It is a case in California state court involving alleged violations of of a federal law, the Fair and Accurate Credit Transactions Act (FACTA). FACTA was enacted to address the problem of identify theft by putting certain protections into place. Specifically, FACTA prohibits the printing of more...Read more »
Maybe you’d be better off changing banks. It is difficult to ascertain what legal issue or question you are having, or even what the situation is that you are trying to describe, but it seems more like a misunderstanding between you and the bank’s procedures.
Unless you are in the arrears on your mortgage, your home will not be effected by filing bankruptcy. Prior to filing bankruptcy however, it is essential that you speak with an attorney to ensure you are able to adequately protect any equity in your home from creditors. In Maryland, homeowners are...Read more »
Assuming the 3 year SOL applies to your debt, the 3 years starts to run from the later of: date you first breached the agreement to pay (defaulted); the date you last made a payment on the debt; or the date you last acknowledged that you owed the debt. Suit must be filed before the SOL expires to...Read more »
No more than 15% of social security income may be garnished at a time from all creditors who are legally allowed to garnish such income. So, that’s the limit. Both past due federal taxes and federal student loans can be collected in this way. Both debts are possible to be discharged in...Read more »
It may depend on where the loan was made. If it was legal where made, it may be legal to enforce in MD. If the loan was made here in MD, or solicited here in MD, then the lender is required to be licensed in MD for many types of consumer loans, and the loan is subject to MD laws.
Hi! So I live in Baltimore city. I park in a parking garage everyday. The garage is run by a larger company located in DC. I have used this garage for over 6 years. Their online payment system is terrible and outdated. I called them to set up automatic payments (for my sanity) they told me to go... Read more »
If you agreed to pay a certain amount per month, or per use, and you have never paid—regardless of whose fault it was—you still owe the money. If they are charging late fees, you might have an argument about that, but you must pay the cost of the parking you agreed to pay.
We had worked with this company, and thought we they were giving us a refund we didn't know about. They called a month later, saying they wrote the check to the wrong people. It was intended for a couple with the same last name. Am I obligated to give the money back for their mistake?
A Theripist is claiming I have to pay with my credit card by today by phone or she is sending to collection but will only give me invoice after I pay? She just txt dollar amount? She is real I met her 4 sessions. She is going about this unprofessional one days notice threatening to send to... Read more »
I am a former LuLaRoe (a clothing company) consultant who cancelled my contract with the company back in September of last year. During this time, they were offering a 100% refund of inventory sent back with their provided shipping labels. They received my inventory on September 15, 2017. I have... Read more »
I received an email from a representative of a county run program stating the selling price of a home that want to purchase. It has the amount stated in the email. the person stated that she will check with the executive officer to get the amount. She sent me an email back a few days later with the... Read more »
No. In order to make a binding contract, there must be both an offer and an acceptance of the offer, plus an understanding of all material terms of the agreement. You never accepted the offer of sale and closed the deal. In real estate, prices increase or decrease over time. You never locked in the...Read more »
We have a copy of the check including the back showing that it was deposited not by the invoicing company but by a company that shares the same registered agent and address as the utility company that invoiced us. The notice states that we must file an action in circuit court to determine whether... Read more »
It is generally a bad idea to deal directly with the other side's lawyer as the opposing client. It is this setting that causes more incidents of laypeople believing that lawyers are dishonest. All ethical lawyers in that setting are bound, and will, tell you the truth from their clients'...Read more »
You may have a breach of contract claim. Would depend on the terms of the sale. But typically in an arms-length transaction you have the responsibility to inspect the goods prior to purchase. Consult local counsel.
Maryland law does not protect a house from claims of the owner's creditors. Generally speaking a house and most other assets are "up for grabs" by a judgment creditor. The law offers a very limited exemption of about $6,000 from collection but such exemption is not automatic. If...Read more »
Your mother would benefit from some legal advice. Generally it is difficult to recapture funds once they are taken. A judgment creditor has various enforcement rights and they include the right to seize assets belonging to the person who owes the judgment. These include the right to get a...Read more »
If someone borrowed money for a car and put up the car as collateral then the lender may have rights to repossess the car, wherever located, and it is unlikely that keeping a vehicle at a college campus will keep it out of the grasp of repossession. The limits of what a repossessor can do without...Read more »
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.