Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
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...
How do I deal with a rental car company charging me for fuel when I returned it full?
If a rental car company charged you for fuel after you believe you returned the car full, the first step is usually to gather proof. That may include the rental agreement, the return receipt, photos or video of the fuel...
A contractor demolished the wrong wall in my house. Do I call insurance or sue them?
If a contractor demolished the wrong wall in your Texas home, the next step is often to think about both insurance and a claim against the contractor, not just one or the other. In many situations, homeowners first notif...
How do I dispute a cable bill with unexplained charges?
If your cable bill includes charges you do not recognize, the first step is usually to review the bill carefully and compare it with your contract, promotional offer, and past statements. Unexplained charges may be the r...
How do I dispute a total loss value that is $4,500 below similar cars for sale nearby?
If your car has been declared a total loss in Minnesota and the insurer’s offer seems far below similar vehicles in your area, you can usually dispute the valuation by asking for a detailed breakdown, comparing the insur...
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...
Can a Bank Close My Account Because I Disputed Several Charges?
In general, yes, a bank may be able to close your account after you dispute several charges, but the answer depends on the account agreement, the bank’s internal policies, and the reason the bank gives for the closure. A...
What Are My Rights When an Online Seller Claims a Price Error?
When an online seller says a posted price was a mistake, your rights usually depend on the facts, the seller’s terms, and whether a binding contract was formed. In general, a website listing can sometimes be treated like...
Can I get student loan forgiveness if I have worked for a nonprofit hospital for 9 years?
Maybe, but it depends on the loan program, your employer status, your payment history, and whether your past service and payments meet the program rules. In general, working for a nonprofit hospital can be relevant to ce...
What are my rights if a daycare charged me for a full month after I withdrew my child with two weeks’ notice?
In North Dakota, your rights usually depend first on the daycare agreement you signed and what it says about notice, tuition, refunds, and withdrawal. If the contract requires a full month’s notice, the daycare may be re...
What Can I Do If a Contractor Took My Deposit and Disappeared?
If a contractor took your deposit and then stopped responding, it can feel overwhelming. In general, your options may depend on what the contract said, what work was promised, how much money you paid, and whether the con...
Can I file a small claims case against a gym for charging me after I canceled in person?
In general, you may be able to use small claims court in Wyoming if a gym kept charging you after you canceled and you believe those charges were unauthorized or breach the membership agreement. Whether a small claims ca...
How do I take a pet sitter to small claims court for negligence?
If a pet sitter’s carelessness caused harm to your pet, property, or related expenses, a small claims case in Wyoming may be one possible way to try to recover money damages. In general, small claims court is designed fo...
What are my rights if my car warranty claim is denied due to “lack of maintenance” I can prove?
If a car warranty claim is denied because the company says you failed to maintain the vehicle, but you have proof that you did the required maintenance, you may have grounds to challenge the denial. In general, a warrant...
Can a Utah employer withhold my final paycheck because I did not sign a separation agreement?
In general, a Utah employer should not be able to hold back earned wages simply because you refused to sign a separation agreement. Final wages are usually treated as wages that must be paid under the employer’s normal p...