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Connecticut Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law for Connecticut on
Q: Can someone sue you for using their card if they gave you permission to do so via text?
James (Jake) Dunigan
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answered on Dec 2, 2024

Potentially. If the card was used for something that was not intended or for an amount that was not agreed to. There is also the problem of authorized users on a credit card. Regardless of whether the owner of the card gave you permission you likely did not have permission from the credit card... View More

1 Answer | Asked in Consumer Law, Personal Injury and Internet Law for Connecticut on
Q: Hello. I intend to file a suit against a company that's not located in my home state of CT.

Hello. I intend to file a suit against a company that's not located in my home state of CT. The other company is located in Wyoming and California, as well as other countries. It seems very vague as to whether or not I can file the suit in CT. Can anyone clarify this? What I can tell you about... View More

Alan Harrison
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answered on Sep 9, 2024

Yes, you can file suit in CT for an injury that happened here, and it is something that a licensed CT attorney like myself could help with. You should be aware that a "foreign" (out-of-state) company could try to have the case "removed" to Federal court if the amount in dispute... View More

1 Answer | Asked in Civil Litigation and Consumer Law for Connecticut on
Q: I have 2 cars that was impounded by the cops and was moved 3 times by a towing company for the police do I have to pay?

The towing company said I had to to get the cars out. Shouldn't the police have to pay because they're the ones that moved them?

James L. Arrasmith
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answered on Jun 15, 2024

If your cars were impounded by the police and moved multiple times by a towing company, it's common for the vehicle owner to be responsible for the towing and storage fees, even if the police initiated the impoundment. This can be frustrating, but typically, the police department contracts... View More

1 Answer | Asked in Consumer Law, Contracts, Products Liability and Personal Injury for Connecticut on
Q: Is it legal for a CT car dealership to claim a hold agreement as the purchase date on a not-ready-for-sale vehicle?

I visited a car dealership in Connecticut on June 13, where I signed what I was told was a deposit or hold agreement on a used vehicle that had a "Not Ready for Sale" sticker. No terms were explained, and I wasn't provided a copy. The sticker stated it required a federal Used Car... View More

James L. Arrasmith
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answered on Jul 19, 2025

It’s understandable to feel misled when you thought you were simply placing a deposit on a “not ready” car only to later see that date treated as your purchase. In Connecticut, a holding agreement or deposit slip can become part of the contract only if its terms are clear, mutual, and reduced... View More

2 Answers | Asked in Consumer Law, Contracts and Civil Litigation for Connecticut on
Q: Sued car seller for misrepresentation of salvage/rebuilt title in Connecticut.

I purchased a car on July 12, which was advertised as having a clean title. Today, July 17, I found out that the car is actually salvage/rebuilt when I attempted to register it. The seller suggested registering it through someone he knows, but I requested a refund, and he refused. I have a picture... View More

Alan Harrison
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answered on Jul 17, 2025

This sounds like a claim under Connecticut Unfair Trade Practices Act, and you may be entitled to an award of attorney fees for such a claim. See https://www.cga.ct.gov/current/pub/chap_735a.htm#sec_42-110g.

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1 Answer | Asked in Consumer Law and Insurance Bad Faith for Connecticut on
Q: Challenge to pet insurance claim denial for CCL tear due to alleged pre-diagnosis presence.

I'm challenging a denial from my pet insurance provider which has a six-month waiting period for CCL tears. My policy began on November 25, 2024, and my dog was diagnosed with a possible CCL tear on May 28, 2025. The insurance provider claims the tear might have existed before diagnosis,... View More

James L. Arrasmith
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answered on Jul 10, 2025

You're right to feel frustrated—this kind of denial can feel like a technicality rather than a fair decision based on the facts. If your dog's policy began on November 25, 2024, the six-month waiting period would have ended around May 25, 2025. Since the diagnosis happened just three... View More

1 Answer | Asked in Consumer Law for Connecticut on
Q: Can I face legal issues for selling a coin without knowing its price on eBay?

As a seller on eBay, I am listing a coin and have disclosed in the listing that I do not know the value of the item. The coin's authenticity has been verified, and there are no known issues with it. I am not knowledgeable about coins and want to know if I could face any legal issues or be sued... View More

James L. Arrasmith
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answered on Jul 5, 2025

You are unlikely to face legal issues simply for selling a coin on eBay when you’ve clearly stated that you do not know its value. What matters most is that you are honest and transparent in your listing. As long as you are not misrepresenting the condition, authenticity, or features of the coin,... View More

1 Answer | Asked in Contracts, Civil Litigation and Consumer Law for Connecticut on
Q: Need help canceling a home improvement contract after a missed cancellation period.

I signed a home improvement contract on June 16th with Five Star Bath Solutions, and I recently learned about a 3-day cancellation period in the contract which had already passed. I communicated in writing to cancel the contract since no work or payments have occurred, but the company became... View More

James L. Arrasmith
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answered on Jun 25, 2025

Even though the 3-day cancellation period has passed, your legal right to cancel may not be entirely lost—especially since no work has started and no money has changed hands. Courts often look at whether any actual performance occurred and whether enforcing the contract would be fair under the... View More

1 Answer | Asked in Consumer Law for Connecticut on
Q: Am I covered by Connecticut's used car warranty as a Pennsylvania resident?

I am considering purchasing a used vehicle from Connecticut, but I live in Pennsylvania. Will I be covered under Connecticut's used car warranty laws once the purchase is made?

James L. Arrasmith
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answered on Jun 10, 2025

You're right to ask this before finalizing your purchase—used car warranty laws can vary a lot from state to state. In Connecticut, there are strong consumer protections for used car buyers, including mandatory warranties based on the car’s age and mileage. These laws apply to *sales made... View More

1 Answer | Asked in Collections and Consumer Law for Connecticut on
Q: Can a hospital send an account to collections despite regular payments in CT?

I have been making monthly payments of $55-$65 to a hospital for about a year due to multiple hospital stays for serious health issues, including a stroke. There are unwritten terms established about two months ago for consistent monthly payments, and I have not missed any payments. Despite this,... View More

James L. Arrasmith
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answered on Jun 10, 2025

What you're experiencing is frustrating and disheartening, especially when you’ve made a good-faith effort to pay consistently. In Connecticut, hospitals do have the legal right to send accounts to collections, even if you're making payments—unless there's a formal written... View More

2 Answers | Asked in Car Accidents, Consumer Law, Insurance Defense and Personal Injury for Connecticut on
Q: Received a bill for guardrail damage from accident over 3 years ago. How to proceed?

I received a bill from the State of Connecticut Department of Transportation for $2,082.66 for an accident that occurred over three years ago, in which I hit a guard rail. I did not receive any prior communication about this bill. At the time of the accident, I filed a claim with my insurance for... View More

Tim Akpinar
Tim Akpinar
answered on May 24, 2025

You could present the bill to the insurance carrier who insured you at the time of the accident. They might tell you that the claim is closed, but if this is the first time you are being presented with these damages, you could explain that. Good luck

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1 Answer | Asked in Consumer Law, Civil Rights and Gov & Administrative Law for Connecticut on
Q: What legal actions can I take about hidden cameras installed in my unit without proof?

I have been informed by professionals and believe that hidden surveillance cameras have been installed in every room of my unit. Although I don't have tangible proof, the situation is reportedly well-known and organized by individuals in the building and people close to me. Management does not... View More

James L. Arrasmith
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answered on May 14, 2025

You have a strong expectation of privacy in your own home, and secretly installing cameras in every room without your consent likely violates both criminal anti‑voyeurism laws and civil privacy rights.

First, document what you can—dates, times, locations where you hear devices, and any... View More

1 Answer | Asked in Car Accidents, Consumer Law, Civil Litigation and Personal Injury for Connecticut on
Q: Handling a minor parking lot accident claim with dashcam footage

After a minor tap to the rear bumper of a 2019 Honda Accord in a parking lot, the other driver and I exchanged personal information and initially agreed to handle the matter without involving insurance. Several days later, the other driver's husband contacted me and showed me the car, which... View More

James L. Arrasmith
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answered on May 14, 2025

You're in a situation that a lot of people find themselves in after low-impact parking lot accidents. Since you have dashcam footage showing very minimal contact, that footage could be a powerful tool if the other party is inflating the damage or repair cost. Just because someone shows you a... View More

1 Answer | Asked in Immigration Law, Identity Theft, Personal Injury and Consumer Law for Connecticut on
Q: How long does the Federal Government have to file charges in a federal immigration case involving identity theft, injury disclosure failure, and false payment claims?

I am involved in a federal immigration case where my employer allegedly committed identity theft between November and December 2023. There was also a failure to disclose a personal injury from a slip and fall at work. Additionally, the employer claimed I was being paid during a period when I was... View More

James L. Arrasmith
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answered on Apr 12, 2025

In federal cases involving identity theft, the statute of limitations can vary depending on the specific charges. For identity theft, the federal government generally has up to five years from the date of discovery to file charges. If your employer’s actions involve false payment claims or other... View More

1 Answer | Asked in Consumer Law, Personal Injury and Identity Theft for Connecticut on
Q: Strong case against a powerhouse. I have 1 solid issue to win on. But there's another issue. Is it worth it to mention?

I have a case against a powerhouse of an institution. And I have a strong issue to prevail on. But there's a couple of other issues that I could bring up. Not really to "win" on, or through. But, instead, one could be mentioned to fully paint the picture of what this company is... View More

Tim Akpinar
Tim Akpinar
answered on Oct 8, 2024

A Connecticut attorney could advise best, but your question remains open for a month. Your post raises many general considerations in a lawsuit. However, without knowing the context and additional details, it is difficult for any attorney to offer meaningful guidance on your questions. Yes, there... View More

3 Answers | Asked in Consumer Law, Products Liability, Banking and Identity Theft for Connecticut on
Q: If I file 1 lawsuit against 2 parties, will I win only if I prove both are guilty? Or one is guilty and I still win?

I'd like to know what is required to win a case like this. Is the only way to win is to prove both parties are guilty? Or can the case reveal that just one of them is, and they're 100% responsible? The other party would be off the hook. But I would still win the case. Is this how they... View More

Tim Akpinar
Tim Akpinar
answered on Sep 12, 2024

A Connecticut attorney could advise best, but your question remains open for two weeks. There is no quick, direct answer that applies in all settings of the type you describe. It could depend on the roles of the parties, their relationship, legal theories posed, legal issues that need to be proven... View More

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1 Answer | Asked in Civil Litigation and Consumer Law for Connecticut on
Q: I have 2 cars that was impounded by the cops and was moved 3 times by a towing company for the police do I have to pay?

The towing company said I had to to get the cars out. Shouldn't the police have to pay because they're the ones that moved them?

James L. Arrasmith
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answered on Jun 15, 2024

When the police impound your vehicles, it is typically the vehicle owner's responsibility to pay the towing and storage fees, even though the police initiated the impoundment. The towing company works on behalf of the police, but the costs are usually passed on to you as the vehicle owner.... View More

1 Answer | Asked in Consumer Law, Personal Injury, Products Liability and Car Accidents for Connecticut on
Q: Airbags didn’t deploy when I was hit on the highway. Do I have a case?

I currently have a personal injury lawsuit pending against the driver of the box truck who sideswiped me on the highway and admitted fault on scene. It later occurred to me that we were going around 65-70 mph when he hit me and none of my airbags deployed despite my car being totaled. Do I have a... View More

Bill Beckert
Bill Beckert
answered on Jan 2, 2024

Your question indicates you have a case pending. If you have an attorney, I would suggest this question should be directed to them.

1 Answer | Asked in Consumer Law, Tax Law, Traffic Tickets and Admiralty / Maritime for Connecticut on
Q: “Cash price” means the total amount in dollars at which the seller and buyer agreed the seller would transfer unqualifie

“Cash price” means the total amount in dollars at which the seller and buyer agreed the seller would transfer unqualified title to the goods, if the transaction were a cash sale instead of a sale under a retail installment contract.

Tim Akpinar
Tim Akpinar
answered on Sep 23, 2021

A Connecticut attorney could advise best, but your question remains open for five weeks. There didn't appear to be a question, but possibly an outlining of terms or definitions in a contract. You may have resolved the matter by now, but if not, you could reach out to Connecticut attorneys... View More

1 Answer | Asked in Consumer Law, Lemon Law, Products Liability and Small Claims for Connecticut on
Q: Can I sue a repair shop/dealership for the entirety of my vehicle due to shotty repairs?

The car has gone into this shop with a full coverage warranty. They would keep the vehicle in their shop for multiple weeks to repair simple things, and return the car with the same problems. This continued over the course of 2-3 years, until the engine failed and was considered totalled. The... View More

Peter N. Munsing
Peter N. Munsing
answered on Jun 19, 2021

Unlikely at this point. You'd need an expert to testify that the engine fialed due to what they did and for no other reason. Part of the problem is also you kept taking it back--the law would say some of that's on you, because you didn't want to have a competent mechanic look at it.... View More

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