Richard Alderman's archive

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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Q. Is it true that medical bills or accounts are not allowed to remain on your credit report for more than four years in the state of Texas?

A. It is not true. Medical bills are basically the same as any other debt. They stay on your credit report for seven years. There is a four-year statute of limitations for filing a lawsuit for a debt; however, the fact that you cannot be sued does not mean you no longer owe the debt, and it will not become “obsolete” and removed from your credit report for seven years.

 

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Q. I would like to know if the property manager of an apartment project can refuse to give the tenant the owner’s name if the tenant requests it.

A. According to the Texas Property Code, the landlord or property manager must disclose the name and address of the holder of record title after you request it. If the information is not disclosed, you could be entitled to $100 plus one month’s rent in damages, as well as attorney’s fees and court costs. I suggest you send your request by certified mail.

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