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Kentucky Consumer Law Questions & Answers
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... Read more »

Timothy Denison
Timothy Denison
answered on Jan 25, 2023

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

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... Read more »

Leland Hulbert
PREMIUM
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... Read more »

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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.

1 Answer | Asked in Consumer Law and Car Accidents for Kentucky on
Q: Auto accident car totalled, full coverage lapsed but lien holder added forced placed policy. Who owns if loan settled?

Daughter was in accident. Still owes for the car, boyfriend didn't pay insurance but credit union added a forced placed insurance policy. If that policy settles the loan for them. Does the vehicle then belong to my daughter or the credit union in Kentucky?

Timothy Denison
Timothy Denison
answered on Dec 22, 2022

Credit Union gets reimbursed for the loan first. Any remaining proceeds after that go to your daughter.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: I was sentenced to do diversion. So I went to the hospital to do the assessment and this was during Covid. The classes

Was done over the internet I had 2 months into doing them. I asked them “who is turn this all into the courts to make sure I’m getting credits” and come to find out they wasn’t Filleted with the courts so now it looks as if I just didn’t go. So now I haven’t done anything in 6 months... Read more »

Timothy Denison
Timothy Denison
answered on Dec 11, 2022

Hire an attorney immediately and get this straightened out before they remove you from diversion.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Capital one bank refuses to validate my claim when I made a purchase on PayPal and the merchant didn’t get the money.

I submitted plenty of proof that showed the merchant didn’t recieved the payment. Capital one reversed the claim and emptied out my bank account.

Timothy Denison
Timothy Denison
answered on Dec 8, 2022

What is your question?

1 Answer | Asked in Consumer Law and Real Estate Law for Kentucky on
Q: I toured an apartment and began the process of the application process through their website.

I was not asked to pay any application or reservation fees at the time. I also never finished the application process (did not provide pay stubs or pet information) and backed out mid-way through because I decided on another location. The leasing office told me (in writing) I did not owe them any... Read more »

Timothy Denison
Timothy Denison
answered on Nov 18, 2022

You don’t owe them any money (unless you signed something agreeing to pay) so do t pay them any money. It’s not worth look egss as l action at this point but you might want to write them a letter saying debt not owed.

1 Answer | Asked in Civil Litigation, Consumer Law and Contracts for Kentucky on
Q: Can a trailer be sold over half the marketing value ?

The trailer is valued at $11,000 and it is being sold for $20,000. $4,000 has done been paid towards the $20,000 but just now discovering the property only values at $11,000 can I get the price reduced is this even legal?

Timothy Denison
Timothy Denison
answered on Nov 7, 2022

It is legal and you don’t have to buy the trailer at all.

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Made shirts for person who ruined them and now demanding money back

She did not advise me she did this until 24 hours later because the said reason she says she had to wash them was due to animal hair and smoke smell, which is a complete lie. I asked why she did not contact me immediately when her husband returned with them if they were in that alleged condition.... Read more »

Timothy Denison
Timothy Denison
answered on Aug 18, 2022

Don’t refund anything unless there is some merit to her claim. Otherwise, call her bluff.

1 Answer | Asked in Consumer Law and Banking for Kentucky on
Q: I’m part of jones vs Lake Michigan credit union. I would like to start the ball rolling for Citizens bank of Kentucky

The have been chargingOutrages fees . Hundreds of dollars .

Timothy Denison
Timothy Denison
answered on Aug 1, 2022

What is your question?

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can I sue a company for failing to deliver on their promise?

I paid this company over 8000 dollars to get rid of 23,000 dollars in credit card debt, and said my credit score would be in the 700's again. My credit is worse now than it was then.

Timothy Denison
Timothy Denison
answered on Jul 16, 2022

Depends on the terms of the contract you signed when you hired them.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is it legal for a dealership to withhold my car that is financed through the bank when I have been making payments?

I financed a car and it began overheating in less than 24 hrs of having it. The dealership kept it for over 2 months stating that it was fixed and 2 days after having it back the same issue occurred and they placed it back in their shop. During the first period of getting my car fixed, I was given... Read more »

Timothy Denison
Timothy Denison
answered on Jul 12, 2022

Yes. They have a lien on the car securing all work they do. This has nothing to do with the car loan and car payments.

1 Answer | Asked in Consumer Law and Collections for Kentucky on
Q: I paid a debt relief company monthly payments for 3 years and none of my debt was paid down. Can I get my money back?

I paid in almost twice my debt and they didn’t settle any of my debt. Payments over $200 month for 3 years. I called the company numerous times and they kept “disconnecting” me so I’d have to call back again and again. I finally called their bank and asked them to send me, in the mail, all... Read more »

Timothy Denison
Timothy Denison
answered on Jun 29, 2022

Most likely yes but you will have to sue the debt relief company.

1 Answer | Asked in Environmental, Consumer Law, Products Liability and Civil Rights for Kentucky on
Q: , I pay a environmental fee Monthly on my water bill that cost more Then water usage

we’re in a crisis situation due to our water but we pay for an environmental fee every month that cost more than usage

Timothy Denison
Timothy Denison
answered on Jun 27, 2022

What is your question?

1 Answer | Asked in Consumer Law, Copyright, Real Estate Law and Municipal Law for Kentucky on
Q: I am a fan of “freedom net’s” Victor Misek W1WCR and we will definitely miss his reverence,convictions,legislative role

That means we will miss him..3950mhz

Timothy Denison
Timothy Denison
answered on Jun 7, 2022

What is your question?

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Bank cashed check twice. Am I solely responsible to reimburse?

I have the online banking feature however I have never used where you can deposit a check via picture. Attempted to Tom's to do it and it said the photos were blurry however it said it also would take 3 to 5 business days. I needed the money immediately therefore I went straight to the bank... Read more »

Timothy Denison
Timothy Denison
answered on Apr 28, 2022

If you received the money twice, you are responsible for repaying it.

1 Answer | Asked in Consumer Law for Kentucky on
Q: My husband and I have been married three years. We refinanced his house, loan in my name only, both of our names on the

deed. We purchased an RV with both names on the title, loan in my name. If we divorce, can he also be liable for the debt? He is threatening to take the RV and leave and I won't know where he's at. He has not worked for two years due to surgery, my salary has kept us afloat. He has no income.

Timothy Denison
Timothy Denison
answered on Apr 7, 2022

If you divorce, he is absolutely responsible for part of the debt, regardless of whose name the property is titled in.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Vehicle repossessed a year ago. Paid 4.5 years. Repairs more than it was worth. I offered them $1000 to forgive the

loan. They insist on the full amount plus fees now that I'm receiving Social Security. Is this legal?

Timothy Denison
Timothy Denison
answered on Apr 4, 2022

Yes. It is legal.

1 Answer | Asked in Consumer Law, Lemon Law and Contracts for Kentucky on
Q: Mr. Denison I haven't been able to get ahold of the owner of the car lot that committed ky consumer protection act

To discuss anything about the truck either he's not there or he doesn't return calls found out today that he has done went and put my vehicle up for sale again without giving me order for repossession or anything I know I need to hire a lawyer that would take it on a contingency plan can... Read more »

Timothy Denison
Timothy Denison
answered on Mar 23, 2022

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