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...
What are my rights if an online retailer refuses to refund a returned item worth $300?
If an online retailer refuses to refund a returned item, your rights usually depend on the retailer’s posted return policy, what was promised at checkout, the condition of the item, and whether the retailer actually rece...
Can an old money order or cashier’s check be sent to the state as unclaimed property?
In Utah, an old money order or cashier’s check may sometimes be turned over to the state as unclaimed property if it remains unclaimed for long enough and the holder is required to report it under Utah’s unclaimed proper...
What are my rights if my mechanic lost my car keys and wants me to pay for a replacement?
If a mechanic in Nebraska lost your car keys, you may have some rights, but the exact result usually depends on the facts, any repair agreement, and whether the mechanic was responsible for the loss. In general, when a b...
Can I Dispute a Credit Card Charge for a Service That Was Never Completed?
In general, you may be able to dispute a credit card charge if you paid for a service that was not completed, not provided, or was materially different from what was promised. In a New York case, the basic question is of...
How do I ask a judge to exclude a recording that was made without my consent?
In California, asking a judge to exclude a recording usually means asking the court not to admit it as evidence. That request is often made through a motion or objection, depending on the stage of the case and the type o...
Can a Moving Company Auction My Stuff Without Proper Notice?
In general, a moving company may not be able to auction your belongings without giving notice first. Whether the auction was allowed usually depends on the contract, where the goods were stored, how much was owed, and wh...
How do I prove the exact day I was separated from payroll for final pay purposes?
In Utah, the exact day you were separated from payroll can matter because final pay issues often turn on the date your employment ended. In general, the best proof is any record that shows when your employer treated you...
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...
A delivery driver hit my mailbox and the company won’t respond. What’s my next move?
If a delivery driver damaged your mailbox in Tennessee and the company is not responding, the situation usually starts as a property-damage claim. In general, the key issue is whether you can show who caused the damage,...
Do I have to prove financial loss to bring an online defamation claim in New York?
In New York, you usually do not need to prove a specific dollar amount of financial loss just to bring an online defamation claim. But whether financial loss must be shown often depends on the type of statement, the harm...
Do I have to pay a parking ticket issued on private property?
In general, a parking ticket issued on private property is not the same as a government-issued traffic citation. A private parking notice is usually a demand for payment from the property owner, landlord, business, or a...
What are my rights if a used car dealer sold me a truck with undisclosed flood damage?
If you bought a used truck in Alabama and later learned it had flood damage that was not disclosed, you may have several possible legal and practical options depending on the facts. In general, buyers may have claims if...
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...
What happens if I consolidated my loans and my old qualifying payments no longer show?
If you consolidated your loans, it is common for the payment history tied to the old loans to stop showing the same way it did before. In general, consolidation creates a new loan and the older loans are paid off or repl...