Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
How do I know if a voicemail message counts as consent to record the rest of a call?
In general, a voicemail message does not automatically count as consent to record the rest of a live phone call. Whether it counts usually depends on what the speaker actually said, whether the statement clearly allowed...
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...
Is it legal for a towing company to charge $620 after my car was parked at a shopping center for 45 minutes?
In Nevada, a towing charge that high may be legal in some situations, but it depends heavily on the facts. A parking lot tow is usually governed by a mix of property rules, contract or posted-sign issues, towing company...
Do I have to pay a parking garage ticket if the exit gate was broken and no attendant was there?
In general, you may still owe money for parking if you used a garage, but a broken exit gate and no attendant can raise questions about whether the garage can fairly enforce the charge. In Utah, the answer usually depend...
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...
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 roommate changed the WiFi password even though I pay half. Is that a legal issue?
In general, a roommate changing the WiFi password can be more of a housing or relationship dispute than a clear legal problem, but it may become a legal issue depending on how the internet service is set up, who is the a...
Can a Contractor Work Without a Permit and Still Charge Me?
In general, a contractor may not be allowed to do certain work without the permits that the law or local code requires, but whether they can still charge you depends on the facts, the contract, and Utah law. A permit iss...
What happens if a contractor misses deadlines repeatedly without updates?
If a contractor repeatedly misses deadlines and does not give updates, that often creates serious practical and legal problems for the project owner. In general, the first issue is that the work may be in breach of the c...
Is it legal for a landlord in Alabama to keep my security deposit for normal carpet wear?
In general, a landlord in Alabama usually should not keep a security deposit just because carpet shows normal wear from ordinary use. Security deposits are commonly used to cover unpaid rent, lease violations, or damage...
Can I get student loan forgiveness if I work for a state university?
In general, working for a state university may make you eligible for some student loan forgiveness programs, but it depends on the program, the type of loans you have, and whether your employment fits the program rules....
What are my rights if my upstairs neighbor’s pipe burst and ruined my furniture?
If an upstairs neighbor’s pipe burst and damaged your furniture, you may have rights to seek payment for the loss, but the source of those rights depends on the facts. In Maryland, claims of this type often involve prope...
What happens if my car insurance lapses for two weeks and I get into an accident?
If your car insurance lapses for two weeks and you get into an accident, several things may happen at once. In general, the lapse can affect whether your insurer covers damage, injuries, or legal defense, and it may also...
What happens if I was laid off on Monday and still have not received my last check by Wednesday?
If you were laid off in Utah on Monday and still have not received your last check by Wednesday, the short answer is that the timing may or may not be a problem depending on the exact facts. In many workplaces, the final...
Do I have to pay a restocking fee when returning a defective appliance within three days?
In general, a restocking fee may depend on the seller’s return policy, the sales contract, and whether the appliance was actually defective. If an appliance is defective, many consumers assume a restocking fee should not...