Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
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...
Do I have to prove the person knew the statement was false?
In general, it depends on the type of legal claim and the facts. In some disputes, proving that the speaker knew a statement was false can be important. In others, the law may focus more on whether the statement was fals...
What are my rights if a student loan settlement company charged $900 and did nothing?
If a student loan settlement company in Oklahoma charged you $900 and then did little or nothing, you may have several possible consumer-law concerns, depending on exactly what was promised, what was delivered, and how t...
Do I have to pay a cancellation fee to a wedding venue after they changed the date availability?
In Kansas, the answer usually depends on the written contract, the venue’s policies, and the reason the date changed. If the venue changed its own availability and could no longer host your wedding on the agreed date, th...
Can I sue a contractor without a written contract?
In general, yes, it may be possible to bring a claim against a contractor even if there is no written contract. In Montana, as in many states, some agreements can be formed orally or by conduct, depending on the facts. A...
Can I record audio on my home security cameras if contractors are working inside my house?
In Massachusetts, recording audio on a home security camera may raise legal issues because audio recording can be treated differently from video recording. In general, people are often more comfortable that video of acti...
Is it legal for the other driver’s insurer to deny my claim without explaining why?
In general, an insurance company should not simply leave you guessing after denying a claim. In Arizona, as in many states, a denial is usually expected to be communicated in a way that gives at least some notice of the...
Do I have to pay my deductible when the accident was completely the other driver’s fault?
In New York, the answer is often: maybe at first, but not necessarily in the end. If you use your own auto insurance coverage to repair your car, your policy may require you to pay the deductible up front before the insu...
Do I have to accept store credit if an appliance store delivered the wrong refrigerator?
In general, if an appliance store delivers the wrong refrigerator, you do not automatically have to accept store credit instead of getting the problem corrected. The answer often depends on the sales agreement, the store...
Can a used car dealership refuse to honor a 30-day warranty they advertised?
In general, a used car dealership may not be able to refuse to honor a 30-day warranty if it was actually advertised as part of the sale and became part of the deal. In Oregon, as in many states, advertising claims can m...
Is it legal for a company to automatically enroll me in a paid plan after a free trial ends?
In general, a company may be allowed to convert a free trial into a paid subscription if the terms were clearly disclosed and you agreed to them. The legal issue is usually not the automatic billing by itself, but whethe...
Do I Have to Pay HOA Fines If I Never Got the Violation Notice?
In general, whether you have to pay an HOA fine after not receiving the violation notice depends on the HOA’s governing documents, how notice was supposed to be delivered, and whether the association can show it followed...
Can I get my student loans discharged if the school falsely certified my eligibility?
In general, possibly yes, but only in certain situations and depending on the type of loan, the school’s conduct, and the facts surrounding the certification. If a school falsely certified your eligibility for a federal...
Can I sue my landlord if I found a hidden camera inside my bedroom smoke detector?
If you found a hidden camera inside a smoke detector in your bedroom, that can raise very serious privacy and safety concerns. In California, a landlord generally is not allowed to secretly record a tenant in a private a...
What are my rights if my private student loan interest rate increased without clear notice?
If your private student loan interest rate increased without clear notice, you may have rights under your loan contract, general consumer-protection principles, and any notice rules that apply to your lender or servicer....