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Kentucky Consumer Law Questions & Answers
2 Answers | Asked in Communications Law, Consumer Law and Internet Law for Kentucky on
Q: Clarification on CCPA compliance for internet cookies and definition of "users".

I received a response from a lawyer regarding CCPA compliance related to internet cookies on my website. The lawyer mentioned that CCPA applies if I have 100,000 or more "users." I would like clarification on what "users" refers to—does it mean the number of people visiting my... View More

Jeremy Malcolm
Jeremy Malcolm
answered on Jul 15, 2025

The threshold refers to 100,000 California residents, households, or devices whose personal information you collect, receive, or share in a year—even passively through cookies. “Personal information” can include IP addresses, geolocation data, unique identifiers from cookies, or anything else... View More

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2 Answers | Asked in Consumer Law and Internet Law for Kentucky on
Q: Can I use a disclaimer for my tech blog about using free security tools and limiting liability?

I am starting a blog website focused on computers and technology, initially using free tools and hosting services. I plan to include a pop-up disclaimer stating that I am learning about blogging and using free security measures, and I am not responsible for any damage to users' computers or... View More

Christie Dudley
Christie Dudley
answered on Jul 7, 2025

Generally speaking, you are not responsible for damage to computers that access your site, although if you're blindly serving up viruses or worms, you will find your free hosting service shutting down your site before much gets served. Any services that permit such have gone away in the days... View More

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2 Answers | Asked in Traffic Tickets and Consumer Law for Kentucky on
Q: Pulled over in Kentucky with expired tags and no insurance; options and penalties?

I was pulled over in Kentucky with expired tags for two years and no insurance. The officer cited me for these violations. I have no prior violations, and although I am getting insurance today, I don't have the funds to renew my tags. What are my options, and what potential penalties am I facing?

Timothy Denison
Timothy Denison
answered on Mar 16, 2025

If the tags are corrected, they will likely be dismissed. If you did not have insurance, that will likely be a $500 fine and court costs, part of which may be suspended by the Court. No insurance is also an enhanceable offense, which means if you get another No Insurnace charge within five years... View More

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2 Answers | Asked in Consumer Law, Civil Litigation and Criminal Law for Kentucky on
Q: Dispute over forced payment for tow truck services in vehicle sale.

My fiancé sold a vehicle to a buyer, and the buyer arranged for a tow truck to come to our home to pick it up. The buyer needed a jump box, and when asked, my fiancé assisted by using the tow truck driver's jump box. The buyer paid the tow truck driver, but the driver also requested payment... View More

John Amos Whatley
John Amos Whatley
answered on Mar 11, 2025

Your fiancé may have legal grounds to dispute the payment, as he did not request the tow truck's services and had no contractual obligation to pay. To address the situation, he should gather all relevant documentation, including receipts, communications, and any witness statements confirming... View More

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2 Answers | Asked in Civil Rights, Constitutional Law, Consumer Law and Health Care Law for Kentucky on
Q: What type of lawyer do I need to do a class action lawsuit on a Medicaid KY rehab facility in Mercer county KY
Tim Akpinar
Tim Akpinar
answered on Jul 26, 2024

Reaching out to attorneys who handle health care litigation could be a starting point. An experienced attorney should be able to determine if the theory of your contemplated lawsuit would lend itself to a class action lawsuit. Law firms that handle class actions tend to be large, with considerable... View More

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2 Answers | Asked in Civil Rights, Constitutional Law, Consumer Law and Health Care Law for Kentucky on
Q: What type of lawyer do I need to do a class action lawsuit on a Medicaid KY rehab facility in Mercer county KY
James L. Arrasmith
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answered on Jul 21, 2024

To pursue a class action lawsuit against a Medicaid rehab facility in Mercer County, KY, you'll need a lawyer with experience in class action litigation and familiarity with healthcare law. These types of cases often involve complex regulations and multiple plaintiffs, so having someone who... View More

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1 Answer | Asked in Bankruptcy, Consumer Law and Landlord - Tenant for Kentucky on
Q: Did my landlord violate the automatic stay ?

I filled bannkrupy by myself may 17. Landlord was very much aware of my bankruptcy. Landlord filed evictions on me June the 7th with no premision from the court. I got served with eviction papers June 11. Landlord filed a motion to dismiss the eviction the day before eviction court but I still went... View More

James L. Arrasmith
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answered on Jul 2, 2024

Based on the information provided, it appears that your landlord may have indeed violated the automatic stay that goes into effect when you file for bankruptcy. Let's break this down:

1. You filed for bankruptcy on May 17.

2. The automatic stay goes into effect immediately upon...
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1 Answer | Asked in Consumer Law and Internet Law for Kentucky on
Q: Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.

I had added $500, $200, $200 and tried three times adding another $100 to pay my car insurance yesterday. Keep in mind that they keep $1 for every time you add money so the 500 was $499, the $200 I added $201 and again I added $201. Then it declined my $101 for my car insurance and said I had added... View More

James L. Arrasmith
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answered on Apr 6, 2024

It sounds like you are experiencing some frustration and confusion with the limits and policies of Cashapp. Here are a few thoughts on your situation:

1. Conflicting limit information: It does seem odd that Cashapp is displaying different weekly and monthly transaction limits in different...
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1 Answer | Asked in Consumer Law, Car Accidents and Insurance Defense for Kentucky on
Q: Vehicle was deemed a total loss, but I want to buy back the vehicle. I still owe on the loan.

The total settlement number they gave me would be more than I owe, but the salvage price to keep the vehicle would make the new amount less. I understand that would leave me with the remaining loan balance. Adjuster told me that they won’t release any funds until the loan is paid in full. I was... View More

Tim Akpinar
Tim Akpinar
answered on Mar 28, 2024

A Kentucky attorney could advise best, but your question remains open for a week. You'll probably need to go through the figures with them in more detail than is possible here. But the basic principle is that keeping the vehicle will reduce the payment. If a vehicle is old and low value, it... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Public Benefits for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To initiate a process against the Kentucky Department of Community Based Services (DCBS) for alleged criminal violations, including potential civil rights violations under "color of law," you would typically start by documenting all relevant incidents, including dates, times, and... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Constitutional Law for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To pursue criminal charges against the Kentucky Department for Community Based Services (DCBS), you should start by gathering any evidence or documentation related to the alleged misconduct. This could include emails, letters, or records of interactions with DCBS officials. Additionally, it's... View More

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: If a dealer sold me an RV, that I have not taken possession of, and there is no title, do I have to take it? In Kentucky

The dealer has been less than transparent

James L. Arrasmith
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answered on Feb 23, 2024

In Kentucky, you are not obligated to take possession of an RV from a dealer if there is no title available. It is essential to ensure that all necessary paperwork, including the title, is in order before finalizing the purchase and taking possession of the vehicle. If the dealer has been less than... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a car at a buy here pay her car lot a part on the car broke down the buy here pay here car lot said they would

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: Police impounded my car and arrested me. Grand jury did not indict. Do I have to pay tow an storage to get car back

I was arrested on Feb.21,2023. Ispent 12 days in jail an I could not pay the amount when I was released. I received notice of No true bill by Grand Jury 9 months later on Nov. 30 2023. The police said that a private tow service got it but that they called them upon my arrest. Vehicle was parked... View More

James L. Arrasmith
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answered on Feb 2, 2024

If you were arrested, spent time in jail, and your car was impounded, but the grand jury did not indict you, you may have a valid claim to retrieve your vehicle without having to pay for towing and storage fees. Start by obtaining all documentation related to your arrest, release, and the no true... View More

2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

T. Augustus Claus
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answered on Feb 1, 2024

If a buy here pay here car lot caused rain damage to your vehicle while repairing it, resulting in mold inside the car, you may have legal options to address the situation. First, document the damage by taking photographs and collecting any relevant evidence, such as repair invoices or... View More

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2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

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1 Answer | Asked in Consumer Law for Kentucky on
Q: Do I have to pay auto dealership service dept?

Hit a deer in my 2014 nissan maxima. My car cut off upon impact. Had car towed to a nissan dealership to have diagnostics ran on it. They said it needed new ECM, oilpan replaced due to hole bein in it, and needed frt brakes done. Cost was gonna be $3700.00. I told em to put new ECM on, and oilpan.... View More

James L. Arrasmith
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answered on Nov 17, 2023

In your situation, you are generally obligated to pay for the services and parts provided by the auto dealership's service department. This includes the new ECM and oil pan they installed, as per your agreement. However, since the car is still not running despite these repairs, it's... View More

1 Answer | Asked in Animal / Dog Law, Business Law, Personal Injury and Consumer Law for Kentucky on
Q: How can I file a claim against my neighbor's insurance for their dog killing my chickens?

I'm seeking legal advice regarding an incident that occurred on June 28, 2025, in Kentucky. My neighbor's dog entered my property and killed 10 roosters, 3 hens, and 15 baby chickens. These chickens were not only significant assets, with certain roosters valued at $5,000 each, but they... View More

James L. Arrasmith
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answered on Nov 7, 2025

You can pursue this through the neighbor’s homeowners liability insurance; Kentucky imposes statutory strict liability on dog owners for damage their dog causes on another’s property, so you need to prove ownership of the dog, the entry onto your land, and the losses. Your animal-control... View More

1 Answer | Asked in Consumer Law, Civil Litigation and Contracts for Kentucky on
Q: Can I sue a home warranty company for failing to resolve an approved service issue, concerning incorrect furnace installation?

My home warranty company approved a new furnace installation in May 2025. The HVAC technician sent by the warranty company installed a furnace larger than requested and did not test it to ensure it worked properly. The job wasn’t completed until August. I then hired another company to inspect and... View More

James L. Arrasmith
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answered on Nov 6, 2025

Yes—you can sue, and your facts support multiple Kentucky causes of action. You have a breach‑of‑contract claim against the home warranty company for failing to deliver the approved repair in a timely, workmanlike manner, plus potential claims under the Kentucky Consumer Protection Act for... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: Unrecognized charges after downloading "Screenshot X-Screen Capture" app.

I downloaded a free app called "Screenshot X-Screen Capture" from Google Play last month. The app description mentioned it was free, but after briefly using and uninstalling it, I noticed charges on my credit card. I contacted my credit card company, which found most transactions valid... View More

James L. Arrasmith
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answered on Oct 31, 2025

What you’re describing sounds like a deceptive subscription practice, which may violate consumer protection laws. Many apps advertise themselves as “free” but hide automatic subscription renewals in the fine print. Since you did not knowingly authorize these weekly charges, you have the right... View More

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