Get free answers to your Consumer Law legal questions from lawyers in your area.
I eft a call from one of the office manager at State Farm. She says my last payment didn't go through. Why? Accounting Dep[artment stating account can't be located. I have the receipt and confirmation number. And NO WAY would this automation take a bogus checking number because if you... View More 
answered on Mar 6, 2024
A Pennsylvania attorney could advise best, but your question remains open for four weeks. You ask what type of lawyer you need. Probably one that handles insurance matters. But you might save money by handling this yourself. It has elements that might be more customer service-related than legal... View More
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answered on Dec 20, 2023
A Pennsylvania attorney could advise best, but your question remains open for two weeks. If you have proof of payment, such as banking records, present it to them. You could ask them to rectify the error. If this is not productive, you could consult with a local attorney to outline your options.... View More
I'm being sued in Pennsylvania for 16000 dollars and I read that the maximum amount you can sue for in the court of common pleas is 12000
answered on Nov 7, 2023
You may be thinking of the Magisterial or Municipal courts. The jurisdictional limit in the Magistrates and Municipal Courts (small claims divisions) in Pennsylvania is $12,000, including attorney's fees. (It does not include post-filing interest and court costs.) If the case is over $12,000,... View More
A fortune 500 company charged me almost $800.00 for a cell phone I had returned almost a year ago. Apparently, the store manager who I gave my cell phone to, either sent it to the wrong location or did not follow the proper procedure to return my phone to the warehouse.
I have since been... View More
answered on Sep 14, 2023
While I doubt an attorney would handle a small consumer claim on a pro bono basis, my first question would be how do you calculate $20,000 in compensatory damages based on what happened? Is the fair market value of the missing phone $20,000? Was there some sort of trade secret saved in electronic... View More
I signed a contract with a contractor to do clean-up work in my apartment. The contract was not on paper. Instead it was displayed on his small electronic tablet. I signed on the electronic tablet signature page. Later, I found out there was a second page of contract terms that came AFTER the... View More
answered on Aug 27, 2023
It is unlikely you will find any such law. There is no requirement that the signature page be last. In many common contracts, the signature block is on the front and the terms & conditions are on the back.
I'm trying to buy a car and I have no credit due to being incarcerated most of my adult life
answered on May 10, 2023
No. You can pay cash if you choose, or pay with a credit card, etc.
Most lenders who provide financing for traditional car loans, however, will require a down payment as a condition of making a loan. That is both typical and legal.
My wife received an oral deposition saying that she is to appear and testify "in aid of execution concerning all of her income, assets and property, including personal property, which may be subject to execution in satisfaction of the judgment obtained by Plaintiff against [her] in the... View More
answered on May 10, 2023
It is possible that a creditor sued your wife on a debt, and, for whatever reason, she was never properly served. This might happen, for example, if the creditor cannot find the defendant and obtains permission for alternate service by mail or publication. If there is no response, the creditor... View More
Hello-
I have a question for Patent 5931468--This was issued Filed: April 3, 1998 Date of Patent: August 3, 1999
There is a re-issue under RE-38666 Filing or 371 (c) date 08/03/2001 with a status Patented Case 11/18/2004 .
Is either one of these still active?
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answered on May 5, 2023
According to the United States Patent and Trademark Office (USPTO), the original patent 5931468 expired on August 3, 2016, 20 years after the filing date. The reissued patent RE-38666 was also granted for a term of 20 years from the filing date of the original patent, which would have expired on... View More
I received an indebtness letter from DFAS dated March 21, 2023 for a debt incurred in 2009. This is the first I have been nitifed about it. They want installments beginning within 30 days. This indebtness is over 14 years old. Is it passed some sort of statute of limitations or expiration at this... View More
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answered on May 2, 2023
In general, debts do have a statute of limitations after which they cannot be legally collected. However, the statute of limitations for debt collection can vary depending on the type of debt and the state where the debt was incurred. It's important to review the laws in your specific state... View More
I called and they said that I owed money to Wells Fargo regarding an account at Wachovia 30 years ago, I think. They said that they could take me to court so what once was $300 of outstanding debt, give or take, is now $4000 with penalties and fees and lawyers fees. But they will settle for $1200.... View More
answered on Oct 31, 2022
It sounds like a scam. I'd ignore it. If its a scam, there is no lawsuit and never will be. Moreover you have to be served with the complaint and summons by someone authorized by Pennsylvania law to do so. Relax and enjoy Halloween night.
Just curious if I sign the LLC over will that transfer the debt to that person as well or will I still be responsible. The LLC is almost 3 years old and has not shown a profit. I want to claim bankruptcy but someone else wants to take on the ownership and debt but not pay me anything... I would... View More
answered on Sep 20, 2022
As a general rule, the debt belongs to the entity, not you, so you (personally) would not be liable for the debt. In this case, you could just walk away. HOWEVER, there may be other issues that might prevent you from doing this. If you signed a personal guarantee, then you would be still liable for... View More
Does this violate the FDCPA
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answered on Aug 28, 2022
They are telling you that they are accepting your verbal request for verification of debt. Within that 30 days they will likely mail you a copy of verification of debt. After they provide you with the required information they may or may not give you a follow-up call. They may start litigation... View More
And what is subject matter jurisdiction ? Thank you I’m advance for answering this for me?
answered on Aug 2, 2022
A Pennsylvania attorney could probably advise best, but your question remains open for two weeks. In the most basic sense, a plausible claim is one that is valid. The claim holds legal merit. It could also refer to a claim's ability to withstand a motion to dismiss. Subject matter jurisdiction... View More
I’ve never received a notice from this collector or the original biller, I’ve disputed them on my credit and had them removed. They return to my report the next month as a new account. This has happened for 15 accounts now from the same single visit to original biller over four years ago. Is... View More
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answered on May 31, 2022
You should contact a local consumer credit attorney to review your credit report and the information you have on the account being reported. An unpaid account can remain on your credit report for 7 years. If you dispute the account and they validate it with the credit reporting agency it will... View More
I have a pet policy with lemonade insurance company. I filed a claim for emergency services after my dog needed treatment. The company is only covering part of the cost. They are supposed to cover 90% of the cost minus the annual deductible. They are only covering about 50% of the costs and acting... View More
answered on Apr 28, 2022
Given the facts you presented, you may have bad faith, breach of contract, and other claims. Damages for insurance bad faith can include actual damages, interest on the damages, punitive damages, attorney's fees, etc. Therefore, you should undoubtedly ask an attorney to review the policy,... View More
My daughter is paying off a car loan that is in someone else’s name. The other person said they will sign over the title once the loan is paid and they receive the title. I don’t want her to pay off the loan and the other person get the title and not transfer to her. They then will have a free... View More
answered on Jan 13, 2022
She needs to have the other person sign the car over to her, and she pays for her own car. The best way is for her to buy the car loan, as it were, by getting a loan in her name. Yes, a document that is under seal is binding, but the wording would have to be clear and even then if the person... View More
Be considered mail tampering. I have received the letter 1444c three times to my forwarded address but they returned the payment for the notice three times they know what they are doing and I want to know if I could perhaps file a complaint against that post office or whoever is in charge ect.
answered on Oct 14, 2021
No. They are not supposed to forward certain things. You need to be sure that the IRS and the government have your proper address. Discuss this with your Congressperson--they have information on how you can get your payments.
They found us "temporary" apartments, twice, and they swore that this money they took from us was going into a down payment for the house we purchase. I have ALL the emails and texts messages with the bull they put us through and all the lies they told. I don't have any of the phone... View More
answered on Sep 28, 2021
Contact the Attorney General's Office of Consumer Affairs. You would also have an action in fraud against the company.
I tried to cancel it but could not contact anyone and they did not respond to my emails other than to say all sales are final. The credit card ruled in their favor. I thought in pa. you had 3 days to cancel a purchase.... View More
answered on Jul 1, 2021
You are thinking of the Home Solititation Sales Act. That hasn't kept pace with the times.
Will give more details later. Checking to see if this site asks for CC
answered on Jun 17, 2021
If you decide to give an inkling as to your question, do mention what you mean by RCA--the initials have many meanings.
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