Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What are my rights if my shipment was marked delivered but never arrived?
If a shipment is marked delivered but you never received it, you usually have the right to ask for an investigation, request proof of delivery, and seek a replacement or refund depending on the facts and the seller’s pol...
How do I get my deposit back from an event venue that canceled my party two weeks before the date?
If an event venue in Indiana canceled your party two weeks before the date, you will usually want to start by reviewing the written contract, any cancellation policy, and all messages between you and the venue. In genera...
Do I have to pay a cancellation fee if the service provider rescheduled multiple times?
In general, maybe not—but it depends on the contract, the provider’s policies, and what happened before the cancellation. If a service provider repeatedly changed the appointment date or time, that may affect whether a c...
Can I Get a Refund If an Online Seller Sent Me a Fake Item?
If an online seller sent you a fake item, a refund may be possible in New Jersey, depending on the facts, the seller’s policies, and how the purchase was made. In many situations, receiving a counterfeit, knockoff, or ma...
How do I handle a landlord who is charging me for water bills from before I moved in?
If a landlord is trying to make you pay water bills from before you moved in, the first question is whether your lease clearly says you are responsible for those charges. In general, a landlord usually cannot shift earli...
Do I have to pay storage charges while arguing with insurance about whether my car is totaled?
In general, maybe. In Rhode Island, whether you have to pay storage charges while an insurance company is deciding if your car is totaled usually depends on the insurance policy, who ordered the tow or storage, how long...
How do I handle a warranty company that keeps delaying repairs for months?
If a warranty company keeps delaying repairs for months, the first step is usually to document everything carefully. Keep copies of the warranty, repair requests, inspection notes, emails, text messages, call logs, and a...
I bought a mattress online and the return window ended before it fully expanded. Any rights?
In California, you may have some options, but the answer usually depends on the seller’s return policy, the product listing, and whether the mattress was defective or not as described. A mattress that arrives compressed...
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...
My Ex Used My Credit Card After We Split — Is It Theft or a Civil Dispute?
In North Carolina, an ex using your credit card after a breakup can sometimes raise both criminal and civil issues, but it does not automatically mean theft. The answer usually depends on whether your ex was authorized t...
Can a Hospital Bill Me Years After the Visit?
Yes, a hospital may sometimes send a bill long after the visit, but whether it can still collect depends on several legal and practical factors. A late bill does not automatically mean the charge is invalid. It may happe...
Can California Businesses Add a 3.99% Card Fee at Checkout Without Advertising It?
In general, California businesses may be able to add a card-related fee at checkout, but whether they can do so without advertising it first depends on several legal and practical factors. The main issues usually involve...
A neighbor keeps using my trash bins and I’m getting overage fees. Any recourse?
If a neighbor is repeatedly using your trash bins and you are being charged extra fees, there may be practical and legal options, but the best response usually depends on the facts, the type of housing, and local Oregon...
Can a car dealership cancel my financing two weeks after I drove the car home?
In Louisiana, a car dealership may sometimes tell a buyer that financing did not go through and that a different contract, lender approval, or vehicle return is needed. But whether that is allowed depends on the paperwor...
Is it legal for an insurer to send payment directly to the lienholder after totaling my car?
In general, yes. If your car is financed or leased, the lienholder usually has a legal interest in the vehicle and the insurance proceeds tied to it. After a total loss, an insurer often may send some or all of the payme...