Richard Alderman's archive

Q. I pay my bills by mail. My due date is the first of the month and I have a 10-day period before they charge a late fee. I always mail my check by the tenth day. The company has begun charging me interest and a late fee. How can I be charged a late fee if I can prove my payment was mailed before the due date?

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Q. I am 60 years old and my English is not very good. I usually get very nervous speaking to a group or to people I don’t know. I want to file a claim in justice court, but I am afraid I will not be able to communicate well with the judge. I know I can have a lawyer, but that will be expensive. I have a grown son who has said he will assist me, but I don’t know if that will be allowed. Can my son help me in court?

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Q. How many days do I have to change my mind after I buy a car? I signed a contract late at night and went in the next morning to cancel. The dealer told me I was out of luck and couldn’t change my mind. My friend told me I have three days to change my mind.

A. The dealer is correct. As far as the law is concerned, you generally cannot simply change your mind after you sign a contract.  There are exceptions, however, for health spa contracts, door-to-door sales, timeshare contracts and certain contracts that put a lien on your homestead.

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Q. I just moved out of my apartment. I gave proper notice and left it cleaner than when I moved in. I have been told this landlord does not return security deposits. How long do I have to wait to find out if mine is being returned? What can I do if it is not?

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Q. My friend was late on her rent at an apartment complex. One day she came home and found a lien notice where her TV used to be. They took both of her TVs in the apartment. Isn’t this stealing? Is this legal for them to do?

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