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Kentucky Consumer Law Questions & Answers
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 Contracts, Consumer Law and Insurance Defense for Kentucky on
Q: Am I obligated to pay a 2-year-late contractor invoice without a contract in Kentucky?

Two years ago, we hired a contractor to repair our roof due to storm damage. The contractor requested our insurance quote and assured us that the work was covered, so we didn’t get a bid or sign a contract. The work was completed without any payment or further communication with the contractor or... View More

Timothy Denison
Timothy Denison
answered on Apr 18, 2025

Forward the quote to your insurance and see if they will pay it for you.

2 Answers | Asked in Business Law, Consumer Law, Insurance Defense and Personal Injury for Kentucky on
Q: Golf cart accident at Kentucky B&B; owner demands payment. How to proceed?

While staying at a bed and breakfast, I drove a golf cart owned by the establishment. After parking it, the cart rolled back and collided with a truck. I did not sign any waivers or responsibility acknowledgments about liability before driving the golf carts, and there were no signs or verbal... View More

Timothy Denison
Timothy Denison
answered on Apr 16, 2025

Don’t pay it or respond. If you didn’t sign the agreement, you’re not bound by it. Make them sue you and force them to use their insurance.

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3 Answers | Asked in Criminal Law, Identity Theft and Consumer Law for Kentucky on
Q: Arraignment delay after parole violation in Kentucky

I live in Kentucky, and my boyfriend was charged with shoplifting and identity theft in Pike County. He was released on bond but missed his original arraignment and was later picked up in Perry County on a parole violation warrant. He is now in Perry County jail, facing no charges there, but... View More

Timothy Denison
Timothy Denison
answered on Apr 13, 2025

He will have to wait until the pv detainer is released.

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1 Answer | Asked in Consumer Law and Energy, Oil and Gas for Kentucky on
Q: Can Kentucky Power attach another person's bill to mine without consent?

I've disputed the fact that Kentucky Power attached a power bill for my brother's address to my power bill, claiming I agreed to pay it. I've never consented to this responsibility, nor was there a written agreement. Despite my dispute, they insist on the attachment. What can I do to... View More

James L. Arrasmith
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answered on Apr 12, 2025

It sounds like Kentucky Power is making an error by attaching your brother’s bill to your account without your consent. First, you should formally dispute the charge in writing, providing a clear explanation that you did not agree to take responsibility for the bill. Request that Kentucky Power... View More

2 Answers | Asked in Consumer Law, Contracts, Landlord - Tenant and Real Estate Law for Kentucky on
Q: What are my legal options for undisclosed car tracking, high finance charge, and no warranty in Kentucky?

In February 2023, I purchased a 5-year-old car with a $2,500 down payment. Over three years, I paid more than $15,000, but due to a 24% finance charge, the total cost amounted to $30,000. I was not given a warranty because of the car's age. Recently, I found out a tracking device was installed... View More

Timothy Denison
Timothy Denison
answered on Apr 12, 2025

Sue the seller.

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