Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
Do I have to pay student loans if I was the victim of identity theft?
In general, if a student loan was taken out in your name because of identity theft, you may not be responsible for repaying that debt. But the answer often depends on who actually signed the loan documents, whether the l...
My Car Was Repossessed With My Personal Belongings Inside — How Do I Get Them Back?
If your car was repossessed in Georgia and your personal belongings were still inside, the lender or repossession company usually must allow you a reasonable opportunity to recover non-car items. In general, a repossessi...
The car wash ripped off my side mirror and pointed to a “not responsible” sign. Does that matter?
In Georgia, a “not responsible” sign may matter, but it usually does not automatically end the issue. In general, a business cannot always avoid responsibility just by posting a sign, especially if the damage may have be...
How do I dispute a phone company charging me for services I never activated?
If a phone company charged you for a service you believe you never activated, the first step is usually to gather your bills, account records, and any messages or screenshots that show what was charged and when. In gener...
Can I Sue a Hair Salon for Chemical Burns?
In New Jersey, a person who suffers chemical burns at a hair salon may sometimes have a claim against the salon, the stylist, or another responsible business if the injury was caused by negligence or another legal wrong....
Is it legal for a debt collector to keep calling my workplace after I told them to stop?
In general, a debt collector may not keep calling your workplace if you have clearly told them that you are not allowed to receive those calls there, or that your employer does not allow them. Workplace calls can become...
Can I get my student loans discharged if the school falsely certified my eligibility?
In general, possibly yes, but only in certain situations and depending on the type of loan, the school’s conduct, and the facts surrounding the certification. If a school falsely certified your eligibility for a federal...
What are my rights if my wages are being garnished but I never received notice about the student loan debt?
If your wages are being garnished for a student loan debt and you never received notice, that may raise important due process and debt-collection questions. In general, a creditor or collection agency usually must follow...
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...
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,...
What are my rights if a furniture store delivered a damaged couch and refuses to refund me?
If a furniture store delivered a couch that arrived damaged and then refuses to give a refund, you may have consumer rights under Wisconsin law and under the terms of your purchase agreement. In general, what you can do...
Is it legal for a neighbor to point security cameras directly into my backyard in Alabama?
In Alabama, a neighbor may often use security cameras on their own property, but that does not always mean they can point them wherever they want. Whether a camera aimed at your backyard is lawful usually depends on the...
What are my rights if I was burned by hot coffee because the lid was not attached correctly?
If you were burned by hot coffee because the lid was not attached correctly, you may have a potential claim under Maryland personal injury or product liability principles, depending on what caused the injury and who may...
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...
Do I have to use my own collision coverage while waiting for the other insurer to accept fault?
In New York, you usually do not have to use your own collision coverage just because the other driver’s insurer has not yet accepted fault. In general, whether you file a collision claim under your own policy is a choice...