North Carolina Consumer Legal Questions

More details are needed. Do you own or rent? Have you reported the issue to the electric company? What was the result of having the furnace checked? If you rent, have you made a written request to the landlord to have the issue checked out? Have you checked the insulation in the house? You never describe the cause of the issue. You let this go on for a very long time. If you own the house, I don't think you have claims against anyone unless there was a cover up of this issue by the seller or if the issue was caused by a faulty system that you purchased. Your claims would be against the manufacturer and may be covered by a warranty.  If you rent, this has been going on a long time. If you have never notified the landlord, I dont think you can get your money back from anyone. You need to notify the landlord as soon as possible.  Either way, whoever you try to sue will allege that you failed to mitigate your damages by letting this go on so long.  This is probably too complicated of an issue to get an adequate answer on a general legal advice forum. Contact a local attorney for specific advice.  ... Read More

You left out some important information. Was the car new or used when you bought it, and if it was new, what date did you buy it? There is no "lemon law" for a used vehicle. If this vehicle was purchased used, you only have the warranties that were provided when you bought it. An attorney would have to look at the warranties to tell if you have any claims. If it was new and its been less than 24 months or 24,000 miles, you may not have a claim yet. Here is a link to the North Carolina Attorney General description of when they have to buy your car back under the Lemon Law. https://ncdoj.gov/protecting-consumers/automobiles/lemon-law/  It sounds to me like you may not have a claim yet because it has not been 20 or more business days, and they may not have tried to repair it 4 times. If its been over 24 months or 24,000 miles, you cannot make a lemon law claim. All you have are warranty claims. I am not accepting these kind of cases right now because my bankruptcy and debt business is too busy. I hope you find this information helpful. Please continue to make all of your car payments on time to preserve your credit. Too many times people tell the dealer to take the car back and stop making the payments on it in these situations and don;t realize how harmful this is to their credit rating. Good luck.... Read More

Most likely there is no chance of recovery because of failure to register for the manufacturer warranty as you describe. This is something that requires a personal consultation with an attorney to review the paperwork. An attorney should charge no more than a couple hundred dollars for the review and advice. If there is a claim, it may be difficult to find an attorney who will take this on a contingency fee (only pay if you win type of fee). These kind of cases are very labor intensive for the attorney if you have to sue for breach of warranty or product defect.... Read More

If the car is 5 years old or older it's legal to charge up to 29% interest in NC on a car loan. This is required to be disclosed before your friend signed the loan paperwork. He/she probably didn't understand the implications as there is little financial education provided by our schools now days. He/She probably added every window etching, warranty and insurance add on product to their contract. The only solution is to refinance the car with a regular bank or credit union and cancel all the BS add ons that arent worth the money.... Read More

You can sue anybody you want to, but whether you win or not is a different thing all together. If this is a corporation, make sure you sue them in their proper name, or else the case will get thrown out of court. There are too many details involved to give you a simple answer. Whether or not you have a chance to win if you sue depends on what was represented about the furniture at the time of the sale. It sounds like "staged" = floor samples, which are typically used furniture, so there is no way the mattress and box spring were "new". Did you inspect the mattress and box spring before purchase? Were they wrapped in plastic? Did you sign anything? If so, what does that say?... Read More

This is unlikely to happen, but it can't hurt to ask. If the primary obligor has paid timely and improved his/her credit, I suppose it is possible, but I don't think I've ever seen it happen.  The lender has no incentive to do so now. It's better to keep you on the hook, and the car's already sold/financed. Another option would be to have the primary obtain another loan (without you) to pay off the loan you co-signed. That way you'll be off the hook without the consent of the existing lender. Think carefully next time you sign on the dotted line - especially for someone else!    ... Read More