Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What happens if my loan was forgiven but the balance still shows on my credit report?
If a loan was forgiven, that usually means the lender or servicer has agreed not to collect the remaining balance, at least under the terms of the forgiveness. But a forgiven loan may still appear on your credit report f...
What happens if I bought a mattress online and the company refuses to honor its 100-night trial?
If you bought a mattress online and the company refuses to honor a promised 100-night trial, the issue is usually about the seller’s contract terms and any consumer-protection rules that may apply in Delaware. In general...
Can I sue a contractor for poor workmanship if I do not have a formal contract?
In Montana, and in many other states, the absence of a formal written contract does not always mean you have no legal claim against a contractor. In general, disputes over home repairs, renovations, or construction work...
Is it legal for a debt collector to call me before 8 a.m. repeatedly?
In general, debt collectors are not supposed to call at a time they know is inconvenient, and calls before 8 a.m. are often treated as potentially improper under consumer-debt collection rules. If the calls are happening...
What happens if a medical bill went to collections even though I was on a payment plan?
If a medical bill was sent to collections even though you were making payments under a payment plan, it may mean the provider or collection agency believes the account was still past due, the plan was not recorded correc...
Can prepaid debit card balances be subject to escheatment laws in West Virginia?
In general, yes. Prepaid debit card balances may be subject to escheatment laws if the funds are considered abandoned property under West Virginia law and no valid activity occurs for the applicable period. Whether a par...
What are my rights if a store in Alabama refuses to refund a defective $700 appliance?
In Alabama, your rights often depend on what the store promised, what the sales paperwork says, and whether the appliance was defective under the terms of the sale. In general, stores may set return and refund policies,...
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 are my rights if a former client falsely called me a thief in an online review?
If a former client posted an online review falsely calling you a thief, that statement may raise defamation concerns under general U.S. law and Oklahoma law. In broad terms, a false statement of fact that harms your repu...
How do I cancel a monthly tutoring service that keeps billing after my child stopped attending?
If a tutoring company keeps charging you after your child stopped attending, the first step is usually to review the contract or membership terms you agreed to when you signed up. In many consumer service arrangements, t...
Can I Get My Deposit Back If the Venue Canceled My Event?
In Georgia, whether you can get your deposit back after a venue cancels your event usually depends on the contract, the reason for the cancellation, and what money was paid as a deposit versus a nonrefundable booking fee...
Do I have to delete a recording if I later realize I did not get proper consent?
In Florida, the answer depends on what was recorded, how the recording was made, and what “proper consent” means in the specific situation. In general, Florida is a state where recording private communications can raise...
How do I know if a voicemail message counts as consent to record the rest of a call?
In general, a voicemail message does not automatically count as consent to record the rest of a live phone call. Whether it counts usually depends on what the speaker actually said, whether the statement clearly allowed...
Is it legal for a business to keep uncashed refund checks instead of reporting them to the state?
In Kentucky, a business generally cannot treat uncashed refund checks as if they are simply its own money forever. In many situations, money represented by an uncashed check may be considered unclaimed property, which ca...
Do I have to pay for repairs if the other driver’s insurer accepts fault but says their policy limit is too low?
In general, if another driver caused the crash and their insurer accepts fault, that does not necessarily mean the insurer will pay all of your repair costs. The insurer usually owes only up to the policy limit available...