Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
How do I dispute a phone bill that includes $220 in roaming charges I never agreed to?
If your phone bill includes roaming charges you did not expect or did not agree to, the first step is usually to review the bill, your service plan, and any messages from the carrier about roaming policies. In general, a...
Can I sue if someone edited screenshots to make it look like I admitted to a crime?
In Virginia, edited screenshots that falsely make it look like you admitted to a crime may sometimes support a civil claim, but the exact legal theory depends on the facts. In general, the law looks at what was published...
How do I get a subpoena for records from a social media platform?
In general, getting records from a social media platform usually involves a subpoena, but the exact process depends on the type of records you want, the platform’s policies, and the court rules that apply in your New Mex...
Can a Payday Lender Keep Debiting My Account After I Revoked Authorization?
In general, once you revoke authorization for recurring debits, a payday lender should not keep pulling money from your account just because it once had permission. But what happens next can depend on how the authorizati...
What happens if my student loan servicer lost my prior payment records?
If your student loan servicer lost records of your prior payments, that usually does not mean the payments never happened. In general, servicers are expected to keep account histories and apply payments correctly, but re...
What are my rights if my loan forgiveness approval was later reversed?
If a loan forgiveness approval is later reversed, you may have important rights, but the exact rules can depend on the type of loan, the forgiveness program, the lender or servicer involved, and the facts of the reversal...
Is it legal for a tow company to refuse to release my car until I pay in cash?
In Indiana, a tow company may sometimes require payment before releasing a vehicle, but whether it can demand cash specifically depends on the facts, the towing arrangement, and any applicable contract, local rule, or le...
My Landlord Changed the Locks After I Fell Behind on Rent — What Should I Do?
If you are in Nevada and your landlord changed the locks after you fell behind on rent, that may be an unlawful lockout depending on the facts. In general, a landlord usually cannot use self-help to remove a tenant witho...
Is it legal for a dealership to charge me for add-ons I never signed for?
In general, a dealership should not be able to charge you for add-ons that you did not agree to, but the answer often depends on what paperwork you signed, what was disclosed, and how the charge was presented. In Kentuck...
What happens if a debt buyer sues me for an old credit card balance from 2017?
If a debt buyer sues you over an old credit card balance from 2017, the first thing to understand is that a lawsuit is serious even if the debt is old. In general, a debt buyer is a company that purchases charged-off deb...
Do I have to get everyone’s consent before recording a Zoom call with a contractor?
In California, the answer is often yes if the Zoom call is a confidential communication. California is a two-party consent state for certain recorded conversations, which means all parties may need to agree before the ca...
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...
Can a Cell Phone Company Charge an Early Termination Fee After Service Outages?
In general, a cell phone company may still try to charge an early termination fee after service outages, but that does not automatically mean the fee is valid in every situation. The answer often depends on the service 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...
Can I record a call with an insurance adjuster if I say I am recording and they continue speaking?
In Massachusetts, the answer can depend on the consent rules that apply to the call and on the exact facts. In general, Massachusetts is treated as a state with strong privacy protections for communications, so you shoul...