Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What happens if a furniture financing company keeps charging after I paid the balance in full?
If a furniture financing company keeps charging after you have paid the balance in full, the extra charges may be unauthorized. In general, that can happen for several reasons, such as a billing system error, a payment p...
The car wash ripped off my side mirror and pointed to a “not responsible” sign. Does that matter?
In Georgia, a “not responsible” sign may matter, but it usually does not automatically end the issue. In general, a business cannot always avoid responsibility just by posting a sign, especially if the damage may have be...
Is it legal for a store employee to say I cannot take photos of the hazard after I fell?
In general, a store employee may tell you not to take photos, but that does not always mean you have no right to document the scene. In South Dakota, the answer can depend on where you are standing, who owns or controls...
What are my rights if a brokerage account was reported as abandoned even though I still receive statements?
If a brokerage account was reported as abandoned even though you still receive statements, that may raise questions about whether the account was actually inactive or whether the brokerage followed the proper abandonment...
What happens if a gym refuses to cancel my membership despite multiple written requests?
If a gym refuses to cancel your membership after you have made multiple written requests, the situation usually turns on the membership agreement, the cancellation method required by the contract, and any consumer protec...
Husband Owns the Car and Controls Finances—What Rights Do I Have During Separation?
In Oregon, your rights during a separation usually depend on the overall financial picture, not just whose name is on the car title or who manages the bank accounts. If you are married and living separately, the law gene...
Is it legal for my servicer to capitalize interest after I submitted my recertification on time?
In general, a servicer may only capitalize interest if the loan terms and the applicable program rules allow it. Whether that is legal after you submitted a recertification on time often depends on how the servicer proce...
Can a car dealer cancel my purchase because they found a better buyer?
In general, a car dealer in Florida cannot simply cancel a completed purchase just because another buyer is offering more money. Whether a dealer may back out usually depends on what exactly was signed, whether financing...
How do I take a pet boarding facility to court if my pet was injured in their care?
If your pet was injured while being boarded, you may be able to bring a civil claim against the facility, depending on the facts and the evidence. In Wyoming, as in many states, the legal theory might involve negligence,...
How do I get my money back from a mechanic who replaced parts that did not fix the problem?
If a mechanic replaced parts but the original problem is still not fixed, there may be several general steps to consider. In Oklahoma, the first issue is usually whether the repair shop promised a specific result, made a...
Can an HOA tow my car from my driveway because the registration sticker is expired?
In Florida, an HOA may sometimes be able to have a car towed from a driveway if the vehicle is violating the community’s recorded rules, parking restrictions, or property-use requirements. An expired registration sticker...
Do I have to pay a medical spa for a prepaid package when the location closed before my appointments?
If you already paid for a medical spa package and the location closed before you used all of the services, you usually do not owe additional payment just because the business shut down. In general, the more common issue...
Is it legal for my student loan servicer to deny forgiveness because my employer form was signed late?
In general, a student loan servicer may deny or delay forgiveness if the required employment certification or employer form was not completed in the way the program requires. A late signature can matter because these pro...
What are my rights if my bank refuses to reimburse unauthorized ATM withdrawals?
If you are in Kentucky and your bank refuses to reimburse unauthorized ATM withdrawals, your rights usually depend on the facts, your account agreement, and the consumer-protection rules that apply to electronic fund tra...
Can I Sue a Wedding Photographer Who Lost My Photos?
If a wedding photographer in Texas lost your photos, you may wonder whether you can bring a legal claim. In general, the answer depends on the contract, what the photographer promised, how the photos were lost, and what...