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Florida Consumer Law Questions & Answers
1 Answer | Asked in Car Accidents, Consumer Law and Insurance Defense for Florida on
Q: Received $1800 invoice for damage after rear-ending a rental car.

I was driving a rental car and rear-ended another driver who was also in a rental—specifically, a loaner from a dealership. The damage appeared minimal at the time, and we exchanged information. Recently, I received an invoice for $1800 from a body shop regarding the other driver's vehicle.... View More

Tim Akpinar
Tim Akpinar
answered on Mar 21, 2025

A Florida attorney could advise best, but your question remains open for a month. I'm sorry about your accident. I hope all involved are okay. A starting point could be to review the terms of your rental and what it covers in terms of property damage. Based on the facts the post, it isn't... View More

2 Answers | Asked in Banking, Real Estate Law and Consumer Law for Florida on
Q: Can a lender change lien position without owner's authorization in Florida?

I have a Home Equity Installment (HEI) that was in the first lien position on my property. Recently, I discovered through emails that my mortgage lender instructed my homeowner's insurance agent to change their position to first lien without notifying me or the HEI company. No Subordination... View More

Anthony M. Avery
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answered on Mar 17, 2025

Whichever lender filed their security instrument first has priority unless there is an executed subordination agreement recorded. Hire a FL to search the title and determine your title's exact status. Such a so called "HEI" mortgage is almost always second or third in priority, as... View More

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1 Answer | Asked in Consumer Law, Contracts and Real Estate Law for Florida on
Q: Can I sue for unresolved flooring defects under warranty in FL?

In October 2024, I notified the company of a defective section of flooring in my house under warranty. The warranty covers repairs and replacements for one year. Despite numerous telephone conversations—eight in total, with the last on March 4, 2025, when the manager assured me that repair work... View More

Erik A. Perez
Erik A. Perez
answered on Mar 17, 2025

You may pursue a claim for construction defects and other causes of action that may apply. However, you must first comply with the pre-suit process under the statute which requires that a notice and opportunity to repair be provided to the contractor. Chapter 558 specifies "the notice of claim... View More

1 Answer | Asked in Collections and Consumer Law for Florida on
Q: Should I pay charge-offs for a credit card and personal loan in Florida?

I have charge-offs related to a credit card and a personal loan. Creditors have contacted me, but I have not received any settlement offers. I believe these charge-offs are affecting my credit score, and I previously consulted with a financial advisor, but I was not satisfied with their advice.... View More

Phillip William Gunthert
Phillip William Gunthert
answered on Mar 11, 2025

Probably not, those are probably uncollectable debts based on how old they are and whether the statute of limitations has expired on them and whether a lawsuit was or will be filed if they are not past the statute of limitations will matter. If you decide to settle them, you need to negotiate how... View More

3 Answers | Asked in Personal Injury, Consumer Law and Insurance Defense for Florida on
Q: Tripped over cord in friend's house, broke arm, seeking legal advice.

I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

Stephen Arnold Black
Stephen Arnold Black
answered on Mar 10, 2025

Yes, I think you have a claim. Your claim would be stronger if you took a picture to show that the cord was concealed or hidden from obvious view. However, that would not be indispensable for you to pursue a claim. You should retain an attorney on contingency fee here in central Florida, which... View More

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3 Answers | Asked in Personal Injury, Consumer Law and Insurance Defense for Florida on
Q: Tripped over cord in friend's house, broke arm, seeking legal advice.

I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

Mitchell Feldman
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Mitchell Feldman
answered on Mar 10, 2025

You do have a claim for negligence. Medicaid will have a lien on the recovery, and generally in any personal injury case, the insurance carrier, medicaid or medicare have liens on the recovery. I think time is of the essence. Generally the homeowners insurance should provide some level of... View More

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3 Answers | Asked in Personal Injury, Consumer Law and Insurance Defense for Florida on
Q: Tripped over cord in friend's house, broke arm, seeking legal advice.

I live in Lakeland, Florida, and I was helping my friend clean their house to prepare it for sale. Unfortunately, I tripped over a cord that wasn't visible and broke my arm severely. I underwent a 6-hour surgery to insert rods, screws, and a metal plate in my elbow. My friend's house is... View More

James Clifton
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James Clifton
answered on Mar 10, 2025

Yes, you have a case. If the cord was in a location where you couldn't reasonably expect it, or it wasn't clearly visible, this could be considered a hazardous condition that your friend was responsible for addressing. You definitely want to work with a premises liability attorney.... View More

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1 Answer | Asked in Real Estate Law and Consumer Law for Florida on
Q: Can a condo board force me to insure a deeded carport under a new rule?

I have a deeded carport at my condominium, and the condo board is forcing me to pay for insuring it as per a new rule under the condo act. I would like to know if this is permissible, and what my rights are regarding this new requirement.

Barbara Billiot Stage
Barbara Billiot Stage
answered on Feb 27, 2025

Unit owners have always been required to insure their units, which would include a carport if it's deeded to you. The State of Florida has not been great at enforcing that statute but there has been a renewed push for enforcement. This is for your protection as well as the protection of... View More

1 Answer | Asked in Landlord - Tenant, Consumer Law and Contracts for Florida on
Q: Can I break my lease over a missing fence they promised?

I leased a house that was advertised as having a fenced backyard and allowing pets. When I visited, the fence was there, but it was gone when I moved in. I've been using a temporary fence for two years, but now the leasing company removed it, saying it's a violation. They only acted when... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Feb 26, 2025

In a word, no, not without penalty. Your lease doesn't require a fence. The fact the fence was there doesn't mean the owner is required to keep it up. It was either illegal or in such disrepair that the owner decided to remove it. Read your lease for a termination clause, or leave when... View More

2 Answers | Asked in Real Estate Law, Landlord - Tenant and Consumer Law for Florida on
Q: What actions can HOA take for lack of insurance due to house condition?

I am a co-owner of a house in Florida that is part of an HOA, which requires homeowner's insurance. The house was inherited and mid-renovation when the previous owner died, leading to policy cancellation. It's uninsurable due to its interior condition, failing a 4-point inspection.... View More

Barbara Billiot Stage
Barbara Billiot Stage
answered on Feb 24, 2025

That depends on the language in your association documents and if you are truly a HOA under Chapter 720 or a COA (condo association) under Chapter 718. Sometimes homes with lots are still organized as COAs and vice versa. Some HOA documents provide for unlimited fines. If you communicate with... View More

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1 Answer | Asked in Consumer Law, Contracts and Civil Litigation for Florida on
Q: Liability for fraudulent ACH chargeback dispute with $20,000 damages.

I am the victim of a fraudulent ACH chargeback dispute filed by my mother, who had agreed to assist me with my bills for 6-8 months. She gave me access to her bank account with verbal permission to use funds to pay my bills. Due to a separate issue, she threatened to reverse all funds by filing... View More

Martin George Prego
Martin George Prego
answered on Feb 14, 2025

Under federal law, potential liability for your mother and the bank in this ACH chargeback dispute involves multiple legal considerations:

1. Your Mother’s Potential Liability

Your mother may be liable for fraud or unjust enrichment based on the following factors:...
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1 Answer | Asked in Consumer Law and Internet Law for Florida on
Q: I am a Senior citizen and got ripped off financially by an online scam. What can I do to try and recoup?

Online scams claim that following their "system" would earn one approximately $10,000 per month. As part of their presentation, they pulled up all my credit cards online and listed how much was available, dollar-wise, on each one as part of their qualification procedure.... View More

Stephen Arnold Black
Stephen Arnold Black
answered on Feb 11, 2025

If you were the victim of an online scam, then the federal bureau of investigation would have jurisdiction over that. You need to contact your local FBI field office and tell them that you want to file a police report. They will intake the report and then go to work to see if they can try to get... View More

3 Answers | Asked in Bankruptcy, Consumer Law and Civil Litigation for Florida on
Q: On disability given summons complaint Citibank 13,000 credit card need help or do myself written responses

Hello I got served February 1st and am currently waiting for my first SSDI check I just got approved yesterday and need to know how to go about this and what my defense would be since I know more than likely I owe the money but I don't have the funds to pay them, thank you God bless, Richard

Barbara Billiot Stage
Barbara Billiot Stage
answered on Feb 5, 2025

The Middle District of Florida has a pro se clinic that helps people file bankruptcy pro se (by yourself). The clinic is open from 2pm - 4pm every Wednesday without an appointment needed. You can also schedule a consultation in person or by telephone using this link:... View More

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1 Answer | Asked in Civil Litigation and Consumer Law for Florida on
Q: Is it civil or criminal law when a landscape company adds charges such as equipment not used to my invoice.
Charles M.  Baron
Charles M. Baron
answered on Jan 23, 2025

It's at least civil, and usually this kind of issue is civil only, including potential issues of breach of contract and/or unfair and deceptive trade practices. However, in some cases, a fraudulent act could be a criminal act, and that would be an issue for a law enforcement agency.

2 Answers | Asked in Consumer Law for Florida on
Q: served with Notice to Appear for pretrial conference for a debt of credit card to fifth third bank. How can we settle?

My mother is 79 only received SS. She is scared they will take her monthly check. How can we settle before going to court. We don’t have lot of money but she is scared

Phillip William Gunthert
Phillip William Gunthert
answered on Dec 18, 2024

Many assets are protected in Florida, Homestead and Social Security amongst other things, while you can try to settle and get on a payment plan with them on a monthly basis, it is also just as likely that they will not be able to do anything to her as she will be exempt from garnishment or... View More

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1 Answer | Asked in Consumer Law and Contracts for Florida on
Q: What makes a cancellation fee unreasonable under Florida law? Is there a statute or case law that speaks to this?
Charles M.  Baron
Charles M. Baron
answered on Dec 11, 2024

Are you talking about a cancellation fee that the parties agreed to in a legally valid and legally executed contract or lease, with no factors rendering the making of the agreement itself a problem (such as a party being the victim of fraudulent inducement, or being subject to duress, or being... View More

1 Answer | Asked in Consumer Law, Real Estate Law, Business Law and Construction Law for Florida on
Q: Hired a company to do work on our home.. Satisfied with work but can't get company to send us a bill so we can settle.

We have repeatedly asked to send us a bill/invoice for work done but have not received one. Now we can't seem to get a hold of anyone. Any recourse or advice?

Barry W. Kaufman
Barry W. Kaufman
answered on Nov 26, 2024

Send a certified letter to the company asking for a bill. Retain the amount of money you believe is owed in a savings account or other account that you are not tempted to use for a minimum of 5 years from the completion of the project. (If you think you might owe $5k, retain $6k, etc., to be on... View More

1 Answer | Asked in Consumer Law, Business Law, Collections and Small Claims for Florida on
Q: I paid for scooter parts online, but never received parts. what should be next step? less than $200 more than $100

gave plenty of time for delivery. sent email giving them a deadline (even gave more time on that) after waiting almost two months.

Erik A. Perez
Erik A. Perez
answered on Oct 9, 2024

You can send them a demand letter notifying them they have a certain time frame to deliver the goods or you will be filing suit on that date. Realistically, it is not worth filing a lawsuit for an amount under $200, so the demand letter should be used as a tool to begin negotiations. Additionally,... View More

3 Answers | Asked in Consumer Law, Contracts, Civil Litigation and Civil Rights for Florida on
Q: Does the fact that I couldn’t afford therapy strengthen my emotional distress claim?

I plan to visit the dealership again to secretly record conversations regarding the $3,000 down payment, terms of financing, and other details for my case.

As Florida is a two-party consent state, I am concerned about whether it is legal to record these conversations inside the... View More

Charles M.  Baron
Charles M. Baron
answered on Oct 8, 2024

You first posed a question about the affect of not affording therapy on an emotional distress claim, and you then stated a concern about recording a conversation, which I take to mean a question asking if you can record in the setting you described without asking permission. You did not connect... View More

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1 Answer | Asked in Consumer Law and Collections for Florida on
Q: Do I have to respond to an unsigned Complaint? And all exhibits against me are not signed?

The Complaint has a typed name but no signature. The exhibits all have my name added to the top of the page but are not related to me in any other way.

Charles M.  Baron
Charles M. Baron
answered on Sep 20, 2024

If you received a SUMMONS with the court complaint, you must comply with the instructions in the summons, which notifies the named defendant that failure to file a response may result in the defendant's money, wages, or property being taken without further notification. Any defenses or... View More

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