Got HVAC install. Tech give me work order showing zero owned and wouldn't take check. He stressed "You don't own anything" and also give me a copy of the work order showing a zero balance. They emailed me today from a donotreply email to pay 2 wks later.
(1) Did you receive something of value?
(2) Is the price one that you agreed to pay or reasonably within the dollar amount you expected to pay?
(3) If your answers to the above questions are both "yes", then you owe the money. The law will not allow you to keep a benefit bestowed... Read more »
Can they legally do that
A Maryland attorney would know this best, but your question remains open for three weeks. As a general matter, without regard to jurisdiction, making payments would be governed by the underlying sales contract (or financing agreement, depending on how the car was purchased). Check the contract and... Read more »
Something crazy just happened with my car. The latch that secures my hood recently stopped functioning correctly. I secured it with a bungie cord. I got my oil changed yesterday. The hood was secure, but it appears that the cord was put back on too tight and it broke while I was driving. Luckily no... Read more »
If you had a properly working latch and they broke it, that would be one thing. But you are blaming them for improperly attaching a bungee cord, for which there isn't a designated proper place in the manual. Further, the bungee cord, being stretchable, shouldn't be used in the first place, and if... Read more »
My friend and I have friends with businesses that want to loan money from us at regular intervals. The minimum loan is $10,000 and maximum is $40,000. We are opening a joint bank account for the purpose of giving out loans to our friends and family. We want to charge 10% for a 4 month loan term... Read more »
If the loan agreement is in writing, interest in a loan my not exceed 24% per year, and must comply with numerous other legal requirements in order to avoid the risk of violating the users laws. Owing 10% interest at the end of 4 months is an effective annual interest rate of 30%. Not only is the... Read more »
They say I owe them money but will not answer my emails for months. They are in another state entirely and all I want are my drums back. They actually owe me money for services not rendered but are saying I owe them for storage fees which were never discussed until I wanted to pull the plug on... Read more »
Your rights will be defined by what your agreement with the drum company was- plus equitable principles to fill in the gaps. You can hire an attorney to demand the return of the drums and/or work out a deal with the company- or you might be able to sue them.
he claims that he has won a law suite against the baltimoe police dept and won how do I find out if this is true or not?
If you are planning to remain married to him, the only way to find out is to go online to Maryland Judiciary public case search and see if there was in fact a lawsuit. If you are planning on divorcing him, that information can be obtained though the discovery process.
my wife and I left a leased property early and had a $10,000 judgement entered against us. Today we saw her account with $150.00 was garnished.
Yes. However, all persons in Maryland have statutory exemption rights. Basically, there are various dollar amounts that you can exempt from attachment by judgment creditors. Chief among those exemptions is the $6,000 “wild card” exemption that can be used on any asset you own, including cash in... Read more »
I purchased shoes online and received some that had clearly been used and returned. I am being asked to send them back before anything can be done and that is upsetting me. Do I have to send it back for them to refund my money or help me at all?
It depends on the terms and conditions of the website that you bought the shoes from.
Generally, they can specify what their return policy is, and most websites force you to agree to the terms and conditions before being able to place an order.
Best of luck.
Your question involves at least two areas of commercial law in this state-- interest rates and lender licensing.
Maryland's laws on lending and usury (maximum interest) are a bit complicated. The legal rate of interest in this state is 6%. To charge more, you must fit within an... Read more »
Say what? How can anyone know whether you "have a Maryland Consumer Loan license" or not? And why do you not know?
I take my car to the manufacturers dealership for repairs and services
They should but it's really the manufacturer itself who should be sending you the information.
After months of not speaking with me the friend now wants to take me to court for money that is not a loan. Would this action fall under Title 5 Subtitle 9 5-901 Executory Contracts? The amount was 800 however the friend is stating in court that it is $1200. How do I fight this? I offered to pay... Read more »
I'm sorry to hear about your "friend."
Your matter is pretty fact dependent, however generally, a "gift" is a voluntary transfer of property by one to another, without any consideration or compensation provided to the transferor. Thus, a gift is a gratuity. Determining whether the money... Read more »
Legal title means it’s yours. You own it. You cannot be charged with theft of your own property. You can be charged with trespassing, however, or assault if you go there and a fight ensues. If the vehicle is in the public street, go get it (use a spare key or have it towed). If not, or if you... Read more »
He only has Social Security payments and a very small pension. The SS payments are eaten up by the cost of the Assisted Living facility. The pension is below $150. The credit card debt occurred when he suffered a series of strokes and seizures which has necessitated him living at the assisted... Read more »
Do not agree to pay any of it. He is "judgment proof." He may want to file a general denial asking for proof he owed the debt. There may be defenses depending on how old the debt is.
Contact your loal legal aid/legal services organization.
Your question is unclear. You can't be garnished without a judgment. But a company could auto-draft your account if you signed up for such a service.
The beginning of the measuring period is the date you knew, or should have known, of the wrong. It is generally 36 months for contracts and civil lawsuits. There are exceptions: in some cases measuring years are shorter (one year for assault and battery) and longer (12 years) for contracts under... Read more »
This is my account, and I want to add my husband, but do not want his past creditors to garnish the account.
Yes, they may be able to do that if his name is added. If your bank offers the ability to title the account as “tenants by the entireties” then that would prevent attachment. In Maryland ordinarily only titles to real property are held that way, unlike DC where all property jointly held by... Read more »
The private lender has charged me interest only on a mortgage loan. part of the loan was repayed in Sept 2018 and the balance principal was only supposed to be $7k. The lender and lawyer has been going back and forth with the amount that I owe - from 32k to 9k then to 14k and now I am ready to... Read more »
You can check the registration status of your lender through NMLS (the Nationwide Multistate Licensing System / Nationwide Mortgage Licensing System and Registry). They maintain a consumer oriented website, here:
http://www.nmlsconsumeraccess.org/
Note that not all types of lenders... Read more »
Seems to be to many roles and a conflict of interest, fraud or unethical. I read somewhere that only an attorney can prepare deeds of trusts.
If the notary is applying for the loan, he cannot notarize his own signature. Almost all settlement agents are notaries. And, notaries can of course be a witness. That’s pretty much what a notary is: a witness to the authenticity of a signature. Maryland Law does require deeds and deeds of trust... Read more »
I cannot determine whether your inquiry is from Virginia or Maryland, but, in Maryland, there is a specific rule requiring the filing of a paid & satisfied line when judgment is paid. I haven't researched it in quite a while, but there may be available awards including attorneys fees for failure to... Read more »
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