Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
How do I claim an old utility deposit that shows up as unclaimed property?
In North Carolina, an old utility deposit that appears on an unclaimed property list usually means the utility company reported money it could not return to you after your account ended. In general, the state holds that...
How do I dispute duplicate charges on a medical bill?
Duplicate charges on a medical bill can happen for a few different reasons. A provider might accidentally bill the same service twice, a claim may be processed more than once, or a bill may include charges that overlap i...
What happens if my renter’s insurance refuses to cover theft because there was no forced entry?
If a renters insurance company refuses to cover a theft claim because there was no forced entry, the first thing to check is the policy language. In general, some policies cover theft only if there is evidence of forced...
What happens if my car is repossessed even though I made a partial payment?
If your car is repossessed after you made a partial payment, that does not automatically mean the repossession was improper. In Iowa, as in many states, the lender or repossession company will usually look first to the l...
What are my rights if I signed a waiver without reading it carefully?
In general, signing a waiver does not automatically mean you lose every legal right connected to the situation. In Idaho, as in many states, a signed waiver may be treated as evidence that you agreed to its terms, even i...
What happens if someone sends me 40 unwanted texts after I told them to stop contacting me?
If someone keeps sending you unwanted texts after you clearly told them to stop, that can be more than just annoying. In general, repeated texting after a clear request to stop may support legal claims or other remedies,...
Can I Press Charges for Fake Evidence and Reputation Damage in Georgia?
In Georgia, the answer usually depends on what happened, who made the fake evidence, and how it was used. In general, a private person does not personally “press charges.” Criminal charges are usually handled by law enfo...
Do I have to pay taxes on student loans that are forgiven through PSLF?
In general, federal Public Service Loan Forgiveness (PSLF) is designed so that forgiven federal student loan debt is not treated the same way as regular taxable income. For many borrowers, the forgiven amount under PSLF...
How do I dispute a car loan balance that includes add-on products I never agreed to?
If your car loan balance includes add-on products you believe you never agreed to, the first step is usually to gather the loan paperwork and compare every charge against what you remember signing. In general, add-on pro...
How do I fix my income driven repayment plan if my monthly payment jumped from $120 to $640?
A sudden jump in an income-driven repayment, or IDR, payment can happen for several reasons. In general, it may mean your servicer updated your income, your family size changed, your recertification was processed differe...
How do I handle a warranty company that keeps delaying repairs for months?
If a warranty company keeps delaying repairs for months, the first step is usually to document everything carefully. Keep copies of the warranty, repair requests, inspection notes, emails, text messages, call logs, and a...
Do I have to prove emotional distress in an online defamation case in Mississippi?
In general, emotional distress can be relevant in an online defamation case, but it is not always the only thing a person must prove. Whether you need to show emotional distress depends on the type of defamation claim, t...
How do I ask a judge to exclude a recording that was made without my consent?
In California, asking a judge to exclude a recording usually means asking the court not to admit it as evidence. That request is often made through a motion or objection, depending on the stage of the case and the type o...
Can I Sue for Wrongful Detention After Being Held Without Arrest?
In Utah, a person who is held without being formally arrested may sometimes have a civil claim depending on what happened, who did it, and whether the detention was legally justified. In general, the key issue is not onl...
Can an old money order or cashier’s check be sent to the state as unclaimed property?
In Utah, an old money order or cashier’s check may sometimes be turned over to the state as unclaimed property if it remains unclaimed for long enough and the holder is required to report it under Utah’s unclaimed proper...