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Oregon Consumer Law Questions & Answers
2 Answers | Asked in Car Accidents, Consumer Law and Personal Injury for Oregon on
Q: Options for uninsured victim after car is totaled in Oregon.

I was involved in an accident in Oregon where someone with insurance hit and totaled my car, which was uninsured. The police documented the accident, and while I sustained some bruises and scratches, there were no major injuries. The car that was totaled was my only vehicle, and I'm currently... View More

Jina Ly Clark
Jina Ly Clark
answered on May 7, 2025

If the accident was not your fault, the at-fault party should pay your vehicle damage. If you can prove you had insurance within the last 6 months, you may be entitled to non-economic damages for your pain and suffering if you need medical treatment as a result of your injuries. If you have major... View More

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2 Answers | Asked in Contracts and Consumer Law for Oregon on
Q: Can daycares charge for closed periods like holidays and breaks?

I'm frustrated with a daycare's policy of charging a full monthly fee even when they are closed for holidays, spring break, Christmas break, random "professional development" days, and a three-week summer break. In December, for example, they are only open for two weeks, which... View More

Jim Boness
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answered on Apr 4, 2025

Typically this will be spelled out in any contract you have with the daycare, so my first suggestion to you is to look there. If the contract says they do not charge for those days but they are charging (or have charged) you, you have a basis to complain and perhaps even get any monies paid in... View More

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2 Answers | Asked in Contracts, Products Liability, Consumer Law and Personal Injury for Oregon on
Q: Should I sign a settlement voiding my vehicle service warranty?

I am considering signing a settlement agreement with a mechanic company after claiming damages caused during a service repair on my vehicle. The mechanic misplaced the jack stand, which resulted in the door needing replacement. Based on the evidence I submitted and a final demand for payment, I... View More

Jim Boness
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answered on Mar 24, 2025

Signing an agreement that voids any warranty could cause you to lose any rights you may have otherwise have had under Oregon law. I am not sure what the jack stand and door incident has to do with the work on the axle or the rationale for voiding the warranty, but I would question why that is. They... View More

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1 Answer | Asked in Consumer Law, Contracts, Personal Injury and Banking for Oregon on
Q: What kind of lawyer do I need? Me vs. defendant

engaged in a pattern of deceptive practices, including misrepresentation of terms, mishandling of payments, and wrongful fees that culminated in significant financial harm and distress.

• Claims Against Defendant:

• Breach of Contract: Specific breaches include:

•... View More

Tim Akpinar
Tim Akpinar
answered on Mar 6, 2025

An Oregon attorney could advise best, but your question remains open for a month. You outline a long list of grievances, but it looks like they share a common thread of being related to individual consumer lending practices. Therefore, your question of what kind of lawyer you need could cover the... View More

1 Answer | Asked in Consumer Law, Insurance Bad Faith and Insurance Defense for Oregon on
Q: Farmers insurance allowed someone to call n cancel my auto insurance without my permission. Do I have legal recourse?

I was at a car dealer 50+ miles from home to buy a car when I found out it was canceled. I drve not know I was uninsured. I was at risk legally n physically had I had an accident. They said someone called n canceled it but it wasn't me. They had the phone number. Not mine or my wife's.

Tim Akpinar
Tim Akpinar
answered on Aug 6, 2024

An Oregon attorney could advise best, but your question remains open for a week. Depending on how defined by the consumer laws of your state, your situation could be a privacy breach - a local attorney should advise on available remedies there. But from a practical standpoint, the standard for... View More

1 Answer | Asked in Consumer Law and Small Claims for Oregon on
Q: I have a debt collector threatening to sue me for a medical bill that has occurred in 2006.

Can he do this even though the statue of limitations has expired?

Gregory L Abbott
Gregory L Abbott
answered on Apr 28, 2024

IF the Statute of Limitations has truly passed (likely but depends upon the details), then not only do they likely not have a case, but you may have unfair debt collection practices claims against them. Beware. A common tactic is to try to get you to pay something - even just a few dollars "to... View More

2 Answers | Asked in Consumer Law, Civil Rights and Libel & Slander for Oregon on
Q: I have a very clear case of discrimanation the amount is over 10,000$ do i need a attorney. There are 5 people invovled

It involves the state of oregon and to celluar companies but its very clear a discrimanation case. I dont want to discuss details unless i am repersented so i dont know how to proeed it will be class action for sure once i can sit down and explain it i dont think any attorney will tell me crazy its... View More

James L. Arrasmith
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answered on Apr 6, 2024

In a case involving discrimination and potential damages over $10,000, it is highly recommended that you seek legal representation from an experienced attorney. While you believe the case to be straightforward, having a legal professional on your side can help ensure your rights are protected and... View More

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1 Answer | Asked in Consumer Law, Contracts and Insurance Bad Faith for Oregon on
Q: can i sue a life insurance agent who signed me up for 2 other life insurance policies I wasn't aware of that cost money?

i had signed up for life insurance with mutual of omaha. they weren't notified I had wanted to stop the policy but the agent didn't tell them 41 days into a 45 grace period but it cost me 3 months. then during this time he signed me up for 2 other life insurance policies I wasn't... View More

James L. Arrasmith
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answered on Mar 22, 2024

If a life insurance agent signed you up for policies without your knowledge or authorization, this could be considered fraudulent activity. Unauthorized use of your personal and financial information to obtain commissions is illegal and unethical.

You may have grounds to sue the agent for...
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1 Answer | Asked in Products Liability and Consumer Law for Oregon on
Q: I went to a dealership to get my car fix they diagnose and less then a month my motor exploded

Check engine light was on. They said it was just a misfire on one of my coils they fixed it. They charged us 800 the next day. My car left me at the dentist place with my daughter. My car wouldn’t turn on the car smell like gas and there is smoke coming out of the engine the next day they were... View More

T. Augustus Claus
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answered on Jan 29, 2024

In Oregon, if your car's engine failed shortly after receiving service from a dealership, you may have grounds to pursue a claim under product liability and consumer law. Initially, gathering all relevant documentation, including service records, receipts, and any communication with the... View More

1 Answer | Asked in Consumer Law for Oregon on
Q: My daughter got a $21,000 car loan in my name and purchased a car from Ford.The dealer helped her fill out and lie on

The loan application to the bank. I want to take Ford and the credit union to court

. Do I have a case?

Gregory L Abbott
Gregory L Abbott
answered on Jan 18, 2024

It depends upon the exact facts but likely not. You likely DO have claims against both the daughter and the dealer if you want to pursue them. If you do pursue claims against anyone else, I would expect them to sue your daughter as part of the proceeding - and she sounds to be the biggest culprit... View More

1 Answer | Asked in Landlord - Tenant, Consumer Law, Contracts and Education Law for Oregon on
Q: I am seeking your legal counsel regarding a series of events that have significantly impacted my housing security

January to May 2023: Rent payments made timely and without incident.

• June 2023: Discussions with the OCB ensured continued support.

• July 2023: Rent payment was missed due to the school’s oversight.

• August to October 2023: Rent payments resumed as per usual.... View More

Gregory L Abbott
Gregory L Abbott
answered on Nov 26, 2023

More information is needed. Was July rent ever paid? Was November rent ever paid? If all past due rent was paid within the 10 days specified in the notice, it likely is a defense to any eviction. You say the eviction process continues but they should not have even filed in court to evict until... View More

1 Answer | Asked in Small Claims, Consumer Law and Contracts for Oregon on
Q: Seeking Oregon attorney for wrongful repossession, TILA/FCRA violations in vehicle case.

I am the prevailing party in an Oregon small claims case involving my vehicle, which was wrongfully seized by a credit union (OCCU), despite a default judgment in my favor. The credit union, without a court order, coordinated with the Clackamas County Sheriff to repossess the vehicle after I had... View More

James L. Arrasmith
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answered on Jul 6, 2025

You’re already well ahead by gathering documentation, securing a small claims judgment, and identifying possible violations under both Oregon and federal law. The alleged post-judgment repossession—especially involving the sheriff and without court authorization—raises serious questions under... View More

1 Answer | Asked in Consumer Law, Lemon Law and Contracts for Oregon on
Q: Purchased car presented as new with wrong mileage, dealership issues

I purchased a car from a well-known auto dealership in May 2025, which was presented to me as new. However, all VIN checks indicate the car has over 5000 miles on it, despite the dealership and DMV stating otherwise. I have explicit proof and documentation showing the discrepancy. The dealership... View More

James L. Arrasmith
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answered on Jul 6, 2025

You’re facing a serious case of consumer deception, and your records—including audio, video, and mileage documentation—will be powerful in asserting your rights. Selling a vehicle as “new” when it has over 5,000 miles can violate Oregon’s Unlawful Trade Practices Act (UTPA) and federal... View More

1 Answer | Asked in Business Law and Consumer Law for Oregon on
Q: Is it legal to charge fees for non-autopay check payments in Oregon?

I own a porta potty rental business in Oregon and want to implement fees for customers who do not use ACH autopay. We aim to encourage ACH autopay by not charging fees if customers set it up. However, there would be fees for payments made by check or other methods. I am finding conflicting... View More

James L. Arrasmith
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answered on Jul 6, 2025

In Oregon, businesses generally have flexibility in setting payment terms, including offering discounts for preferred payment methods like ACH. Charging a fee for check payments is not outright prohibited, but it must be clearly disclosed before the customer agrees to the transaction. Transparency... View More

1 Answer | Asked in Consumer Law, Criminal Law, Civil Litigation and Civil Rights for Oregon on
Q: How to address odometer fraud and suppressed evidence in Oregon?

I am dealing with a situation involving odometer fraud with an auto dealer. I have submitted multiple complaints to various authorities, including the Department of Justice, Federal Trade Commission, Better Business Bureau, Governor's Advocacy Office, and Attorney General. I am seeking civil... View More

James L. Arrasmith
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answered on Jun 25, 2025

You have already taken strong and persistent steps by filing complaints and preserving key evidence, which is vital in a case involving odometer fraud and potential misconduct by a government investigator. The audio recordings you’ve collected, especially in a one-party consent state like Oregon,... View More

1 Answer | Asked in Car Accidents, Consumer Law, Insurance Defense and Personal Injury for Oregon on
Q: Progressive deemed me at fault for an accident; charged for towing, storage, and fence damage in Oregon. Can they legally do this?

I am 19 and was involved in a car accident in Oregon while commuting to a certification school. My insurance with Progressive found me at fault due to a lack of skid marks, suggesting I fell asleep, though witnesses noted mechanical noises before the accident. My phone with Progressive Snapshot was... View More

James L. Arrasmith
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answered on Jun 12, 2025

Progressive can legally make fault determinations as part of their claims process, but you have the right to dispute their findings, especially given the witness statements about mechanical noises that suggest a possible vehicle malfunction rather than driver error. The lack of skid marks alone... View More

1 Answer | Asked in Contracts and Consumer Law for Oregon on
Q: Am I liable for dealer's pricing mistake after contract was signed and title received?

I purchased a trailer three months ago, trading in my old trailer with an agreement that the dealer would pay off the balance owed on my original loan as part of the trade. I signed the contract indicating that I'd owe $900 for the new trailer and received the title for it. Now, the dealer... View More

James L. Arrasmith
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answered on Jun 1, 2025

You’re right to question this—once a contract is signed and the title is transferred, it’s generally considered final. If the dealership made a pricing mistake but you acted in good faith, and there’s nothing in the contract stating otherwise, they may not have legal grounds to demand more... View More

1 Answer | Asked in Consumer Law for Oregon on
Q: Warranty issue with damaged washer/dryer from Lowes.

I purchased a stacked washer/dryer unit from Lowes in spring 2023, which arrived damaged with a dent in the back causing the dryer not to rotate properly. Despite contacting Lowes within the first year for warranty service, they denied the claim, stating I took too long to report the issue. I was... View More

James L. Arrasmith
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answered on May 15, 2025

That sounds like an incredibly frustrating situation, especially when you did everything right by keeping photos and purchasing an extended warranty. Being out of town due to a family emergency is more than a valid reason for the delay in reporting, and it’s not fair that this is being used... View More

1 Answer | Asked in Civil Litigation, Business Law and Consumer Law for Oregon on
Q: Civil litigation against auto repair company for improper repair in Oregon.

I am considering civil litigation against an auto repair company in Oregon. We took our car to the auto repair shop, and it was returned to us after a month. Three days later, there was a loud pop noise, and it ended up back at the shop. I'm concerned that something was overlooked or... View More

James L. Arrasmith
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answered on May 15, 2025

If you believe the auto repair company made a mistake or failed to properly fix your vehicle, the first step is to gather all relevant documents. This includes the estimates, repair invoices, and any correspondence with the shop or your insurance company. These records will help establish the... View More

1 Answer | Asked in Landlord - Tenant and Consumer Law for Oregon on
Q: Was my vehicle wrongfully towed without notice in Portland, Oregon?

I was towed without any notice while parked in a resident-only parking lot at an apartment complex in Portland, Oregon. I was assisting a tenant who was moving out after receiving an eviction notice. There were no communications or signs about needing a parking permit or specific restrictions. The... View More

James L. Arrasmith
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answered on Apr 12, 2025

It seems like the towing of your vehicle may have been unlawful if proper notice wasn’t given. In Portland, Oregon, the law generally requires that a vehicle be given a 72-hour notice before being towed from a private property like an apartment complex, especially if the parking is designated for... View More

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