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Florida Consumer Law Questions & Answers
1 Answer | Asked in Business Law, Consumer Law, Contracts and Internet Law for Florida on
Q: If an online seller from another state violates a law in my state, are they bound to my states law?

Online seller renewed a year long subscription without advance notice and is refusing a refund even though I canceled immediately. This is illegal in FL but they are based in Massachusetts

Charles M.  Baron
Charles M. Baron
answered on Jun 24, 2023

If you are buying while in Fla., Fla. law should apply. Regardless, to take legal action, you must see the terms that you agreed to for what procedures and venues apply for resolving any dispute. You likely checked a box for "terms and conditions". By doing that, you agreed to the... View More

2 Answers | Asked in Civil Litigation, Collections and Consumer Law for Florida on
Q: What resets the statute of limitations for debt collection?

I was contacted by a debt collector (possible scammer) about a car that was repoed 14 years ago. He threatened to sue me and garnish my wages. After the call, I looked up the statute of limitations in Florida (5 years), but I understand some actions can reset the clock, like accepting a payment... View More

Charles M.  Baron
Charles M. Baron
answered on Jun 24, 2023

You ARE at risk of resetting the limitations period clock if you agree that you owe the debt or do anything that arguably indicates you agree to it. In that event, the creditor (or its assignee/successor) may sue you for account stated, for which there is a 4-year limitations period starting from... View More

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1 Answer | Asked in Consumer Law, Lemon Law, Contracts and Business Law for Florida on
Q: Can an warranty company refuse to pay repairs although repairs are covered under warranty?

Bought a box truck from Ryder. They don't want to cover repairs for the truck because of "contaminated fuel". Although they covered repairs multiple times before and no where in the contract does it state no coverage for contaminated fuel.

Charles M.  Baron
Charles M. Baron
answered on Jun 13, 2023

The issue is whether the warranty is voided due to your wrongdoing (either intentional or negligent), if any, that caused the damage/issue triggering the need the repair. One issue is the contract language itself, and another issue is the fact issue of whether you actually committed the act or... View More

1 Answer | Asked in Consumer Law and Insurance Defense for Florida on
Q: I have a check from my homeowners insurance for $8000 to replace my roof. Do I have to use it to replace my roof?

I am really not planning on doing that but I am behind in my mortgage and could use some of it for debt purposes. Otherwise I would like to know if I can deposit it and hold onto it because I cannot meet the financial obligation to meet a deductible of $4,000

Tim Akpinar
Tim Akpinar
answered on Jun 8, 2023

A Florida attorney could advise best, but your question remains open for four weeks. Until you're able to discuss with a local attorney for definitive and state-specific guidance based on applicable insurance laws, in general nationwide, insurance carriers might not bother to enforce that... View More

1 Answer | Asked in Consumer Law and Civil Litigation for Florida on
Q: In Florida: how do I get a car that I gifted to someone & a title back from someone?
Phillip William Gunthert
Phillip William Gunthert
answered on Jun 1, 2023

You generally do not or can not because as you have stated, you have gifted it to them and put the title/transferred it into their name, this completes the transfer and gift. Your only hope would be some type of civil action with a civil litigation attorney related to some sort of misunderstanding,... View More

1 Answer | Asked in Bankruptcy, Consumer Law, Estate Planning and Collections for Florida on
Q: 2006 Judgment Still an Issue--New Developments

01/2003 A credit card debt was acquired by Sarasota CCM and they obtained a judgment in in Illinois.

01/2009 I moved to Florida and three years later they registered the judgment in Florida.

09/2000 They garnished a checking account.

No communication from them between... View More

Charles M.  Baron
Charles M. Baron
answered on May 26, 2023

Three options (other than paying in full): 1. Attempt to settle up, such as by offering X cents on the dollar and/or paying in monthly installments over X number of years; 2. File for bankruptcy if eligible (consult a bankruptcy attorney); 3. Determine if you are judgment-proof and can just let... View More

1 Answer | Asked in Consumer Law and Contracts for Florida on
Q: Can I claim a refund now from a car dealer who overcharged me last year?

After a couple of hours in the dealership last year, I failed to properly double check the numbers and the dealer changed the prices we agreed to by more than $16,000 in the contract. I trusted that the numbers were correct and I signed the contract. This week I was looking at the paperwork and... View More

Barbara Billiot Stage
Barbara Billiot Stage
answered on May 10, 2023

Unfortunately, you signed the contract and it is presumed you read and understood the terms and provisions of the contract. You would only have a case if you could prove you signed the contract under duress or there was fraud involved. While it is a long shot, take the contract to an attorney to... View More

1 Answer | Asked in Consumer Law and Banking for Florida on
Q: I am considering a consumer loan to renovate a house that I own. I am told I have to deed my house to the business and

I must make a statement that I do not intend to make this house my personal residence. This is an interest only loan for 1 year. When I pay this loan off are the terms still valid?

Terrence H Thorgaard
Terrence H Thorgaard
answered on May 7, 2023

I suspect that the statement they want you to sign is to protect the lender from your later claiming the property as your homestead. If you default and they have to sue you and get a judgment against you, a claim of homestead would make it difficult to levy upon the property in order to collect... View More

1 Answer | Asked in Consumer Law, Foreclosure, Real Estate Law and Collections for Florida on
Q: Is it legal for my management to threaten foreclosure on me for sending HOA invoices to an incorrect address?

I moved into a condo in Bradenton from New York. My HOA instructions and unique pin for accessing the payment portal was sent to the wrong address for consecutive months. I had asked 3 times for my management to send the paperwork to my new address. For this reason I was unable to pay my dues at... View More

Barbara Billiot Stage
Barbara Billiot Stage
answered on Apr 27, 2023

These are particularly troublesome issues to deal with because Florida law does not favor owners in these situations and owners are not familiar with dealing with the ins and outs of living in a community association, especially if you are just moving to Florida.

The first thing you...
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1 Answer | Asked in Consumer Law for Florida on
Q: Is it possible to "undismiss" a defendant in a civil action?

A case management order automatically dismissed defendants in a civil action for failure to timely serve them with process. The plaintiff ignored the order, served defendants and is now setting the case for trial. Seems the court lost authority over defendants after dismissal. How can a plaintiff... View More

Terrence H Thorgaard
Terrence H Thorgaard
answered on Apr 19, 2023

There are several ways this could happen, depending for example whether the case was under the small claims rules or the civil rules. But such a dismissal would normally be without prejudice. Were the "dismissed" defendants served with a summons issued after the dismissal?

In...
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1 Answer | Asked in Consumer Law, Criminal Law, Employment Law and Business Law for Florida on
Q: Our pharmacy in FL was burglarized by the alarm company’s tech in 2017. One was caught and sentenced, can we still sue?

The alarm company we hired to install cameras and security system sent out a tech to do the install, that tech later robbed the pharmacy with a help from another person. That second person was caught and sentenced and police immediately knew it was the alarm company’s tech because upon reviewing... View More

Charles M.  Baron
Charles M. Baron
answered on Mar 23, 2023

The Fla. Limitations period for negligence suit is 4 years from either the date of incident or from the time the damage was discovered. Either way, the time is probably up for an action based on negligence, such as negligent hiring or negligent retention. I say "probably" because this... View More

1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Florida on
Q: Am I able to cancel a Medspa loan if services were not performed?Medspa was emailed within 3 bus days to cxl agreement.

The lender (Cherry Tech) states the medspa was paid regardless of whether I received services, and all cancellations must be approved by the medspa, who does not reply to any of my emails, texts, voicemails, msgs. I have been sending cancellation notices weekly for the last two months, no responses... View More

Charles M.  Baron
Charles M. Baron
answered on Mar 21, 2023

This is mostly a matter of the terms of your contracts with the service provider and the lender. Schedule a consultation with a lawyer in your area who handles consumer law or breach of contract cases, so that the lawyer can review the contracts and the entire situation. A contract can be a... View More

1 Answer | Asked in Consumer Law, Products Liability, Car Accidents and Lemon Law for Florida on
Q: Do I have a case?

I purchased a used truck about 1.5 years ago from a dealer. When asked about prior damage if any the dealer told me there was only minor. The car fax report only shows minor as well. While I was under the truck checking the size of the spare tire I noticed there is frame damage on the left rear. I... View More

Charles M.  Baron
Charles M. Baron
answered on Mar 5, 2023

Regardless of liability or lack thereof, your first step is to get a written repair estimate, then demand that the dealer pay it, and if they balk, say you're planning to take legal action. That may or may not work, but there's no downside to doing it. That said, whether the dealer is... View More

2 Answers | Asked in Consumer Law, Criminal Law and Civil Rights for Florida on
Q: Is it illegal for a person to tell me that I'm hiring his boss for services, but never met the boss?

Alongside not meeting the person who was supposed to be hired, the money was accepted from me but services were not rendered. No receipts were given at all when asked multiple times for them, only promised to give them as i would tell him 'i need a receipt for this' but then would never... View More

Charles M.  Baron
Charles M. Baron
answered on Feb 23, 2023

Sounds like you've been scammed, as well as extorted. You should have promptly sought advice when you did not get receipts, but seek help now - schedule a consultation with an attorney. You likely have a potential civil claim for money damages (though you might have a collectibility... View More

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1 Answer | Asked in Consumer Law, Products Liability and Animal / Dog Law for Florida on
Q: Are there any attorneys that would take case against a company regarding a recalled product that killed my bulldog?
Charles M.  Baron
Charles M. Baron
answered on Feb 19, 2023

So sorry to hear about your loss. Unfortunately, the measure of damages for the loss of your pet, as provided by law, would likely be only the fair market value of a bulldog of your dog's age at the time of his/her death and any vet bills associated with the incident. So the money that you... View More

1 Answer | Asked in Consumer Law, Contracts and Small Claims for Florida on
Q: Can I sue a Moving Broker for deceptively misleading me and withholding my deposit of $700.

The Broker assured me the space available (291cf) on the moving truck would fit my (12 furniture items). On the day of the move the Movers stated I did not have enough space and would need to purchase more (600 CF). The broker was asked if I had a sufficient amount of space prior to signing the... View More

Charles M.  Baron
Charles M. Baron
answered on Feb 13, 2023

The broker's liability mainly depends on the written contract terms. If your dispute is over $700, I suggest you first contact a government agency handling consumer complaints, such as the Fla. Dept. of Agriculture and Consumer Services and/or your county's consumer protection office, if... View More

1 Answer | Asked in Consumer Law, Criminal Law and Native American Law for Florida on
Q: Why is it so difficult to get honesty?

Some of the lawyers are not honest in their assessments. We need truth not opinions. Things need to be corrected and corrected takes honesty. Honesty takes facts if facts are not known then you do not know the answer.

Jonathan Blecher
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answered on Feb 10, 2023

Lawyers are, and should be, held to a higher standard than car mechanics. However, sometimes they can only provide general answers and not specific solutions when all the pertinent facts aren't available. Lawyers give opinions all the time, based on the information they have. It may not be an... View More

3 Answers | Asked in Consumer Law and Real Estate Law for Florida on
Q: I thought land could only be sold under a Treaty and the Treaty of Adams and Onis that was signed in 1819 was the Treaty

The Treaty of Adams and Onis are not the original Treaty on this land. The Treaty of Middle Plantation is the real Treaty and all of the land sold in America was sold illegally.

John Michael Frick
John Michael Frick
answered on Feb 7, 2023

The Adams & Onis Treaty is the operative document for land ceded to the United States by Spain south of 31 degrees N latitude. That is sovereign source for deed searches.

The Treaty of Middle Plantation was between several Native American tribes that previously existed in norther...
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3 Answers | Asked in Consumer Law and Real Estate Law for Florida on
Q: I thought land could only be sold under a Treaty and the Treaty of Adams and Onis that was signed in 1819 was the Treaty

The Treaty of Adams and Onis are not the original Treaty on this land. The Treaty of Middle Plantation is the real Treaty and all of the land sold in America was sold illegally.

John Michael Frick
John Michael Frick
answered on Feb 7, 2023

I previously wrote: "The Treaty of Middle Plantation was between several Native American tribes that previously existed in norther Florida in the 17th century and the British Colony of Virginia."

The Native American tribes who signed the treaty actually lived in southern...
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1 Answer | Asked in Consumer Law for Florida on
Q: I buy a suv from autodealer from florida i pay with my private check from my checking account they refused

To deliver my fully payd suv with exponation that that was cash deal and try to make me feel out the irs form 8300 I was send them a extract from irs with clearly explanation what was a cash deal and because i paid with my private check it don't feel in category cash deal

Jonathan Blecher
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answered on Dec 11, 2022

Under a separate reporting requirement, banks and other financial institutions report cash purchases of cashier's checks, treasurer's checks and/or bank checks, bank drafts, traveler's checks and money orders with a face value of more than $10,000 by filing currency transaction reports.

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