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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law, Criminal Law, Health Care Law and Medical Malpractice for Kentucky on
Q: Tier 1 hospital billing as tier 2

I am a baptist health employee, I have the premier health plan through baptist which I pay the premium on. I am having surgery at this hospital, which is baptist owned. I was called with my estimate, it is double my tier 1 out of pocket max. After contacting the insurance company, I found out that... Read more »

Leland Hulbert
Leland Hulbert answered on Jan 17, 2021

I don’t immediately see any criminal law issues for your question. That sounds like a health insurance billing issue. You could try contacting someone with the Department of insurance In your home state.

1 Answer | Asked in Business Law, Civil Litigation and Consumer Law for Kentucky on
Q: On July 7th 2020 I went to a local car dealership and traded in my vehicle which I was told to get $1,500 for trade.

I traded in my vehicle which was told to get $1,500 towards purchasing my new car plus I made a down payment of $700 I signed a few papers I gave them the keys to my car I was trading in bring my credit card. The salesman even took a picture of me in front of the car with the keys. Yesterday my... Read more »

Timothy Denison
Timothy Denison answered on Nov 18, 2020

You need to hire a lawyer to file suit against everyone for your car and deposit.

1 Answer | Asked in Consumer Law and Civil Litigation for Kentucky on
Q: Counter sue?? I like the sounds of that!!! What are my grounds?

In response to “You need to hire an attorney.....” answer to my question involving summons 6.5 years later

Timothy Denison
Timothy Denison answered on Oct 31, 2020

Your causes of action are fraud and conversion.

1 Answer | Asked in Consumer Law, Real Estate Law and Collections for Kentucky on
Q: My taxes were bought by a 3rd party. I've mailed payment in full, they've failed to pick it up for weeks. What do I do?

Debt collector requires money orders. Payment has been waiting for them at usps for 15 days. USPS supervisor confirms that my money orders are there. The debt collector's office has been notified and I have contacted them to inquire why it hasn't been picked up with no concrete answer.... Read more »

Timothy Denison
Timothy Denison answered on Oct 7, 2020

Not much you can do except wait for them to cash and release liens. Any other action on your part at this juncture would be too costly and premature.

1 Answer | Asked in Consumer Law for Kentucky on
Q: What kind of legal actions i gotta take to obtain a car title or get my money back if car seller can't give me my title?

State Auto Sales in Bowling Green , KY sold me a car for $3500 and it' been 7 months a they've been dodging my calls almost everyday

Timothy Denison
Timothy Denison answered on Sep 27, 2020

File a lawsuit alleging fraud against the car lot.

1 Answer | Asked in Consumer Law and Lemon Law for Kentucky on
Q: My son was sold a car with a rusted frame
Timothy Denison
Timothy Denison answered on Sep 24, 2020

What is your question?

1 Answer | Asked in Consumer Law, Traffic Tickets and Civil Rights for Kentucky on
Q: I had to leave my car at a park bc it wouldn't start. When I returned for it the next day it had been towed

FYI, the lot is never full and no signs about will be towed etc. Everything I owned is in there. I am homeless and literally left with my purse, now the only possession I have. Nothing will be released until fees paid. What can I do?

Timothy Denison
Timothy Denison answered on Sep 21, 2020

You’ll need to find someone to lend you the money to get the car. You can deal with the other repercussions after you retrieve the car.

2 Answers | Asked in Consumer Law for Kentucky on
Q: is it legal to sell me a used car without telling me the title was branded for odometer rollback?

i purchased the car 3 weeks ago, the title was branded in 2016 in indiana, i bought the car in kentucky.

Timothy Denison
Timothy Denison answered on Aug 25, 2020

No, it a type of consumer fraud.

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1 Answer | Asked in Consumer Law for Kentucky on
Q: if you're not accepting ‘legal tender’ in the United States, the debt is considered paid with no legal recourse.

Is this statement true or false?

Timothy Denison
Timothy Denison answered on Aug 11, 2020

False.

1 Answer | Asked in Banking, Consumer Law, Contracts and Identity Theft for Kentucky on
Q: Is it illegal for a loan company to accidentally share your personal information with another person?

I had a personal loan, I paid it off in March or April. The loan company sent me the wrong persons original loan Note Agreement. Like I have someone else's original signature documents. Has personal info on it... I called the loan company to let them know and asked if my info was sent to the... Read more »

Timothy Denison
Timothy Denison answered on Jun 17, 2020

No, not if it was accidental!!!

1 Answer | Asked in Consumer Law for Kentucky on
Q: can i hold a self storage unit co. responsible if they advertise 24 hr survelence and gave me false information .
Timothy Denison
Timothy Denison answered on Jun 11, 2020

If you can prove that claim and you suffered damage because of it, yes.

1 Answer | Asked in Consumer Law, Contracts and Criminal Law for Kentucky on
Q: Looking for a lawyer to help recover goods stolen by a fulfilment company in Kentucky.

To add to this, the fulfilment company is Ruby Has and they have taken over EasyPost's customers. I'm looking for a lawyer to help with a class action against Ruby Has and possibly EasyPost.

Timothy Denison
Timothy Denison answered on May 19, 2020

Take a criminal complaint against them I. The county where they were stolen.

1 Answer | Asked in Consumer Law and Education Law for Kentucky on
Q: I am educator that created an educational program and all materials by myself. How do I go about protecting my rights?

I have a question on my next step to take. I am educator that has created an educational program and all materials by myself. How do I go about protecting my rights, as I am beginning to see my students' parents utilizing my work in their programs and classrooms without asking for permission... Read more »

Timothy Denison
Timothy Denison answered on May 16, 2020

Hire a patent attorney to discuss copyrighting your work.

1 Answer | Asked in Banking, Consumer Law and Identity Theft for Kentucky on
Q: Can I get in trouble if someone willingly gives their bank information to me but now wants the money back?

They gave me their bank information over messages so I could pay off my credit cards but is now wanting the money back or he’s taking legal action

Timothy Denison
Timothy Denison answered on Mar 4, 2020

Depends on whether it was a gift or a loan. Gift....no. Loan.....they can take legal action.

1 Answer | Asked in Consumer Law for Kentucky on
Q: if i bought a car from a dealership with no warranty and the transmission goes out in 10 days do they have to fix it?
Timothy Denison
Timothy Denison answered on Feb 15, 2020

Probably, depending on the sales contract. It still has an implied warranty of fitness for a particular purpose.

1 Answer | Asked in Consumer Law, Contracts, Estate Planning and Business Law for Kentucky on
Q: My husband passed and my name was not on title of car however I am his wife and payments are made t&ey repossessed

Anything I can #o

Timothy Denison
Timothy Denison answered on Feb 8, 2020

You may have a claim for wrongful repossession and damages if the loan was not in default. Consult a debtors rights lawyer.

1 Answer | Asked in Consumer Law for Kentucky on
Q: If i am being sued for a defaulted loan but offered up the collateral used to secure the loan and they refused
Timothy Denison
Timothy Denison answered on Jan 27, 2020

If they accepted, they would sell it and you’d still be liable for the deficiency balance. Consult a bankruptcy attorney and see what your options are.

1 Answer | Asked in Consumer Law for Kentucky on
Q: What can i do?

I rent a tv PlayStation 4 combo and a laptop from Aarons. I have 3 payments left for both. I pay every month on time. This month i did not pay the laptop because i lost my wallet with my debit card in it and could not access my money. I made them aware of this. About a week later they show up at my... Read more »

Timothy Denison
Timothy Denison answered on Jan 25, 2020

Once you get your replacement card, pay everything up to date and pay off thes debts as quickly as you can.

1 Answer | Asked in Business Law and Consumer Law for Kentucky on
Q: I would like to publish a certain type of ad for my website, but I want to know if it falls under false advertisement.

I sell magnetic therapy bracelets online. They are not proven to have any benefits with studies, but I want to run an ad that has a picture of a bracelet and also a before/after of a woman who lost weight. Does this fall under false advertisement and can I get sued.

Nowhere in my website or... Read more »

Timothy Denison
Timothy Denison answered on Jan 16, 2020

If you are going to run the ad, you should put the disclaimer on the ad that you set out above. That should protect you from any claims of fraud.

1 Answer | Asked in Consumer Law and Criminal Law for Kentucky on
Q: What is the statue of limitations on suing car dealer for fraud?

I unknowingly bought a flooded vehicle from a dealer. The dealers wife is a notary and he forged his wife’s signature on some of the paperwork. Is he aloud to sign his wife’s name to notarize the paperwork?

I’ve been actively trying to find someone to help me for a year now. Hiring a... Read more »

Timothy Denison
Timothy Denison answered on Dec 14, 2019

Statute of limitations is either 2 or 5 years, depending on which statute you proceed under.

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