Colorado Consumer Legal Questions

The registration and temporary license is not controlling.  The sales contract is what controls and it appears that is complete. Assuming the dealer has already signed the contract, the dealer is not permitted to simply require you to "void" the sale.  That being said, if the dealer has, in fact, actually already sold the vehicle to another person, the question is how the dealer can make the situation "right."   You should ask to see a copy of the other sales contract to ensure that it pre-dates your agreement.  If the dealer has, in fact, previously sold the vehicle to another buyer, the dealer would no longer have the authority to transfer the vehicle to you. Assuming the vehicle has already been sold to another buyer, I would encourage you to work with the dealer to see if they can provide you with another similar vehicle, together with a significant concession on the price to account for the lost time, frustration, expense, etc.  Most dealers will try to do the right thing. If the dealer does not work with you to make the situation "right," you can contact the Automotive Industry Board (which regulates dealers in the State of Colorado), the Better Business Bureau, or an attorney to escalate the matter. Hope this information is helpful.... Read More

The Fair Debt Collection Act prohibits certain conduct.  That includes calling at unreasonable hours and when it is clear that you cannot pay.  Unfortunately, your remedy is to sue which is time consuming and, at best, may only result in $1,000 to you.  Your attorney's fees would be paid by the debt collector if you win and you would not pay fees if you lose. I have found that bankruptcy is the most effective tool for stopping creditor calls.  You should consult a bankruptcy attorney near you to determine if it is a good option for you and if you are eligible.    ... Read More

The most appropriate way to address this situation may be write a letter to Rent-a-Center and clearly and concisely describe the behavior and how it made you feel.   If you provide specifics, they can speak with the employees involved and take appropriate action.   This will make it less likely that the situation will happen again, whether to you or anyone else. Without more information, it is hard to determine if you have a case, but this would appear to be something which, while emotionally troubling and unsettling, does not rise to the level where legal action would necessarily be appropriate. As always, if someone is threatening violence and you are in legitimate fear of your safety or the safety of those around you, you should contact your local law enforcement agency. Please note this response is general in nature and is not legal advice. No attorney client relationship is formed by it.  Furthermore, the response does not represent the opinions or views of LexisNexis or its affiliated companies. I hope this information is helpful. Kind regards,   Cyrus Rajabi  ... Read More

I have never heard of such a thing unless the CD is/was serving as collateral for a loan or other obligation you have with the bank which would entitle them to it. If the bank seized it because of a default then you likely would have received notification of its realization on the CD and its application to that debt.  So, unless you pledged it as security, I am almost certain that the bank would have to give the CD to you upon your request less any penalties to which is it entitled as a result of your early withdrawal. If you are not receiving a satisfactory response from the representative denying your request to withdraw the CD, I suggest you move your way up the chain of command. For instance, speak with the branch manager, have that person call their supervisor or legal counsel, etc. Try it in writing as well and send the letter to the Bank President to be sure it gets the attention you deserve. If your efforts with the bank fail, I suggest that you contact the bank's regulator. Who that is will depend on the type of bank it is, but you could start with the Consumer Financial Protection Bureau (www.cfpb.gov) which can point you in the right direction.... Read More