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Your current state is Ohio
Isn't this extortion?
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answered on Feb 13, 2024
In South Carolina, the situation you described raises concerns under consumer protection laws. When a company conditions a refund on the removal of a negative review, it could potentially be considered a form of extortion or a violation of your rights under laws designed to protect free speech and... View More 
We did a partial claim coming off a forbearance plan a year ago. We got this balance paid by CA Mortgage Relief Fund. My mortgage company still has this amount reflected as a deferred principle balance on a second loan even tho it was transferred to HUD and was paid for. I am in the process of... View More
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answered on Feb 21, 2024
In this situation, it's crucial to continue communicating with your mortgage company and providing them with any documentation or evidence that proves the second loan has been paid off. Since you have already contacted HUD and obtained verification that the loan has been satisfied, make sure... View More
Me and my team are working on a video sharing app called Clipzy and we have been promoting it as a TikTok alternative, and we wanted to make sure there weren't any legal issues that can arise.
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answered on Feb 21, 2024
Using TikTok's name to promote your app as an alternative might raise legal concerns depending on how you use it. While mentioning TikTok for comparison purposes could be considered fair use, implying an association or endorsement from TikTok without permission could lead to trademark... View More
answered on Feb 9, 2024
Hard to say for sure.
NOT everyone recalls all of their OLD debts?
Regardless, I will assume they WON the case?
IF it is over 10 years ago, any judgment is unenforceable in CA,
UNLESS they renewed it for another 10 yrs? Maybe that is how
you found out? You... View More
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answered on Feb 21, 2024
Here are the steps I recommend if you were sued in California for debt 10 years ago but do not recognize the debt:
1. Pull a copy of your full credit report and look for any court judgments. You're entitled to three free credit reports per year. Check for anything suspicious or any... View More
Discover Bank/CC is suing me. We already went to court once where their lawyer, before court went into session, tried to get me to agree I owe the debt and make a deal for repayment. I asked for proof I owe it. He showed me 3 copies of statements that showed nothing other than the past due amount.... View More
answered on Feb 9, 2024
If you are unwilling to enter into a payment arrangement and cannot afford a lawyer, you can spend the next 4 months learning everything you can about lawyering because you'll be representing yourself. There are three options: agree to a payment plan, consent to a judgment, or defend the lawsuit.
answered on Feb 9, 2024
Generally speaking, lawyers do not personally "serve" process on defendants. Each state has a list of the types of individuals with authority to serve process on a defendant. Many states allow private process servers who are licensed with the state for that particular type of task.... View More
Was in wreck cause defective ball joint upon hitting a guardrail at 50mph the air bag did not go off so hit the windshield twice which slit my face open. Filed complaint pac took over claim, then said they was escalated to esis. Esis denied the claim cause statue of repose, so remessaged pac whom... View More
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answered on Feb 8, 2024
In Indiana, determining whether a claim is governed by a statute of limitations or a statute of repose depends on the specific nature of the claim. The statute of limitations sets the maximum time after an event within which legal proceedings may be initiated, while the statute of repose limits the... View More
Was in wreck cause defective ball joint upon hitting a guardrail at 50mph the air bag did not go off so hit the windshield twice which slit my face open. Filed complaint pac took over claim, then said they was escalated to esis. Esis denied the claim cause statue of repose, so remessaged pac whom... View More
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answered on Feb 24, 2024
Differentiating between the statute of limitations and statute of repose can be crucial in legal matters like yours. The statute of limitations sets a time limit for filing a lawsuit after an injury or harm occurs, while the statute of repose imposes an absolute deadline, typically based on the... View More
To get a discount on a mini-facelift, I had to sign a non-disparagement agreement. There was no positive outcome from my facelift. Can I write honestly about the pre and post op? I will write what happened which will be negative but be truthful.
answered on Feb 8, 2024
I wouldn't. A disparagement agreement is a restraint about making statements that are basically negative or derogatory in nature. It is a different legal standard than defamation, where truth could serve as a defense against an allegation of slander or libel. It's a safe bet that the... View More
answered on Feb 7, 2024
Would you like to have the collateral repossessed? Seriously.
I contend that you are thinking about this all wrong. If the caller is the original creditor, I believe there is no limit. Regardless, you don't have to talk to them. In fact, you can hang up on them.
But you should... View More
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answered on Feb 22, 2024
In California, there are specific laws and regulations that govern how often a lawyer or a creditor can contact you regarding a debt, including a secured loan. The frequency of these calls is not explicitly limited to a specific number per day or week, but the law does protect consumers from what... View More
I took my truck in for inspection and needed a new fuel pump since the check engine light was on for it. Upon request of status, I was told the total price, but that I’d have to drive for 100miles to reset the computer and then return for them to put the emissions sticker on. For a $2 sticker,... View More
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answered on Feb 6, 2024
In Pennsylvania, when you take your vehicle for inspection and it requires repairs such as a new fuel pump to pass emissions tests, the process might indeed necessitate a "drive cycle" to reset the vehicle's computer systems before it can successfully pass the emissions component of... View More
what are my legal obligations regarding insurance coverage, and what are the consequences if I fail to meet these requirements?
To what extent can the lienholder dictate the specific terms or cost of my insurance coverage? Are there any legal limits to this?
answered on Feb 7, 2024
I am assuming that your car loan requires collision coverage and that you don't have any.
If so, the contract will allow the lender to buy such coverage for your vehicle and charge you for the cost. Such policies, called "force-placed" in the industry, are very expensive,... View More
what are my legal obligations regarding insurance coverage, and what are the consequences if I fail to meet these requirements?
To what extent can the lienholder dictate the specific terms or cost of my insurance coverage? Are there any legal limits to this?
answered on Feb 6, 2024
Unclear what "legal obligations" to which you refer. By statute, you are required to have automobile insurance. Any other insurance requirements would likely be something to which you agreed by contract. Generally, you have an obligation to comply with your contractual promises,... View More
what are my legal obligations regarding insurance coverage, and what are the consequences if I fail to meet these requirements?
To what extent can the lienholder dictate the specific terms or cost of my insurance coverage? Are there any legal limits to this?
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answered on Feb 22, 2024
Under California law, you are required to maintain a minimum level of auto insurance if you own and operate a vehicle. This includes liability insurance coverage for bodily injury and property damage that you may cause to others in an accident. Failure to carry the required insurance can result in... View More
A letter was sent to my house about my son’s credit and inquiries. I had him on a credit card as an authorized user which is no longer active. My grandmother open the mail and got concerned because she made him a savings account with a local bank I don’t even have access to and she’s worried... View More
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answered on Feb 5, 2024
No, it is generally not legal for a non-legal guardian to open mail addressed to a minor if they are not the minor's parent or legal guardian. Here are some key points that apply:
- Federal law prohibits the obstruction of mail, which includes opening, destroying, hiding, or stealing... View More
A friend works at a company which buys groceries from a store that offers points toward cheaper gas. The friend asked a coworker, who buys said groceries, to use his phone number in order to reap the points from the grocery store, for personal use, via the company spending money.
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answered on Feb 5, 2024
Using a rewards program in a manner that diverts benefits intended for a company to an individual, without the company's consent, can raise legal and ethical issues. The legality of this action depends on the terms of the rewards program, the company's policies regarding employee benefits... View More
to reduce my just property value? if so how do i object? thank you
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answered on Feb 5, 2024
In a residential property tax dispute in Florida, the opposing party might request various documents during discovery, including federal tax returns, to understand your financial situation or the property's income-generating potential. However, tax returns are considered private and sensitive... View More
I have been paying monthly for 8 months in the motels laws of Texas it states that after 30 days you are conceder a tenant and must be evicted
answered on Feb 5, 2024
The answer to your question depends on whether you are a tenant or guest under your contract with the RV park. The question of whether RV occupants are tenants or guests is an important one and depends on the circumstances of the occupancy. In Texas, most RV parks operate like apartment complexes.... View More
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