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Consumer Rights/Questions
| Subject | Date Asked | Expert |
| payday loans | 5/31/2012 | Rob Painter |
| Q: I borrowed $2500 KNOW THEY SAY I OWE 12,0000 what is this all about. A: By a guess, I bet you borrowed from an Indian nation in ND. They advertise the money is expensive. ... | ||
| Rudely treated and assaulted at a restaurant | 2/20/2012 | Rob Painter |
| Q: I came here to this restaurant expecting a great night before our winter formal dance (just remember ... A: I am sorry you had a bad experience, I am not a lawyer, but have had enough life experiences at the ... | ||
| billing for services not rendered | 12/28/2011 | Rob Painter |
| Q: Have security system contract for 3 yrs, 21 months complete, house fire 12/9/2010, notified them for ... A: Yes, it is a real problem with these big companies in which you go nowhere talking to a supervisor ... | ||
| car title | 11/18/2011 | Rob Painter |
| Q: Mr. Painter, i hope you can give me some feedback on this. my husband bought a car from a used car ... A: I wonder how you kept the car registered for 10 years without the title. This sounds like a tote-a- ... | ||
| Breakers Electronics. | 11/3/2011 | Rob Painter |
| Q: I went to an electronic store to get a price for a vehicle stereo and installation. I was quoted for ... A: Gives you the impression this is not their first rodeo with their airtight contract. Did you have a ... | ||
| billing for services not rendered | 10/8/2011 | Rob Painter |
| Q: Have security system contract for 3 yrs, 21 months complete, house fire 12/9/2010, notified them for ... A: My first thought is ADT, but maybe not. All these large firms such as Direct TV, ADT, ATT, and so ... | ||
| they will let you die for the money | 10/6/2011 | Rob Painter |
| Q: i am a disabled mother living on small disability and child support my health is bad i am bedriddon ... A: Believe it or not, I am in the same physical shape as you. I have 11 herniated discs in my spine. 2 ... | ||
| boat bought from prvate seller | 8/11/2011 | Rob Painter |
| Q: Found boat on craigslist 2 to 2 1/2 weeks ago. Met with seller, he implied boat worked fine, even ... A: The term Caveat Emptor (buyer beware) comes to mind. Implied verbally means nothing. You did not say ... | ||
| payday loans | 7/30/2011 | Rob Painter |
| Q: I went to a payday loan place and received a loan but some issues arrised to where I couldn't pay on ... A: Pay day loans are very expensive, but when you need the money, you don't look at the deal you made ... | ||
| eating in the store | 6/29/2011 | Rob Painter |
| Q: Rob Painter My friend and I were eating a loaf of bread at the store, we fully intended to pay for ... A: Well, don't know the legality because there is no way I know what you would be charged with as it ... | ||
| Phone scam/ social security # | 3/16/2011 | Rob Painter |
| Q: I was involved in a cell phone scam which involved my social security #. My SSN was compromised when ... A: Identity theft is a major problem. I know of no easy way to get a new SS short of an act of ... | ||
| title on car | 3/6/2011 | Rob Painter |
| Q: my nephew is going to buy a car of his grandpa and wants to know if the grandpa can come take the ... A: Evidently Grandpa has confidence enough that he will be paid by signing the title over. Grandpa is ... | ||
| payday loan | 2/23/2011 | Rob Painter |
| Q: I live in Maryland and yesterday I received a call from a number in hammil, ca. The person, who was ... A: I am not an attorney and do not give legal advice. If this is not you and someone stole your ... | ||
| auto insurance claim | 11/22/2010 | Rob Painter |
| Q: My wife's truck was hit buy a drunk while she was at work.Underneath the back tail light there was a ... A: The bad news is that the insurance company is not responsible for repair of pre-existing damage. ... | ||
| need advice can u help | 9/5/2010 | Rob Painter |
| Q: recently i brought my car into bmw dealer to get free diagnosis of my car for subframe being torn ... A: Sounds like my luck. I work in the court system and have found such dates are firm. We call them ... | ||
| ATV refund rights | 7/14/2010 | Rob Painter |
| Q: Bought 2 Lifan off brand ATVs on July 2....on July 6th, both units quit working....one was starter ... A: Please note I am not an attorney, but have been in the retail arena with vehicles, products ... | ||
| refund of a check | 4/15/2010 | Jennifer Bilodeau |
| Q: i had purchased a motorcycle through a local dealer in dallas area. he deposited the check and did ... A: You did not purchase the item and you are entitled for the return of your deposit. As described, ... | ||
| truck purchase | 4/14/2010 | Rob Painter |
| Q: I paid this private seller a cashiers check and they will not give me the title or anything in ... A: I am not sure why you are asking me for an answer on this, but I will tell you that you have gotten ... | ||
| credit reporting issues | 3/30/2010 | Jennifer Bilodeau |
| Q: I have two issues. On both issues, I would like to ask if I have any recours to correct my credit ... A: With regard to the car dealership, your loan documentation (where the balance was rolled over to the ... | ||
| check cashing | 3/13/2010 | Jennifer Bilodeau |
| Q: I went into a payday loan store to cash my check, they said that I had a outstanding balance due to ... A: Payday loan stores are to be avoided at all costs. Payday loans are known to give you a 300% or ... | ||
| credit card fraud | 2/23/2010 | Jennifer Bilodeau |
| Q: Someone got my credit card number and must have made a fake card. (Capital One claims a card was ... A: The first thing you need to do, immediately if not sooner is to send a formal letter of dispute to ... | ||
| server/I just toldthen traspassing | 2/18/2010 | Jennifer Bilodeau |
| Q: i have a long driver way in a wooded area when they come late at night to the door will not say who ... A: By all means if you don't know these people, you don't have to answer the door. I would definitely ... | ||
| Credit Card error | 2/12/2010 | Jennifer Bilodeau |
| Q: "I got a credit card approx.1.5 yrs ago. It was a $500 limit with only $350 available. I now owe ... A: If you only have a $500 limit with $350 available, that should mean your balance is $150. This is ... | ||
| Credit not received | 2/1/2010 | Jennifer Bilodeau |
| Q: I purchased multiple items from an online vendor in July of 2007. One of the items had a three year ... A: Given the amount of time, the company should have credited to the card they charged. Without seeing ... | ||
| hidden stipulations | 1/31/2010 | Jennifer Bilodeau |
| Q: I recently responded to an advertisement on the weather.com web site about a "colon cleanse" product ... A: The contract appears to disclose all the terms and how a consumer must cancel. The link you ... | ||
| Mortgage | 1/25/2010 | Jennifer Bilodeau |
| Q: My mortgage company has not credited a recent payment to my account, and are now saying I'm past ... A: Make sure the proof of payment from Western Union is the actual routing/dates the money landed. ... | ||
| Rights against company that misrepresented its services | 1/13/2010 | Jennifer Bilodeau |
| Q: I booked a stay at the Sandals resort in the Bahamas online. They clearly state that they do not ... A: There really is not too much you can do because the Bahamas is not subject to consumer laws here in ... | ||
| Am I within rights, do you think? | 12/31/2009 | Jennifer Bilodeau |
| Q: A place where I hold an account with released information, academically and financially about my ... A: I am attending on-line college myself. They really should not have discussed any "past due ... | ||
| Credit Report | 12/28/2009 | Jennifer Bilodeau |
| Q: I am being sued by a collection agency for a Capital One debt that was charged off in 2001. They ... A: Each state has different laws pertaining to the statute of limitations stating when they can ... | ||
| Someone is using my name | 12/16/2009 | Jennifer Bilodeau |
| Q: About 2 years ago, during an Internet search (www.zabasearch.com), I found someone using my name in ... A: Identity theft is never a good thing, however, zabasearch isn't exactly a determining factor of ... | ||
| being told owing for another's debt | 11/16/2009 | Jennifer Bilodeau |
| Q: my husband and i have been told by our local gas comapny that we owe them for his late mother's gas ... A: The gas company CAN attach the estate, but they can not attach the bill to you or your husband. If ... | ||
| Medical Insurance | 11/14/2009 | Jennifer Bilodeau |
| Q: Jennifer,my employer-provided health insurance recently paid the expenses of my unwed 17 yr old ... A: It really depends on the policy. There very well may be an exclusion for your situation. Also ... | ||
| being told owing for another's debt | 11/6/2009 | Jennifer Bilodeau |
| Q: my husband and i have been told by our local gas comapny that we owe them for his late mother's gas ... A: You are not responsible for the debt. There have been a number of lawsuits against collection ... | ||
| Fraudulent Charge | 10/26/2009 | Jennifer Bilodeau |
| Q: How do I effectively fight an unfair collections claim? I have tried numerous times to cancel XM ... A: Keep your dispute simple with the collection agency. Don't get into the details or the saga of ... | ||
| car broke into | 10/26/2009 | Rob Painter |
| Q: My care was broke into were the radio (not stock radio) and a radar detector were stolen. The ... A: Although I do not know your specific policy language, I can give you a general answer. They will ... | ||
| Medical Bill | 10/24/2009 | Jennifer Bilodeau |
| Q: I saw a Dr in his office in May 2007, paid my co-pay after the visit. A year later in Aug 2008 I ... A: Ultimately you are responsible for any bill your insurance carrier does not pay. However, the ... | ||
| Notice of Intent to Sue | 8/25/2009 | Barnette Law Offices LLC |
| Q: I've receive a Notice of Intent to Sue on Aug. 22, 09. Jason Shear was gracious in telling me about ... A: Betty: No, I beleive that John Watts whose firm owns that site only practices in Alabama. If you ... | ||
| RE: Credit card minimum payment | 8/24/2009 | Linda Brooks |
| Q: Chase increased my minimum payment from 2% to 5%. I read the literature sent in regards to this ... A: If you are communicating with the call center, I can clearly see your frustration. As you may ... | ||
| Your answer to "Medical bill 2.5 years later" | 8/16/2009 | Linda Brooks |
| Q: Brooks -- I am eager to see the answer from 4/23/09 entitled, "Medical bill 2.5 years later." When ... A: I had copied and paste my answer to you. Let me know if you have any questions. Thanks! Linda ... | ||
| Credit Reporting | 8/9/2009 | Barnette Law Offices LLC |
| Q: In February 2002 I filed bankruptcy. The case was discharged in May 2002. At the time my attorney ... A: Gary: Your only viable option is to dispute the public record with the credit reporting agencies. ... | ||
Rob Painter
Top Expert on this page
Expertise
I am not an attorney, nor can I give legal advice. I can however answer questions related to stolen vehicles when the insured is denied payment due to misrepresentation. My goal is to sort through all the puported facts in order to determine the truth as to how the vehicle was last operated. I work for insurance companies and against them when their "Forensic Expert" did not do his job in an unbiased manner. Commonly these theft insurance denials are based on the information supplied in the "forensic" report on the vehicle. In most cases conclusions inferring the insured's key (proper key)was used last, based on net opinion with no basis. I scrutinize these reports as to what theories were or were not ruled out.
Experience
I have served as a consultant/expert for plaintiff & defense attorneys since 1998 in 14 different state jurisdictions as well as federal court. I was also the defense expert in a USAF court martials in which we prevailed. I do not take full credit for the prevailing side. It is a joint effort by the client attorney and my extensive knowledge on auto theft, forced entry, forensic ignition analysis, transponders, vehicle fire origin and cause etc.
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