An Apt complex ran my credit and the criminal history states I have 4 misdemeanors and 3 are out of state. States I have never been to . None of them are mine. I called the company who ran my credit and they said they ran my name and DOB in public...
You need an attorney who is experienced in the Fair Credit Reporting Act. Although wrongful criminal records may not seem like "credit," this area of industry is governed by the FCRA. And I handle FCRA cases. Feel free to check out my profile in AVVO and at my firm's website choiandfabian.com .See question
MY MOTHER WAS INVOLVED IN A CAR ACCIDENT IN MY CAR, OTHER DRIVER RAN THE RED LIGHT GOING OVER 45MPH AND HIT THE DRIVER SIDE. THE CAR IS A TOTAL LOSS, HOWEVER THE AIRBAGS NEVER DEPLOYED. I WANT TO KNOW IF I NEED TO PURSUE THIS LEGALLY AND HOW AND W...
I am sorry to hear about the crash, and hope your mother is relatively well.
Whether air bags should have deployed is a complicated issue. Much depends on the direction of the impact, the type of air bags, etc.
However, unless you mother sustained serious injuries because the air bags did not deploy, then it most likely is a good thing that the air bags did not deploy.
Air bags are designed to save life and limbs. Therefore, airb ags generally should deploy only in such circumstances.
As a personal injury lawyer, I have represented many people who suffered fairly serious injuries such as fractured bones in hand and torn tendons and laceration caused by air bags. Therefore, unless your mother suffered serious injuries due to air bags not deploying, then she should be thankful that the air bags did not deploy.
If she did suffer serious injuries, then she should talk to a personal injury attorney. Otherwise, it probably was a good thing that the air bags did not deploy.See question
My fiancé bought a car in may and he is now trying to switch the loan to a different loan, only to find out that the car is preowned when the dealership sold it as a new car, they did not tell us that the car had been bought before, only that they...
That is outrageous. Often times, dealers will sell a “spot delivery” or “yo-yo sale” vehicle that came back as a new vehicle. Arizona has a specific statute that governs this:
A.R.S. § 28-4422. Resale of new motor vehicles
A motor vehicle dealer may resell a new motor vehicle if all of the following apply:
1. A certificate of title is not transferred from the person who first acquired the new motor vehicle from the manufacturer or importer or agent of the manufacturer or importer.
2. The new motor vehicle is returned to the selling motor vehicle dealer.
3. The motor vehicle dealer gives written notice to the retail consumer that the vehicle was delivered to a previous purchaser.
4. The retail consumer signs an acknowledgment of receipt of the written notice prescribed by paragraph 3 and the motor vehicle dealer maintains a copy of the acknowledgment in the dealer's records.
It sounds like the dealer failed to comply with requirement #3. Having said that, I would not be surprised if the dealer sneaked in a compliant form during the signature process. Finance managers often present 10-15 forms for a buyer to sign in a hurry without providing proper explanations. To make the matters worse, dealers then only give a copy of the about 2-3 signed documents.
In your case, the best thing to do is go back to the selling dealer, explain what you learned, and ask for an explanation and fair adjustment of the price. If the dealer refuses, then you should contact an attorney.See question
By that I mean they failed to give me my title, registration, and license plate. I purchased the vehicle in Dec. 2015 and I still don't have any of them. The dealership is located in Hawaii and I am located in Arizona. Bought the vehicle while I w...
If you have a similar problem with a dealer in Arizona, you can go to the local MVD office and file a “title complaint.” MVD will then assign an investigator to look into why the dealer failed to transfer title and register the vehicle it sold to a consumer.
Because you purchased your vehicle in Hawaii, you should contact the governmental enity in Hawaii that regulates the dealers. I did a quick research and it looks like this form is something that is closest to Arizona’s title complaint form: http://cca.hawaii.gov/rico/files/2013/07/mvi_complaint_form.pdf.
In addition, if the the Hawaii dealer “arranged” the financing, you should send a written notice to the finance company and ask it to intervene. I say “financing” because the dealer actually is the creditor, and dealer then sells the rights to received your monthly payments to a finance company. In such a situation, the finance company maybe is responsible for the dealer’s misconduct. This ca get complicated and you should contact a lawyer if this is the fact in your situation.
Much luck to you.
Will I got a car "as is " but 3 days later the transmission give out. And I got the car from a dealership. From day one the car give me problems. Is there anything I can do about it. I got the car for 4000.00. The shop I took it to told me I was ...
Arizona law requires all licensed dealers to provide 15 days/500 miles implied warranty in vehicles they sell. And this warrant must be promptly displayed in the front page of the contract. Specific items can be excluded, but the exclusion also must be on the front page of the contract.
If a dealer fails to include this warranty on the front page of the contract, you have a right to cancel the contract.
You should examine your contract carefully to see if the implied warranty is on the front page. If not, you should demand cancellation of the contract.
If the contract contains the implied warranty, you have certain rights under that warranty. However, it is difficult to enforce if the dealer does not live up to its obligations. Some dealers will drag on the process (without giving any documentation) until the 15 days period expires, and then claim there was no problem found within the 15 days period.
If you are still within the 15 days or 500 miles (whichever is earlier) period, you should get an written report of problems from an independent repair shop, and then demand the dealer repair the problem. If the dealer still refuses, you should seek legal counsel.See question
I live in Mesa, Arizona. I "bought" a car last week (2-11-16), signed the financing agreements, and took possession of the vehicle. I get a call today (2-18-16) from the dealership - they need me to come in because the banks - as the salesperson p...
I am answering this on my cell. So please excuse any typos.
This is called yo-yo delivery. It is not legal in some states, but it is legal in Arizona. Your contract (the long one with interest rates) will have this contingency in both front and back.
Dealers sometimes use this to make you sign new contract with increased profit. It is hard to tell what is truky going on.
Your best response is to ask the dealer to cancel the contract and give your money back. As long as you did not sign any separate document stating you will pay mileage or use fee, you should get all of your down payment back.
And you should try to communicate via email so you have written proof. Good luck.See question
I bought a pre-owned certified 2011 Altima from them on 02/09/2014 not knowing that the car was involved in an accident, the airbag deployed and it has a structural damage. They hid all of these information from me, they never reported it to Carfa...
This practice is most likely fraudulent in many levels. If the dealer truly inspected the vehicle as CPO program required it to do, it should have discovered the evidence of prior crash and repairs. Even if the dealer missed what should be obvious signs of prior crash and repairs, it should act fair after you brought the CARFAX information to its attention.
Your problem is the arbitration clause. Most of the dealers (as far as I know, this dealer uses arbitration clause) have arbitration clause buried in its contract. With such an arbitration clause, you cannot file a lawsuit. You lose your constitutional right to take your dispute to the jury. Car dealers know the jury usually will side with cpnsumers, and against a car dealer. I have taken 4 undisclosed wreck cases to the jury and obtained punitive damages in every one of them. The arbitrations, on the other hand, are conducted in front of an arbitrator – usually a retired judge or lawyers with lots of corporate experience. While the arbitrators mean well, they are very reluctant punish a business. I have taken no less than 5 undisclosed wreck cases to arbitrations, and never had punitive damages assessed against car dealer in arbitrations. For a good report on unfairness of arbitrations, please see the following 3 part report by New York Times:
Even with arbitration clause, you should consider pursuing this dealer. You should look for an attorney at National Association of Consumer Advocates website. http://www.consumeradvocates.org/find-attorneySee question
put down for car and put alot of work to it,couldnt make payment for a broken car. So took car back .7 years ago this happen there still sueing me. Can they?
As attorney Glenn Allen points out, the time to argue about the lemon law may have come and gone. The only potential argument related to the lemon may be if the dealer failed to describe the 15 days/500 miles implied warranty on the front page of the contract. If you still have the contract, you should have it reviewed by an attorney.
In addition, the statute of limitations may be a good defense for you. Statute of limitations requires a lawsuit to be filed within a specified time. A typical breach of contract case will have a six year statute of limitations in Arizona pursuant to A.R.S. §12-548. However, a different set of statutes called the Uniform Commercial Code (UCC) governs sale of goods (which includes automobiles). Specifically, A.R.S. §47-2725 governs deficiency lawsuits (which most likely is the lawsuit filed against you) following a repossession of a vehicle. The relevant part of this statute says:
A. An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued.
When does the cause of action accrue – when does the time clock start ticking? – is another issue. Typically, it is interpreted as the date you first missed the payment. If you returned the vehicle and stopped making payments 7 years ago, then the statute of limitations will be a good defense.
There are, however, exceptions. For example, if you made any payments recently because of badgering from the creditor, or if you promise din writing to make payments, that can restart the 4 years period. Thus, you should gather together all relevant documents and consult with an attorney.See question
I purchased a used vehicle in April. 2015. Unbeknownst to me I purchased a manufacturer buy back. This was only disclosed to me upon receiving the title. I also purchased an extended warranty & was not able to use it when the car quit on me & had ...
You may have a number of claims. Of course, a detailed investigation must be completed before fully assessing possible claims. However, based on the facts you described, you may have a violation of Arizona Consumer Fraud and breach of contract claims against the dealer. You may also have a breach of contract and insurance bad faith claim against the extended warranty company. You should gather all documents together and have an attorney (that handles claims against car dealers and extended warranty companies) investigate the facts.See question
My wages were garnished for a debt from a broken lease. The judgement was satisfied. I have the paper work that states the case # and that it was satisfied. Now, 1 year later, the collection agency is coming after me again for the same exact amoun...
In addition to the FDCPA violation This may also be a Fair Credit Reporting Act (FCRA) violation if the Collection agency is reporting this on your credit report. You should check your credit report. You should then consult with an attorney that handles FDCPA and FCRA cases for your options. A successful handling of FCRA case requires specific technical knowledge and therefore you should seek an attorney that is knowledgeable about FCRA.See question