found out today that he has done went and put my vehicle up for sale again without giving me order for repossession or anything I know I need to hire a lawyer that would take it on a contingency plan can... Read more »

Timothy Denison
Timothy Denison
answered on Mar 23, 2022

Where are you located?

1 Answer | Asked in Consumer Law and Lemon Law for Kentucky on
Q: What is the best course of action to take with the car lot that committed fraud under the KY consumer protection act

Haven't spoken to car lot since picking vehicle up in Jan. after finding out it has a rebuilt title & 3 recalls that don't know if have been serviced & told DMV that I paid 4,000 instead 1,500 down & 375 mth on balance of 7,000 & got behind due to health issues & got... Read more »

Timothy Denison
Timothy Denison
answered on Feb 24, 2022

Hire a lawyer and sue them is your best course of action.

1 Answer | Asked in Consumer Law for Kentucky on
Q: How can I convince the car lot that committed fraud under the KY consumer protection act to work something out with me

Without having to take them to court because we don't have the money like that as it is have a court appointed attorney in our CPS case that doesn't seem like she's trying to do what's in our best interest.

Timothy Denison
Timothy Denison
answered on Feb 17, 2022

Not likely you can convince them. Hire a lawyer who will take it on contingency or at an hourly rate you can afford. The KCPA provides for an award of attorney fees if you prevail.

2 Answers | Asked in Consumer Law, Criminal Law, Personal Injury and Products Liability for Kentucky on
Q: looking to recover gambling loses in kentucky. 30k+

I read where Ive got 5 yrs to sue winner of my gambling transactions.

Kentucky Gaming Laws

Code Section

528.010; 230.010 If any person loses to another at one (1) time, or within twenty-four (24) hours, five dollars ($5) or more, or anything of that value, and pays,... Read more »

Andre Fereole Regard
PREMIUM
Andre Fereole Regard
answered on Jan 27, 2022

Your ablility to recover will in part depend on the type of gaming activity in Kentucky.

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1 Answer | Asked in Consumer Law, Family Law, Real Estate Law and Business Law for Kentucky on
Q: Me and my wife got married in July. She lived in housing but I never moved in. Now they want back payment. Is this legal

I have leases from other residents showing I did not live there.

Timothy Denison
Timothy Denison
answered on Jan 10, 2022

Did you sign a lease on this housing? If not, you owe nothing.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a credit card company sue for a 680 dollar interst on a 300 dollar limit card?
Timothy Denison
Timothy Denison
answered on Nov 4, 2021

Yes, if the cardholder agreement permits it, which it almost always does.

1 Answer | Asked in Consumer Law, Collections, Communications Law and Small Claims for Kentucky on
Q: Can a debt collector or original creditor still try to sue you if the loan was already cancelled as a part of a lawsuit?

I was contacted by a company on Monday 10/18/2021 called "Assurance Legal Proceedings" via phone stating that they are filing a claim against me in my county for attempt to defraud a loan company. They also said that they have contracted a location service to find me and serve me with... Read more »

Timothy Denison
Timothy Denison
answered on Oct 21, 2021

Yes. You are being scammed.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is it legal for a dealership to ask for a down payment
Timothy Denison
Timothy Denison
answered on Oct 3, 2021

Absolutely.

1 Answer | Asked in Consumer Law for Kentucky on
Q: can I do anything about a satellite installation technician urinating on my workshop as well as chicken coop

I had a technician from a satellite installation company come out to install a satellite and he proceeded to relieve himself on the side of my husband's workshop and my chicken coop (they sit caddy-cornered to each other). I own a surveillance system that records audio and video. There was a... Read more »

Timothy Denison
Timothy Denison
answered on Sep 14, 2021

Report it to his employer.

1 Answer | Asked in Consumer Law, Civil Litigation and Collections for Kentucky on
Q: I am in KY and I just received a call saying, I am being taken to court for a bank that I opened back in 2009.

the account was supposedly sent to collections in 2015 but I do not recall ever seeing this on my credit report. its now 2021 can they win a judgement? Is there not any statue of limitations for this? and why was it never on my credit report?

Timothy Denison
Timothy Denison
answered on Aug 31, 2021

Yes.

1 Answer | Asked in Consumer Law, Products Liability and Lemon Law for Kentucky on
Q: I bought Jeep Liberty 2020 as is no warranty Day I drive home overheated needed new coolant tank.

I bought the vehicle Dec 2020

Then Flat tire : had to replace all 4

One week ago both ball joints fell out

Radiator busted

And needed all brakes replaced

Bill$2300

Yesterday Transmission out

I still owe the dealership $2500 for the... Read more »

Timothy Denison
Timothy Denison
answered on Aug 24, 2021

What is your question?

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Took car to get worked on, the shop let it get towed, now it's been junked from impound lot. Like to take legal action.

Have the owner on video saying he'd get it or multiple times and he never did, now he wants to make payments to me but I don't believe him.

Timothy Denison
Timothy Denison
answered on Aug 5, 2021

You’ll need to file suit against the shop snd owner.

1 Answer | Asked in Consumer Law and Products Liability for Kentucky on
Q: In the state of Kentucky, how many days does a purchaser have after taking vehicle into their name on title?

The vehicle has been driven since December 2020 but registration and tax bills have come to us after having car for over 7 months.

Timothy Denison
Timothy Denison
answered on Jul 12, 2021

Ten days.

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