Get free answers to your Consumer Law legal questions from lawyers in your area.
I'm frustrated with a daycare's policy of charging a full monthly fee even when they are closed for holidays, spring break, Christmas break, random "professional development" days, and a three-week summer break. In December, for example, they are only open for two weeks, which... View More 
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answered on Apr 4, 2025
Typically this will be spelled out in any contract you have with the daycare, so my first suggestion to you is to look there. If the contract says they do not charge for those days but they are charging (or have charged) you, you have a basis to complain and perhaps even get any monies paid in... View More
I am considering signing a settlement agreement with a mechanic company after claiming damages caused during a service repair on my vehicle. The mechanic misplaced the jack stand, which resulted in the door needing replacement. Based on the evidence I submitted and a final demand for payment, I... View More
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answered on Mar 24, 2025
Signing an agreement that voids any warranty could cause you to lose any rights you may have otherwise have had under Oregon law. I am not sure what the jack stand and door incident has to do with the work on the axle or the rationale for voiding the warranty, but I would question why that is. They... View More
engaged in a pattern of deceptive practices, including misrepresentation of terms, mishandling of payments, and wrongful fees that culminated in significant financial harm and distress.
• Claims Against Defendant:
• Breach of Contract: Specific breaches include:
•... View More
answered on Mar 6, 2025
An Oregon attorney could advise best, but your question remains open for a month. You outline a long list of grievances, but it looks like they share a common thread of being related to individual consumer lending practices. Therefore, your question of what kind of lawyer you need could cover the... View More
I was at a car dealer 50+ miles from home to buy a car when I found out it was canceled. I drve not know I was uninsured. I was at risk legally n physically had I had an accident. They said someone called n canceled it but it wasn't me. They had the phone number. Not mine or my wife's.
answered on Aug 6, 2024
An Oregon attorney could advise best, but your question remains open for a week. Depending on how defined by the consumer laws of your state, your situation could be a privacy breach - a local attorney should advise on available remedies there. But from a practical standpoint, the standard for... View More
Can he do this even though the statue of limitations has expired?
answered on Apr 28, 2024
IF the Statute of Limitations has truly passed (likely but depends upon the details), then not only do they likely not have a case, but you may have unfair debt collection practices claims against them. Beware. A common tactic is to try to get you to pay something - even just a few dollars "to... View More
It involves the state of oregon and to celluar companies but its very clear a discrimanation case. I dont want to discuss details unless i am repersented so i dont know how to proeed it will be class action for sure once i can sit down and explain it i dont think any attorney will tell me crazy its... View More
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answered on Apr 6, 2024
In a case involving discrimination and potential damages over $10,000, it is highly recommended that you seek legal representation from an experienced attorney. While you believe the case to be straightforward, having a legal professional on your side can help ensure your rights are protected and... View More
i had signed up for life insurance with mutual of omaha. they weren't notified I had wanted to stop the policy but the agent didn't tell them 41 days into a 45 grace period but it cost me 3 months. then during this time he signed me up for 2 other life insurance policies I wasn't... View More
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answered on Mar 22, 2024
If a life insurance agent signed you up for policies without your knowledge or authorization, this could be considered fraudulent activity. Unauthorized use of your personal and financial information to obtain commissions is illegal and unethical.
You may have grounds to sue the agent for... View More
Check engine light was on. They said it was just a misfire on one of my coils they fixed it. They charged us 800 the next day. My car left me at the dentist place with my daughter. My car wouldn’t turn on the car smell like gas and there is smoke coming out of the engine the next day they were... View More
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answered on Jan 29, 2024
In Oregon, if your car's engine failed shortly after receiving service from a dealership, you may have grounds to pursue a claim under product liability and consumer law. Initially, gathering all relevant documentation, including service records, receipts, and any communication with the... View More
The loan application to the bank. I want to take Ford and the credit union to court
. Do I have a case?
answered on Jan 18, 2024
It depends upon the exact facts but likely not. You likely DO have claims against both the daughter and the dealer if you want to pursue them. If you do pursue claims against anyone else, I would expect them to sue your daughter as part of the proceeding - and she sounds to be the biggest culprit... View More
January to May 2023: Rent payments made timely and without incident.
• June 2023: Discussions with the OCB ensured continued support.
• July 2023: Rent payment was missed due to the school’s oversight.
• August to October 2023: Rent payments resumed as per usual.... View More
answered on Nov 26, 2023
More information is needed. Was July rent ever paid? Was November rent ever paid? If all past due rent was paid within the 10 days specified in the notice, it likely is a defense to any eviction. You say the eviction process continues but they should not have even filed in court to evict until... View More
I was towed without any notice while parked in a resident-only parking lot at an apartment complex in Portland, Oregon. I was assisting a tenant who was moving out after receiving an eviction notice. There were no communications or signs about needing a parking permit or specific restrictions. The... View More
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answered on Apr 12, 2025
It seems like the towing of your vehicle may have been unlawful if proper notice wasn’t given. In Portland, Oregon, the law generally requires that a vehicle be given a 72-hour notice before being towed from a private property like an apartment complex, especially if the parking is designated for... View More
I ordered a large Sephora order for same-day delivery. The DoorDash driver mistakenly delivered 11 bags to me instead of just my order bag, including 10 bags meant for other people. I haven't opened these extra bags, which are stapled and have delivery tags with names and order numbers. The... View More
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answered on Apr 12, 2025
It seems like you received goods that weren’t meant for you, and it’s understandable to be unsure of how to handle the situation. Legally, keeping items that were mistakenly delivered could be considered theft, even if it wasn’t intentional on your part. Since the items were delivered to you... View More
I had a fire in my personal shop that the state fire marshal deemed accidental, caused by grinding sparks. The insurance company sent me a notice of reservation of rights, questioning the use of my shop for business purposes. I occasionally brought work home and did it in my shop. What should I do... View More
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answered on Apr 12, 2025
It sounds like you’re dealing with a tricky situation where the insurance company is questioning the use of your shop for business activities. The first thing you should do is carefully review your insurance policy to understand the terms related to business use of your property. Some policies... View More
In Morrow County, Oregon, my friend's large Chevy with dual tires was towed upon police request after he was pulled over for not completely stopping at a stop sign. The officer stated that the towing was meant as a punishment due to my friend having no license and no insurance. I'd like... View More
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answered on Apr 12, 2025
In Morrow County, Oregon, towing and storage fees are regulated by state law under ORS 98.859. Each county or city may establish its own maximum rates for towing and related services, considering factors such as the vehicle's size and the distance to the storage facility. However, the specific... View More
I work for a local non-profit and am trying to help a senior client who is susceptible to scams. During COVID, she was scammed into giving her personal information to someone who took out a fraudulent business loan in her name. Now, the IRS claims she owes $100,000 due to this fraud. She is living... View More
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answered on Apr 7, 2025
I'm really sorry to hear about the challenges your client is facing. It’s important to know that there are resources available to help in situations like this. Since she’s been scammed, the first thing to do is file a report with the Federal Trade Commission (FTC) at IdentityTheft.gov.... View More
I’m dealing with a difficult situation involving P.H.H Mortgage, which I was transferred to from my original VA loan provider. I had an approved loan modification, but P.H.H Mortgage claims I'm behind due to a mistaken identity on a property tax lien, which I have disproven. I’ve filed a... View More
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answered on Mar 24, 2025
Dealing with mortgage servicer errors can be incredibly frustrating, especially when you've already proven the mistake isn't yours. Since you've already filed with the CFPB, your next step might be sending a formal Qualified Written Request (QWR) under the Real Estate Settlement... View More
I’m house keeper with start time but no end time on my schedule is that legal ?I’m 39yrs old on hourly pay also being told my boss won’t ask me anything since I’m black by my supervisor in Oregon
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answered on Feb 2, 2025
Not having an end time on your schedule can be an issue, especially if it leads to uncertainty about your work hours or potential unpaid time. In Oregon, hourly workers must be paid for all hours worked, and if you're unsure when your shift ends, it could create problems with tracking your... View More
I bought a product (electric tire pump) through a website. The product was advertised as their own product and all pictures/video had no branding on their product. I received the product through Amazon (with gift receipt) . The issue is that the product was from another company, available at 1/3 of... View More
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answered on Aug 17, 2024
It is not legal for a company to sell a product as their own if they are merely reselling another company's product under false pretenses. This can be considered deceptive marketing and false advertising, which violates consumer protection laws. If they are misleading you by renaming the... View More
When the cars electrical system fried the dealership room to to the dealership and I never got it back and they went to court and I was never notified of court and now they are garnishing me for over 18 K. This was in 2014. What can I do??
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answered on Jul 31, 2024
You should start by reviewing any documentation you have from the car purchase, the repair attempts, and any communication with the dealership. This will help you understand your rights and obligations in this situation. If you don't have these documents, try to gather as much information as... View More
A few years ago, Oregon put a "vice tax" on the ballet for cigarettes to increase the tax so the cost is double what it should be. A carton that used to cost $40 now costs almost $100. This amounts to having other folks tell me what to do because that tax was, in part, supposed to... View More
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answered on Jul 28, 2024
Challenging the cigarette tax increase in Oregon would involve examining whether it violates any constitutional rights or principles. Typically, states have the authority to impose taxes for public health reasons, and courts generally uphold these taxes if they serve a legitimate government... View More
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