Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What happens if I defaulted on my federal student loans but want to apply for forgiveness later?
If you defaulted on federal student loans, that usually does not mean forgiveness is permanently off the table. In general, some federal loan forgiveness or discharge programs may still be available later, but default ca...
How do I recover money from an old savings account my parents opened for me as a child?
If your parents opened a savings account for you as a child, the first question is usually whether the money is still in an active account, was closed out, or was transferred somewhere else. In general, the steps to reco...
What happens if I was in an Uber accident and both drivers blame each other?
If you were in an Uber accident and both drivers blame each other, the situation usually turns into an insurance and evidence dispute rather than a simple one-driver claim. In general, fault has to be sorted out before i...
My Ex Won’t Remove My Name From a Joint Phone Plan — What Can I Do?
If your name is still on a joint phone plan after a breakup, the main issue is usually that the account holder and the phone carrier still see you as financially responsible for the account. In general, a joint plan can...
My Wedding Venue Closed Without Refunding Deposits — What Can I Do?
If a wedding venue in Florida closed and did not refund your deposit, the first question is usually what your contract says and whether the venue actually canceled, breached the agreement, or is going through a bankruptc...
What are my rights if my insurance company delays my claim for over 60 days without explanation?
If an insurance company delays a claim for more than 60 days without giving a clear explanation, that can be frustrating and may raise concerns about whether the company is handling the claim fairly and in good faith. In...
Do I have to pay a medical bill that went to collections before I received an invoice?
In general, you may still owe a valid medical debt even if the bill was sent to collections before you personally received an invoice. A collection notice does not, by itself, mean the debt is inaccurate or unenforceable...
Can a Collection Agency Sue Me After the Statute of Limitations?
In general, a collection agency may try to sue even after a debt is old, but whether that lawsuit is allowed depends on the statute of limitations, the type of debt, and the facts of the account. In Arizona, as in other...
Do I have to pay for a prepaid service if the business permanently closed?
In general, if you prepaid for a service and the business permanently closed before providing all of it, you may not have to keep paying for the unused portion. The exact answer depends on the contract terms, how the pay...
How do I get a rental car paid for after someone hit my parked car?
If someone hit your parked car in North Carolina, a rental car may be paid for through the other driver’s insurance, your own auto policy, or sometimes another source depending on the facts. In general, the key issue is...
Can my landlord give me a 3-day eviction notice for being $450 behind on rent?
In California, a landlord can often give a 3-day notice to pay rent or quit if rent is unpaid, even if the amount owed is $450. The key issue is usually not the size of the balance by itself, but whether the notice is le...
Can I file a personal injury claim if I fell at a mall during heavy rain near the entrance?
Yes, in some situations you may be able to file a personal injury claim after a fall at a mall during heavy rain near the entrance, including in Utah. Whether a claim is available usually depends on the specific facts, s...
Do I have to send due diligence letters before reporting abandoned checks from my company?
In general, whether you must send due diligence letters before reporting abandoned checks depends on the type of property involved, the reason the checks are considered abandoned, and the unclaimed property rules that ap...
Can I take my roommate to court for damaging shared furniture?
In general, you may be able to bring a court claim against a roommate if they damaged furniture that you own or co-own, but the result usually depends on who owned the item, how the damage happened, and what proof you ha...
What happens if a repair shop charges storage fees without notifying me?
In Massachusetts, a repair shop that charges storage fees without telling you first may face a dispute over whether those charges are valid or collectible. In general, a business that keeps your vehicle or other property...