Florida Consumer Legal Questions

This is probably worth a call to a local attorney. This is something that state regulators frequently pursue as it is an unfair and deceptive trade practice. I'm not sure how much room there is for error but suspect the retailer has some duty to stand by the price.  I suggest that in addition to contacting an attorney you call Florida's consumer protection bureau to see if they'll help you. You've not suffered any real harm which is a good thing, so that makes your case less attractive to an attorney - the absence of damages means the absence of a bigger recovery:)... Read More

Just because you surrendered the car that serves as collateral for the loan doesn't mean the loan goes away.  It seems clear that the sale of the vehicle didn't bring enough to satisfy the debt. Thus, you still owe the difference. In my experience, when someone surrendered the vehicle, there was usually some sort of work out or agreement about the remainder of the debt. Most often it was accelerated so it all came due immediately, or upon surrender, instead of the usual monthly payments. At this point I bet the dealership has the right to do so under your agreement. Contact the dealer (or whomever is servicing this debt) to work it out. Otherwise late charges and penalties will continue to grow.  Be sure to obtain in writing any evidence of modification of the terms of the agreement or forgiveness of the debt.... Read More

Yes, you are responsible for the balance. When you received the dental services, you most likely signed a piece of paper stating that you agree to pay any amount not covered by insurance. So, while you will have to pay the dentist, if you feel the insurance company denied your claim improperly, you could sue the insurance company from breach of contract and/or bad faith.... Read More

Sorry, Charlie, but I don't think it is binding. A minor does not have the legal capacity to enter into contracts. Clearly minors have the capacity to lie:) It is up to the other party to the contract (you) to determine the legal capacity of the party with whom you are contracting or bear the risk. Online sites always ask for a statement about legal capacity, but if pushed, I think that they would lose when trying to enforce their rights against a minor. I can tell you that back in the day when I entered into one of those craze record contracts as a minor, the record company knew not to push it upon discovering my age!  There are reasons to ask this question whether over the phone or online, but I'm not sure it will do you any good in court.... Read More