Get free answers to your Consumer Law legal questions from lawyers in your area.
I opened an account with Atlas Bank app six weeks ago and set up direct deposit, receiving around $1,200. When I tried to withdraw the money, they froze my account, demanding ID verification. Despite providing several images and a temporary ID, they refused to unlock my account for more than a... View More 
answered on Mar 16, 2025
Not legal unless you have some prior indebtedness to Atlas Bank. Hire a lawyer to sue them and report them to the Kentucky Banking Commission.
I'm in a situation with a "buy here pay here" dealership where they are threatening to take back my car. I am not behind on payments, but there have been ongoing issues with the car. The dealership offers a VIP package that includes repairs, but they have refused to fix the... View More
I bought a car through Facebook from someone who turned out not to be the real owner, as he had title jumped the vehicle. In writing, he promised a refund for any major mechanical issues, but now neither he nor the real owner wants the car back. The car has a slipping transmission, which... View More
answered on Mar 14, 2025
You will not face any legal issues but you should probably hire a lawyer and sue both the seller and the owner for fraud.
In March 2024, my car (a Cadillac) was illegally towed from a business parking lot in Cave City, KY, with no signs indicating no parking or tow-away zones. The towing company, Alvey's Towing, was rude and only mentioned they received a call to tow my car. They demanded my car key to return my... View More
answered on Mar 14, 2025
You will have to pay the tow fee. Otherwise, you will have to go to court.
I purchased a truck for $5,000 three weeks ago, and the seller knew the transmission was failing. Before buying, he advised me to have it inspected, claiming he would fix any issues. Upon inspection, I found out that repairing the transmission will cost $6,300, as there are metal pieces in the... View More
answered on Mar 7, 2025
I would first write to the seller asking him to repair the truck via the verbal agreement. If he fails to repair it, you can sue and with three witnesses, might give you a pretty good case.
I received a quote for an air conditioner installation from a company, with an expected cost between $5,000 to $7,000. Instead, the quote altered to an unrealistic $10,000 to $27,000, which was beyond my capability. I did not agree to this and did not sign any contract. The company claims they... View More
answered on Feb 25, 2025
Don’t pay it and wait h for them to sue, then you can counterclaim for fraud and lack of authorization to install.
My car was totaled in an accident caused by another driver, and it had two lienholders on the title. The first lienholder was paid by the other driver's insurance company, but instead of paying the secondary lienholder, the insurance company sent the money directly to me. I used the funds to... View More
answered on Feb 17, 2025
Contact the second lienholder and see if continued payments are acceptable. In any event, you are solely liable to the second lienholder as you used their secured funds to purchase the new automobile.
I have no personal property a ca I am making payments on
They sold off her loan to another company within 30 days of ownership this is a buy here pay here lot her engine is now seized due to water in the radiatior froze up they armor all the engine bay and whole car. This was not disclosed at the time of sale is there anything that can be done for this?
answered on Jan 10, 2025
You could potentially sue them for breach of contract and warranty unless it was purchased “asis.”
The receipt emailed does not show it as a separate line item.
Am I responsible to pay her bill as her husband?
Can the collection agency come after her assets like her car that is paid off
answered on Jan 9, 2025
No. You are not responsible for paying her bill. Yes. If they get a judgment against her, they can come after assets listed in her name.
My car has a coolant intrusion, the 21n12 customer satisfaction program is a one time free fix the for the intrusion wirh stipulations from what I understand are manufactured at the Louisville plant under 80'000 miles. The local dealers couldn't understand why my car wasn't covered.... View More
answered on Dec 17, 2024
Are you having coolant intrusion issues with your vehicle? If so, you may have a remedy. Your narrative doesnt indicate whether your vehicle is actually and currently affected or not.
answered on Nov 26, 2024
Yes, although you may have a claim for the improvements you e made to the property.
I bought the materials with my credit card to protect myself. I asked if any returns if it would go back on my card and was told yes. Then asked if I would be told of any exchanges and was told yes. I would find out 90 days after and unauthorized return and the refund was put on his card that it... View More
answered on Nov 25, 2024
Take the charge and the proof to the seller in person and demand that they reverse the charge and give you the credit back. It’s their mistake, not yours.
Can a used car dealer legally hold the title of a car I have purchased ?
My husband bought a used car in May 2024. He paid cash for most of it with a $2500 balance left owed. Verbal agreement with dealer to pay it off ASAP. My husband became quite ill a month later and was hospitalized for... View More
answered on Oct 26, 2024
You need to hire an attorney and file suit against the car dealer for fraud under the Kentucky Consumer Protection Act.
Hello I had a debt collector call me to make payments. They told me original creditor may settle later. I called original creditor they no longer own it.
answered on Oct 6, 2024
Yes. You might consider counterclaiming for fraud if they file suit.
The the thief deposited my money directly to his account while I was incarcerated cash app is denying dispute and not investigating I don't know what to do
I know the people that work there are supposed to do checks ever so often they didn't do so or they would have seen him brain dead he laid there so long
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answered on Jul 27, 2024
I understand how devastating this situation must be for you. If you believe that the Department of Corrections staff at The Brady Center were negligent in their duty to perform regular checks, leading to your fiancé's death, you might have grounds to file a legal action. It’s important to... View More
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answered on Jul 18, 2024
I'm sorry to hear about your situation with Jones International University. Since the school closed in 2015, you may be eligible for a closed school discharge of your federal student loans. This discharge is available if you were unable to complete your program because the school closed.... View More
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