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Kentucky Consumer Law Questions & Answers
2 Answers | Asked in Traffic Tickets and Consumer Law for Kentucky on
Q: Pulled over in Kentucky with expired tags and no insurance; options and penalties?

I was pulled over in Kentucky with expired tags for two years and no insurance. The officer cited me for these violations. I have no prior violations, and although I am getting insurance today, I don't have the funds to renew my tags. What are my options, and what potential penalties am I facing?

Timothy Denison
Timothy Denison
answered on Mar 16, 2025

If the tags are corrected, they will likely be dismissed. If you did not have insurance, that will likely be a $500 fine and court costs, part of which may be suspended by the Court. No insurance is also an enhanceable offense, which means if you get another No Insurnace charge within five years... View More

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2 Answers | Asked in Consumer Law, Civil Litigation and Criminal Law for Kentucky on
Q: Dispute over forced payment for tow truck services in vehicle sale.

My fiancé sold a vehicle to a buyer, and the buyer arranged for a tow truck to come to our home to pick it up. The buyer needed a jump box, and when asked, my fiancé assisted by using the tow truck driver's jump box. The buyer paid the tow truck driver, but the driver also requested payment... View More

John Amos Whatley
John Amos Whatley
answered on Mar 11, 2025

Your fiancé may have legal grounds to dispute the payment, as he did not request the tow truck's services and had no contractual obligation to pay. To address the situation, he should gather all relevant documentation, including receipts, communications, and any witness statements confirming... View More

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2 Answers | Asked in Civil Rights, Constitutional Law, Consumer Law and Health Care Law for Kentucky on
Q: What type of lawyer do I need to do a class action lawsuit on a Medicaid KY rehab facility in Mercer county KY
James L. Arrasmith
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answered on Jul 21, 2024

To pursue a class action lawsuit against a Medicaid rehab facility in Mercer County, KY, you'll need a lawyer with experience in class action litigation and familiarity with healthcare law. These types of cases often involve complex regulations and multiple plaintiffs, so having someone who... View More

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2 Answers | Asked in Civil Rights, Constitutional Law, Consumer Law and Health Care Law for Kentucky on
Q: What type of lawyer do I need to do a class action lawsuit on a Medicaid KY rehab facility in Mercer county KY
Tim Akpinar
Tim Akpinar
answered on Jul 26, 2024

Reaching out to attorneys who handle health care litigation could be a starting point. An experienced attorney should be able to determine if the theory of your contemplated lawsuit would lend itself to a class action lawsuit. Law firms that handle class actions tend to be large, with considerable... View More

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1 Answer | Asked in Bankruptcy, Consumer Law and Landlord - Tenant for Kentucky on
Q: Did my landlord violate the automatic stay ?

I filled bannkrupy by myself may 17. Landlord was very much aware of my bankruptcy. Landlord filed evictions on me June the 7th with no premision from the court. I got served with eviction papers June 11. Landlord filed a motion to dismiss the eviction the day before eviction court but I still went... View More

James L. Arrasmith
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answered on Jul 2, 2024

Based on the information provided, it appears that your landlord may have indeed violated the automatic stay that goes into effect when you file for bankruptcy. Let's break this down:

1. You filed for bankruptcy on May 17.

2. The automatic stay goes into effect immediately upon...
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1 Answer | Asked in Consumer Law and Internet Law for Kentucky on
Q: Cashapp says u have a limit to how much money you can add. One says $1,000 for a rolling 7 days and another says $25k.

I had added $500, $200, $200 and tried three times adding another $100 to pay my car insurance yesterday. Keep in mind that they keep $1 for every time you add money so the 500 was $499, the $200 I added $201 and again I added $201. Then it declined my $101 for my car insurance and said I had added... View More

James L. Arrasmith
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answered on Apr 6, 2024

It sounds like you are experiencing some frustration and confusion with the limits and policies of Cashapp. Here are a few thoughts on your situation:

1. Conflicting limit information: It does seem odd that Cashapp is displaying different weekly and monthly transaction limits in different...
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1 Answer | Asked in Consumer Law, Car Accidents and Insurance Defense for Kentucky on
Q: Vehicle was deemed a total loss, but I want to buy back the vehicle. I still owe on the loan.

The total settlement number they gave me would be more than I owe, but the salvage price to keep the vehicle would make the new amount less. I understand that would leave me with the remaining loan balance. Adjuster told me that they won’t release any funds until the loan is paid in full. I was... View More

Tim Akpinar
Tim Akpinar
answered on Mar 28, 2024

A Kentucky attorney could advise best, but your question remains open for a week. You'll probably need to go through the figures with them in more detail than is possible here. But the basic principle is that keeping the vehicle will reduce the payment. If a vehicle is old and low value, it... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Public Benefits for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To initiate a process against the Kentucky Department of Community Based Services (DCBS) for alleged criminal violations, including potential civil rights violations under "color of law," you would typically start by documenting all relevant incidents, including dates, times, and... View More

1 Answer | Asked in Criminal Law, Consumer Law, Civil Rights and Constitutional Law for Kentucky on
Q: how would i go about filing criminal charges against ky. dcbs ensuring claims made against dcbs are fully investigated

how would i go about filing criminal charges against ky. dcbs office in such a way as to ensure that any claims made against that dcbs office are actually investigated as they should be and not just ignored or swept under the rug or tried to be turned into anything other than the actual criminal... View More

James L. Arrasmith
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answered on Feb 24, 2024

To pursue criminal charges against the Kentucky Department for Community Based Services (DCBS), you should start by gathering any evidence or documentation related to the alleged misconduct. This could include emails, letters, or records of interactions with DCBS officials. Additionally, it's... View More

1 Answer | Asked in Consumer Law and Contracts for Kentucky on
Q: If a dealer sold me an RV, that I have not taken possession of, and there is no title, do I have to take it? In Kentucky

The dealer has been less than transparent

James L. Arrasmith
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answered on Feb 23, 2024

In Kentucky, you are not obligated to take possession of an RV from a dealer if there is no title available. It is essential to ensure that all necessary paperwork, including the title, is in order before finalizing the purchase and taking possession of the vehicle. If the dealer has been less than... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: I bought a car at a buy here pay her car lot a part on the car broke down the buy here pay here car lot said they would

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

1 Answer | Asked in Consumer Law for Kentucky on
Q: Police impounded my car and arrested me. Grand jury did not indict. Do I have to pay tow an storage to get car back

I was arrested on Feb.21,2023. Ispent 12 days in jail an I could not pay the amount when I was released. I received notice of No true bill by Grand Jury 9 months later on Nov. 30 2023. The police said that a private tow service got it but that they called them upon my arrest. Vehicle was parked... View More

James L. Arrasmith
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answered on Feb 2, 2024

If you were arrested, spent time in jail, and your car was impounded, but the grand jury did not indict you, you may have a valid claim to retrieve your vehicle without having to pay for towing and storage fees. Start by obtaining all documentation related to your arrest, release, and the no true... View More

2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

James L. Arrasmith
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answered on Feb 2, 2024

Facing a situation where your car was left with a buy here pay here car lot, and it returned with mold inside due to being left in the rain is frustrating. Firstly, document the condition of the car before you left it with them, if possible. This will help establish the contrast in the car's... View More

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2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Buy here pay here car lot caused rain damaged to my vehicle whole they were repairing it

It so I left it with them they had it for 2 months I just got it back today and the whole inside of the car is covered in terrible mold it wasn't like that before the car lot left it in the rain what can I do

T. Augustus Claus
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answered on Feb 1, 2024

If a buy here pay here car lot caused rain damage to your vehicle while repairing it, resulting in mold inside the car, you may have legal options to address the situation. First, document the damage by taking photographs and collecting any relevant evidence, such as repair invoices or... View More

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1 Answer | Asked in Consumer Law for Kentucky on
Q: Do I have to pay auto dealership service dept?

Hit a deer in my 2014 nissan maxima. My car cut off upon impact. Had car towed to a nissan dealership to have diagnostics ran on it. They said it needed new ECM, oilpan replaced due to hole bein in it, and needed frt brakes done. Cost was gonna be $3700.00. I told em to put new ECM on, and oilpan.... View More

James L. Arrasmith
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answered on Nov 17, 2023

In your situation, you are generally obligated to pay for the services and parts provided by the auto dealership's service department. This includes the new ECM and oil pan they installed, as per your agreement. However, since the car is still not running despite these repairs, it's... View More

2 Answers | Asked in Business Law, Consumer Law, Real Estate Law and Personal Injury for Kentucky on
Q: Property ownership and insurance dispute after tornado damage in KY

I purchased a tower and beams from a private individual in Kentucky who was renting a property. The individual was moving out, and the items originally belonged to her deceased father. Unfortunately, a tornado destroyed the tower and beams before I could remove them. The property owner now claims... View More

Timothy Denison
Timothy Denison
answered on May 29, 2025

Hore lawyer to file a breach of contract action against the property owner.

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2 Answers | Asked in Consumer Law and Civil Rights for Kentucky on
Q: Issues with incorrect and missing orders from Speedway through DoorDash, seeking legal advice for resolution.

I have ordered from Speedway online through DoorDash in Ashland, Kentucky, but received incorrect items, including items I am allergic to, and much of my order was missing. The order included hot food that was not available at the time I ordered. However, Speedway failed to notify DoorDash that... View More

Timothy Denison
Timothy Denison
answered on May 27, 2025

You’ll likely be throwing good money after bad if you try to pursue this legally. The damages legally are speculative in nature and your concerns, while understandably frustrating, may not rise to the level necessary to maintain a lawsuit to a successful conclusion.

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2 Answers | Asked in Construction Law, Contracts, Consumer Law and Real Estate Law for Kentucky on
Q: Can I win a case against a construction company for poor workmanship and inadequate repairs?

I hired a construction company for home renovations, but I've had multiple issues with their workmanship, including a bad Sheetrock job, poor painting, and incorrect cabinets. They damaged my front and back screen doors, suggested I bill insurance for damages, and offered inadequate repairs.... View More

Timothy Denison
Timothy Denison
answered on May 26, 2025

Assuming the professional assessment confirm shoddy work and workmanship, you might win a judgment against them. Take lots of pictures of all of the deficiencies.

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2 Answers | Asked in Consumer Law and Contracts for Kentucky on
Q: Car purchase facing credit denial despite prior approval.

I recently purchased a car from a dealership, and they assured me that my credit of 735 was approved for financing. A contract was completed, and the dealership was paid. However, I just received a letter from the credit union stating that my credit was denied. The dealership says the issue is out... View More

Timothy Denison
Timothy Denison
answered on May 25, 2025

Keep the car and start making payments as agreed under the sales contract.

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1 Answer | Asked in Consumer Law, Gov & Administrative Law and Real Estate Law for Kentucky on
Q: Legal concern about cemetery pricing and installation rules in Jefferson County, KY.

Is it legal for a cemetery in Jefferson County to require individuals to purchase a basic rectangular headstone directly from them for $8,000, despite similar custom headstones available from third parties costing around $200? The cemetery insists on this purchase and does not allow third-party... View More

James L. Arrasmith
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answered on May 14, 2025

Your frustration is completely valid—what you’re describing feels like an unfair restriction, especially when there are much more affordable options available. In Jefferson County, KY, and in most parts of the U.S., private cemeteries are allowed to set their own rules for what headstones they... View More

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