Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
How do I deal with a car rental company billing me $1,300 for scratches I did not cause?
If a rental car company bills you for scratches you believe you did not cause, the first step is usually to gather the rental agreement, pickup and return photos, and any emails or texts about the car’s condition. In gen...
I bought a puppy from a breeder and the vet found major health issues. What rights do I have?
If you bought a puppy from a breeder in New York and a veterinarian later found major health problems, you may have several possible consumer and contract-related rights depending on the facts. In general, the key questi...
Do I have to pay for damage in a rental car if I bought the company’s collision waiver?
In general, buying a rental car company’s collision waiver may reduce or eliminate your responsibility for certain damage to the rental vehicle, but it does not always mean you owe nothing in every situation. The exact a...
Is it legal for a subscription app to make cancellation available only by phone during business hours?
In general, a subscription app may not be able to require cancellation only by phone during limited business hours if that practice conflicts with applicable consumer protection rules or the terms the company promised at...
Is it legal for a mechanic to charge $1,100 more than the estimate without calling me first?
In Indiana, a mechanic may sometimes charge more than the original estimate, but that does not automatically mean any overage is allowed without notice. Whether the charge is lawful often depends on what the estimate sai...
How do I recover money from a cleaning service that never showed up?
If a cleaning service in Idaho never showed up, the first practical step is usually to contact the company and ask for a refund in writing. Keep your message calm, short, and specific. Include the date of the scheduled s...
How do I recover money from a contractor who used substandard materials?
If a contractor used substandard materials, you may have several general options for trying to recover money, but the best path depends on the contract, the work performed, the damages, and Oklahoma law. In general, disp...
What happens if a gym sends my account to collections after I moved and could not use the location?
If a gym in Georgia sends your account to collections after you moved and could not use the location, the account may still be treated as an unpaid debt unless the contract, cancellation rules, or the facts give you a de...
Is it legal for police to question a minor without a parent present after reading Miranda rights?
In general, police may be able to question a minor without a parent present, even after giving Miranda warnings, depending on the circumstances and Indiana law. The fact that a parent is not in the room does not automati...
Can I sue if a competitor bought ads linking my name to fraud accusations?
In general, possibly yes, but it depends heavily on what the ads said, how they were presented, who bought them, and what harm you can show. A competitor’s paid ads that connect your name to fraud accusations may raise l...
Do I have to include my spouse’s income for income based student loan payments?
In general, whether you must include a spouse’s income for income-based student loan payments depends on the repayment plan, how the loan servicer counts household income, and whether you file taxes jointly or separately...
What are my rights if my bank denies a fraud claim on my debit card?
If a bank denies your debit card fraud claim, you usually still have rights to ask for an explanation, review the bank’s decision, and keep documenting what happened. In general, the key issue is whether the bank treated...
What Are My Rights if Firestone’s $2,000 Repair Failed After a Few Months?
If a Firestone repair cost about $2,000 and then failed after only a few months, you may have several possible consumer-protection and warranty-related concerns under Florida law, depending on the facts. In general, a re...
Is it legal for a lender to charge late fees while my deferment request is pending?
In general, the answer depends on the loan documents, the lender’s policies, and whether the lender has formally approved the deferment. A pending deferment request does not always stop late fees by itself. In many situa...
What happens if a debt collector keeps calling me before 8 a.m. every day?
If a debt collector keeps calling you before 8 a.m. every day, that may be a sign of improper collection conduct, especially if the calls are early, frequent, or unwanted. In general, debt collectors are usually expected...