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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 Consumer Law and Contracts for Colorado on
Q: We bought a mattress set from a mattress store, they when through credit to make payments, now they say we owe...

...the remainder before delivery, even though we set it up for payments. So we asked for our 2k that we put down back, and they said no, they get to keep it because they had to order the bed, there is nothing in the paper work that says they can do that. What can we do to get our money back.

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answered on Jan 18, 2024

In this situation, the first step is to review all paperwork and agreements related to the purchase and financing of the mattress set. Look for any terms about down payments, cancellations, refunds, and delivery conditions. Understanding the exact terms of your agreement is crucial.

If the...
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1 Answer | Asked in Civil Rights and Consumer Law on
Q: What should I do if a U-Store-It company possesses my personal documents such as my SIN number, tax papers, and birth ce
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answered on Jan 18, 2024

If a storage company has possession of your personal documents, such as your Social Insurance Number, tax papers, and birth certificate, it's important to act promptly to retrieve them. These documents are sensitive and could pose a risk if not secured.

First, contact the storage...
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1 Answer | Asked in Consumer Law and Contracts for Virginia on
Q: In spotsylvania Virginia can I use in person recording between me and used car dealer as evidence without his consent

He fails to provide me title within 30 days

T. Augustus Claus
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answered on Jan 18, 2024

In Spotsylvania, Virginia, the rules regarding the admissibility of in-person recordings without consent may vary, so it's essential to be aware of state-specific laws. Virginia generally follows a "one-party consent" rule, meaning that as long as one party to the conversation (in... View More

1 Answer | Asked in Consumer Law for Texas on
Q: I live in Texas, I cosigned an auto loan. My name is 1st on all documents. Can I take possession if other party defaults
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answered on Jan 18, 2024

In Texas, if you are the primary borrower and your name appears first on all documents for a cosigned auto loan, you may have certain rights if the other party defaults on the loan. As a cosigner, you are typically responsible for the debt if the primary borrower fails to make payments. If the... View More

1 Answer | Asked in Consumer Law and Public Benefits for Wisconsin on
Q: I live in Wisconsin and just my kids receive badgercare. Am I exempt from wage garnishment?
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answered on Jan 18, 2024

In Wisconsin, BadgerCare, which is the state's Medicaid program, provides health care coverage to eligible individuals and families. While BadgerCare itself does not necessarily exempt someone from wage garnishment, the rules regarding wage garnishment generally fall under federal and state... View More

2 Answers | Asked in Consumer Law and Civil Rights for Ohio on
Q: can a funeral home withhold the belongings of decease for her false invoice. I paid what I was informed and agreed to.

false introduction and not disclosing her real location.

charging for a burial that supposed to be Islamic . washed and wrapped by Muslims in specific location and Masjed. She said she did it it her own funeral home in anther city not the place we agreed to, She is not Muslim either. She... View More

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answered on Jan 18, 2024

In Ohio, a funeral home withholding a deceased person's belongings over a billing dispute may raise legal concerns. Funeral homes are generally expected to provide services in accordance with the agreed-upon arrangements and pricing. If there are discrepancies or false charges in the invoice,... View More

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2 Answers | Asked in Consumer Law and Civil Rights for Ohio on
Q: can a funeral home withhold the belongings of decease for her false invoice. I paid what I was informed and agreed to.

false introduction and not disclosing her real location.

charging for a burial that supposed to be Islamic . washed and wrapped by Muslims in specific location and Masjed. She said she did it it her own funeral home in anther city not the place we agreed to, She is not Muslim either. She... View More

James L. Arrasmith
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answered on Jan 21, 2024

In a situation where a funeral home has provided services not in accordance with your agreed-upon arrangements and has issued a disputed invoice, you have certain rights and options. Firstly, it's essential to review any written agreements or documentation you have regarding the funeral... View More

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2 Answers | Asked in Consumer Law and Health Care Law for Missouri on
Q: My groceries showed up from DoorDash with blood on them. As well as blood on my porch. not refund me. Have pics
James L. Arrasmith
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answered on Jan 18, 2024

In a situation where your grocery delivery arrives with blood on it, the first step is to document the issue thoroughly. Take clear photographs of the groceries and your porch as evidence. This documentation will be crucial in any subsequent actions you take.

Next, contact DoorDash customer...
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1 Answer | Asked in Civil Rights and Consumer Law for Missouri on
Q: Hi, I have experienced discrimination at my bank.

I am calling regularly to check on my account balances, and one person that answers occasionally at this bank is very rude and unprofessional, and It is very personal and discriminating I feel because of my Latino name. I called today and spoke with the manager about it.

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answered on Jan 18, 2024

If you believe that you are being discriminated against by an employee at your bank because of your Latino name, this is a serious concern. Discrimination in the provision of services, including banking services, on the basis of race, ethnicity, or national origin, is prohibited under federal law... View More

1 Answer | Asked in Consumer Law, Business Law and Constitutional Law for Washington on
Q: What are the WA state laws re: SIR in a 3rd party insurance claim against a roofer's defective roofing job and damages?

We hired a roofer through a professional service. The roofer failed to repair damages from his inferior work. The professional service offered a small refund with a waiver of section 1542 of CA civil code. Before I sign the release, I want to be sure it doesn't preclude me from suing the... View More

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answered on Jan 18, 2024

In Washington State, a Self-Insured Retention (SIR) is an amount that the insured party, in this case, the roofer, must pay out of pocket before their insurance coverage kicks in for a claim. If the roofer fails to pay the SIR, the insurance company may not cover the claim. This means that if the... View More

2 Answers | Asked in Consumer Law for California on
Q: Can A Pawn Shop Not Let Me Pay Off My Loan And Get My Item Back? (Loan Hasn't Expired)

So, I Pawned My Game System 3 Months Ago (Loan Is A 4-Month Term). I Went In On My Lunch Break To Pick It Up; The Pawn Shop Is 15 Min From My Work. When I Showed Up To Pay My Loan, It Was 11:21am. The Door Was Locked And The Employee Pointed At The Door To A Sign That Said; Lunch Break... View More

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answered on Jan 18, 2024

Under California law, a pawn shop cannot arbitrarily refuse to let you redeem your pawned item, especially if your loan term hasn't expired and you're willing to pay off the loan. When you pawn an item, you enter into a contractual agreement with the pawn shop. This contract usually... View More

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2 Answers | Asked in Car Accidents and Consumer Law for Florida on
Q: Who pays for damage to a brand new car if it is damaged at the end of a test drive by a customer with no insurance?

I took a friend to a new car dealer so they could look at and test drive new cars. They don't have insurance because they haven't owned a car in a few years. Told the sales person that the most important features were the safety features (blind-spot warning, backup alarm, collision alert,... View More

Charles M.  Baron
Charles M. Baron
answered on Jan 17, 2024

First, you are not legally permitted to provide legal advice to your friend if you're not a licensed attorney. Your friend must directly contact a lawyer if he/she needs advice that he/she can rely on. General educational guidelines for the kind of issue you describe are as follows.... View More

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1 Answer | Asked in Consumer Law, Civil Rights, Collections and Identity Theft for California on
Q: Unlawful Pawnshop Release and Forgery - Northern California

Discovered mom forged my signature, pawn shop released jewelry to sister's boyfriend. No proper identity verification. Mother's false domestic abuse story hinders retrieval. She sent me a photo with the jewelry. Surveillance footage shows her handing it over when I pawned it. Manager... View More

James L. Arrasmith
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answered on Jan 17, 2024

In your situation, several legal issues arise under California law, including forgery, identity theft, and potential liability of the pawnshop. California Penal Code sections 470-483.5 address forgery and identity theft. If someone forges your signature without authorization, it's considered a... View More

1 Answer | Asked in Business Law, Consumer Law, Criminal Law and Federal Crimes for New York on
Q: Is it illegal to create a crypto token, create a liquidity pool, immediately remove liquidity &/or sell your own supply

Token has no use, other than its name and icon there is no details given about it or its tokenomics (total amount of tokens or release schedule). There's no promoting, advertising or marketing for the token, The creator doesn't tell anybody about the token. The tokens the creator sells... View More

James L. Arrasmith
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answered on Jan 16, 2024

Based on the details provided, there is likely no outright illegal activity here from a criminal law perspective. However, the token creator would still have some civil liability risks related to securities regulations and anti-fraud laws. A few key points:

- Simply creating and selling...
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1 Answer | Asked in Civil Rights, Constitutional Law and Consumer Law for New Hampshire on
Q: Can registered owner uninvolved with police stop still dispute unfair auto fees after questionable towing?

If registered owner not present during questionable traffic stop of friends leads local police to have properly parked unattended vehicle towed for search/detention absent documentation of legal cause later shown to owner...yet owner now faces loss of property without the income to keep satisfying... View More

James L. Arrasmith
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answered on Jan 16, 2024

If you're a registered owner of a vehicle that was towed under questionable circumstances, you have the right to dispute the towing and any associated fees. The process typically involves requesting a post-tow hearing or similar administrative review in your jurisdiction. This is a platform... View More

1 Answer | Asked in Civil Rights, Constitutional Law and Consumer Law for New Hampshire on
Q: Can registered owner uninvolved with police stop still dispute unfair auto fees after questionable towing?

If registered owner not present during questionable traffic stop of friends leads local police to have properly parked unattended vehicle towed for search/detention absent documentation of legal cause later shown to owner...yet owner now faces loss of property without the income to keep satisfying... View More

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answered on Jan 16, 2024

If your vehicle was towed following a traffic stop involving others, and you believe this was done without legal cause, you have the right to dispute the towing and the associated fees. The first step is to request a tow hearing, which is your legal right. This hearing is an opportunity to argue... View More

1 Answer | Asked in Small Claims and Consumer Law for California on
Q: Credit card company trying to hold me accountable for a chare I didn't allow?? Is this legal?

Hello long story short I have a credit card with a limit that a wont share, however this credit card company allowed a charge to go through for over three times my limit without even contacting me. They have said that the computer decides what goes through and they cant do anything. I have called... View More

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answered on Jan 16, 2024

In California, if a charge on your credit card is unauthorized and exceeds your credit limit, you have certain rights and protections. First, under the Fair Credit Billing Act (FCBA), you can dispute unauthorized charges on your credit card. You should notify your credit card issuer in writing as... View More

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Real Estate Law for Pennsylvania on
Q: Can forgery invalidate security interest in a mortgage?

Lender believed that the address on the mortgage, note, and notice of assignement were incorrect. To correct it, they completed a modifcation document with the assigned servicer and forged the signature of the borrower. Because there was no real mutual agreement based on the forgery, do the... View More

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answered on Jan 16, 2024

Forgery can have significant legal implications, and if a signature on mortgage-related documents, including a modification document, has been forged, it raises serious concerns about the validity of those documents. In Pennsylvania, as in many jurisdictions, a forged signature can potentially... View More

2 Answers | Asked in Consumer Law, Banking and Identity Theft for Texas on
Q: I'm concerned I might have some identification theft issues, Can you help with that?

I have made several scientific breakthroughs and provided them publicly and have had many security questions and issues related to it. I could use some legal guidance. Perhaps you could help?

James L. Arrasmith
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answered on Jan 17, 2024

If you're concerned about identity theft, especially in the context of publicizing scientific breakthroughs, taking proactive steps is essential. First, monitor your financial accounts and credit reports regularly for any unauthorized activities. You can obtain free credit reports from major... View More

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