New York Consumer Law Questions & Answers
Q: When you say "make a claim" do you mean with the BBB?
In reply to the answer about my furnace.
No. The BBB is a waste of time. If it was new you should have a manufacturers warranty. It will say where to file a claim.
Q: I had my furnace replaced in Feb of 2019. It was never installed properly, I'm now getting the run-around, what to do?
My husband knew something wasn't right with the install, we had them come over several times as our humidity was was out of control. Every time a tech came over, they insisted that all we needed was to spend thousands more to get a whole home dehumidifier. One time they were at my home inspecting... Read more »
If there is a warranty, make a claim. You can also do a small claims case for the damages.
Q: Hello can i sue for someone getting an unauthorized credit report saying i had applied for an auto loan ?
Sue the company who made the hard inquiry
sue who?
Q: How much interest can be added to a judgement in New York state? the loan was for 10,700, 8,000 in interest was added
Is there any way to fight this amount owed?
Interest on a judgment is 9% from the date of the judgment and is governed by law. Interest before that is governed by the loan documents.
Q: Are there any drawbacks that may arise post-judgment if a suit is brought and won in the US against non-US defendants?
Yes. You won't be able to collect your judgment.
Q: What did you major in for your BA/BS? Was it a BA or BS? When did you know you wanted to be a lawyer?
I just switched my education path to Political Science and wondering where I can take it
This not a legal question
Q: I want to object as a plantiff , defense has filed a motion to compel and bring the case to federal court for subject ma
Subject matter jurisdiction. I have personal jurisduction in state supreme court. What is the name of the document to file to object to motion to compel change of venue.
If the state court case meets all the requirements for being brought in a federal district court, the defendant(s) can remove it to the proper federal district court having jurisdiction. You as plaintiff can object to removal--which may be granted--because the federal court does not have to take... Read more »
Q: I was a victim of a credit card scam where my laptop was stolen what can I do?
I lost both my laptop and the money that was my paid to me due to a fake credit card through facebook marketplace. I know the real name of the person who stole from and his facebook and Instagram accounts. What can I do?
Go to the police. Make a report with all the details. Then, report it to the credit card company. You will be asked to do a fraud affidavit.
Q: Can a private investigator track where i have been using my phone GPS or my car GPS?
I recieved a business card from a repo company PI. Not only did i recieve it at my house but it got addressed to me and sent to my boyfriends house as well. I never put his address on any documents what so ever. The only place i have his address is my phone and my car GPS. I never put his address... Read more »
In these days of very advanced high-tech electronic systems and devices there is no doubt that smart investigators, private or otherwise can track anyone, anywhere at anytime--without stopping for coffee. There is nothing legal that you or I can do about it either. Welcome to America, circa 2019.
Q: Need some legal advice in how to handle a debt collector that has put a hold on a bank account medical bill
Depends on the amount, the county, and whether you really owe it.
Q: My mother passed away and left me a TD Ameritrade account. I have an old student loan can they take it ?
They can and they will if you leave it there in that form long enough. What to do depends on the amount in the account.
Q: Car repair place charged me $1000.00 for car repairs. Car is still doing the same problem.How do I proceed?
If their repairs didn't fix the problem do I still owe them for the repairs?
I will have them check it again to give hem a chance to make things right, however,
I don't want to owe them more money for additional repairs.
Need to know how to assert my legal rights so that I... Read more »
If you paid by credit do a chargeback. Go back to the place and put complaint in writing. Your rights are impacted by how long ago you did original work.
Q: Can a non profit mortgage co receiving federal grants rescind qualification because you have an attitude on the phone?
I was recently qualified through NACA for a mortgage. I paid for a home inspection, I got a contract of sale, and I hired an architect (all out of pocket). The rehab specialist I was dealing with was extremely negligent in returning calls and emails. It took her a week to contact me back and sp I... Read more »
As you just found out, tor all practical purposes the answer is yes. BTW: The lesson just learned--about what happens to many people who have bad attitudes when dealing with other people who can pull the rug out from under them--is much more valuable than you think. As Archie Bunker used to say to... Read more »
Q: Yesterday, May 18th, I went to a local Nissan dealer and did paperwork for a new SUV. No money was exchanged as I am to
return tomorrow with a 500 dollar check so the process to locate my desired SUV can begin. I realized when I got home that the "deal" I was given was no deal at all. I am a diabetic and yesterday my blood sugar levels were so low I could barely think straight. I either want to re negogiate the... Read more »
No. You can cancel in writing. Make sure you write a cancelation and proof of delivery today.
Q: Dell sold me a 5k defective laptop and downgraded its hardware, can I get around their mandatory arbitration agreement?
Dell knows they sold me a 5k lemon that never worked because both graphics cards were never recognized, and it was missing a blu ray burner that I paid for and I have the documentation, e-mails, phone calls and tracking numbers to prove it. Dell know that instead of repairing my computer in June... Read more »
IMPO, the arbitration clause in the contract is valid regardless of how bad the laptop was when Dell sold it to you--or how many terrible things Dell has done since--or how much proof you have against Dell.
Q: Do Money judgments in New York need to be renewed for a second 10 year term, or the judgment automatically lasts 20?
I see it says 20, but I have been coming across forums that say that it must be renewed in 10 to last another 10.
It lasts for ten years but they have the right to renew the judgment so it lasts for 20 years
Q: regarding housing and landlord
if the land lord failed to make repairs and put my kids in danger, i am still married but live out of states due to work, i pay the full rent and come see my kids, i try to make some repairs, can i take the land lord to court to supreme court instead of housing court which is a joke to me, what... Read more »
Generally, the most appropriate forum to demand repairs in a landlord/tenant situation is in Housing Court through an HP Proceeding. It would be unusual, costly and most probably substantially slower to try to commence a case in Supreme Court to compel repairs.
Q: Can US credit card creditors put a lien on a Canadian property?
Not without a substantial effort that no creditor ever does.
Q: Other than credit score damage and phone calls, what are consequences of walking away from credit card debt?
What would a judgment entail if no home is owned and only income is from Soc Security?
Being sued and getting a judgment.
Q: Bankrupt Rescap failed to file Mortgage Satisfaction for loan pd in 1999, who should we file motion against?
Ocwen has a record that it's paid, but won't give us a copy of it. Title company requiring satisfaction and payoff check to release funds, they are not available to us, Mom is deceased. Title company knows that ResCap/GMAC went bankrupt. Ocwen has no legal obligation to provide a satisfaction... Read more »
If I understand you post correctly, you may need to do more than file a motion in bankruptcy court. Instead you may have to commence an action to quiet title.
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