Richard Alderman's archive

Q. I owe a lot of money and can’t pay my bills. My largest debt is for a student loan. I have been told that even if I file bankruptcy, I will still owe my student loans. Is this true?

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Q. I am moving out of my apartment. I know a landlord cannot deduct from a security deposit for “normal wear and tear.” What is normal wear and tear? Does the statute have a definition?

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Q. Is it lawful for a landlord to request a walk through every four months as part of a lease for a rental property? I’ve leased several homes and I have never had a landlord even suggest something like this. I feel like my privacy would be violated if I agreed to this. Therefore, I’m contemplating not signing the lease.

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Q. I had a divorce in January 2012. In the decree, a 2012 Toyota Corolla was awarded to my ex-wife. When we bought the car, it was in her name as the buyer and mine as the co-buyer. My ex-wife had been doing very well, making all the payments on this car, until April of this year. I thought my attorney had sent Toyota finance the divorce decree to show she was liable for all future payments.

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Q. I recently had a small fire in my apartment. I think it was caused by the new clothes dryer I had installed. The landlord collected for the damage to his building from his insurance company. Now the insurance company is coming after me for $60,000 because of a clause in my lease. This fire was not my fault. How can I be sued?

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