Bankruptcy, Debt & Consumer Protection
Browse published legal information questions related to Bankruptcy, Debt & Consumer Protection.
Do I have to pay a debt collector if they cannot prove the debt is mine?
In general, a debt collector should be able to identify what debt it is trying to collect and why it says you owe it. If a collector cannot provide enough information to connect the debt to you, that may raise a serious...
What are my rights if a moving company lost two boxes with my tax records and family photos?
If a moving company lost two boxes containing tax records and family photos, you may have several general rights under Mississippi law and the terms of the moving contract, but the details depend heavily on the facts. In...
Do I Owe a Cancellation Fee If the Service Provider Missed the Appointment?
In general, if the service provider missed the appointment, it may be hard for them to justify charging you a cancellation fee for that same appointment. A cancellation fee usually exists to cover the provider’s lost tim...
What happens if my package is stolen after being marked delivered?
If a package is marked delivered but later appears stolen, the next steps usually depend on where it was delivered, who owned the package at that point, and what the seller, carrier, or payment provider’s policies say. I...
Do I have to pay for repairs after a mechanic misdiagnosed the problem and replaced the wrong part?
In Florida, whether you have to pay after a mechanic misdiagnoses a problem and replaces the wrong part usually depends on the repair agreement, what you authorized, and whether the shop’s work was reasonable under the c...
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 a telehealth provider recorded my appointment without clear notice?
In Illinois, a telehealth recording made without clear notice can raise privacy, consent, and professional responsibility concerns, but the exact rights involved usually depend on the facts. The key questions are often w...
Can I sue a contractor for unfinished kitchen work if we only had text messages and payment receipts?
In general, yes, a contractor dispute can sometimes be pursued even if the agreement was mostly handled by text messages and payment receipts. In Montana, as in many states, the lack of a formal written contract does not...
Can a Car Insurance Company Deny My Claim Because My Address Was Outdated?
In general, a car insurance company may try to deny or limit a claim if it believes your policy information was inaccurate, including your address. But an outdated address does not automatically mean a denial is proper....
What happens if a repair shop refuses to release my car until I pay for work I never approved?
In Massachusetts, a repair shop’s right to keep your car usually depends on the facts, the paperwork, and what kind of charges are being claimed. If you never approved the work, that may matter a lot, but it does not aut...
Do I have to accept a replacement item instead of a refund from an online seller?
In general, whether you have to accept a replacement item instead of a refund depends on the seller’s return policy, the payment method, the contract terms, and the facts of the sale. In Arizona, as in many states, the a...
What Should I Do if I Identified the Neighbor Who Stole My Package?
If you identified a neighbor who may have stolen your package, the safest first step is usually to avoid confronting the person directly. A heated confrontation can escalate the situation, create safety concerns, or make...
What happens if I miss one credit card payment by 12 days but paid it before the next statement?
If you are in Ohio and you missed one credit card payment by 12 days but paid it before the next statement, the most common result is that the account may be treated as late for that billing cycle, even if you later caug...
Can I File a Police Report if My Neighbor Is Wearing My Stolen Sweater?
Yes, you usually can file a police report if you reasonably believe your sweater was stolen and you have information suggesting your neighbor may be in possession of it. In Texas, a police report is generally a way to re...
Is it legal for a state to keep interest earned on money after it is escheated?
In general, the answer depends on the law that governs the unclaimed property and on what happened to the money while the state held it. Escheat or unclaimed property laws usually let the state take custody of abandoned...