Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
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...
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 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...
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 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...
What happens if my boss secretly recorded our closed-door meeting without telling me?
In California, secretly recording a private or “confidential” conversation can raise serious legal issues. Whether your boss broke the law usually depends on the setting, who was present, whether everyone knew the conver...
Can my insurance deny coverage because my roommate was driving my car during the accident?
In West Virginia, an insurer may try to deny coverage if your roommate was driving your car during an accident, but the answer usually depends on the policy language and the facts of the situation. Many auto policies cov...
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...
How do I get student loan forgiveness for teaching special education in a public school?
If you teach special education in a public school, you may have access to federal student loan forgiveness or cancellation options, depending on the type of loan you have, the repayment plan you are in, and the specific...
I paid a plumber upfront and he ghosted after opening the wall. What’s the best next step?
If you paid a plumber upfront in Pennsylvania and the plumber stopped responding after opening the wall, the best next step is usually to document everything, try to preserve your evidence, and send a clear written deman...
Do I have to use an income-driven repayment plan to get PSLF credit?
In general, no. For federal Public Service Loan Forgiveness, an income-driven repayment plan is often one of the most common ways borrowers make qualifying payments, but it is not necessarily the only way to receive PSLF...
What happens if a hospital sends me a bill a year later for services I thought were covered?
If a hospital sends you a bill a year later for services you believed were covered, the first thing to know is that this can happen for several different reasons. In general, a late bill may mean the hospital believes th...
What happens if my wages are garnished for an old credit card debt I do not recognize?
If your wages are being garnished for an old credit card debt you do not recognize, it usually means a creditor or debt buyer says it got a judgment against you and is now using that judgment to collect. In Alabama, a wa...
What happens if a repair shop refuses to release my car until I pay for work I never approved?
In Massachusetts, a repair shop’s right to keep your car usually depends on the facts, the paperwork, and what kind of charges are being claimed. If you never approved the work, that may matter a lot, but it does not aut...
Can a Home Warranty Company Keep Denying the Same Repair Claim?
A home warranty company may deny the same repair claim more than once if it believes the repair is still excluded under the contract, if the paperwork is incomplete, or if it thinks the problem has not been shown to be c...