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Kentucky Consumer Law Questions & Answers
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 Consumer Law and Contracts for Kentucky on
Q: Home security company never installed cameras but has been charging me monthly fees for 5-6 years. What can I do?

Just needing a little guidance on whether I have a lawsuit, I used fluent security company to install security cameras and sensors in my house. This was about 5-6 years ago. Well they never installed the cameras and I have been paying for their service for 5-6 years but have never used their... View More

James L. Arrasmith
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answered on Nov 9, 2023

If a home security company has failed to install cameras as per the agreement and has been charging you for non-rendered services, you may have grounds to dispute the charges and potentially seek reimbursement. It would be advisable to review the terms of your contract with the company and collect... View More

2 Answers | Asked in Consumer Law and Small Claims for Kentucky on
Q: I purchased a used 1999 Ford truck from private party in Kentucky. Although they said it would “make it “ the 3 1/2 hour

Fraudulent listing on marketplace fraudulent mileage. Nothing works, states 1 owner. I’m the 10 th!! Mileage is less than in 2016. Frame is full of holes and rust. I’ve driven it 6 miles. I’m 64 and on a fixed income and boy am I stupid!! I’m out 2k for the truck $700 for uhaul , hotel... View More

Leland Hulbert
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Leland Hulbert
answered on Jan 19, 2023

You should be able to sue him in small claims court in the county where the transaction took place. Save all your records and communications with him. You can hire a lawyer, but that may end up costing you more than the car is worth. They have small claims packets at the courthouse so you can file... View More

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1 Answer | Asked in Consumer Law, Small Claims, Contracts and Collections for Kentucky on
Q: MCM (debt Coll.) trying to sue me for over a yr. they want a bench trial, what are my next steps?

KY Attorneys Only: *cannot afford attorney, SAHM* MCM has been trying to sue me for cc debt for over a yr. I answered the summons, and everything else like I’m supposed to and never heard back for almost a year. My circuit court sent me a notice to dismiss due to MCM lack of prosecution in a... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Nov 30, 2023

There are people in your town who know what to do. Lawyers. Hire one, because no amount of internet questions and answers is going to get you to the level of knowledge you will need to successfully represent yourself at trial.

1 Answer | Asked in Consumer Law, Probate and Wrongful Death for Kentucky on
Q: I am the only blood child what are my rights

Being the only child can i stop the executor of my father’s estate until i can get an investigation on his death? His ex wife’s son is executor of his estate the police went out to check on his home for me and they was there emptying the home and he had not been in the ground 30 minutes. I was... View More

Timothy Denison
Timothy Denison
answered on Nov 5, 2023

You need to hire a lawyer, open probate, get appointed and then open your own investigation into his death. This could be time consuming and costly, however, with guarantee as to any results.

1 Answer | Asked in Consumer Law, Contracts and Construction Law for Kentucky on
Q: What type attorney represents homeowner with property damage from contractors negligence. Damage exceed KY small claims

Hired a 5 star "thumbtack" recommended company to install hardwood floor/paint paying $30k cash. Won't provide copy IRS Form 8300 or the flooring style so I can hire someone to correct mistakes. Contract charged for disposal of old flooring which I disposed of. Wood cut inside home... View More

Timothy Denison
Timothy Denison
answered on Oct 29, 2023

You need a construction or building attorney. A Cosper protection rights attorney would also be helpful.

1 Answer | Asked in Consumer Law for Kentucky on
Q: A year has gone by from when I put my car in the shop They never called me I called him cinstantly They never returned

They marked my car as abandoned. I found it I told him I wanted it back to undo anything they've done to. Now. They say oh, without standing bill. Do I have to pay it?

Timothy Denison
Timothy Denison
answered on Sep 29, 2023

No. Take a criminal

Complaint for fraud.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Parts repair done at dealership 7 mos later same part is needing to be replaced should I have to pay again

The dealership replaced solenoid on my car in January it is having to be replaced again only 7 months later. Is there a lemon law for vehicle repair? If so is the dealership responsible for the repair/labor cost this time? Thank you

Timothy Denison
Timothy Denison
answered on Aug 13, 2023

They should replace the part with no cost. Whether the labor is included varies from place to place.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a business legally check your credit without a social and without consent?

The company only asked for the name and birthdate of the “homeowner” saying they only needed that information to verify they actually own the home. Then a credit check notice was received. How is that even possible? Thank you in advance for any help in the matter.

Timothy Denison
Timothy Denison
answered on Jul 25, 2023

No. They cannot run your credit without your express permission.

1 Answer | Asked in Consumer Law, Contracts and Criminal Law for Kentucky on
Q: What are the laws for disclosing pending criminal charges against seller?

During the buying process, I began to do a little research. I discovered that the one half of the selling coke was in jail pending trial for inappropriate conduct at the residence with several young grandchildren. They even had a “play house” in the back yard that we looked at.

The... View More

Timothy Denison
Timothy Denison
answered on Jun 18, 2023

There are none unless it involves fraud or misrepresentation of the sale property. The criminal History of a buyer or seller is rarely germane to the sale of property.

1 Answer | Asked in Consumer Law, Products Liability and Business Law for Kentucky on
Q: Car dealership did not do the work stated and didn't hook up my turbo when they were to replace engine dt recall.

Recall on motors from hyundai.. mine blew up on the way to work with no prior lights, indication on computer of any issues. Oxmoor hyundai was to replace engine (fully under 100% warranty ) Had a rattle that it never had prior. I took it there the 1st time after replacing within 400 miles bc light... View More

Timothy Denison
Timothy Denison
answered on Jun 14, 2023

You need to consult a civil attorney to evaluate your claims. You may have a consumer protection claim against the seller.

1 Answer | Asked in Consumer Law, Banking and Collections for Kentucky on
Q: What can I do?

So my bank forceplaced insurance on my loan, for nearly $7,000. Never once even telling me there was an issue with my insurance coverage. Since I had automated payments, I went 3 months paying my normal payment, and had no idea my payment had even been raised from $430 a month, to $880! Never once... View More

Timothy Denison
Timothy Denison
answered on Jun 7, 2023

You may want to consult a bankruptcy attorney who can review your entire financial situation and see if you qualify for snd debt relief if reduction programs or for bankruptcy.

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: In my contact my payment is 275 they then raised it to 350 plus they told me when I purchased it there was no accidents

But found it there was 2, can they do that

Timothy Denison
Timothy Denison
answered on Apr 25, 2023

Your question raises more questions: 1) what type of contract; 2) what are the terms of the contract re price increase; 3) what is current status? Consular a competent lawyer who can review all your information and properly answer your questions.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Amazon flat out falsely lie to me about something I bought from them an have the email to prove it can I sue them

Bought a pc from Amazon. Had the wrong parts. Ask them to replace. They said they did have anymore that they would calle the third partie to see if they would replace it. She sent me an email saying they said they wouldn't. Two days later I call them out of curiosity and they were happy to... View More

Timothy Denison
Timothy Denison
answered on Apr 8, 2023

You may have a consumer protection claim against them for the falsehoods. However, damages are very minimal and likely not worth pursuing.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is email from insurance agent binding ?

After storm we lost quite a few roof shingles

And our roof is older so thought insurance would deduct value as I think our policy says.

But I got 2 different emails from my agent when I asked him how to proceed both claiming that as long as we paid deductible they would cover the... View More

Timothy Denison
Timothy Denison
answered on Mar 22, 2023

Yes. It is binding.

2 Answers | Asked in Consumer Law, Collections and Insurance Defense for Kentucky on
Q: Is this a possible lawsuit?

I was force placed insurance on my truck that ive had insurance on since day one. They told me there was a lapse and my truck payment went from $400 a month to over $800 a month. I sent proof of insurance and they ignored me and dodged my calls for a week. I finally got ahold of them and they said... View More

Joel Gary Selik
Joel Gary Selik
answered on Feb 4, 2023

Yes it is a possible lawsuit. You should consult with an experienced attorney in consumer rights.

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1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Kentucky on
Q: Is this a case?

I was making payments through a truck I started financing a year ago, and those payments were being made through SMART Payment plan in which they charged me on a biweekly basis in means to help me pay off the vehicle quicker.

Problems occured quuckly and often through them. My payments were... View More

Timothy Denison
Timothy Denison
answered on Feb 3, 2023

Technically, there is probably some liability there but it very likely wouldn’t be worth the time, money or hassle to pursue it. If you can get reimbursed what you’ve lost ( or most of it), you’ll still be ahead of the game.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: How do I get a vehicle transferred that I purchased and paid in full when the party refuses to complete the transfer?

I paid in full $6000 over a year ago for the vehicle and still can not get a title in my name. After going to the county clerk where the vehicle was purchased I find out it is not even in the person's name that took my money, he is also an attorney. I have ask the county attorney and the... View More

Timothy Denison
Timothy Denison
answered on Jan 25, 2023

Take a criminal complaint against the seller for failing to register the transfer.

1 Answer | Asked in Bankruptcy, Consumer Law, Employment Law and Collections for Kentucky on
Q: My employer received a garnishment form to garnish my wages. The file date for garnishment was 2007. Is there time limit
Timothy Denison
Timothy Denison
answered on Jan 16, 2023

Yes. There is a 15 year statute of limitations on a judgment collection if it has not been renewed.

1 Answer | Asked in Banking, Civil Litigation and Consumer Law for Kentucky on
Q: Can a credit Union charge your card without permission and then close your card in a middle of a credit card dispute.

I notice a charge on my Credit card from a insurance agent for disability. There was a over payment and they charge my credit card without my authority...

Timothy Denison
Timothy Denison
answered on Jan 4, 2023

The Union usually has a set off provision in their cardholder agreement which allows them to set off any monies in your account to the extent their debt is paid.

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