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Puerto Rico Consumer Law Questions & Answers
1 Answer | Asked in Banking, Business Law, Consumer Law and Contracts for Puerto Rico on
Q: Whats the scoop on transferring auto loans in Puerto Rico, Affidavit vs no affadavit, How does it work on both sides?

I'd like to get a vehicle on the island and I understand the traditional methods of leasing and financing but i'm not familiar with the loan transfer process and can't find any relevant info via the web so far. I need a used vehicle but due to current circumstances, i'm unsure... Read more »

Nelson Jose Francisco Alvarez-Aponte
Nelson Jose Francisco Alvarez-Aponte answered on May 13, 2020

Hello and thank you for using Justia. You will not find any laws since it is ilegal to transfer an account without the lender's authorization. There are many instances that have occured where the vehicle is sold to a third party but the title and loan continue in the name that appears on the... Read more »

2 Answers | Asked in Consumer Law, Real Estate Law and Landlord - Tenant for Puerto Rico on
Q: My uncle has passed away in PR. A female has been staying there rent free. The heirs want her to vacate. Please advise.

We dont want to create unnecessary duress for either parties.

Nelson Jose Francisco Alvarez-Aponte
Nelson Jose Francisco Alvarez-Aponte answered on Apr 6, 2020

Hello and thank you for using Justia. The legal process to be followed is to first get your beloved Uncle's property registered under the Estate's name. Once the property is registered in the names of the Inheritors (Estate) then they will have to file an evictión procedure (Desahucio)... Read more »

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1 Answer | Asked in Consumer Law for Puerto Rico on
Q: Can I sue a hotel for charging multiple cancellation fees to my credit card?

I reserved a total of 10 rooms for a large group traveling to Puerto Rico. I cancelled the rooms a month before our trip. The cancellation process told me that there would be no cancellation fee. The hotel ended up charging me a cancellation fee for 9 of the rooms under the same credit card. I have... Read more »

Nelson Jose Francisco Alvarez-Aponte
Nelson Jose Francisco Alvarez-Aponte answered on Jan 30, 2020

Hello and thank you for using Justia. You can file a claim if you have proof that no cancellation fees would be charged. However it would be much more económical to contact your credit card company and deny the charges.

If you need additional information please feel free to contact me directly.

1 Answer | Asked in Consumer Law for Puerto Rico on
Q: People are living in our property in P.R. without permission.

It's been a little bit more than three years that we haven't gone back to Puerto Rico we live in the state of Florida basically all of our childhood we tried to go to PR every year but unfortunately we were not able to go after 3 years when we went back for vacation we noticed that there... Read more »

Nelson Jose Francisco Alvarez-Aponte
Nelson Jose Francisco Alvarez-Aponte answered on Oct 20, 2019

Hello and thank you for using JUSTIA. The legal process needed is known as " Desahucio". It is a Court procedure by which the registered property title holder request from the Court the eviction of squaters from the property.

You Will need to file a petition in the Court for...
Read more »

2 Answers | Asked in Bankruptcy, Consumer Law and Contracts for Puerto Rico on
Q: Is it safe to give a car under affidavit if I still owe on it?

I'm giving away my car loan but the person interested recently opened up a business and can't get the loan transferred. Is it safe to give him the car for a year (minimum requirement on his business loan until he can get approved for other loans) under affidavit? I am unable to pay the... Read more »

Nelson Jose Francisco Alvarez-Aponte
Nelson Jose Francisco Alvarez-Aponte answered on Jul 3, 2018

Good morning and thank you for using JUSTIA. The two main downfalls are that you will remain the registered owner of said vehicle and the principle debtor to the loan. This means that you are the responsable party for any damage that the vehicle causes and in the party responsable for the monthly... Read more »

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1 Answer | Asked in Consumer Law, Estate Planning and Real Estate Law for Puerto Rico on
Q: Property Registry, Inheritance and Reverse Mortgage

My mother-in-law is looking to get a reverse mortgage on her house. We discovered that she and her late husband are the people who hold the mortgage, her late husband is the registered owner with CRIM but her parents are the who the property is registered with with the Property Registry.... Read more »

Robert A. Velez-Montes
Robert A. Velez-Montes answered on Apr 11, 2017

Most likely a "Declaration of Heirship (Declaratoria de herederos)" , and a form to the Treasury Department needs to be filled in order to register the house in the Property Registry to the heirs. Also your husband can donate his participation in the heirship to his mother. All that... Read more »

1 Answer | Asked in Consumer Law for Puerto Rico on
Q: I just bought a used car but it turns out there are a lot of problems

with it that weren't disclosed at the time of sale - what are my rights?

Naomi Jusino
Naomi Jusino answered on Jan 11, 2017

The seller (dealer) is obliged to give a guarantee.

Rule 26 of the Consumer Administration in Puerto Rico (DACO) prohibits any dealer from selling a used motor vehicle without providing a guarantee to the buyer. The warranty must cover both parts and labor based on the mileage of the...
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1 Answer | Asked in Consumer Law and Probate for Puerto Rico on
Q: My mother passed away leaving no assets but a $20,000 credit card bill.Under PR Law do her children inherit that debt?

Two of her adult children reside in Puerto Rico, and three reside inside the continental United States.

Miraisy Molina-Ruiz
Miraisy Molina-Ruiz answered on Oct 17, 2016

Yes. under PR law, heirs inherit both assets as well as debts. In this case, and with the information provided, I would suggest the heirs to resign their right to inherit. You should consult with an attorney since there are deadlines involved.

1 Answer | Asked in Consumer Law for Puerto Rico on
Q: How can I make a complaint about my current lawyer? He haven't contact me since July 2013, I paid a $6,500 contract.

The actual Lawyer is from PR.

Charles Snyderman
Charles Snyderman answered on May 5, 2014

Colegio de Abogados de Puerto Rico, San Juan, PR 00902

Phone: 809/721-3358 or 723-6984 Fax: 809/725-0330

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