Credit card company

I had a creditor contact my work saying he was a lawyer. He claimed to be starting a lawsuite on a debt that was charged off 8 months ago. Where do I stand?

Gun ownership

*I was in a psyche hospital when I was 16. The record was expunged when I was 18.

*I take antipsychotic medication on a daily basis, and have had no incidents.

*I am 21 years old.

* I have no record otherwise and I passed by background check as a college security guard.

Can I own a gun? Primarily in VT, MA and NH

liabiltiy for payment of stolen property purchased with a credit card

my motorcyle was recently stolen and was purchased on a credit card the dealership who set up the insurance did not include theft coverage. am i liable to pay the remainder of the debt eventhough i no longer have the merchandise do to theft?

Auto warranties

I purchased n Isuzu from my sister. It is a 2004 and has a 7 yr or 75,000 mile warranty. The powertrain is damaged. The warranty is only transferable to immediate family. Of course, my sisiter and I share the same last name, but I am married. they say that to honor the warranty, you must have the same last name. Now they don't acknowledge that my sister has a warranty

Statute of limitations on credit cards

I live in Texas and have been receiving

calls about a credit card bill that has

been charged off since 2004 and how long can I be called about this?

water bill

I just found out that my house needed a water meter. I was told by my town that i will recieve a water bill for the last 6 years. i thought all along that water was coming out of my taxes. This doesn't seem fair, since the town plumber is also my plumber and was at my house a number of times and never told me i need a meter. thank you

business law

I was wondering if it is legal for a company to charge an individual a cancellation fee in excess of actual services cost? ie.. I made a reservation at a local rental store to rent a trailer for the weekend at a cost of 18.50 per day for 2 days. I picked it up on Friday brought it back on Sunday, and on Monday they charged my account over $90.00. When I called to find out why, they stated I failed to pick up my trailer so they charged me $50.00. I then asked, then why did I return it to you yesterday and you charged me also for the usage fee. Now back to the question, If I had not picked up the trailer as scheduled on Friday do they have the right to charge me for more than a two day rental price? So sorry for rambling on, just really frustrated, now trying to get my money back.

Car Accident

I rented a car and returned it to their lot. While on their lot someone else hit the car. There is no question about the facts of the accident because it happened in front of myself and their representative and the person admitted to hitting the car.They say I'm still responsible for the car because they hadn't done a final inspection. I say the car was returned to their lot a nd the key given to their representative prior to the accident so I'm not responsible. Are there any laws covering something like this.

repossesion

10yrs ago i had a car repossesed the bank sold the car at auction and sent me the remainder of the bill $6000,i never paid it, and no leagal action was taken against me, now 10yrs later a collection agency has started harrasing me for the money threatining all kinds of things. I have not responded, isnt there a statue of limitations on this? I bought the car in massachuetts.

Taking pictures while shopping

Can shop owner prevent me from taking pictures of products on the shelf, using my camera-phone (for example snapping a picture of a DVD Player inside electric shop?)''

Post Judgement Intrest

I paid an account off thru the Local court house over 2ys ago. I am now

receiving a collections notice stateing they have Judgement aginst me for a bal still owing for intrest.My file at the courthouse shows paid and has a letter of satisfied judgement from the orignal Attorney. Is it legal for this attemted collction of post judgement intrest? I have asked they cease and desist efforts.

presciption drugs

is it legal to buy presciption medications online without a prescription what companies are lega and which ones are not legal

Swapping trial information

I am suing the company who laid my driveway. I have gotten a pertrographic test done and found that it is their fault for not sealing the driveway properly to deter freeze/thaw and thus spalling. I live in Toledo, Ohio but the company who did the testing is in Illinois. Question: can the defendent supoena this company and if so, who pays for their travel to Ohio. Q2: if they ask for the test results, am I obligated to give them a copy BEFORE the trail date? Q3: the defendent may try to pin the blame on the concrete manufacturer. I know if wasn't the quality of the concrete at fauly here, but should I ask for the concrete manufacturer to 'be on my side'? Do I even need to get them involved? I am representing myself as I cannot afford an attorney. Any help is greatly appreciated. Thank you.

consumer law

I purchased a class, software and mentoring program from Whitney Education and did not use the service as I was unhappy with the company. I requested a refund and returned the software and books they sent me. The sale was over the phone. I am in CA and the company is Utah. They say I'm not entitled to a refund because I only had 3 days to cancel. I was never given any notice of this cancelation policy. Have I lost my money or is there a law about this? If there is a law could you tell me where I could find that it written? It has been 14 months. For the better part of a year they ignored me once they had my money.

Thank you.

Small Claims Judgment

We lost a small claim suit and the winner never filed his paperwork with the courts showing judgement satisfied in 2004. Now we have a higher rate for our refi on our Mortgage. I don't know what to do. The form clearly states the winner of the case file forms with the clerk upon satisfactory payment.

paid for one thing, got another

If you buy and item, and they gave you a different item, are you legally responsible to return it?

Forgery

Is it forgery if the other person has

given you consent to sign a check for

them, because they are unable (friend

absent, out of town and won't be back

before the check's expiration date)

Student loans/Bankruptcy.Consumer Attny

I had an attorney tell me that we needed a Consumer Attorney who specialized in Student Loans.

My son went bankrupt, as did we, before the new laws applied in 2005. with Attorneys advice. Student Loan was privately owned, by Chase.Was documented.We even have the emails from Sallie Mae saying that they could not be consolidated since they were ''private loans.''.He went bankrupt.Afterwards Attorney shook his hand and said, ''This is a first. you have been released.'' So did the judge.Next thing we know the attorney calls and says that we need to ''renegotiate and reclaim'' the loan after it was released at a lower rate.

We refused to let him sign it.So, how do I get a copy of the actual document of bankruptcy to see if it was actually released and that we were not being duped (he said the attorney for Sallie Mae was an old friend of his from law school and that we were being given a good offer'') The Salleie Me attorney even wanted him to resign and reclaim the debt which we refused to do. Sallie Mae has begun to call him again.He is in Default.We never would have let him BK had we known he could not get rid of the ''private loan''.Interest on his $25,000 loan is $39,000 How can this be legal?Please help?

osale of a car

I recently agreeged to sell my car. the guy has only given me $800 of the $5000. He has sice put a new engine in the car wants to sell it. The title is still in my name. Can I go and reposess my car? since he did not pay me in full.

Fallen Truck

I brought my truck to the service dept. for repairs while it was there it was damaged by falling partially off the lift. My concern is that more damage may have happened to the car than we can see such as the frame twisting b/c of the way it was laying on the lift. The truck is only like 9 months old and I've taken great care of it. The question is: Am I owed more than just the repair of my truck or should they be getting me a new one? I did buy it from one of there dealerships.