Richard Alderman's archive

Q. Like many people, I am hosting a holiday party. I am concerned about a guest leaving drunk and driving. I always do all I can to prevent that from happening. In the past, I have even taken keys away from someone who was obviously not in any condition to drive. I was curious, however, could I be liable if one of my guests left drunk and had an accident after my party?

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Q. Can I be arrested for not paying my credit card bill? The debt collector said he is sending the police out to my house if I don’t promptly pay.

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Q. I owe a lot of money and can’t seem to ever catch up with my payments. I am constantly harassed by debt collectors. I have been told that even if I file bankruptcy, I will still owe my student loans. Is this true? They are one of my largest debts.

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Q. I just bought a present to give someone for Christmas. The store told me that if she didn’t like it she could exchange it, but that there were no returns. I decided not to buy it because I was afraid she wouldn’t like it and it was a small store without a lot of selection. Is it legal for a store to not allow you to return a gift and get a refund?

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Q. I signed a lease with my friend that does not end until February. She is now getting married and wants to move out and have her name removed from the lease. Even though my credit is good and I can afford the rent, the landlord will not remove her name. What can we do to get her name off the lease? She is having trouble renting another apartment.

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