Get free answers to your Consumer Law legal questions from lawyers in your area.
I had a tax lien on my property, and the lien holder sent me a notice to pay within 30 days to avoid foreclosure. I paid before the deadline and have proof of the payment date, but the lien holder charged me a foreclosure fee anyway, which was added to the redemption amount at the tax office. The... View More 
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answered on Mar 4, 2025
No! That is not a valid charge. You need to consult an experienced mortgage foreclosure defense attorney and have the entire loan record. Good luck.
I encountered a fast food restaurant in New Jersey that has a sign stating they do not accept bills higher than $50. Does NJ Section 56:8-2.33, which requires businesses to accept cash payments, allow them to refuse specific denominations such as $100 bills?
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answered on Feb 22, 2025
Any store can legally limit the denomination of the currency it will accept for payment. It is common especially at fast food restaurants to not accept bills larger than $50.00. This is done to cut down on fraud.
Customer Service from CHASE says that people are using my card and APPLE PAY. I don't have any Apple Pay and have never given permission to anyone to use my VISA. In August, September, and now October, there are constant fraudulent charges on my VISA. Chase has already changed my card twice... View More
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answered on Oct 11, 2024
It sounds incredibly frustrating to deal with these ongoing fraudulent charges, especially when you’ve already taken steps like changing your card and contacting Chase multiple times. The fact that the charges continue despite these efforts is a major concern. Since your checking account has been... View More
I SUFFERED A FRACTURED RIGHT ANKLE IN MY KITCHEN WHILE AT THE HOSPITAL ( EAST ORANGE GENERAL ) AND THE PERSON CARING FOR ME HE AND HIS GF WERE FIGHTING OVER ME WHILE HE WAS CARING FOR ME. SO I REPRIMANDED THE TWO OF THEM AND SHE PUT A LIE IN MY REPORT AND NOW NO LAWYER WILL TAKE MY CASE I HAVE... View More
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answered on Sep 27, 2024
I'm sorry you're going through this—it sounds incredibly frustrating and unfair. When it comes to racial profiling, you may have grounds for a lawsuit if you can prove that Wells Fargo discriminated against you based on your race. You can consider filing a complaint with the New Jersey... View More
I am looking to what I can do to recoup losses. He does not have a license to trade other peoples money. I told him he could. I told him what I did not want to hold within the account and he would not sell them. I was not monitoring the account as I was at work. He told me to trust him multiple... View More
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answered on Sep 18, 2024
You allowed him to do it, so who are you going to take legal action against? Any Court would treat this case as a he said -she said and it will almost certainly be a useless exercise. Good luck.
So many restaurants claim they are selling wings when they are in facts selling wings cut into 2 counting them as an individual wing. tA wing is a drum and a flat TOGETHER not separatley
answered on Sep 16, 2024
A consumer protection attorney could advise best, but your question remains open for three weeks. Many law firms could be reluctant to handle such a lawsuit. But you reach out to firms to discuss - some might see things differently. Good luck
Story:
The school requirements for admission is to complete prerequisites and have a bachelor degree with a cumulative gpa of 3.0 in all undergraduate coursework. This requirement is written on their website.
My transcript inserted two credentials of all my undergraduate... View More
answered on Sep 8, 2024
You could reach out to attorneys who handle such cases to discuss. However, keep in mind that in this type of matter, if a law firm handles in on an hourly basis instead of a contingency basis, that could mean legal fees - win or lose. The first thing to learn from law firms that handle such matter... View More
So I recently had my chapter 13 dismissed. I no longer needed the automatic stay for my apartment. My landlord had been receiving nj rental assistance without my knowledge. When I found out she was getting double rent, I stopped. I was given a STUDENT(yet to even take the bar) who wasn’t doing... View More
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answered on Jul 18, 2024
When your Chapter 13 bankruptcy is dismissed, creditors can resume their collection efforts, which includes reporting debts to credit bureaus. However, the seven-year statute for negative items on your credit report should start from the date of the original delinquency, not the date they reappear.... View More
I filed it on my taxes as income. Now that they car has been totaled in an accident, they refuse to release the title because of this $1000 in late charges. Per GM rep there is interest on late charges. I never heard of this. If they charged it off and I had to claim as income, why do I have to pay... View More
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answered on Sep 7, 2023
You are going to need to retain an experienced civil litigation attorney. You can expect to pay an attorney for 1/2 to one hour of attorney time to review the documents and explain your options.
These CC accounts are approx. 2-3 years old and unfortunately, due to business challenges, I am considering closing down the business. I personally guaranteed these business CC. The business has been experiencing financial instability for a while now, and it has become increasingly difficult to... View More
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answered on Aug 29, 2023
If you are in CA, why are you asking for NJ? The State you live in determines where you would file bankruptcy if that is appropriate. Whether you will have to file both a business and personal attorney cannot be determined on these facts. Pick the best attorney you can find and remember one rule:... View More
Now they want the money owed for their error. Who is held liable for this.
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answered on Aug 24, 2023
You are not responsible for this and I would not pay them a cent more than the contract calls for. If they are stupid enough to sue you, it will not end well for them. Pick the best attorney you can find and remember one rule: a good attorney is generally never cheap, and a cheap attorney is... View More
Hello I talked to a solar company over a year ago and never went through with a project. I just had the guy come out for the estimate. Project was canceled with no work done that was over 8 months ago. A couple weeks ago I get a letter in the mail to make first payment on a $38,000 loan they took... View More
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answered on Aug 24, 2023
Your situation can be resolved by an experienced civil litigation attorney. I have successfully handled a large number of these cases. This is a clear violation of the New Jersey Home Improvement Contractor Act, the New Jersey Statute of Frauds, and the New Jersey Consumer Fraud Act (which will... View More
debt is $17k. It is my debt, but thought it was included in my debt modification loan with my other credit cards
answered on Aug 16, 2023
To be frank, it strains credulity that you, and/or they, could have overlooked a $17K debt in your restructure.
And while I generally agree with my colleagues who have previously submitted answers that it's always wise to consult experienced counsel BEFORE you jump into something,... View More
is wrong with me causing me to have accident of FALL.
answered on Jul 31, 2023
I'm sorry about your fall. I hope you're okay. The denial could be any number of reasons. An attorney would need to see the paperwork to offer more definite guidance. If the denial is related to liability issues, it roughly means they don't feel their insured is responsible for your... View More
My Enterprise rental was returned July 3rd. After signing the contract, I noticed the rate was higher than in previous months ($30.40) instead of $22.50 (boyfriend is an employee). This amounts to being charged $110.60 more. What options if any, are available to recoup that money?
Location:... View More
answered on Jul 6, 2023
Yes, contracts may be invalidated or changed for a variety of reasons. For example, contracts may be subject to fraud, mistake, illegality, duress, undue influence, novation, etc. But rather than pursue a legal remedy, why not write a letter explaining what happened and see if you can resolve the... View More
My company is SaaS system provider, take care of customer's data, we have some bank customers in the US. but for saving money, we outsource database administrators, system engineers job to our China's branch, these engineers access the SaaS system and data remotely from China, is it legal?
I found a car I thought I liked at a used car lot, so I put a deposit on it with the intention of coming back the next day. When I got there I noticed some pretty bad frame rust that wasn’t mentioned in the listing online. I no longer want the car, however when I put the deposit down the dealer... View More
answered on May 28, 2023
Demand a refund of your deposit. If not returned, contact the State of NJ Consumer Fraud Division.
New jersey dealership, car broke down instantly, but dealership closed for the day
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answered on May 28, 2023
There is an insufficient amount of information to provide you with a definitive answer. However, retaining an experienced civil litigation attorney can probably rectify the problem quickly and may even be inexpensive.
I have two judgments against me .
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answered on Apr 28, 2023
The 6 years start when the debt goes into default, which is usually when one misses or makes their last payment. This does not invalidate the debt or stop the creditor from trying to collect and/or reporting it to the credit bureaus - it just prevents them from using the courts to help. Be careful... View More
much the bills came out to be. It includes medical bill, doctor bill, his whole outfit and lost wage for 1 day. But the question is that the most of the medical bill was paid off with customer's plan discount. Out of $2000, $1700 was plan discount, $300 was amount owed, and the copay was $100.... View More
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answered on Mar 11, 2023
There is no set rule for restaurants in the situation you describe. It sounds like you made a settlement with this customer in terms of a "plan discount". While it is honorable that you are taking care of the situation, there is nothing that you have described which gets you to a formal... View More
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