Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
How do I know whether my loans are federal or private before applying for forgiveness?
Before applying for any student loan forgiveness program, one of the first things to check is whether your loans are federal or private. In general, forgiveness programs are usually tied to federal student loans, while p...
Can I Sue a Cleaner for Damaging Expensive Clothing?
In Connecticut, a cleaner may sometimes be responsible if your clothing was damaged while it was in the cleaner’s custody, but the answer usually depends on the facts. Common issues include whether the cleaner handled th...
Do I have to pay for replacement value or repair cost in a Minnesota property damage case?
In Minnesota property damage cases, the amount at issue is often whether damages are measured by repair cost, replacement value, or another measure of loss. In general, the answer depends on the type of property, the ext...
How do I handle a cleaning service that broke my TV and says its workers are independent contractors?
If a cleaning service broke your TV, the first question is usually who may be legally responsible for the loss. In general, the answer depends on who hired the worker, how the job was set up, what the contract says, and...
What are my rights if a debt collector recorded me after I said I did not agree to be recorded?
In Illinois, a debt collector recording you after you said you did not agree to be recorded may raise privacy and consumer-protection concerns. Whether the recording was lawful can depend on the facts, including who was...
How do I handle a pet sitter who lost my dog during a walk?
If a pet sitter lost your dog during a walk, the first priority is usually to search, notify local shelters and animal control, and preserve all communication with the sitter. In Hawaii, as in many states, the exact lega...
Can I sue a daycare if my child was injured because staff left kids unsupervised?
In general, a parent may be able to bring a legal claim against a daycare if a child was injured and the injury may have been caused by inadequate supervision. In Wyoming, as in other states, the basic question is usuall...
Do I have to repair my car after receiving an insurance payout, or can I keep the money?
In general, whether you have to repair your car after an insurance payout depends on what kind of claim you made, who owns the car, and what your insurance policy says. In Montana, there is not a simple one-size-fits-all...
What happens if my loan servicer counted my qualifying payments wrong after the account transfer?
If a loan servicer counted your qualifying payments wrong after an account transfer, the main issue is usually that your account history may need to be reviewed and corrected. In general, a transfer does not erase prior...
How do I recover money from a contractor who abandoned my home renovation halfway through?
If a contractor abandons a home renovation partway through, the first step is usually to document exactly what happened and what money was paid. In many situations, homeowners try to recover funds by showing that the con...
Is it legal for a creditor to threaten to sue me over a 9-year-old credit card debt?
In general, a creditor or debt collector may contact you about an old credit card debt and may even say it is considering a lawsuit. But whether a lawsuit would actually be allowed depends on the facts, including the age...
How do I cancel an online meal kit subscription that keeps billing me even after I deleted my account?
If an online meal kit company keeps billing you after you deleted your account, the first step is usually to gather your records and try to confirm whether the subscription was actually canceled, paused, or only the onli...
How do I handle a personal injury claim when the business refuses to give me incident report paperwork?
In Georgia, if a business refuses to give you an incident report after an injury, that can be frustrating, but it does not necessarily stop a personal injury claim. In general, the report is only one piece of evidence. Y...
Is it legal for a tow yard to charge $95 per day after my car was towed from the crash scene?
In Indiana, a tow yard may be able to charge daily storage fees after a crash tow, but whether a $95 per day charge is legal usually depends on several facts. Those facts can include how the vehicle was towed, what the t...
Is it defamation if someone says “I think” before making a false factual accusation online in Indiana?
In general, adding the words “I think” does not automatically protect a person from a defamation claim in Indiana. If an online statement still communicates a false factual accusation, a court may look at the whole conte...