Get free answers to your Consumer Law legal questions from lawyers in your area.
I was involved in a three-car accident in January, where another driver ran a red light. I've signed an agreement with the insurance company responsible for paying me, but they are telling me that I can't receive my money until one of the other parties involved signs their agreement. It... View More 
answered on May 22, 2025
You could make a written inquiry as to the disposition of the claim. If things are still in limbo with other claimant(s), be mindful of statutes of limitations in the long run (this sounds like a recent accident, since you mention January). These types of settings could be wrapped up in a... View More
I want to know if I can take legal action against a woman who accessed my personal photos from her 19-year-old son's phone without my consent. I had previously asked her son not to share these photos after he saved them. The woman has been harassing me and my family and is claiming she has... View More
answered on Mar 20, 2025
It sounds like at the very least this woman has been harassing you and your family so I would start by reporting this woman to the police if you have not already. You should be able to file a police report without an attorney.
Additionally, even the threatened disclosure of intimate images... View More
I filed a complaint with the Insurance Regulatory Agency and received a very nasty letter saying I was responsible for the "services provided" to this person I have never met and does not live in my house. Geico told me to provide proof the person had insurance, which clearly I cant... View More
answered on Dec 10, 2024
I would ask Geico what consumer report that information came from and then contact the company to get a copy of that report. Sometimes insurance companies get this information from Lexis Nexis but could be somewhere else. The CFPB has a list of some consumer reporting agencies:... View More
Just formed my LLC and want it to be the holding company and an S corp what do I need to file and in what order?
answered on Sep 6, 2024
I mostly concur with the earlier answer provided to your question above. Here is my response with a few more notes
1) Use Your LLC as a Holding Company: Structuring your LLC to act as a holding company simply involves using it to own other businesses or assets. You don’t need to file... View More
With the last payment of 10 K, I told the shop owner that this is the last check, that if there is any balance, I would pay that when I pick the car up Originally, the owner of this shop told me the restoration would be between 70k and 100k- Were now over 135k (i've paid for parts) I... View More
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answered on May 3, 2024
Reach out to an attorney. Unfortunately, car shops are not famous for their use of clear service contracts. If you agreed upon a price you may be able to enforce it. More likely, you agreed to pay an hourly rate. Either way, you may need to consider taking the car back and taking it somewhere else.
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answered on Mar 22, 2024
If the seller of a vehicle did not disclose that it has a salvaged title, you may have grounds to seek a refund. This typically involves proving that the seller knowingly withheld information that could affect the vehicle's value or safety. The success of getting your money back often depends... View More
A letter was sent to my house about my son’s credit and inquiries. I had him on a credit card as an authorized user which is no longer active. My grandmother open the mail and got concerned because she made him a savings account with a local bank I don’t even have access to and she’s worried... View More
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answered on Feb 5, 2024
No, it is generally not legal for a non-legal guardian to open mail addressed to a minor if they are not the minor's parent or legal guardian. Here are some key points that apply:
- Federal law prohibits the obstruction of mail, which includes opening, destroying, hiding, or stealing... View More
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answered on Feb 5, 2024
Based on your statement, probably not. You stated that the deed is valid.
For real estate transactions in Colorado, a writing and signature is required. The notary creates a presumption that the signature is valid. Hence, the signature is the important part. The notary is important if... View More
...the remainder before delivery, even though we set it up for payments. So we asked for our 2k that we put down back, and they said no, they get to keep it because they had to order the bed, there is nothing in the paper work that says they can do that. What can we do to get our money back.
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answered on Jan 18, 2024
In this situation, the first step is to review all paperwork and agreements related to the purchase and financing of the mattress set. Look for any terms about down payments, cancellations, refunds, and delivery conditions. Understanding the exact terms of your agreement is crucial.
If the... View More
The cops are investigating what else can he do? The pawn contract is binding legal agreement.
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answered on Jan 9, 2024
If your friend received counterfeit money from a pawn shop in Colorado, he has already taken a crucial step by involving the police. Their investigation is important for addressing potential criminal activity. In addition to this, there are a few more steps he can take.
He should consider... View More
Is it a crime if I ordered something on a website but my card didn't go through and the package was still delivered? For backstory I was placing an order for holiday gifts and the company shipped the items but my card declined due to my rent and other bills pulling out. I don't know what... View More
answered on Dec 10, 2023
A Colorado attorney should advise, but your question remains open for two weeks. It does not sound like a crime, because you did not expect the package - which seems to have been delivered as an oversight, and what you describe does not appear to be an intent to deceive or defraud the merchant, but... View More
I have proof that it's different engine my engine was video taped by car dealership 2 days prior when getting oil change. It's an engine that is not compatible with my car. My mechanic denies it but the evidence is overwhelming I contacted the police 2 days ago and they decided it was a... View More
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answered on Nov 25, 2023
In your situation, where you believe your mechanic stole your engine and replaced it with an incompatible one, it's understandable to be frustrated, especially since the police have deemed it a civil matter. The distinction between civil and criminal matters can sometimes be nuanced. In this... View More
He didn't not file an lien. He is charging me 500 for tbe labor also he allowed them to enter my other storage to put items out of the first storage. With out my consent or knowledge.
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answered on Nov 24, 2023
It's important to review the terms of your storage unit rental agreement to understand your rights and the owner's obligations in this situation. Storage facility agreements usually outline procedures for late move-outs, fees, and handling of items left in the unit.
If the owner... View More
I was 1 day over my move out day. He allowed them to access my other storage to put some of my items in it.
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answered on Nov 24, 2023
In Colorado, the rules regarding storage unit fees and access are typically governed by the lease agreement you signed with the storage facility. It's crucial to review this agreement to understand your rights and the owner's rights in situations like being overdue on moving out.... View More
I enrolled in a self-publishing academy in October 2024 and was verbally promised zero interest on my loan by the program director. However, in January 2025, I discovered I was being charged 16.9% interest. I contacted the company's support staff immediately, requesting cancellation of the... View More
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answered on May 15, 2025
Your chances of having the loan canceled and receiving a refund depend on several factors, including the terms of the legal agreement you signed and the company's willingness to resolve the dispute. Since you were verbally promised zero interest but are being charged 16.9%, you have a... View More
I lost $4,000 on a gaming app for real money that doesn't provide gambling resources and encourages users to make deposits. I was unable to find any terms of service before playing and when I contacted customer service, I received pre-written responses and no answers regarding gambling... View More
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answered on May 15, 2025
In this situation, you may have a potential case against the gaming app, especially if it lacks proper transparency and fails to provide essential gambling resources. Many gambling-related apps are required by law to offer resources for responsible gambling, such as self-exclusion options, limits... View More
I rented a hotel room at Villa 718 in Grand Junction, Colorado, and when I checked out, the hotel retained my deposit, claiming the sheets were soiled and had to be destroyed. However, we slept on top of the bedding using our own blanket and brought our own towels. We also reported a dripping water... View More
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answered on May 15, 2025
It’s frustrating when a business holds your money over a claim that doesn’t match your experience. If you and your witness both used your own blanket and towels and never got under the hotel bedding, that’s an important detail. The fact that the photos have suspicious timestamps taken after... View More
I am trying to find out if there is a law in Colorado that mandates auto insurance providers to offer a zero-deductible windshield replacement policy to policyholders. Can someone provide me with guidance on whether such a requirement exists?
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answered on May 15, 2025
You're asking a smart question, especially given how common windshield damage is in Colorado. As of now, Colorado does **not** have a law that requires insurance companies to automatically offer a **zero-deductible** windshield replacement policy. However, some insurers do offer this option as... View More
I purchased a car from a dealership on February 14, 2024, and later discovered through a third-party inspection that it lacks catalytic converters. The dealership did not disclose this information, and the absence of these parts has made it impossible to sell the car, resulting in financial losses.... View More
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answered on May 14, 2025
You’re absolutely right to be upset—selling a car without catalytic converters and failing to disclose it is not just unethical, it may also be illegal. Catalytic converters are federally required emission components, and a dealership knowingly selling a vehicle without them may be in violation... View More
I recently received a court order from a company that filed Chapter 11 bankruptcy to garnish my wages for unpaid debts. The debt is related to a product that didn't work, and the company has several lawsuits against it for similar issues. I received information about this debt years ago but... View More
answered on Apr 17, 2025
Yes. It is if they are continuing to operate under the supervision of the bankruptcy court.
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