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Kentucky Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law for Kentucky on
Q: Is 159.46 % interest rate legal in Kentucky for a personal loan
Timothy Denison
Timothy Denison
answered on Jul 27, 2019

Absolutely.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is all online loans illegal in Kentucky
Timothy Denison
Timothy Denison
answered on Jul 26, 2019

No.

1 Answer | Asked in Consumer Law and Health Care Law for Kentucky on
Q: A hospital over charged me for lab work and won't send a refund or return my calls. What can I do?

I was given the option to pay for lab work at the time of service on two occasions. The hospital employee told me she would calculate my portion of the bill based on my insurance provider. She did not account for the significant discount agreement between the hospital and my insurance company, and... View More

Timothy Denison
Timothy Denison
answered on Jul 18, 2019

Sue them in small claims court.

1 Answer | Asked in Consumer Law for Kentucky on
Q: My husband bought the vehicle for me 3 weeks ago. On the trip home the vehicle stopped and would not move.

We called the dealership and they came to tow it back to look at it. They kept it over that weekend. That Monday they said everything checked out good and we picked it up. On 05/15/3019, the check engine light came on coding as the transmission was going out and it would cost approx. $4000. I do... View More

Timothy Denison
Timothy Denison
answered on May 17, 2019

Your rights depend largely on the contract you signed for the car. Get the contract and get to a competent lawyer who can review all the circumstances for you.

1 Answer | Asked in Civil Litigation, Consumer Law and Lemon Law for Kentucky on
Q: I need to talk to someone about false advertising laws

Bought a car on the 25th for 1800, ad said mechanically sound, perfect condition safe and dependable. The 27th had to replace battery, car was running on alternator, 30th took car to friend and there was a broken spring, bad struts, had to replace those. Ad said perfect ac and heat, on the 30th the... View More

Timothy Denison
Timothy Denison
answered on May 2, 2019

Consult a local attorney about a fraud claim against the seller.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can someone record your conversation with someone in another persons house?

My wife's father has his house bugged and recorded others conversations without him being in the conversation without them knowing

Timothy Denison
Timothy Denison
answered on Apr 19, 2019

If he was not in the conversation, it is probably illegal.

2 Answers | Asked in Arbitration / Mediation Law, Consumer Law and Small Claims for Kentucky on
Q: Should I accept a $2k settlement or proceed to arbitration in a substandard bathroom remodel complaint against Lowe’s?

I purchased products and contracted with Lowe’s to remodel 2 bathrooms. I signed a contract that stated the length of the project was “TBD” and was verbally told 4-5 weeks. The contractor was unprofessional and did substandard work and I asked that he be removed from the job after 8 weeks.... View More

Timothy Denison
Timothy Denison
answered on Mar 17, 2019

If you have all your proof together, I’d arbitrate.

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1 Answer | Asked in Consumer Law, Business Law and Civil Rights for Kentucky on
Q: about harassment in 2016 that im still effected by today.

Back in 2016 my mother had got tires/rims from a shop in KY and she was 1 month behind on her payment and they back then had called me over 100 times on my phone, no lie. They would call and re dial to the point i could not call out and they did this for hours. Now when the phone rings i get sick... View More

Timothy Denison
Timothy Denison
answered on Feb 23, 2019

You would need the records of the calls or some sort of proof that the calls were actually made. The statute of limitations may have also run.

1 Answer | Asked in Consumer Law, Lemon Law and Small Claims for Kentucky on
Q: I unknowingly purchased a vehicle that was in a flood. Can I legally do anything about it?

Kinda long story,I’ll try 2 shorten it best I can.

(2 vehicles )I purchased a used vehicle from a small town dealer and he told me that all the car needed was a wheel alignment and it would be fixed(on Sat.) the following Mon. I took the car to 2 different certified alignment places and... View More

Timothy Denison
Timothy Denison
answered on Jan 29, 2019

You need to hire s lawyer and sue him for fraud. That’s a double scam.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Is it possible for an atty to fight to have benefits turned back on and a law suit too?

I was injured at work and filed the papers for Worker's Comp. They paid me my benefits up until I had surgery, which by mistake, Medicare paid. They stopped my benefits because my doctor did a whole knee replacement because they said I should of had a repair, not a whole knee replacement,... View More

Timothy Denison
Timothy Denison
answered on Jan 27, 2019

Theoretically, he can do both IF the need arises, although you may be able to resolve it simply by reopening your case.

1 Answer | Asked in Consumer Law for Kentucky on
Q: is there a law in kentucky that if you get teeth cleaned every 6 months you are required to let the denist check them
Timothy Denison
Timothy Denison
answered on Jan 16, 2019

Yes. The dentist always checks your teeth and the work of the Del htgienist every time your teeth are cleaned, whether it is monthly, quarterly or semi-annually.

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: Would any part of KRS 355 apply to private party used car sales?

I purchased a car for my daughter. Seller wasn’t truthful about the details of the car. May take it to small claims but wanted to know if any portion of KRS 355 pertains to private party sales of goods? Or does it just pertain to commercial merchants? Thanks

Timothy Denison
Timothy Denison
answered on Oct 7, 2018

Possibly, but you would be far better off utilizing KRS 367 Consumer Protection Act, which allows you to recover damages and attorney fees for fraud.

1 Answer | Asked in Consumer Law and Small Claims for Kentucky on
Q: What to do if i was lied to and sold a vehicle with no title.

I bought a car from a guy and had a temp tag. I was supposed to have a title within a week or so but never got it. The tag expired and he issued another one. Another month and now i can never reach him. I called the dmv but was told there is a title but it has a lien on it. Then i find out where... View More

Timothy Denison
Timothy Denison
answered on Oct 7, 2018

Sue everyone involved for Consumer Fraud and hold them sccountsble.

1 Answer | Asked in Consumer Law, Civil Litigation and Contracts for Kentucky on
Q: If me and a lady made a deal if she got a car in her name I paid payment can I sue her for my lost money in the car

Me and a lady was dating my credit was not too good I needed a car so she put it in her name and I have been in poession of the car for over a year as well as made al payments and repairs and upgrades so can I sue her to get my money back since she took the car from me

Timothy Denison
Timothy Denison
answered on Sep 19, 2018

Yes. You can sue her to determine her rights, your rights, who gets the car and eho pays what.

1 Answer | Asked in Consumer Law for Kentucky on
Q: my uncle was sentenced to seven years for heroin distribution, in 1984. Can he still get green card from his mom?

my uncle was sentenced to seven years for heroin distribution, in 1984. Can he still get green card from his mom?

Timothy Denison
Timothy Denison
answered on Aug 11, 2018

Probably not. You need to get him to an immigration lawyer and determine his status to fully answer the question!

1 Answer | Asked in Criminal Law, Consumer Law and Civil Litigation for Kentucky on
Q: Can I sue or press charges against a mechanic who had my SUV 6 1/2 months plus $1600 and didn't fix it?

what kind of an attorney would I need? I want to talk to some one in person. We have texts. He will not produce any receipts for the money, we had it taken some where else and had it fixed. Cost $2050.

Timothy Denison
Timothy Denison
answered on Jul 21, 2018

Yes. Civil attorney.

1 Answer | Asked in Consumer Law for Kentucky on
Q: Can a utility company be liable for knocking down a wall while dropping off a waste container being rented from them .
Timothy Denison
Timothy Denison
answered on Jun 19, 2018

Yes, if they were negligent in knocking down the wall.

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Kentucky on
Q: can a life insurance co. that is bought out by another co. raise the rates when rates are never to go up?

When policy was bought the rates were never to go up. The original company was bought out and then that company was bought out. And each buy out the rates were increase. Is this ok for those insurance company's to do?

Timothy Denison
Timothy Denison
answered on Jun 19, 2018

To properly answer, one would need to see your policy of insurance, but the answer is likely no.

1 Answer | Asked in Banking, Civil Litigation, Criminal Law and Consumer Law for Kentucky on
Q: Is a check that was agreed to be held that gets cashed by a business and returned as NSF a civil or criminal matter?

We wrote a check on march 9th at a car lot in Ky for a down payment that the manager agreed to hold until we got our tax refund. Their finance department wasnt told to hold the check and it went to the bank over that weekend and was subsequently returned as non sufficient funds, they were supposed... View More

Timothy Denison
Timothy Denison
answered on May 1, 2018

The Lexington attorney is correct. If they agreed to hold it ( knowing the funds weren’t there and wouldn’t be there until later), it is a civil matter as you cannot defraud one who accepts a check knowing that the funds are not contemporaneously there.

1 Answer | Asked in Consumer Law and Animal / Dog Law for Kentucky on
Q: I bought a puppy on Saturday, it tested positive for parasites and died on Wednesday, am I entitled to refund?

They are trying to give me another puppy. I have 2 other dogs in my home,I don't want to expose them to another sick puppy. I'm I being unreasonable, this whole experience has been heartbreaking

Timothy Denison
Timothy Denison
answered on Apr 30, 2018

Very sorry for your loss. You are entitled to a refund and you do not have to take another puppy in lieu of it unless you choose to.

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