Refusing to pay part of a installment plan I know very well that not paying a loan of any sort can traumatize your credit score, and depending on the loan agreement could also impact you legally. What about installment plans? Where no agreement is signed and no money is actually borrowed? The context is, I went to a US/MO college and each semester was paid by an installment plan of 2 payments. I've never taken any loans out, I always pay the installments in full and in cash. Halfway through one semester I stopped attending. I had already payed the first installment. However the second installment I have yet to pay because I never attend the second half of the semester. They're now threatening me. If I do not pay this installment they will contact a collection agency. I don't care about the loss of academic credits nor do I care about the transcript. I'm only wondering: Do I have a legal obligation to pay them? Can the collection agent use the unpaid installment to affect my credit score?
Most Likely Yes to both. It really depends on the nature of your agreement, oral agreements are as legally binding as written ones, but as a matter of evidence in court written contracts are of course better. So looking at your agreement: did you agree to pay the full amount, in return for a place to study? Or did you specifically agree to pay on a rolling basis, where you pay for however long you actually study? I would believe that you had agreed to the first type of agreement, since that is what most study contracts are. And if that's the case: You pay to be allowed to attend, whether you actually attend or not isn't important. And even if you pay on a rolling basis, I would think in a lawsuit the court would find that - judging on previous payments - you'd have agreed to pay on a per semester basis, meaning that the incomplete semester would round up and you would still have to pay for it. I would lean yes to the 2nd question (but im not sure so anyone with more info please chime in). This answer can be more useful if you be specific about the terms and conditions of your study
What credit agreement? A credit agreement involves someone advancing you money which you agree to pay back with interest - there is nothing like this here. You entered a contract for the course the terms of which were that, at your election, you could either pay upfront or pay by monthly instalments. That's not a credit agreement, it's a straightforward contract for services with alternative payment terms. One of the other terms was that if you withdrew then the full amount would be immediately payable. Under normal contract law principles, this is all fine. Consumer Law Under UK consumer law, you have a right to cancel a contract for services formed off-premises if you do so within 14 days. "... around 1 week and then around another week ..." might be within 14 days; if it is, you are entitled to a full refund; if it isn't, you owe the money. There are also rules about what information they needed to give you. If they haven't then they have committed an offence and the contract may also be void.
I am not a lawyer, I am not your lawyer, I am unfamiliar with the jurisdiction I demand you give me your hat! You're not going to, are you? The point of that is that you are not obliged to do anything just because someone demands that you do. Now, if I had a court order that required you to give me your hat ... It appears that there is some confusion over who owns some land in Nebraska. This is a problem; it is not your problem. From my understanding which is entirely based on this: A warranty deed is a type of deed where the grantor (seller) guarantees that he or she holds clear title to a piece of real estate and has a right to sell it to the grantee (buyer). you would be extremely unwise to sign such a deed since it is in no way clear that you (or anyone) does have clear title. Now I take it that you are not interested in owning land in Nebraska and even less interested in getting into a legal battle over it. If that is the case then I suggest that you consult a local lawyer and ask for his advice on the following plan of action: You and your wife will renounce any claim that you may have if: You do not guarantee that you have any claim or title, The person to whom you are making this grant indemnifies you against any legal action that may result, They will prepare the documents, Your lawyer will review them, They will reimburse you for your lawyer's fees. Come back and tell us how this works out. Edit to address subsequent questions Can you be responsible for costs? Well, anything is possible but it would be extremely unlikely. If there was any wrongdoing it was many years ago by someone else! If you approach this in a reasonable way and attempt to assist in reaching a resolution (so long as it doesn't cost you time or money) then it is highly unlikely a court would award costs against you. What about background checks? This would be a civil case. It would not appear in your criminal history. While it is a matter of public record all it really means is that you and someone else had a dispute that required a court to settle; happens all the time.
There are not enough facts to draw a conclusion First, it’s not clear that the document you signed amounts to a contract. For example, what consideration did the school give you in return for the permission you gave them? Providing you with an education doesn’t count - they were legally obliged to do that already. If it is a contract then whether and how it can be revoked would depend on the terms of that contract witch I’m guessing you don’t have a copy of. Notwithstanding, as a minor, you have the right to void the contract until a reasonable time after you turn 18. Even if it is now many years since that happened, it might be reasonable since you only just discovered the website. If it isn’t a contract, then it would be revocable at any time. Practicalities Make a fuss and they may take the photos down even if they are not obliged to. They presumably have plenty of photos of kids who aren’t you and aren’t complaining and if you make it so it’s easier to change the website than to deal with you, thy’ll change the website. I suspect their inertia is because they once paid a web developer to create the site, it has never since been updated, they don’t know how to do it, and they don’t want to have to pay someone to find out. Otherwise, why would they have photos of ex-students rather than current students? If so, an offer by you to cover the costs, might solve your problem.
What would you suggest I should do in this situation? Do not sign the NDA and do not get intimidated by Mr A. Instead, think about how you can prove the terms you two already agreed. Mr A is trying to override the initial agreement with one which clearly is more favorable to him. Your problem is that proving the terms of a verbal agreement is quite difficult, especially once the counterparty's/partner's attitude has worsened that much. This is why you two should have signed a contract at an earlier stage. Hopefully at least some your communications with him are in writing, since the substance of those records might support your account of the facts and therewith a fact-finder could infer the terms of the initial agreement. In those communications Mr A might have inadvertently said something that weakens or defeats his legal position. Depending on how much your friend knew about the matter, you might also want to secure an affidavit from him, any written communications you had with him in that regard, and also ask him (in writing) to preserve records of any communications he has had with Mr A from the time your friend was making the connection that led to this partnership. That being said, it is important to emphasize that these lines of action will be unavailing if you agree to Mr A's new terms.
you cannot be compelled to accept a modified lease that you never agreed to, and that was not even shown to you when you discussed the issue. You should notify the management in writing at once that you reject this "offer" and do not plan to transfer under those terms.
It is hard to tell what the statement in the OP that &quot;95% of the contract disputes are won/lost directly by the contract itself&quot; was intended to mean. It isn't literally true. A breach of contract claim requires a showing in every case of (1) the existence of a contract giving rise to a contractual duty, (2) an unjustified breach of one or more of its valid terms, and (3) to recover more than nominal damages, a showing of the amount of damages caused by the breach. In the simplest of breach of contract cases, say, a promissory note default case, proof of the existence of a signed original promissory note, and business records regarding the defendant's payment history establish all of these elements, and establish a prima facie case that the defendant is unable to seriously contest. One possible intended meaning of the statement that you are paraphrasing is that usually the existence or non-existence of acts allegedly giving rise to a breach of the contract are undisputed and that the litigation primarily boils down to what the contract required in the fact of undisputed extrinsic evidence of breach of contract. This is not my experience. The overwhelming majority of contract lawsuits are basically collection actions for non-payment of an invoice, for foreclosure of a lien, or for eviction for non-payment of rent, in very simple transactions, where the party with a payment obligation has undisputedly failed to perform and the performance by the party to whom payment is due is not seriously disputed either. Probably 90%+ of contract cases have this character and are resolved by default judgment. A majority of the remaining &lt; 10% of contract cases settle with the plaintiff getting some payment or acknowledgment of debt from the defendant, usually with payment plans reached primarily based on considerations mostly related to ability to pay (which isn't legally relevant but is as a practical matter critical in the subsequent collection stage), even if there are minor or unlikely to succeed disputes over liability and damages issues on the merits. Somewhere on the order of about 0.4%-4% of contract lawsuits involve cases where there are bona fide dispute regarding whether payment was made, or whether there was a legally recognized justification for non-payment such as the failure of the party to whom payment is owed to fully perform their obligations under the contract. The interesting cases usually involve disputes over whether someone earned the amount that they sought or instead failed to perform as agreed in some manner other than payment. When there is a written contract, in the overwhelming majority of cases, the validity and terms of the written contract are undisputed, and efforts to argue that there were any side agreements or subsequent modifications of the original written contract are very challenging to prevail upon. Disputes over breach and justification for breach are more common than disputes over the terms or meaning of a written contract, even though these are certainly disputed sometimes. And, of course, there are frequently disputes over whether there was a contract, and if so, what its terms were, in the case of express oral contracts, and contracts that are implied-in-fact or inferred from the course of dealings of the parties. Another possible interpretation of the paraphrased sentiment is that usually the language of the contract determines what your rights are in a case. Certainly, the rights of the parties usually do boil down to what the language of the contracts requires. Some Statistics The Colorado state courts publish an annual report with statistical data every year. The annual report for the year 2017 was typical. In District Courts (the courts of general jurisdiction) there were 247 civil bench trials (about a quarter of which are tort cases), and 218 civil jury trials in civil cases (about three-quarters of which are tort cases), which consist mostly of contract cases, but with a minority of tort cases and property rights case and cases involving statutory rights (it excludes evidentiary hearings in domestic relations or mental health or probate cases, or pre-trial evidentiary hearings such as hearings on preliminary injunction requests, eviction hearings, non-judicial foreclosure summary hearings, and criminal or quasi-criminal trials, hearings and cases) out of 89,632 civil cases filed. About 12,000 of these are contract lawsuits (52,000 are pro forma tax lien filings). Thus, there are about 240 contract case trials out of about 12,000 contact lawsuits, with about 2% of contract cases going to trial (about three-quarters of the time before judges instead of juries) (this excludes a very small number of disputed contract claims adjudicated within probate cases each year). In County Courts (the courts of limited jurisdiction for claims under $15,000 in 2017), there were 801 civil bench trials, 14 civil jury trials, out of 140,462 civil cases filed (the vast majority of which are breach of contract cases and 98%+ of which are decided by judges usually in trials of one day or less, instead of juries), with about 0.6% of contract cases going to trial. This counts evictions as well as straight out contractual debt collection lawsuits as contract cases. There were and 1,657 small claims court trials (always before a judge rathe than a jury and limited to disputes of $7,500 or less with limitations on lawyer involvement) out of 7,118 small claims cases filed, but the mix of cases is very diverse so mapping that to resolution method isn't really workable, even though more than half would be contract cases. Essentially all of the small claims cases that don't go to trial are default judgments and day of trial settlements. By comparison, there were about 460 federal court contract cases filed in Colorado in 2016 (about 0.3% of all contract cases filed in Colorado in any given year). These cases go to trial at a rate similar to the 2% rate for state court of general jurisdiction contract cases (perhaps 7 bench trials and 2 jury trials a year) (this figure excludes bankruptcy court cases which each have multiple disputed or undisputed contract claims within them). Certainly, it would be safe to say that less than 1-2% of contract lawsuits filed in Colorado go to trial. In all cases that don't go to trial, there was a default judgment (most common), settlement (next most common), or resolution in pre-trial motion practice (least common but more common than contract cases going to trial, let alone a jury trial).
Strictly speaking, if party X agrees to indemnify party Y for damage Z, then X is only agreeing to pay Y for realized damages Z. Example: I agree to print something you wrote about about Acme. In exchange, you agree to indemnify and defend me against any defamation claims by Acme. Acme sues me for defamation. Since you agreed to defend me, you have to provide a legal defense against Acme's lawsuit. If you didn't agree to indemnify me, and Acme wins a judgment, you wouldn't be obligated to pay the judgment. If you only agreed to indemnify me, you could choose to let the lawsuit run its course without providing any legal defense. Indemnification only requires you to pay any judgment Acme might win.