Richard Alderman's archive

Q. Three years ago, a credit card company filed a lawsuit against me. I answered the lawsuit. I heard nothing for almost two years, until I received a notice of hearing on a motion for summary judgment. Isn’t there a four-year statute of limitations for lawsuits? Shouldn’t this case now be dismissed?

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Q. I was renting a house with two of my friends. The house burned down because of the electrical fault. We still have six months more to go on lease. We did not have a renter’s insurance. The fire was not our fault. We lost most of our property. We assume the owner has insurance. Can we file to recover for our damages? Can we get compensation toward rent?

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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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