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By submitting your question, you understand and agree to the Terms and Conditions and Privacy Policy for use of the site. Do not include any personal information including name, email or other identifying details in your question or question details. An attorney-client relationship is not being established and you are not a prospective client of any attorney who responds to your question. No question, answer, or discussion of any kind facilitated on this site is confidential or legal advice. Questions answered are randomly selected based on general consumer interest and not all are addressed. Questions may display online and be archived by Martindale-Hubbell.
498 legal questions have been posted about consumer law by real users. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include identity theft, consumer fraud, and lemon law. All topics and other states can be accessed in the dropdowns below.
Consumer Questions & Legal Answers - Page 15
Do you have any Consumer questions page 15 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 498 previously answered Consumer questions.
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Recent Legal Answers

Can an auto insurance co cancel me as if I never had the insurance and send me a full refund of my premium after an accident claim has been filed?

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
You will needto have a lawyer review all of this to determine whether the cancellation for "material misrep" is proper. 
You will needto have a lawyer review all of this to determine whether the cancellation for "material misrep" is proper. 

Late fees accessed by wamart

Answered 9 years and 2 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
If you make payments at the last second - you run the risk of all kinds of unnecessary issues to deal with. It is equally unlikely that your payment due date is the 5th as opposed a grace period for late fees applying until the 5th. You better bet is to pay BEFORE the due date not wait until the last second or try to work an issue of mere hours regarding payment. ... Read More
If you make payments at the last second - you run the risk of all kinds of unnecessary issues to deal with. It is equally unlikely that your payment... Read More

i was scammed by a for profit college how can I get my money back

Answered 9 years and 2 months ago by attorney Renea Overstreet   |   1 Answer
It sounds like you want to assert claims for breach of contract. The problem is that you actually received services. The question would be whether you received the services that you paid for and whether you have any damages as a result of not receiving services you paid for. Here are some important questions to help determine whether you have a claim: When did you find out your instructors were not certified instructors? When did you find out your instruction was inadequate. You say you graduated with honors but that you were given all the answers to the final exams and quizzes. When you were given the answers, did you ask the instructor why?  You could file a claim for breach of contract, but you would have the burden to prove that the school breached their agreement to provide instruction and certification.... Read More
It sounds like you want to assert claims for breach of contract. The problem is that you actually received services. The question would be whether... Read More

I bought a prefab home and it was delivered 5 weeks ago. It isn't finished and there are multiple defects.

Answered 9 years and 3 months ago by attorney Sharon M. Siegel   |   1 Answer
Post dating the closing papers was not only a very bad idea, it might be illegal if you can prove it.  If you closed, you likely accepted the building as in good condition based on your inspection.  Therefore, if you cannot prove shenanigans with the closing, you have an uphill climb.... Read More
Post dating the closing papers was not only a very bad idea, it might be illegal if you can prove it.  If you closed, you likely accepted the... Read More

Can an out-of-state identification be used in trading in video game items in Florida?

Answered 9 years and 3 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
This is a question your mother needs to address not a minor as it doesn't matter what you want or would like her to do, but rather what she is willing or able to do. There are any number of issues that could arise with using an inaccurate ID for such purposes othewise. 
This is a question your mother needs to address not a minor as it doesn't matter what you want or would like her to do, but rather what she is... Read More

How can I find a lawyer in my area to defend me against a lawsuit

Answered 9 years and 3 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
You can use services like this or other on the internet to find any number of lawyers. Be prepared on a defense case to pay out of pocket as a general rule. 
You can use services like this or other on the internet to find any number of lawyers. Be prepared on a defense case to pay out of pocket as a... Read More

Private seller did not disclose issues he knew about prior to deal. Lied about paperwork and what a clean title meant. Misrepresentation of procedure

Answered 9 years and 3 months ago by attorney Sharon M. Siegel   |   1 Answer
You were scammed.  The car is probably stolen.  Call the police and tell them the story.
You were scammed.  The car is probably stolen.  Call the police and tell them the story.

What should I do?

Answered 9 years and 3 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
I am gonna use my "spidey sense" here as I suspect this was another of many purchased vehicles over the internet sight unseenwith no independent inspection. If so, you maylikely find that the risk of such a purchase have come to roost and the expense of soirting it out may outweigh the expense of repairing the vehicle at your expense. Otherwise the liabilities will attach to the bill of lading as to who is responsible for the vehicle and who the delivery people legally worked for. Typically such items are FOB the dealer lot and your responsibility for transporting. ... Read More
I am gonna use my "spidey sense" here as I suspect this was another of many purchased vehicles over the internet sight unseenwith no independent... Read More

I've contacted mylife.com requesting the removal of my file from public view on their site. They have refused citing public records scans. What next?

Answered 9 years and 3 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Yes, you may have a remedy under the FCRA or other prviacy rights BUT, you may equally need to retain a lawyer at an hourly rate/retainer to address this, probably through a lawsuit. 
Yes, you may have a remedy under the FCRA or other prviacy rights BUT, you may equally need to retain a lawyer at an hourly rate/retainer to address... Read More

Software company tricked me into a download that locked my software, and is blackmailing me to get it removed. What do I do?

Answered 9 years and 3 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
You have no first amendment rights as to non government people and are always responsibel for what you say. That stated, this is likely a contract dispute or a deceptive trade practices case. You may want to hire a lawyer to pursue this but be prepared that you may need to retain the lawyer on an hourly rate/retainer rather than a contingent fee. ... Read More
You have no first amendment rights as to non government people and are always responsibel for what you say. That stated, this is likely a contract... Read More

How can I get out of this car lease without affecting my credit.

Answered 9 years and 3 months ago by attorney Sharon M. Siegel   |   1 Answer
There is nothing you can do.  You signed it.  You are responsible for what you signed.  If he defaults, you can sue him.  As of now, you are not damaged.
There is nothing you can do.  You signed it.  You are responsible for what you signed.  If he defaults, you can sue him.  As of... Read More

getting return of funds for selling script medication

Answered 9 years and 4 months ago by attorney Sharon M. Siegel   |   1 Answer
You cannot sue.  What you did was a crime.  Drop it.
You cannot sue.  What you did was a crime.  Drop it.

can i end a lease or have the vehicle replased

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
This will likely be the subject of the lease terms and conditions. AFIK Lemon Law does not apply to leases even with purchase options at the end. 
This will likely be the subject of the lease terms and conditions. AFIK Lemon Law does not apply to leases even with purchase options at the... Read More

Credit company is reporting late payments when I attempted to make that payment

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Attempted to pay is not the same actually paid. If you dont ACTUALLY pay then late reporting may be legally appropriate. 
Attempted to pay is not the same actually paid. If you dont ACTUALLY pay then late reporting may be legally appropriate. 

I have discovered that my used vehicle I purchased was made in Canada and the warranty service will not be honored in US.

Answered 9 years and 4 months ago by attorney Sharon M. Siegel   |   1 Answer
The VIN has nothing to do with the point of origin.  My Toyota was made in Japan.  The issue is whether the dealer titled the car in the USA in some jurisdiction.  If not, that is illegal.  But if you have a New York title, your question makes no sense.
The VIN has nothing to do with the point of origin.  My Toyota was made in Japan.  The issue is whether the dealer titled the car in the... Read More

Motorcycle Title

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
In Florida if you have no title, you have ZERO ownership. I would file a police report for fraud and see if the they can contact the owner for you. Either way, you may be out of a bike and the money if the owner says no sale. 
In Florida if you have no title, you have ZERO ownership. I would file a police report for fraud and see if the they can contact the owner for you.... Read More

Airplane Ticket Refund

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
This case will revolve around the terms of the trip insurance and the practical ability to enforce it. You may find that you will need to retain a lawyer at an hourly rate to review this as many lawyer will not take such a case on a contingent fee unless they are sure that they will recover legal fees from the insurance carrier. As many such products arepruchased online, this is often a difficult prospect. ... Read More
This case will revolve around the terms of the trip insurance and the practical ability to enforce it. You may find that you will need to retain a... Read More

i was marrined in florida and we brought a home we both signed for

Answered 9 years and 4 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
The court canot order the bank to do anything, as the divorce was between you and your wife. You will need to re-fi the property to remove her from the account. As the rights to the property, this shoul dhave been dealth within the divore, so you should address this with the lawyer you hired. If you cheaped out and didn't hire a lawyer for the divorce, THIS is why you do, and now you will need to retain a lawyer to help you sort this out properly after the fact.  ... Read More
The court canot order the bank to do anything, as the divorce was between you and your wife. You will need to re-fi the property to remove her from... Read More

I want to trade in my leased car, not break the lease. It's a long story.

Answered 9 years and 4 months ago by attorney Sharon M. Siegel   |   1 Answer
It depends what you signed when you made the trade.  You took the other color, so under what basis can you return a car over a color, if the oil does not leak.
It depends what you signed when you made the trade.  You took the other color, so under what basis can you return a car over a color, if the oil... Read More

Service was disconnected in June 2016

Answered 9 years and 4 months ago by attorney Sharon M. Siegel   |   1 Answer
If this is a residence, they are obligated to come.  Call the General Counsel's office instead of customer service.
If this is a residence, they are obligated to come.  Call the General Counsel's office instead of customer service.

I am an identity theft victim, someone has been using my identity since i was 10 years old

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
YOu may just have to spend some significant money hiring lawyers or security experts as the next step. 
YOu may just have to spend some significant money hiring lawyers or security experts as the next step. 

AT&T made a rerouting error and sent my phone call and text messages to my ex-husband. Can I take recourse?

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Possibly. Depends on the issues directly. You may have to pay for a lawyer out of pocket it to pursue such a case unless there are catastrophic damages and clear liability.
Possibly. Depends on the issues directly. You may have to pay for a lawyer out of pocket it to pursue such a case unless there are catastrophic... Read More

Do I have any legal recourse to demand a refund and return a whole-house water treatment system?

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
This is always the issue with home sales.....the consumer's belief that they have to make a deal. Now that you signed the agreement, you have the 3 day recission issue to comply with and you are likely boundby the written documents that you signed whatever those terms are. If you want to try to rescind the agreement and you are past the 3 day period you will need to retain a lawyer to review the records and advise you accordngly at this point. ... Read More
This is always the issue with home sales.....the consumer's belief that they have to make a deal. Now that you signed the agreement, you have the 3... Read More

My lien holder won't endorse my insurance claim check

Answered 9 years and 5 months ago by Mr. Guy Piers Coburn (Unclaimed Profile)   |   1 Answer
When your vehicle is financed, the lienholder usually requires that you maintain insurance on the vehicle to protect the value of the vehicle.  That's because, if you don't pay, the lienholder must try to get paid back by taking the car and selling it for whatever it is worth in a "commercially reasonable sale." (Usually that price is a small fraction of the amount owed on the car or its retail value).You indicated that your vehicle sustained hail damage, but you want to use the money from insurance for medical bills rather than repairs to the car.  However, the lienholder has the right to demand that the money be used to repair the car, so the car regains its value before the damage.  If the money is not used to repair the car, the lienholder has the first right to the money until the lien is paid off.So, from what you have said, it appears that the lienholder is RIGHT to refuse to endorse the check.  If you do not use the money to repair the car, then the lienholder has the right to the money, not you.... Read More
When your vehicle is financed, the lienholder usually requires that you maintain insurance on the vehicle to protect the value of the vehicle.... Read More

How do I take my name off a finance agreement?

Answered 9 years and 5 months ago by attorney Mark Tischhauser, Esq.   |   1 Answer
Short of refiancing it......you won't. There is no "I dont want to anymore" concept that applies to contracts. You have a co-signor problem in reverse and you are stuck with the results until its paid off, refinanced or repo'ed. 
Short of refiancing it......you won't. There is no "I dont want to anymore" concept that applies to contracts. You have a co-signor problem in... Read More
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