Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
What are my rights if a fake account is impersonating me and posting racist comments?
If a fake account is impersonating you and posting racist comments, you may have several possible legal and practical options, depending on the facts. In general, impersonation and hateful posts can affect your reputatio...
How do I handle finding a camera disguised as a phone charger in a vacation rental?
Finding a camera disguised as a phone charger in a vacation rental can be alarming, and in Georgia it may raise both privacy and criminal-law concerns depending on the facts. In general, the safest first steps are to avo...
Can a phone company keep billing me after I ported my number out?
In general, a phone company should not keep charging you for service that has actually ended, but a bill after you port your number out does not always mean the charge is improper. In many situations, carriers continue b...
What happens if an AI tool’s terms say it owns part of the output I created?
If an AI tool’s terms say it owns part of the output you created, that usually means the company is trying to reserve some contractual rights over the content generated using its service. In practical terms, that may aff...
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...
Can a Mechanic Charge Storage Fees Without Warning Me?
In Michigan, a mechanic may sometimes charge storage fees for a vehicle that remains on the shop’s property, but whether those fees are enforceable often depends on the repair agreement, posted policies, any written noti...
Is it legal for an ex to post on Instagram that I cheated clients in my small business?
In Florida, an ex posting on Instagram that you “cheated clients” in your small business may be legally risky for them, but whether it is unlawful depends on the exact words used, whether the statement is false, and whet...
What happens if an online order was marked delivered but sent to the wrong address?
If an online order is marked delivered but it was sent to the wrong address, the main issue is usually whether the seller, carrier, or someone else still bears responsibility for getting the item to you. In general, a “d...
Can my statement be used in court if I was never told I could remain silent?
In general, a statement can sometimes be used in court even if you were never told that you could remain silent. The answer often depends on who asked the questions, where the statement was made, and whether the setting...
Do I have to pay a cancellation fee if the company never provided the service?
In general, whether you have to pay a cancellation fee if the company never provided the service depends on the contract, the company’s policies, and the facts of the situation. If you agreed to a cancellation fee in a v...
Employer Raised My Hourly Rate by Mistake and Won’t Fix It—Am I Liable?
In New Jersey, an employer may sometimes try to recover wages that were paid by mistake, including an hourly rate that was accidentally set too high. Whether you are legally liable usually depends on the facts, including...
Do I have to make payments during an administrative forbearance for them to count toward forgiveness?
In general, whether payments made during an administrative forbearance count toward forgiveness depends on the type of loan, the forgiveness program, and the specific rules that apply to your repayment status. An adminis...
How do I calculate damages for online defamation against my small business?
For a small business, damages in an online defamation claim are usually about showing the money loss and other harm that may have flowed from the false statement. In general, the starting point is to identify what was sa...
The florist delivered the wrong flowers for a funeral. Can we ask for more than a refund?
In Pennsylvania, a wrong flower delivery for a funeral may be more than a simple customer-service problem, but the available remedies usually depend on the facts. In general, if a florist delivered the wrong arrangement,...
What are my rights if my insurance company undervalues my totaled car by $3,000?
If your insurance company says your car was totaled but offers less than you believe it was worth, you generally have the right to question the valuation and ask for a review. In New Jersey, the amount an insurer pays of...