Get free answers to your Consumer Law legal questions from lawyers in your area.
United Legal Firm has been calling me and my ex-husband, claiming I owe money to Cash Net USA for a loan I have not paid off which has been charged off. They are threatening to sue me but have not provided any specific details about a court case. Despite their claims, I haven't received any... View More 
answered on May 15, 2025
This sounds very much like a hoax. I would not make any deal or pay any money. If they call you again, tell them you need written verification of the debt including any assignment or transfer of the debt from Cash Net USA to them or a copy of an agreement executed by Cash Net USA hiring United... View More
I did not take delivery of a car from Koncept Motors due to significant engine and other issues. I requested the cancellation of the loan within one day, and I received paperwork confirming the loan was canceled. The dealership has since closed due to lawsuits and fraudulent activities. Two years... View More
answered on May 12, 2025
Gather up all of your evidence including all of your communications with the dealership and with the bank as well as every communication denying you credit, and take it to an experienced attorney who practices in the area consumer law in or near the county where the dealership is located.
I am currently negotiating a renewal rate with my apartment complex. They agreed to a new rate in writing but stated they would only implement it if I write a 5-star review on Google. We haven't signed the renewal yet, as we haven't written the review. The request was communicated via... View More
answered on May 12, 2025
No it is not considered "blackmail." Blackmail involves the use of threats to disclose incriminating or embarassing information about someone to obtain money or property from another.
In April 2024, we purchased a home in Houston via licensed real estate agents, one of whom also acted as the listing agent. During renovations, we discovered drywall dated 2017 installed at the two-foot level, along with hidden black mold and other clear signs of undisclosed flood-related repairs.... View More
answered on May 7, 2025
You likely do not have any claim against the real estate agents. Any claim you have is against the sellers. It is likely there is no insurance covering these claims you are making against the sellers. Unless you can demonstrate that the sellers have non-exempt assets (like cash, publicly traded... View More
I took my vehicle to a mechanic who quoted me for head gasket replacement. Later, I found out they replaced my engine without my permission and charged me $3,800. There was no signed agreement, only a verbal agreement for the original repairs. I only received a receipt for the engine replacement... View More
answered on May 7, 2025
Legally, you are not required to pay for an unauthorized repair. Legally, you are required to pay for repairs you authorized. This presents a classic he-said, she-said situation. You will have to persuade a judge or jury that you are telling the truth versus the mechanic persuading a judge or... View More
I'm seeking advice on how to sue for damages in federal court for a fraud case spanning over 18 years. My previous attempt was dismissed because I couldn't serve the defendants due to lacking their information. I'm considering proceeding without a lawyer and would appreciate guidance... View More
answered on Apr 28, 2025
The answer to your question turns on what information is necessary under your particular facts and circumstances. In Texas, the statute of limitations for fraud is four years, so it appears you may have a limitations issue already. It also appears that you may not have satisfactory information... View More
I purchased a robot vacuum from TikTok, and it didn't work. The seller, upon my request for a refund, instructed me to return the product and promised I would receive the refund within 10 days. However, it's been over two months, and they now claim to be waiting for an answer from the... View More
answered on Apr 28, 2025
You can file a small claims lawsuit against the actual seller. You will need to determine the actual legal name of the seller, if the seller is registered to do business in Texas, and who the registered agent for service of process is. If the seller is not registered to do business in Texas (and... View More
Is it legal for unpaid child support to appear on my credit report? I am concerned about how this might affect my credit, and I need guidance on this situation.
answered on Apr 28, 2025
It is both legal and required. Unpaid child support can (and should) affect your credit. Child support is a "preferred" debt that takes priority over many other types of debt in the event of a priority dispute or bankruptcy. A child support lien is usually going to be satisfied first,... View More
I received a phone call stating I missed a court hearing, which was a surprise since I hadn't received any notification, possibly due to it being sent to an old address. The caller gave me a case number and an attorney's contact. When I called, it was central management telling me that a... View More
answered on Apr 23, 2025
It most likely is a scam. I recommend you contact either your own lawyer or the court directly.
It is very possible you missed a court date, especially if you moved and failed to notify your own lawyer or the court directly of your change of address. Once you have been served and... View More
I am dealing with issues related to a background search company. The phone number provided on my report doesn't exist, so I'm unable to speak with an agent. I've tried contacting them via fax and email all day without success. There are several inaccuracies in the report that I... View More
answered on Apr 16, 2025
I would contact a consumer protection attorney. You'll want to dispute the inaccurate information that is being reported by that background check company but a consumer protection attorney would likely be able to help you dispute the inaccurate information. I would recommend for you to reach... View More
I reported an issue with my washer and dryer unit being improperly installed behind a glass mirror closet in my apartment over a year ago. Initially, the apartment complex acknowledged the washer's placement caused damage but assured us we would not be charged. Despite emails that go... View More
answered on Apr 16, 2025
You should send written notification to the landlord or the landlord's representative with copies of the photos and videos. Check your lease to determine if it contains a provision specifying where and how written notice is to be sent. If your lease does not contain such a provision, send... View More
I purchased an auto warranty contract from Concord Auto Protect on November 22, 2023, which is set to expire on November 25, 2025. In 2023, I successfully used the warranty once. However, when attempting to use their services again in March 2025, both the service department and I made multiple... View More
answered on Apr 14, 2025
If you purchased the warranty in Texas and it does not contain either an arbitration clause or forum selection clause, you can sue the company here in Texas for breach of the warranty contract. Depending on what the lawsuit filed by the Pennsylvania AG alleges, there may even be a suit for a Texas... View More
In Texas, a student I know filed for Chapter 7 bankruptcy in May, and the case was closed as a discharged non-asset in September. During this period, the student withdrew early from classes, resulting in a portion of the Title IV funds being returned, leading to a debt of $4,321 owed to the... View More
answered on Apr 11, 2025
Generally speaking, even debts owed to creditors that do not receive notice are discharged in no asset cases.
The answer to your specific question will likely depend on the timing of when the debt arose. If the student withdrew after she filed her chapter 7 petition, there is a possibility... View More
I'm looking to find an attorney who works on a contingency basis to help with a breach of contract and deceptive trade practices case concerning a leased premises. For about a year, I've been living with mold and bad water. Despite my written complaints over the past 11 months, the... View More
answered on Apr 9, 2025
In the absence of significant damages, it will likely not be possible for you to locate an attorney willing to work on such a case on a contingency fee basis. You would need to show some sort of "value" to the leased premises. If it is a commercial property in a prime location with a... View More
Is it legal for a repo truck to hook up a car that is up for repossession while it is occupied? In my case, there was no interaction before the car was hooked up, as they claimed they didn't see the driver sitting in it. The repossession occurred on a public street, and no documents or proof... View More
answered on Apr 4, 2025
There is no legal prohibition on repossessing a car just because it is occupied; however, it is a traffic violation to tow a vehicle with a person inside. So, the repo company will not be issued a citation simply for hooking up the repossessed vehicle to the tow truck, but the driver could be... View More
I purchased a car in 2022, and the lender stated that insurance was included in the car note, but they have not provided proof despite multiple requests. I received a ticket for not having insurance, and the lender refuses to provide documentation. I had a written agreement and several... View More
answered on Mar 26, 2025
There are different types of insurance. The law requires the driver of a motor vehicle to carry proof of liability insurance and provide it upon request to a police officer. This is what you can get a ticket for. It would be very unusual for a lender to provide this type of insurance.... View More
I have been targeted for cyberbullying and organized harassment over the past three years. Specific individuals and groups have been identified, and I reported this to the Houston Police Department, IC3, and my previous apartment manager. The police issued a case number but said my case isn't... View More
answered on Mar 19, 2025
You theoretically can sue those responsible if the cyberbullying, harassment, and stalking satisfy the elements of a cognizable legal theory of recovery.
These tend to be very difficult cases to prove. In addition to proving the bad acts and exactly who committed them, you should... View More
About a month ago, Spectrum installed a cable for my neighbor that lies above ground across the sidewalk, causing my children and me to trip over it. This has led to a sprained wrist and scrapes. I've contacted Spectrum, and although representatives have visited, they've left without... View More
answered on Mar 10, 2025
You can file a personal injury lawsuit seeking recovery of your medical expenses and, if applicable, any lost wages you suffered as a result of your injuries. Keep copies of all of your medical records and bills associated with the sprained wrist and scrapes so you can prove the amount of... View More
I was on a Spirit Airlines flight to Dallas, Texas, where we experienced extremely strong winds. The pilot attempted to land twice but couldn't due to worsening winds, causing the plane to shake violently. We diverted to Houston, stayed for a few hours with a new pilot, and made another... View More
answered on Mar 8, 2025
For negligent infliction of emotional distress (NIED) claims, you typically need to prove that the airline acted carelessly and that this caused significant emotional distress. While emotional distress claims can often be linked to physical injury, this is not always necessary. However, it can be... View More
I was on a Spirit Airlines flight to Dallas, Texas, where we experienced extremely strong winds. The pilot attempted to land twice but couldn't due to worsening winds, causing the plane to shake violently. We diverted to Houston, stayed for a few hours with a new pilot, and made another... View More
answered on Mar 10, 2025
No, you can't.
There is a cause of action for intentional infliction of emotional distress but, given the admittedly high winds, I doubt you could convince anyone that the pilot's conduct was "extreme and outrageous" or was "intentional" or... View More
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