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Recent Consumer Protection questions

I just purchased a timeshare with HGV a few days ago. After

I just purchased a timeshare with HGV a few days ago. After reading reviews I feel like I have been scammed. How many days do I have to back out of this? I've already signed papers and everythingJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: We were in Florida I live in AlJA: Has anything been filed or reported?Customer: No I just now looked up reviewsJA: Anything else you want the lawyer to know before I connect you?Customer: No I can't think of anything else

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Ray

Lawyer

Doctoral Degree

41,504 satisfied customers
I signed a contract online with Innovative Online Design.

Hi, I signed a contract online with Innovative Online Design. The cost for services was $6,000.00. I attempted to cancel twice within their 3 day cancellation policy. I foolishly agreed to try the program. I had 1 50 minute lesson. Long story short, the $6,000.00 charge was dropped from my credit card because they did not process it. I know I made a very large mistake but do not want to continue with them. I do not know what to do. Thank youJA: What state is this in? And when did the issue begin?Customer: The merchant is in Washington and this began on 3-15-17. I am in OregonJA: Has anything been filed or reported?Customer: The contract I signed was filed with them.JA: Anything else you want the lawyer to know before I connect you?Customer: I do not think this is a reputable business..

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INFOLAWYER

Attorney

Juris Doctor.

41,550 satisfied customers
Is there a time limit to paying back a Stafford student

Is there a time limit to paying back a Stafford student loan? I graduated in 1997 and I am coming up on 20 years since I started paying them back.JA: What state are you in? It matters because laws vary by location. Has anything been filed or reported?Customer: Oklahoma, I am still paying them off as of right now.JA: Anything else you want the lawyer to know before I connect you?Customer: No ma'am.

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Legal Eagle

Attorney

Doctoral Degree

1,530 satisfied customers
If a dentist gives you an estimate on the cost of implants

If a dentist gives you an estimate on the cost of implants of $12K, then charges you $16K+ because of an extra procedure he did without telling you the cost? Is this legalJA: What state are you in? It matters because laws vary by location. Has anything been filed or reported?Customer: ColoradoJA: Anything else you want the lawyer to know before I connect you?Customer: No thanks

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Legal Eagle

Attorney

Doctoral Degree

1,530 satisfied customers
I have a question. I have fmla and I called off and I forgot

Hi I have a question. I have fmla and I called off and I forgot to get a doctors excuse, I have a lot going on right now and I am not a bad person by any means but i took an old one and put the date on for when I missed and I turned it. Nt doctor would of given me one anyway. Well she asked me if I used white out and I was honest and said yes I did and that I ws sorry rhst I had forgotten to and thst they needed it when I came back ans j just panicked and changed a date on an old one. I'm going to go in today and pick one up from the actual doctor today for it. They didnt fire me or anything but she told me that it is fraud and I cant be doing that which I know. Like I ssais I never did anything like that before and I was in a bind and I just actef on impulse. And now I am kinda worried like I said they didnt fire me or anything but I just wamt to know what kind of trouble you can get in for just changing a dateJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: PaJA: Have you talked to a lawyer yet?Customer: No I havent because I don't think they are going to take any actions agaisnt me. I'm just wondering what happens when someone does someyhing like that because I'm freaking out and I'm worried just because I really need my job and I honestly dont do anything like this.JA: Anything else you want the lawyer to know before I connect you?Customer: No

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KJL LAW

Juris Doctorate

2,176 satisfied customers
I was in an automobile accident that was my fault. I have

I was in an automobile accident that was my fault. I have Allstate insurance and had been seeing their commercials on first accident forgiveness during the time before and after the accident occurred. I live in California and what I found out is that the forgiveness clause does not apply in California. The commercials have no disclosures and I know Allstate has been taken to court over this and lost. Allstate has already increased my premiums over 50% for the car damage and are still negotiating over the medical part. What was the outcome of the previous case that was lost and what if any recourse do I have for the "forgiveness" clause applying for me on the accident?

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LegalPro54

Doctoral Degree

19,782 satisfied customers
I was in a car crash and I had to use my uninsured motorist

I was in a car crash and I had to use my uninsured motorist insurance and GEICO gave me a big packet of queations and trhe want me to release ALL my medical record information. It sounds like their trying to scam out of paying the billsJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: IdahoJA: Has anything been filed or reported?Customer: Police reports and I have filled a claimJA: Anything else you want the lawyer to know before I connect you?Customer: Not sure. It just seem their trying to find a reason not to pay, because I was wounded in Iraq in 2003

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LegalPro54

Doctoral Degree

19,782 satisfied customers
TERM CARE INSURANCE QUESTION: Which of our 3 strategies

LONG TERM CARE INSURANCEQUESTION: Which of our 3 strategies listed below do you think would be most likely to succeed in persuading my wife's LTC insurance company to extend to her their RECENT offer made to others? The LTC Co. offered to convert policies of her type to a PAID UP status in return for it's maximum liability being limited to premiums already paid . They have stated their PAID UP offer was mailed to policy holders on 6/17/2016 and expired on 12/25/2016. However , we did not receive it until March 9, 2017 and only when I asked why my wife's premium had increased .We no longer want to pay any more premiums for this policy . She has already paid $30,000 , and it has just increased their rates again. And, the company's pay criteria is almost impossible to meet: She would have to concurrently fail at least 2 of the 6 activities of daily living ,and continue to fail them every 12 months, or to have mentally deteriorated to the extent that she was a risk to herself or others. We great doubts she will ever receive any benefits.THREE STRATEGIES WE ARE CONSIDERING:STRATEGY 1: JUST ASKING FOR SAME DEAL OFFERED TO OTHERS . LTC CO. BENEFITS:POTENTIAL $30,000 PROFIT. It keeps my wife's $30,000, which it may never have to pay out.b. AVOID LOSING A LOT : Under my wife's present policy, the ins. co's potential liability is an unlimited dollar amount for the remainder of her lifetime .(this could be substantial based on her Dr's statement at attachment 1)c. ELIMINATE LOSING ANYTHING: Under the 6/17/2016 offer , the LTC Co's liability is limited to the $30,000 already paid by my wife.d. AVOID CLAIMS: a substantial number of claims we will be submitting because of my wife's poor physical health (see Dr. statement at attachment 1)e. AVOID SANCTIONS: Totally avoid the time and expense of responding to complaints we will make to the SC Insurance Commission , the Consumer Protective Agency and all other regulatory authorities of Bad Faith , and misrepresentation with the obvious intent of never paying any claims.To make the paperwork work, we could date and sign their paperwork to 12/25/2016 and they could keep the premiums she has paid since 12/25/2016 as an extension fee.STRATEGY 2: FULL REFUND OF $30,000 MY WIFE HAS PAID BASED ON THEIR AGENT AND THE LTC CO'S BAD FAITH :AGENT a). Since he sold us this policy in 2000, their agent who has been receiving renewal commissions for over 16 years , has never contacted us once. b). Out of desperation ,when my wife was really having serious health issues in 2015 as described in attachment 1, I called the agent him to ask for help and answers to questions. He said he was retired and no longer had our files , and best thing to do was call the company. c). After this disheartening discussion, I noticed that even the LTC company had stopped copying him on correspondence to us in 2007. d). The same agent used high pressure tactics when he sold us her policy stating without his policy when she got old our children would have to take care of us. e. Upon receiving my call for help in 2015, and realizing he couldn't help my wife, it is apparent he didn't ask the LTC company to assign a new agent to my wife, otherwise we would have been told by the LTC Co and the new agent would have contacted us. .BAD FAITH LTC COMPANY:a)NO ACTION TO INSURE POLICYHOLDERS ARE BEING SERVICED BY AN ACTIVE AGENT: After their agent retired ,which the company knew about as it stopped sending him correspondence copies , it took no action to assign my wife with a new agent after it stopped sending him correspondence copies in 2007. Had a new agent been assigned this new agent would certainly have alerted my wife to the LTC Co's 6/17/2016 letter containing its very important and valuable offer it was making to her in time for her to take advantage of it's very valuable offer. .B) LTC CO MADE IT DIFFICULT FOR POLICY HOLDERS TO *****: After the completely unsatisfactory response from their self proclaimed retired agent, who didn't want to be bothered, in desperation I sent the LTC Company , Great American, the letter at attachment 2. to the address shown on my wife's policy. It was returned as undeliverable. The Post Office note on the envelop stated " no such number -unable to forward ". It is evident that Great American has felt it wasn't important to keep their forwarding address up to date, otherwise policy holders might send them a letter. I count 4 address changes. Nor, even to keep policy holders up to date as to which insurance company now owned their policy: First it was Great American , then it was United Teachers, then we get a privacy notice from Continental Insurance . It was only by calling the telephone # on the privacy notice that I was eventually to track down someone who could explain why the bank draft for my wife's LTC premium had increasedC) LTC CO DID NOT WANT TO PROVIDE THE FREE ADVISORY SERVICES PROMISED IN THEIR POLICY: In my 4/20/2015 letter to Great American my wife's LTC Co, (which was returned) , I asked for a new agent for her, and that they assign her with a care advisor to help identify her specific needs and services and programs in our area that could best meet her needs. Their policy promises they will pay 100% of the cost for this service with no elimination period required.As described in the statement from my wife's Doctor at attachment 1 ,this advisory service would have been a tremendous help to her. It still be now, but this LTC CO is not sincere ,not reachable and to difficult to deal with.STRATEGY 3: $120,000 IN DAMAGES: After 17 years of collecting $30,000 in premiums from my wife ,without providing any service whatsoever or paying any claims, my wife's health has deteriorated and she is now un-insurable. Since she can be expected to stay a minimum of 3 years in an assisted living facility or nursery home at a present annual cost of at least $40,000 , without any trustworthy LTC insurance, she will have to bear this cost with her personal funds. To compensate her for this unjustified expense, we are requesting damages in the amount of $120,000.Which strategy 1,2 OR 3 would be most likely to be successful. Any advice would be most appreciated.Dick Daeger

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INFOLAWYER

Attorney

Juris Doctor.

41,550 satisfied customers
Second opinion] Can a person be charged with fraud that

Second opinion] Can a person be charged with fraud that intentionallJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: Nevada - person a washington residentJA: Has anything been filed or reported?Customer: We have the written report by the security investigator.JA: Anything else you want the lawyer to know before I connect you?Customer: assault/battery case whereby the very false information

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Zoey, JD

Doctoral Degree

33,378 satisfied customers
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