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Rights, in real situations

Rights questions, answered.

161 stored questions · 17 topics · No account needed

Choose where it happened. Read the rule, the exceptions and what you can do next. No chat needed.

Choose a state for local guides. The guides below cover specific federal rules.

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Police encounters

Work & wages

My employer makes me clock out for a 10-minute rest break. Should that time count?Federal rule · specific setting

Federal rule · specific setting

For this situationAn ordinary short rest break offered by an employer to an employee covered by federal minimum-wage and overtime rules.

For covered, nonexempt employees, employer-provided short rest breaks, usually 5 to 20 minutes, generally count as paid work time and toward overtime.

What to do next

  1. Record the start and end of each break, whether it was authorized, and how the timecard treated it.
  2. Compare your actual weekly hours with paid hours. Save the break policy and pay statements before asking payroll for a correction.
  3. If the deduction remains unexplained, contact the Wage and Hour Division with your employer’s name, work location, dates, and records.
What could change this answer?
  • A longer meal period during which you are relieved of work is different from a short rest break.
  • Unauthorized extra break time can be excluded when the employer clearly communicated its duration and consequences. State break requirements may add protection.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Breaks and Meal Periods ↗Sources read 2026-10-13 · not a lawyer’s review
Can my employer refuse overtime pay because I did not get advance approval?Federal rule · specific setting

Federal rule · specific setting

For this situationA covered, nonexempt employee who actually performed compensable overtime, including work the employer knew or had reason to know about.

A rule requiring advance approval does not erase pay owed for compensable overtime the employer required or permitted. Coverage, exemption status, and actual hours still matter.

What to do next

  1. Write down the work performed, exact hours, and who assigned it or knew it was happening. Keep relevant messages.
  2. Submit an accurate time record and ask payroll in writing to identify any hours excluded solely for lack of approval.
  3. Contact the Wage and Hour Division if the employer refuses to count those hours. Bring the policy and weekly pay records.
What could change this answer?
  • An overtime exemption or a special statutory work-period rule can change the calculation.
  • Whether the employer knew or should have known about unreported work matters; preserve evidence and use the employer’s reporting process.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Our manager takes a share of the staff tip jar. Is that allowed?Federal rule · specific setting

Federal rule · specific setting

For this situationEmployee tips at a workplace covered by the Fair Labor Standards Act, including shared jars and mandatory tip pools.

A manager or supervisor who meets the federal duties test cannot keep other employees’ tips or receive money from their tip pool, even if the employer pays everyone the full minimum wage.

What to do next

  1. Save the written pooling policy and records showing how tips were collected and distributed. Note which workers contributed.
  2. List the manager’s actual duties, such as directing workers and meaningful hiring or firing authority, rather than relying on their title.
  3. Ask payroll to explain the distribution, then contact the Wage and Hour Division if a manager is receiving pooled staff tips.
What could change this answer?
  • Tips for service a manager directly and solely performs differ from money produced by shared staff work.
  • Whether someone meets the manager or supervisor test depends on duties; certain actively managing owners also qualify.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 15B: Managers, Supervisors and Tips ↗Sources read 2026-10-13 · not a lawyer’s review
Can a required uniform deduction push my pay below the federal minimum wage?Federal rule · specific setting

Federal rule · specific setting

For this situationA uniform required by the employer, the nature of the work, or law, where federal wage requirements cover the employee.

For a covered employee, employer-required uniform costs cannot reduce pay below the federal minimum wage or cut into required overtime compensation. Requiring cash reimbursement does not avoid those limits.

What to do next

  1. Keep the uniform requirement, purchase or cleaning receipt, and the pay statement showing any deduction. Record cash repayments too.
  2. Compare each affected workweek’s wages and hours, including overtime. Do not rely only on the total for a two-week paycheck.
  3. Ask payroll to explain and correct a deduction that reduced required pay. Contact the Wage and Hour Division if it remains unresolved.
What could change this answer?
  • A deduction that leaves all federally required minimum and overtime pay intact needs separate state-law or contract analysis.
  • Who required the clothing and whether it is an employer business expense can affect the rule.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 16: Uniforms and Other Wage Deductions ↗Sources read 2026-10-13 · not a lawyer’s review
My workplace offered a bathroom for pumping milk. Does that meet federal law?Federal rule · specific setting

Federal rule · specific setting

For this situationAn employee protected by federal pumping-break requirements during the first year after the child’s birth, including eligible employees working remotely.

For employees protected by the PUMP Act, the employer must provide a functional pumping space other than a bathroom, shielded from view and free from intrusion, for one year after childbirth.

What to do next

  1. Tell your employer when you need pumping breaks and that the offered space is a bathroom. Keep a dated copy.
  2. Ask for an available private room or temporary space and a way to prevent coworkers or customers from entering.
  3. Contact the Wage and Hour Division if the employer refuses. Describe the space, timing, job, and employer size so coverage can be checked.
What could change this answer?
  • Certain employers with fewer than 50 employees may claim an undue-hardship exemption; it is not automatic.
  • Pay depends on whether you are relieved of duty and the employer’s paid-break practices. Other laws may protect a longer period.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 73: Pumping Breast Milk at Work ↗US DOL · Pump at Work FAQs ↗Sources read 2026-10-13 · not a lawyer’s review
My doctor cannot finish my FMLA certification within 15 days. What should I do?Federal rule · specific setting

Federal rule · specific setting

For this situationAn FMLA-eligible employee whose covered employer requested certification for the employee’s or a qualifying family member’s serious health condition.

An employer generally must allow at least 15 calendar days for requested medical certification. If diligent, good-faith efforts cannot meet that deadline, the employee is entitled to additional time.

What to do next

  1. Send the certification request to your provider promptly and save appointment, message, and follow-up records.
  2. Before the deadline, tell the employer what you have done, why the provider cannot finish, and the expected completion date.
  3. Request additional time in writing and deliver the complete certification as soon as possible. Keep delivery proof and contact WHD if protection is denied.
What could change this answer?
  • An avoidable delay without diligent efforts can result in a gap in FMLA protection.
  • A missing or incomplete certification is different from an employer questioning an otherwise complete certification. Ask which information is needed.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 28G: FMLA Medical Certification ↗Sources read 2026-10-13 · not a lawyer’s review
I missed two hours for approved FMLA care. Can my employer subtract a whole day?Federal rule · specific setting

Federal rule · specific setting

For this situationA worker using qualifying FMLA leave for part of a scheduled day, rather than an entire workweek.

An employer generally may count only FMLA leave actually taken. It must use the smallest leave increment it allows for other leave, and that increment cannot exceed one hour.

What to do next

  1. Save the schedule, actual departure and return times, and the notice approving or designating the leave.
  2. Ask the leave administrator for the balance calculation and the smallest increment used for other kinds of leave.
  3. Request correction of time charged beyond the qualifying absence. If unresolved, give the records to the Wage and Hour Division.
What could change this answer?
  • Required overtime you could not work for an FMLA reason may count; optional overtime follows different rules.
  • Your normal schedule, periods when the business closes, and any genuine inability to start or stop work mid-shift can affect the amount counted.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 28I: Calculation of FMLA Leave ↗Sources read 2026-10-13 · not a lawyer’s review
Can a one-day migraine flare qualify for FMLA even without a doctor visit that day?Federal rule · specific setting

Federal rule · specific setting

For this situationAn eligible employee of a covered employer who cannot work because of a chronic condition meeting the federal FMLA serious-health-condition rules.

A qualifying chronic serious health condition can support FMLA leave for an episode of incapacity even when the absence is shorter than three days and no provider visit occurs during that episode.

What to do next

  1. Discuss recurring episodes and work limitations with your treating provider, including the condition’s ongoing treatment needs.
  2. Tell the leave administrator that the absence relates to the condition covered by your FMLA request. Follow the normal call-in process when possible.
  3. If certification is requested, provide it on time and keep absence dates and responses. Contact WHD if leave is rejected solely because one episode lasted only a day.
What could change this answer?
  • Chronic conditions require periodic provider visits, generally at least twice yearly, and continue over an extended period.
  • Not every headache or brief illness qualifies. Existing certification, treatment history, and actual inability to work affect the answer.
Contact the US Department of Labor Wage and Hour Division ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOL · Fact Sheet 28P: Serious Health Conditions ↗Sources read 2026-10-13 · not a lawyer’s review
Can I report an unsafe machine to OSHA without my employer getting my name?Federal rule · specific setting

Federal rule · specific setting

For this situationWorkers or their representatives reporting hazards at workplaces covered by federal OSHA or an OSHA-approved state plan.

You can request that OSHA keep your name confidential when filing a workplace safety or health complaint. Describe the serious hazard and the workplace precisely.

What to do next

  1. Write down the machine or hazard, location, tasks affected, and when workers are exposed. Preserve records you can lawfully obtain.
  2. Use OSHA’s safety complaint route and expressly request that your name not be revealed to the employer. Include a safe contact method.
  3. Respond to OSHA’s follow-up. For an imminent life-threatening situation, call 800-321-6742 instead of waiting for a web submission.
What could change this answer?
  • OSHA coverage and the responsible office depend on employer type, industry, and whether an approved state plan applies.
  • A complaint about retaliation is a separate process with a short deadline and cannot remain anonymous to the employer.
File an OSHA safety or health complaint ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatOSHA · File a Safety and Health Complaint ↗OSHA · Workers’ Rights ↗Sources read 2026-10-13 · not a lawyer’s review
I was fired after reporting a safety hazard. How long do I have to contact OSHA?Federal rule · specific setting

Federal rule · specific setting

For this situationA worker covered by federal OSH Act retaliation protection who experienced adverse action for protected workplace safety activity.

A retaliation complaint under section 11(c) of the federal Occupational Safety and Health Act generally must be filed within 30 days after you learn of the adverse action.

What to do next

  1. Record when you learned of the firing, reduced hours, discipline, or threat. Preserve the notice and your earlier safety report.
  2. Promptly file through OSHA’s whistleblower route or call 800-321-6742. Explain the safety activity, employer knowledge, and resulting action.
  3. Save confirmation and respond to OSHA’s contact requests. Provide supporting documents and witness information through the investigator’s instructions.
What could change this answer?
  • This 30-day rule is specific to section 11(c); federal employees and other statutory claims can follow different processes.
  • OSHA retaliation complaints are not anonymous. If investigated, your employer is told about the complaint and may respond.
File an OSHA whistleblower complaint ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatOSHA · Section 11(c) Whistleblower Complaints ↗OSHA · Online Whistleblower Complaint Instructions ↗Sources read 2026-10-13 · not a lawyer’s review
I am pregnant. Can my employer demand a doctor’s note just to let me carry water?Federal rule · specific setting

Federal rule · specific setting

For this situationA currently pregnant employee or applicant seeking these simple adjustments from an employer covered by the PWFA, generally with at least 15 employees.

Under the PWFA regulation, an employer cannot require supporting documentation when a currently pregnant worker requests water, food or restroom breaks, carrying drinking water, or sitting or standing as needed.

What to do next

  1. Explain the pregnancy-related limitation and the specific adjustment, such as carrying a water bottle during the shift.
  2. If a note is demanded, ask the accommodation contact to review the EEOC documentation guidance and keep a copy of the request and response.
  3. If access is denied or you are penalized, contact the EEOC promptly through its charge process. Keep the relevant schedules and discipline notices.
What could change this answer?
  • Documentation rules differ for other requests and circumstances; this guide covers the listed adjustments during pregnancy.
  • A different effective accommodation or a legally supported undue-hardship issue may require further discussion.
Start the EEOC charge process ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatEEOC · What You Should Know About the PWFA ↗EEOC · Pregnancy Accommodations ↗Sources read 2026-10-13 · not a lawyer’s review
HR is investigating discrimination. Does that pause my deadline to file with the EEOC?Federal rule · specific setting

Federal rule · specific setting

For this situationA private-sector or state/local government worker considering an EEOC charge while another process investigates the same discrimination concern.

Generally, no. An internal grievance, union process, arbitration, or mediation does not extend the EEOC charge deadline, usually 180 days or 300 days where qualifying state or local law applies.

What to do next

  1. List each alleged discriminatory action and its date, along with when you complained internally. Save the HR correspondence.
  2. Contact the EEOC now to determine the applicable deadline and begin its charge process while HR continues reviewing.
  3. If the deadline is close, call 800-669-4000 for urgent assistance and confirm whether a signed charge has actually been filed. Keep that confirmation.
What could change this answer?
  • Age claims use a different test for the 300-day extension; federal employment has a separate process.
  • Different acts can have separate deadlines, while ongoing harassment has special timing rules. Do not calculate solely from the final HR response.
Start the EEOC charge process ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatEEOC · Time Limits for Filing a Charge ↗EEOC · How to File a Charge ↗Sources read 2026-10-13 · not a lawyer’s review

Immigration

My immigration hearing date is unclear. Where can I check it?Federal rule · specific setting

Federal rule · specific setting

For this situationA case in the US immigration court system, not a USCIS benefits application.

Use EOIR’s official case-information system, then compare it with your hearing notice. Court notices are the official source; an online result is not permission to miss a hearing.

What to do next

  1. Find your A-number on your court papers. Keep it private.
  2. Open EOIR’s case-information service and check your case.
  3. Compare the date, place and hearing method with the latest notice; resolve differences with the court.
What could change this answer?
  • The system shows only some case information.
  • A USCIS receipt-number search is a separate service.
Open EOIR’s official case-status instructions ↗Find the immigration court’s contact details ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Check immigration case status ↗Sources read 2026-10-13 · not a lawyer’s review
I moved while my immigration court case is pending. What do I file?Federal rule · specific setting

Federal rule · specific setting

For this situationA person with a pending immigration court case who needs to update contact information.

Submit Form EOIR-33/IC to your immigration court within five working days of a contact-information change. File a separate form for each person with an affected pending case.

What to do next

  1. Check which court currently handles the case.
  2. Complete EOIR-33/IC, including its signature and proof-of-service instructions for providing DHS a copy.
  3. Submit through Respondent Access or the form’s paper process; keep the filed copy and confirmation.
What could change this answer?
  • A case before the Board of Immigration Appeals uses EOIR-33/BIA instead.
  • Changing your address does not itself move the case to another court.
Open the official EOIR-33/IC form ↗Read EOIR’s address-change instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Update respondent information ↗Sources read 2026-10-13 · not a lawyer’s review
My immigration helper is listed as “DHS only.” Can they represent me in immigration court?Federal rule · specific setting

Federal rule · specific setting

For this situationA non-lawyer offering services as a DOJ-accredited representative.

No. Partial accreditation covers DHS matters. A DOJ-accredited representative needs full accreditation to represent you before immigration court or the Board of Immigration Appeals.

What to do next

  1. Ask for the representative’s full name and organization.
  2. Use DOJ’s roster to check the accreditation and whether it is limited to DHS.
  3. For a court case, ask for a fully accredited representative or a licensed attorney.
What could change this answer?
  • Accreditation is connected to work through a recognized nonprofit.
  • A listed provider may charge a fee or have limited capacity.
Find DOJ’s current representative rosters ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Recognition and accreditation FAQ ↗Sources read 2026-10-13 · not a lawyer’s review
My immigration representative mishandled my court case. Where can I complain?Federal rule · specific setting

Federal rule · specific setting

For this situationProfessional misconduct by an attorney or accredited representative in EOIR proceedings.

For misconduct before EOIR, use Form EOIR-44 and its instructions to report an attorney or accredited representative. Include specific events and supporting copies.

What to do next

  1. Save the agreement, receipts, messages and relevant court notices.
  2. Write dates and what the representative did or failed to do.
  3. Use EOIR-44 and follow the current submission instructions. Keep a copy.
What could change this answer?
  • Misconduct before USCIS has a separate DHS route.
  • Disagreement with an outcome alone does not prove misconduct.
Find Form EOIR-44 in DOJ’s official forms list ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Recognition and accreditation FAQ, misconduct reporting ↗Sources read 2026-10-13 · not a lawyer’s review

Protest & expression

Our group wants to demonstrate on the National Mall. Do we need a permit?Federal rule · specific setting

Federal rule · specific setting

For this situationA First Amendment demonstration on National Mall and Memorial Parks land managed by NPS.

NPS generally requires a permit for demonstrations with more than 25 people on the parkland it manages there. Smaller groups must still meet the permit exception’s conditions.

What to do next

  1. Identify the exact site and expected attendance.
  2. Read NPS’s demonstration conditions and permitted locations.
  3. If needed, use the permit application linked by NPS and confirm approval before relying on it.
What could change this answer?
  • A group of 25 or fewer cannot use the exception as an extension of a larger group.
  • Temporary structures beyond small lecterns or speakers’ platforms affect the small-group exception.
Open NPS demonstration permit instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatNational Park Service · National Mall demonstration permits ↗Sources read 2026-10-13 · not a lawyer’s review

Digital safety

Can I ask a children’s app to show me and delete the information it collected from my 10-year-old?Federal rule · specific setting

Federal rule · specific setting

For this situationA parent of a child under 13 using a commercial app or site directed to children, or an operator with actual knowledge it collects children’s information.

Yes, when COPPA covers the operator. Parents can review their child’s collected personal information, ask for deletion and refuse further collection or use.

What to do next

  1. Find the operator’s privacy policy and the contact or procedure for parental access requests. Save a copy.
  2. Identify the child’s account and request access, deletion and a stop to future collection as desired. Complete reasonable parent-verification steps.
  3. Retain the request and response. Report a suspected COPPA violation to the FTC if the operator does not address it.
What could change this answer?
  • Deleting information may mean the child can no longer use features that require it.
  • If information was already deleted, the operator cannot provide records it no longer holds. Ask what remains rather than assuming all past activity is retained.
Open the FTC reporting form ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFTC · COPPA compliance FAQs: parental access ↗Sources read 2026-10-13 · not a lawyer’s review
Someone opened a loan in my name. Can I block it from my credit report?Federal rule · specific setting

Federal rule · specific setting

For this situationCredit-report information caused by identity theft, rather than an ordinary disagreement over a debt you incurred.

Yes. A qualifying identity-theft block request requires the reporting company to block fraudulent information within four business days after receiving the required material.

What to do next

  1. Create an identity-theft report at IdentityTheft.gov and save it securely. Identify every affected account on your reports.
  2. Send each affected reporting company the report, identity proof and a letter identifying the entries, stating you did not authorize those transactions and requesting a block.
  3. Keep delivery evidence, review the updated reports and contact the company if the fraudulent entry remains after a complete request.
What could change this answer?
  • An ordinary reporting error uses the standard dispute process instead.
  • Blocking the report is one recovery step. Contact affected creditors and secure compromised accounts as well; a block does not itself close them.
Open FTC identity-theft recovery and sample letters ↗Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Blocking identity-theft information from credit reports ↗Sources read 2026-10-13 · not a lawyer’s review
I suspect identity theft. Must I contact all three credit bureaus to place a fraud alert?Federal rule · specific setting

Federal rule · specific setting

For this situationSomeone who is, or reasonably suspects they may be, affected by identity theft and wants an initial fraud alert.

No. Contact one nationwide credit bureau for a free initial fraud alert; it must notify the other two. The alert lasts one year and can be renewed.

What to do next

  1. Use the FTC’s links to reach one of Equifax, Experian or TransUnion and request an initial fraud alert.
  2. Provide accurate contact information so a lender can verify that a new credit request is really yours. Save confirmation.
  3. Review your reports for unfamiliar accounts and note the alert’s expiration date so you can renew it if needed.
What could change this answer?
  • An extended alert lasts seven years and requires an identity-theft report or police report.
  • If you want a credit freeze, contact each bureau separately. Placing one fraud alert is not a request for three freezes.
Open FTC instructions and official bureau links ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFTC · Credit Freezes and Fraud Alerts ↗Sources read 2026-10-13 · not a lawyer’s review
A retailer keeps emailing ads after I unsubscribe. How long does it have to stop?Federal rule · specific setting

Federal rule · specific setting

For this situationEmail whose primary purpose is commercial advertising or promotion, covered by the federal CAN-SPAM Act.

Under CAN-SPAM, a covered commercial sender must honor an opt-out request within 10 business days. It cannot charge a fee or require personal information beyond your email address to process the request.

What to do next

  1. For a legitimate retailer, use its stated unsubscribe method and save the confirmation or a screenshot with the date.
  2. Keep examples of advertising emails received more than 10 business days later, including sender details.
  3. Report continued commercial messages or a missing opt-out method to the FTC, and use your email provider’s spam controls.
What could change this answer?
  • A sender can offer topic preferences, but must also let you opt out of all its marketing messages.
  • Unsubscribing from marketing does not cancel a purchase, subscription contract or necessary account-security notices.
Open the FTC reporting form ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFTC · CAN-SPAM Act: A Compliance Guide for Business ↗FTC · Reporting commercial emails after an opt-out ↗Sources read 2026-10-13 · not a lawyer’s review
A Department of Justice record about me has the wrong facts. Can I request a correction?Federal rule · specific setting

Federal rule · specific setting

For this situationA US citizen or lawful permanent resident seeking correction of their own DOJ record in a covered Privacy Act system of records.

The Privacy Act permits requests to amend covered DOJ records about yourself, subject to exemptions. Identify the record, the correction you want and why it is inaccurate, irrelevant, outdated or incomplete.

What to do next

  1. Identify the DOJ component that holds the record and review its identity-verification and amendment instructions.
  2. Label the request “Privacy Act Amendment Request,” identify each disputed entry and supply the replacement facts with supporting copies.
  3. Send it to the component’s Privacy Act office and retain the request, delivery evidence and written determination.
What could change this answer?
  • If the record is in several systems, identify them and direct requests to the components maintaining each one.
  • DOJ’s Office of Privacy and Civil Liberties must receive a written amendment appeal within 60 days of the denial letter’s date. Follow the letter’s appeal instructions.
Open DOJ’s correction procedure and component contacts ↗

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Federal rule. State or local protections may add to it. Legal review pending.

My clinic discovered a breach of my unsecured medical information. When must it tell me?Federal rule · specific setting

Federal rule · specific setting

For this situationA breach of unsecured protected health information for which a HIPAA-covered provider or health plan owes individual notice.

For a reportable HIPAA breach, the covered organization generally must notify affected individuals without unreasonable delay and no later than 60 days after discovery.

What to do next

  1. Keep the notice and its envelope or email timestamp. Read what information was involved and the protective steps offered.
  2. Use a verified contact for the organization’s privacy office to ask about missing details or whether your records were affected.
  3. If you believe required notice was withheld or improperly delayed, use HHS’s privacy complaint process and retain supporting dates.
What could change this answer?
  • Individual notice is usually mailed, or emailed if you agreed. Substitute notice can apply when contact information is unavailable.
  • A small breach can follow different timing for reporting to HHS; that does not generally postpone notice to affected individuals.
Open HHS privacy complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHHS · HIPAA Breach Notification Rule ↗HHS · Filing a health information privacy complaint ↗Sources read 2026-10-13 · not a lawyer’s review

Disability & access

A restaurant refused my trained service dog. What can I say?Federal rule · specific setting

Federal rule · specific setting

For this situationA trained service dog at a US restaurant or shop covered by the ADA. Housing, employment and airline rules are different.

A restaurant covered by the ADA generally must let your trained service dog accompany you in customer areas, even with a no-pets rule.

What to do next

  1. If it is safe, ask for a manager and explain the disability-related task your dog is trained to perform. Staff cannot require a certificate or task demonstration.
  2. Record the business, date, reason given and what you requested. Keep receipts or messages.
  3. If unresolved, use the DOJ complaint route below or call the ADA information line at 800-514-0301.

Words you can use

This is my service dog. It is trained to [TASK]. May I speak with a manager about access under the ADA?

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • If the disability-related need is not obvious, staff may ask whether the dog is required because of a disability and what task it performs.
  • DOJ does not investigate every complaint. Opening its form here does not submit anything.
Open DOJ’s ADA complaint instructions ↗Call the ADA information line ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Can a doctor require my child to interpret sign language during my appointment?Federal rule · specific setting

Federal rule · specific setting

For this situationA patient with a communication disability receiving care from a provider covered by ADA Title II or Title III.

An ADA-covered provider cannot require you to bring your own interpreter. Reliance on a minor child is limited to an imminent-threat emergency when a qualified interpreter is unavailable.

What to do next

  1. When scheduling, describe your communication method and request the aid needed for medical history, diagnosis, or treatment discussions.
  2. If staff demand that your child interpret, ask the office manager to arrange effective communication and document the response.
  3. Save appointment notices and what happened. If unresolved, use DOJ’s ADA complaint route; explain why the offered method was ineffective.
What could change this answer?
  • A narrow emergency exception applies when there is an imminent threat and no qualified interpreter is available.
  • An accompanying adult may interpret outside emergencies only at your request, with their agreement, and when appropriate; this exception excludes minors.
Use DOJ’s ADA complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Effective Communication: Accompanying Interpreters ↗Sources read 2026-10-13 · not a lawyer’s review
A business says I must pay extra for an ADA-required interpreter. Can it charge me?Federal rule · specific setting

Federal rule · specific setting

For this situationA business or nonprofit serving the public that charges a person with a disability for an accommodation required by ADA Title III.

A public accommodation cannot add a disability surcharge to cover measures it must provide under the ADA, including required auxiliary aids and services.

What to do next

  1. Ask for an itemized explanation identifying the added charge and the accommodation it supposedly covers. Keep the invoice or price quote.
  2. Explain that the charge is for disability access and ask the manager to review the ADA’s no-surcharge rule. Request a corrected invoice.
  3. If unresolved, retain the request, response, and proof of payment or refusal, and submit the facts through DOJ’s ADA complaint instructions.
What could change this answer?
  • An ordinary price charged equally for the underlying service differs from a fee imposed for required access.
  • The business’s coverage and whether the requested service is actually required can affect the claim.
Use DOJ’s ADA complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Title III Regulations, 28 CFR 36.301(c) ↗Sources read 2026-10-13 · not a lawyer’s review
I reserved an accessible hotel room. Can the hotel treat its access features as just a preference?Federal rule · specific setting

Federal rule · specific setting

For this situationReservations made through a covered US hotel’s reservation service for an accessible guest room and specified accessibility features.

For covered hotel reservations, the ADA requires reservable accessible features and a specific accessible room to be blocked and held for the customer once reserved under the rule.

What to do next

  1. Ask the hotel to describe the needed features before booking, such as a roll-in shower, and retain the description.
  2. Save written confirmation of the accessible room and features, including dates, reservation number, and the hotel’s direct contact.
  3. If the room is unavailable or lacks promised features, contact the manager, document the response and expenses, and use DOJ’s ADA complaint route if unresolved.
What could change this answer?
  • A third-party booking service, individually owned rental unit, or lodging outside ADA coverage requires separate analysis.
  • A request added to an ordinary reservation may differ factually from a confirmed accessible-room reservation; keep the actual confirmation.
Use DOJ’s ADA complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Title III Reservations Rule, 28 CFR 36.302(e) ↗Sources read 2026-10-13 · not a lawyer’s review
Can a museum reject my disability-related powered mobility device under a blanket no-scooters rule?Federal rule · specific setting

Federal rule · specific setting

For this situationA person using a device other than a conventional wheelchair because of a mobility disability at an ADA-covered public facility.

Covered facilities generally must consider other power-driven mobility devices used because of a mobility disability, unless the device type cannot be accommodated under legitimate safety requirements.

What to do next

  1. Ask for the facility’s mobility-device policy and explain that you use the device because of a mobility disability.
  2. Discuss practical conditions such as reduced speed or a particular route. Ask what actual safety concern prevents this device’s use.
  3. Record the device, location, restrictions, and staff response. Use DOJ’s ADA complaint route if a blanket refusal remains unexplained.
What could change this answer?
  • A facility may request credible assurance of disability-related use, but a qualifying verbal statement can suffice without a placard.
  • Device characteristics and the facility’s physical layout or traffic can change whether this type can be safely accommodated.
Use DOJ’s ADA complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Wheelchairs and Other Power-Driven Mobility Devices ↗Sources read 2026-10-13 · not a lawyer’s review
Must I bring someone to lift me onto the doctor’s exam table?Federal rule · specific setting

Federal rule · specific setting

For this situationA patient with a mobility disability seeking an examination from a medical provider covered by the ADA.

An ADA-covered medical provider cannot require you to bring a friend or family member for assistance. The provider must offer reasonable help needed to receive care, which can include safe transfer assistance.

What to do next

  1. Before the visit, explain the transfer or positioning help needed and ask about an accessible table, lift, and trained staff.
  2. If told to supply your own helper, ask the practice manager how the office will provide reasonable assistance for an appointment attended alone.
  3. Keep the appointment details and any refusal. Report unresolved access barriers through DOJ’s ADA complaint route, describing the care you could not receive.
What could change this answer?
  • Some people can transfer independently and prefer to do so; staff should discuss assistance with the patient.
  • Different examinations require different positioning or equipment. A companion’s presence does not remove the provider’s accessibility obligations.
Use DOJ’s ADA complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · Access to Medical Care for People with Mobility Disabilities ↗Sources read 2026-10-13 · not a lawyer’s review

Housing

My apartment has unassigned parking. Can I request a nearby reserved space for my disability?Federal rule · specific setting

Federal rule · specific setting

For this situationA resident with a disability seeking an exception to an unassigned-parking policy at housing covered by the Fair Housing Act.

Yes. In housing covered by the Fair Housing Act, reserving an available accessible space can be a required reasonable accommodation when disability makes it necessary to use and enjoy your home.

What to do next

  1. Ask the manager for an identified nearby space and explain how the distance affects your disability-related access.
  2. Put the request in writing for your records and keep any response, though no special phrase or form is essential.
  3. If refused, ask for the reason and discuss an effective alternative. Preserve the request and denial for HUD.
What could change this answer?
  • If both the disability and need are obvious, the provider should not demand extra disability documentation.
  • If they are not apparent, reliable information establishing the disability-related need may be requested; full medical records are usually unnecessary.
Open HUD housing complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHUD and DOJ · Reasonable Accommodations under the Fair Housing Act ↗Sources read 2026-10-13 · not a lawyer’s review
Can my landlord forbid disability-related grab bars because the lease bans alterations?Federal rule · specific setting

Federal rule · specific setting

For this situationA disability-related structural change, such as bathroom grab bars, in a rental home covered by the Fair Housing Act.

A landlord covered by the Fair Housing Act generally must permit a reasonable modification needed because of a disability. In ordinary private housing, the tenant usually pays for that modification.

What to do next

  1. Describe the proposed installation and explain why it is needed for disability-related use of the home.
  2. Discuss the work plan, necessary permits and proper installation with the landlord. Keep approval and cost arrangements in writing.
  3. Clarify any lawful restoration requirement before work begins, and keep records if permission is refused.
What could change this answer?
  • Federally assisted housing can have additional Section 504 obligations that change who pays.
  • Restoration is not automatic for every modification. Removing grab bars may be reasonable while removing wall reinforcement ordinarily is not.
Open HUD housing complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHUD and DOJ · Reasonable Modifications under the Fair Housing Act ↗Sources read 2026-10-13 · not a lawyer’s review
A landlord rejected me because a background check lists someone else’s eviction. What can I get?Federal rule · specific setting

Federal rule · specific setting

For this situationA rental decision based at least partly on a consumer or tenant screening report, under the Fair Credit Reporting Act.

You are entitled to the screening company’s contact information and notice of your dispute rights. Request a free copy of the report from that company within 60 days of the adverse action.

What to do next

  1. Save the denial and ask the landlord for the screening company’s name, address and telephone number.
  2. Request the free report within 60 days. Compare names, birth dates and court information with your own records.
  3. Dispute the mistaken identity with the screening company, attach supporting copies, and tell the landlord you are challenging the error.
What could change this answer?
  • Adverse action can include requiring a cosigner, higher rent or a larger deposit because of the report.
  • The company generally has 30 days to investigate, with up to 45 days in some cases; an urgent rental deadline does not shorten that federal period.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Rental denied because of a tenant screening report ↗Sources read 2026-10-13 · not a lawyer’s review
My subsidized landlord demands a police report before recognizing domestic-violence protections. Is that required?Federal rule · specific setting

Federal rule · specific setting

For this situationSurvivors of domestic violence, dating violence, sexual assault or stalking in a VAWA-covered housing program, regardless of sex.

Generally no. In a covered housing program, a survivor may choose from permitted documentation, including HUD’s self-certification form. A provider normally cannot insist on a police report.

What to do next

  1. Identify your housing program and ask for the Notice of Occupancy Rights and HUD-5382 certification form.
  2. If documentation is requested, keep the dated written request and check its deadline. Select a permitted documentation option that fits your situation.
  3. Keep a secure copy of what you provide and its delivery date. Ask HUD about a refusal to accept permitted documentation.
What could change this answer?
  • These program-specific protections do not cover every private rental. Confirm the program before relying on them.
  • VAWA information has confidentiality protections, with exceptions including written consent, eviction proceedings and disclosures required by law.
Open HUD’s VAWA guidance and certification forms ↗Open HUD housing complaint instructions ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHUD · VAWA housing protections and documentation choices ↗Sources read 2026-10-13 · not a lawyer’s review
A maintenance worker says he will fix my heat only if I have sex with him. Is that housing discrimination?Federal rule · specific setting

Federal rule · specific setting

For this situationSexual demands or other unlawful sexual harassment connected to obtaining or keeping housing, repairs or housing services.

Conditioning repairs on sexual conduct is a form of sexual harassment in housing that can violate the Fair Housing Act. You can report conduct by maintenance workers, managers or landlords to DOJ or HUD.

What to do next

  1. Save messages, repair requests and the words used, with dates and the person’s role. Keep copies somewhere they cannot access.
  2. Write down witnesses and any withheld repair, threatened eviction or other housing consequence.
  3. Use DOJ’s reporting route or contact HUD. Explain both the sexual conduct and the housing benefit or penalty involved.
What could change this answer?
  • The conduct may involve a property employee even if the owner did not personally make the demand.
  • An agency report does not automatically resolve an urgent repair or stop an eviction; obtain timely local help for those separate needs.
Open DOJ’s housing harassment reporting options ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOJ · What Is Sexual Harassment in Housing? ↗US DOJ · How to report sexual harassment in housing ↗Sources read 2026-10-13 · not a lawyer’s review

Voting

Someone is threatening people at my polling place. Where can I report it?Federal rule · specific setting

Federal rule · specific setting

For this situationSuspected intimidation or interference with voting in a US election.

You can report suspected voter intimidation to DOJ’s Voting Section at 800-253-3931 or through its civil-rights reporting form.

What to do next

  1. Move to a safer position and alert a poll supervisor if you can.
  2. Note the location, time, exact conduct and witnesses without confronting anyone.
  3. Report to the Voting Section and keep the reference number if provided.
What could change this answer?
  • An ordinary registration question or disagreement is not necessarily intimidation.
  • Registration and ballot problems may also need the local election office’s immediate help.
Call DOJ’s Voting Section ↗Open DOJ’s civil-rights report form ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUSAGov · Reporting voter suppression and intimidation ↗Sources read 2026-10-13 · not a lawyer’s review

School & students

My child is struggling at school. Can I request a disability evaluation?Federal rule · specific setting

Federal rule · specific setting

For this situationA child suspected of needing special education under IDEA Part B, through the responsible public school district.

Yes. A parent can request an initial evaluation under IDEA. If the school agrees, the usual federal evaluation period is 60 days after parental consent, unless your state sets a different period.

What to do next

  1. Write to the school’s special education coordinator describing the difficulties you observe.
  2. Ask for an initial evaluation and the consent form. Keep a dated copy.
  3. Ask which state timeline applies and who will send the evaluation results.

Words you can use

I request an initial special education evaluation for [CHILD]. I am concerned about [SPECIFIC DIFFICULTY]. Please explain the next steps and consent process.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • The school can refuse if it does not suspect a disability, but must explain its refusal in writing.
  • Transfers and a parent repeatedly failing to make a child available can affect the timeline.
Read the Education Department’s evaluation guidance ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS Department of Education · Child Find and initial evaluations ↗Sources read 2026-10-13 · not a lawyer’s review
The school refused to evaluate my child. Can I get its reasons in writing?Federal rule · specific setting

Federal rule · specific setting

For this situationA public school district’s refusal to initiate or change an evaluation under IDEA.

Ask for the school’s prior written notice. It must explain the refusal, the information used, other options considered and how to find help understanding your procedural rights.

What to do next

  1. Save your evaluation request and the school’s reply.
  2. Ask the special education office for prior written notice and the procedural safeguards notice.
  3. Identify the reasons you disagree with and use the dispute contacts in those notices.

Words you can use

Please send prior written notice explaining the refusal to evaluate [CHILD], including the information relied on and my procedural safeguards.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • The notice must be understandable to the general public.
  • It must be in your native language or usual communication method unless clearly not feasible.
Read what the written notice must include ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatIDEA regulation · 34 CFR 300.503, prior written notice ↗Sources read 2026-10-13 · not a lawyer’s review
I do not understand English well. Can I have an interpreter at my child’s IEP meeting?Federal rule · specific setting

Federal rule · specific setting

For this situationA parent taking part in a child’s individualized education program meeting under IDEA.

The public agency must take steps to make sure you understand the IEP meeting, including arranging an interpreter when your native language is not English or you are deaf.

What to do next

  1. Reply to the meeting invitation with your language or communication needs.
  2. Ask the IEP coordinator to confirm the interpreter arrangements.
  3. If you cannot understand during the meeting, say so and ask for the needed support.

Words you can use

I need an interpreter in [LANGUAGE] to understand and participate in the IEP meeting on [DATE]. Please confirm the arrangements.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • This rule concerns participation in the IEP meeting.
  • It does not by itself settle which documents must be translated in every situation.
Read the IEP interpreter rule ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatIDEA regulation · 34 CFR 300.322(e), parent participation ↗Sources read 2026-10-13 · not a lawyer’s review
Can I stop my school from sharing my child’s directory information?Federal rule · specific setting

Federal rule · specific setting

For this situationA parent or eligible student responding to a FERPA-covered school’s directory-information notice.

At a school covered by FERPA, you can restrict disclosure of designated directory information by following the school’s notice and its opt-out deadline.

What to do next

  1. Ask the school office for its current directory-information notice.
  2. Identify which listed information you do not want shared.
  3. Submit the written opt-out by the school’s deadline and keep confirmation.

Words you can use

Please restrict disclosure of [LISTED DETAILS] under your directory-information policy. Please confirm receipt of this request.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • FERPA rights transfer to the student at 18 or attendance at a postsecondary institution.
  • Other FERPA exceptions may allow disclosure without your consent.
Read the federal directory-information guidance ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS Department of Education · Directory information notices and opt-out ↗Sources read 2026-10-13 · not a lawyer’s review

LGBTQ+ rights

Religion & belief

Can my employer move me out of public view because customers dislike my religious clothing?Federal rule · specific setting

Federal rule · specific setting

For this situationA private or state/local employer covered by Title VII, generally with at least 15 employees, assigning work because of religious appearance.

A covered employer cannot assign you to a non-customer-facing job because of actual or feared customer prejudice about religious dress or grooming. Customer preference is not a defense to religious discrimination.

What to do next

  1. Record the reason given for moving you, including who mentioned customer reactions and when. Save schedules and messages.
  2. Tell the employer the dress or grooming practice is religious and request an explanation and correction of the reassignment.
  3. Contact the EEOC promptly if the explanation remains customer preference. Preserve changes in pay, duties, hours, or promotion opportunities.
What could change this answer?
  • Coverage exceptions, including issues involving religious organizations or ministerial roles, can alter the analysis.
  • The employer’s stated reason and actual evidence matter. This guide does not decide whether a particular safety restriction is justified.
Start the EEOC charge process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatEEOC · Religious Garb and Grooming, Questions 5 and 8 ↗Sources read 2026-10-13 · not a lawyer’s review

Consumer & identity

A collector says I owe money I do not owe. What do I send?Federal rule · specific setting

Federal rule · specific setting

For this situationA personal, family or household debt handled by a collector covered by federal debt-collection law. A bill from the original creditor may follow different rules.

Send a written dispute within the 30-day period on the debt validation notice. A covered collector must pause collection of the disputed amount until it provides verification.

What to do next

  1. Find the dispute deadline, creditor, amount and reference number on the notice.
  2. Write which debt or amount you dispute. If you already paid, include copies of payment evidence. Keep the originals.
  3. Send your dispute to the collector’s address on the notice. Keep a copy and delivery proof; certified mail with a return receipt provides evidence.

Words you can use

I dispute [ALL / PART] of the debt in your notice dated [DATE], reference [NUMBER], because [REASON]. Please provide verification and the name and address of the original creditor. Please send your response in writing.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • Already past the 30 days? You can still dispute, but this particular pause-on-collection protection may not apply.
  • Verify the collector before sending financial information or money.
Open CFPB debt-dispute guidance and sample letters ↗Report a debt-collection problem to the CFPB ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Validation notice and 30-day dispute rule ↗CFPB · Disputing a debt and keeping proof of delivery ↗Sources read 2026-10-12 · not a lawyer’s review
My credit card statement has a duplicate charge. How do I preserve my dispute rights?Federal rule · specific setting

Federal rule · specific setting

For this situationA billing error on a consumer credit card, such as the same purchase charged twice. Debit-card rules differ.

Make sure the card issuer receives your written billing-error notice at its billing-dispute address within 60 days after it sent the first statement showing the error. Calling alone may not preserve these protections.

What to do next

  1. Save the statement, receipt and the date the issuer sent the statement. Identify both duplicate entries.
  2. Write your name, account number, disputed amount and why it is wrong. Follow the statement’s dispute instructions and retain delivery proof.
  3. Track the response. The issuer generally must acknowledge your letter within 30 days unless it has already resolved the issue.
What could change this answer?
  • You can withhold the disputed amount and related charges during the investigation, while paying correct charges.
  • If the issuer concludes the bill is correct, read its explanation and payment deadline before deciding your next step.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

I lost my debit card this morning. How quickly should I tell the bank?Federal rule · specific setting

Federal rule · specific setting

For this situationA lost or stolen debit card linked to a consumer bank or credit-union account and transfers you did not authorize.

Report it immediately. Reporting within two business days after discovering the loss generally limits your liability for unauthorized transfers to the smaller of $50 or the unauthorized amount.

What to do next

  1. Use the bank’s official app or published telephone number to report the loss and request a replacement.
  2. Identify unauthorized withdrawals or purchases separately. Save the report time, confirmation number and any written follow-up instructions.
  3. Review later statements and report additional unauthorized transfers promptly; do not assume a replacement card resolves every disputed charge.
What could change this answer?
  • A card you still possess but whose number was stolen can involve different liability rules.
  • Transfers you knowingly authorized, including some scam payments, require a different analysis from a thief’s unauthorized use.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Unauthorized bank transactions and a lost debit card ↗Sources read 2026-10-13 · not a lawyer’s review
Can I stop next week’s automatic gym payment from my bank account?Federal rule · specific setting

Federal rule · specific setting

For this situationA recurring electronic debit from a consumer deposit account. This is not a credit-card cancellation rule.

You can stop a preauthorized electronic transfer by notifying your bank at least three business days before the scheduled payment. Also tell the gym that you revoke its debit authorization.

What to do next

  1. Tell the company in writing that it no longer has permission to debit your account. Keep a dated copy.
  2. Give your bank the company name, payment date and amount, and request a stop-payment order at least three business days ahead.
  3. Ask about written confirmation and fees. If the bank requires confirmation within 14 days of an oral order, send it to the specified address.
What could change this answer?
  • A missed confirmation deadline can end the bank’s obligation to honor the oral order.
  • Cancel the underlying membership separately if that is your goal, and arrange another payment method for valid debts.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Regulation E, section 1005.10: preauthorized transfers ↗CFPB · How to stop automatic payments ↗Sources read 2026-10-13 · not a lawyer’s review
My credit report lists a late payment I made on time. How do I challenge it?Federal rule · specific setting

Federal rule · specific setting

For this situationInaccurate or incomplete information in a consumer credit report, including payment history reported by a lender.

Dispute the specific entry with both the credit reporting company and the lender that supplied it. Include copies of payment evidence and explain exactly what should change.

What to do next

  1. Save the report and mark the account, month and status you dispute. Gather receipts or bank records.
  2. Send the dispute through the reporting company’s process and to the lender’s designated dispute address. Keep copies and delivery records.
  3. Read the investigation result and compare any updated report with your requested correction.
What could change this answer?
  • Investigations generally take 30 days; specified situations allow up to 45 days.
  • If the dispute remains unresolved, you can request a brief dispute statement in your file; that does not remove the entry or guarantee credit approval.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · How to dispute a credit-report error ↗CFPB · Credit-report investigation timing ↗Sources read 2026-10-13 · not a lawyer’s review
A lender rejected my application because of my credit report. Can I get that report free?Federal rule · specific setting

Federal rule · specific setting

For this situationA credit application denied based on information in a consumer report under federal credit-reporting rules.

Yes. Request it from the reporting company identified in the adverse action notice within 60 days. This free report is separate from your regular free annual report.

What to do next

  1. Keep the denial notice and find the reporting company’s name, address and telephone number.
  2. Request the free report within 60 days and explain that the request follows adverse action.
  3. Review the report for mixed identities, inaccurate balances or payment errors, and dispute mistakes with the reporting company and information provider.
What could change this answer?
  • The lender must give the main reasons for denial or explain how to request them; the report alone may not explain its decision.
  • If you believe discrimination affected the decision, save application records and describe that concern separately in any complaint.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Credit denied because of a credit report ↗Sources read 2026-10-13 · not a lawyer’s review
Where can I get my actual credit reports without buying a monitoring subscription?Federal rule · specific setting

Federal rule · specific setting

For this situationYour own reports from the three nationwide credit bureaus. Other specialty reports have separate request routes.

Use AnnualCreditReport.com, the authorized route for free annual reports from Equifax, Experian and TransUnion. The bureaus also currently offer free weekly online reports there.

What to do next

  1. Type AnnualCreditReport.com yourself or follow the FTC’s official link. Avoid ads promising a free report with a trial.
  2. Select the bureaus you want and complete the identity-verification process on the authorized site. Save the reports securely.
  3. If online verification fails, use the official telephone or mail request options described by the FTC.
What could change this answer?
  • Federal law guarantees the annual report; weekly online access is an additional bureau program.
  • A report request may require identity information. A site asking for payment-card details to start a subscription is offering something different.
Open FTC instructions and official report links ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFTC · Free Credit Reports ↗Sources read 2026-10-13 · not a lawyer’s review
An online store missed its promised shipping date. Do I have to keep waiting?Federal rule · specific setting

Federal rule · specific setting

For this situationCovered merchandise ordered online, by telephone or by mail from a seller subject to the FTC’s shipment rule.

A seller that cannot ship on time must tell you about the delay and let you choose between agreeing to wait and cancelling for a full refund. Without a promised time, the usual shipping deadline is 30 days.

What to do next

  1. Save the order confirmation, promised shipping date and proof of payment before the seller changes the listing.
  2. Ask the seller for the revised shipping date. If you want to cancel, state that clearly and request the full refund.
  3. Keep the cancellation and refund records. If the seller will not resolve it, contact your payment provider promptly and report suspected fraud.
What could change this answer?
  • Agreeing to a delay can change the shipment deadline; retain the terms of that agreement.
  • Payment disputes have separate deadlines and protections. Do not let repeated promises cause you to miss a credit-card dispute deadline.
Open the FTC reporting form ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFTC · Orders that never arrive and unordered products ↗Sources read 2026-10-13 · not a lawyer’s review
A debt collector keeps calling my work line even though personal calls are banned. Can I stop that?Federal rule · specific setting

Federal rule · specific setting

For this situationA collector covered by federal debt-collection law collecting a personal, family or household debt.

Tell the collector that your employer does not allow those calls. Once a covered collector knows you cannot receive its calls at work, it may not keep calling you there.

What to do next

  1. Tell the collector that your employer prohibits personal collection calls at that number. Keep a written copy when possible.
  2. Log later calls with dates, numbers, messages and the name of the person who called.
  3. If the collector discussed your debt with a coworker, save that person’s account of what was said and include it in a complaint.
What could change this answer?
  • Collectors may make limited contacts with others to locate you, but generally cannot disclose that you owe a debt.
  • An original creditor collecting its own debt may not be covered by these particular federal collector rules.
Open the CFPB complaint process ↗

Links open the named service. REYETS does not send or file anything.

Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCFPB · Debt collectors, employers and other people ↗Sources read 2026-10-13 · not a lawyer’s review

Family & care

Witnessing & recording

Healthcare & services

I am paying without insurance. Can I request a written estimate before booking care?Federal rule · specific setting

Federal rule · specific setting

For this situationA person not using health insurance to pay for planned US health care who asks the provider or facility for expected charges.

Usually, an uninsured or self-pay patient can request a good faith estimate of expected charges before scheduling. The provider or facility generally must supply it within three business days of that request.

What to do next

  1. Tell the billing office that you will not use insurance and request a written good faith estimate for the specific service.
  2. Ask which providers and facilities will bill separately and request their estimates too. Save dated copies before care.
  3. If a required estimate is missing, use CMS’s patient-rights guidance or call the No Surprises Help Desk at 800-985-3059.
What could change this answer?
  • Scheduling at least three business days ahead triggers separate estimate timing rules; last-minute scheduling differs.
  • Separately scheduled care and another provider’s services may not appear on the same estimate. Ask what the document includes.
Contact the CMS No Surprises Help Desk ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCMS · What Is a Good Faith Estimate? ↗Sources read 2026-10-13 · not a lawyer’s review
My self-pay bill is $500 above the written estimate. Can I challenge it through CMS?Federal rule · specific setting

Federal rule · specific setting

For this situationAn uninsured or self-pay patient who informed the provider before care, has the required advance good faith estimate, and received care on or after January 1, 2022.

You may qualify for patient-provider dispute resolution when one provider or facility bills at least $400 more than its good faith estimate and the other eligibility conditions are met.

What to do next

  1. Compare each provider’s billed amount with that provider’s estimate. Save both documents and mark the initial bill date.
  2. Review CMS’s eligibility checklist, including its advance-estimate requirement, then start the patient-provider dispute process before the deadline.
  3. Submit the documents and pay the administrative fee through the official process. Keep the case confirmation and respond to requests.
What could change this answer?
  • Bills paid through insurance and bills without a qualifying estimate use different complaint or appeal routes.
  • Unexpected necessary services that could not reasonably be anticipated can affect the decision; a $400 difference alone does not guarantee a reduction.
Start CMS patient-provider dispute resolution ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCMS · Dispute a Medical Bill ↗Sources read 2026-10-13 · not a lawyer’s review
Can a hospital emergency room require payment before screening me for an emergency?Federal rule · specific setting

Federal rule · specific setting

For this situationSomeone seeking emergency evaluation at a hospital emergency department subject to EMTALA, including most US hospital emergency departments.

A Medicare-participating hospital emergency department must offer an appropriate medical screening examination regardless of insurance or ability to pay. Payment inquiries must not delay required emergency screening or treatment.

What to do next

  1. Tell clinical staff your symptoms and that you are requesting an emergency screening exam. Seek immediate emergency help if needed.
  2. If payment is demanded first, ask for the charge nurse or supervisor and explain that you need screening regardless of ability to pay.
  3. After urgent care needs are addressed, record the hospital, time, symptoms, people involved, and demand. Use CMS’s EMTALA complaint instructions if screening was refused or delayed.
What could change this answer?
  • A non-emergency office or clinic may not be covered by this hospital rule.
  • If an emergency condition exists, available capabilities determine stabilization and appropriate-transfer duties; later billing is a separate issue.
Open CMS EMTALA rights and complaint route ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatCMS · Emergency Room Rights Under EMTALA ↗CMS · EMTALA and Collection Practices, Memo 14-06 ↗Sources read 2026-10-13 · not a lawyer’s review
My doctor refuses to release my records until I pay an old treatment bill. Is that allowed?Federal rule · specific setting

Federal rule · specific setting

For this situationA patient requesting their own accessible health information from a HIPAA-covered provider, rather than a third party demanding records.

A HIPAA-covered provider cannot deny your right of access to your health information because you owe money for medical treatment. A permissible copying fee is a separate issue.

What to do next

  1. Send the records office a dated request identifying the records and format. Follow its reasonable identity-verification process.
  2. If the treatment balance is cited, ask the privacy officer to separate your access request from collection of the bill. Save the refusal.
  3. Use HHS OCR’s HIPAA complaint process if access remains denied. Include your request, delivery proof, and the provider’s stated reason.
What could change this answer?
  • A reasonable, cost-based copy charge may still be allowed; it differs from an unpaid treatment bill.
  • HIPAA coverage, whether you are the patient or authorized representative, and any access exception can change the outcome.
File a HIPAA complaint with HHS OCR ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHHS · Access Cannot Be Denied for Unpaid Health Care Bills ↗Sources read 2026-10-13 · not a lawyer’s review
It has been more than 30 days since my medical-records request. Can the provider keep delaying?Federal rule · specific setting

Federal rule · specific setting

For this situationAn individual requesting access to their protected health information held by a HIPAA-covered provider or health plan.

Under HIPAA, a covered entity must act within 30 calendar days after receiving an access request. It may take one additional period of up to 30 days with a timely written explanation and completion date.

What to do next

  1. Find the date the organization received the request, using portal confirmation, delivery proof, or its acknowledgement. Keep the original request.
  2. Ask its privacy officer whether an extension notice was issued and request the specific reason and promised completion date.
  3. If the deadline passes without proper action, file through HHS OCR’s HIPAA complaint route and include the timeline and correspondence.
What could change this answer?
  • The deadline concerns action on an access request; a legally permitted denial may carry separate review rights.
  • State access rules may be faster. Requests for amendment, rather than access, have different response rules and should be identified separately.
File a HIPAA complaint with HHS OCR ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHHS · Time for Acting on Access Requests, 45 CFR 164.524 ↗Sources read 2026-10-13 · not a lawyer’s review
I discovered an improper disclosure of my medical records months later. When does the HIPAA complaint clock start?Federal rule · specific setting

Federal rule · specific setting

For this situationA suspected HIPAA Privacy, Security, or Breach Notification Rule violation by a covered entity or a business associate subject to those rules.

An HHS OCR complaint generally must be filed within 180 days of when you knew or should have known about the alleged violation. OCR can extend that period for good cause.

What to do next

  1. Write down what happened, when it happened, and when and how you discovered it. Save notices and relevant messages.
  2. Use the HHS OCR complaint portal or its official complaint forms, identifying the organization and the conduct you believe violated HIPAA.
  3. Keep confirmation. If filing late, explain the specific facts supporting good cause rather than assuming the deadline will be excused.
What could change this answer?
  • When you reasonably should have known can matter even if you personally noticed the issue later.
  • A disclosure allowed by HIPAA or conduct by an entity outside its coverage may need a different route.
File a HIPAA complaint with HHS OCR ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHHS · HIPAA Complaint Intake and Review ↗HHS · Privacy and Security Complaint Process ↗Sources read 2026-10-13 · not a lawyer’s review
My provider refused to amend an inaccurate record. Can my disagreement become part of the record?Federal rule · specific setting

Federal rule · specific setting

For this situationA patient whose request to amend health or billing information was denied by a provider or health plan covered by HIPAA.

If a HIPAA-covered provider or plan denies your amendment request, you can submit a statement of disagreement that must be added to the record under the amendment process.

What to do next

  1. Keep your original amendment request and the written denial. Identify the exact entry, date, and factual disagreement.
  2. Ask the privacy officer for the process to submit a statement of disagreement and any reasonable length limit. Provide a concise statement with supporting facts.
  3. Request confirmation that the statement was added. If the organization refuses the required process, preserve its response and contact HHS OCR.
What could change this answer?
  • Requesting access to records is different from asking to amend them; access has its own rules.
  • Who created the entry, whether it belongs in the designated record set, and whether it is accurate and complete affect amendment rights.
File a HIPAA complaint with HHS OCR ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatHHS · Your Medical Records: Corrections, 45 CFR 164.526 ↗Sources read 2026-10-13 · not a lawyer’s review

Community & advocacy

Can I request federal records without agreeing to an unlimited bill?Federal rule · specific setting

Federal rule · specific setting

For this situationA request to a federal executive-branch agency under FOIA.

Yes. Put a maximum fee amount in your FOIA request and ask the agency to contact you before exceeding it. Submitting a request has no initial filing fee.

What to do next

  1. Describe the records and date range narrowly.
  2. State the most you are willing to pay.
  3. If given an estimate, ask about narrowing the request before agreeing.

Words you can use

Please contact me before incurring fees above [$AMOUNT]. I prefer electronic copies.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • Fees depend on the requester’s category and the agency’s rules.
  • Financial hardship alone does not qualify for a public-interest fee waiver.
Read FOIA fee rules and request options ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFOIA.gov · Fees and fee limits ↗Sources read 2026-10-13 · not a lawyer’s review
A federal agency withheld records I requested. How do I challenge that?Federal rule · specific setting

Federal rule · specific setting

For this situationAn initial FOIA response from a federal executive-branch agency.

Follow the administrative-appeal instructions in the agency’s response. Identify the request and explain which withholding or search decision you want reviewed.

What to do next

  1. Keep the response and tracking number.
  2. Identify the disputed decision and the reason you disagree.
  3. Send the appeal to the named appeal authority and retain proof.
What could change this answer?
  • FOIA exemptions can lawfully protect some material.
  • State public-records disputes use different procedures.
Read FOIA appeal guidance ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatFOIA.gov · Administrative appeals ↗Sources read 2026-10-13 · not a lawyer’s review

Flights & travel

My airline cancelled my flight. Do I have to accept a voucher?Federal rule · specific setting

Federal rule · specific setting

For this situationA flight to, from or within the US, bought directly from the airline. This guide covers cancellation, not a change of mind.

No. If you decline the replacement flight and other compensation, you are entitled to a refund. A nonrefundable ticket does not remove this right when the airline cancels.

What to do next

  1. Keep the cancellation notice and booking number.
  2. Tell the airline you decline rebooking and credit. Keep a copy.
  3. For a credit-card purchase, check for the refund within 7 business days after rejecting the alternative.

Words you can use

My booking is [NUMBER]. The airline cancelled [FLIGHT / DATE]. I decline replacement travel and vouchers. Please refund my original payment.

Replace the brackets with your details. Keep only what is true for you.

What could change this answer?
  • Booked through a travel agency? Check who charged your card. The airline or agency that charged you is responsible for the ticket refund.
  • Already travelled or accepted compensation? This guide does not establish a full-fare refund.
Read DOT’s refund instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Refunds: cancelled flights, alternatives and timing ↗Sources read 2026-10-12 · not a lawyer’s review
I booked the wrong flight directly with the airline an hour ago. Is there a 24-hour cancellation right?Federal rule · specific setting

Federal rule · specific setting

For this situationA ticket booked directly with an airline for covered US air travel, at least seven days before scheduled departure.

For bookings made at least seven days before departure, airlines must offer either a 24-hour unpaid hold or cancellation within 24 hours with a full refund. They do not have to offer both.

What to do next

  1. Find the booking timestamp, departure date and the airline’s published 24-hour policy immediately.
  2. If the airline provides the cancellation option, use its official cancellation process before the window closes and request the full refund.
  3. Save the cancellation confirmation and payment record. Follow up if the promised refund does not arrive.
What could change this answer?
  • A booking less than seven days before departure may only receive protections offered voluntarily by the airline.
  • This rule does not require free date changes or name corrections. A cancellation and a ticket change are different requests.
Open DOT air travel complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Buying a Ticket: 24-hour reservations ↗Sources read 2026-10-13 · not a lawyer’s review
I checked in on time but an oversold flight denied me a seat. Can the airline owe compensation?Federal rule · specific setting

Federal rule · specific setting

For this situationInvoluntary denied boarding caused by oversales on a flight covered by DOT’s bumping rules, departing a US airport.

Possibly. On covered departures from a US airport, involuntary bumping can require payment when you have a confirmed reservation, meet check-in and gate deadlines, and cannot be rerouted to arrive within one hour of your original arrival time.

What to do next

  1. Ask whether the denial is involuntary and caused by oversales. Save your confirmed booking and evidence you arrived on time.
  2. Request the written denied-boarding explanation and compensation rules from the airline.
  3. Compare the replacement flight’s scheduled arrival with the original. Ask for the payment calculation and keep any offer in writing.
What could change this answer?
  • Flights departing foreign airports and aircraft with fewer than 30 seats are excluded from these DOT compensation rules.
  • The amount depends on delay, fare and itinerary, subject to limits. A travel voucher is not the only possible payment form.
Open DOT air travel complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Bumping and Oversales ↗Sources read 2026-10-13 · not a lawyer’s review
We have been stuck on the plane for two hours. Must the airline provide water?Federal rule · specific setting

Federal rule · specific setting

For this situationA ground delay at a US airport when passengers cannot get off, on an airline covered by DOT’s tarmac-delay rule.

During a covered tarmac delay at a US airport, the airline must provide drinking water and a snack no later than two hours after the delay starts, unless safety or security prevents service.

What to do next

  1. Note when the aircraft doors closed before departure, or when the arriving aircraft landed, and keep later announcements.
  2. Ask the crew about water and a snack once the delay approaches two hours. Explain urgent medical needs separately.
  3. After the trip, send the airline your flight number, airport, timeline and what was provided; use DOT’s complaint route if necessary.
What could change this answer?
  • The rule requires a snack, not a full meal. Safety or security can temporarily prevent service.
  • A delay at a foreign airport is outside this US tarmac rule. Separate rules govern when passengers must be allowed off.
Open DOT air travel complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Tarmac Delays ↗Sources read 2026-10-13 · not a lawyer’s review
My checked bag is delayed. Can I claim the toiletries and clothes I need meanwhile?Federal rule · specific setting

Federal rule · specific setting

For this situationNecessary incidental expenses while checked baggage is delayed in covered domestic or international air travel.

Airlines must reimburse reasonable, documented, actual incidental expenses caused by delayed baggage, subject to applicable liability limits. They cannot impose an arbitrary daily reimbursement cap.

What to do next

  1. File a missing-baggage claim with the airline as soon as possible. Save the bag tag and claim reference.
  2. Buy reasonably necessary replacement items, keep itemized receipts and note why you needed them during the delay.
  3. Submit the expense claim through the airline’s baggage process and keep a copy of any denial or arbitrary daily-limit policy.
What could change this answer?
  • Domestic and international liability limits differ. A domestic connection on an international itinerary can follow international rules.
  • A lost-bag settlement and refund of a baggage fee are separate issues; ask the airline how to request each applicable remedy.
Open DOT air travel complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Lost, Delayed, or Damaged Baggage ↗Sources read 2026-10-13 · not a lawyer’s review
Airport staff refuse the disability assistance I requested. Who can resolve it before my flight?Federal rule · specific setting

Federal rule · specific setting

For this situationA disability-related airline accommodation or service problem on air travel covered by the Air Carrier Access Act.

Ask for the airline’s Complaint Resolution Official, or CRO. This person is trained in disability air-travel rules and can resolve complaints for the airline; access may be by telephone.

What to do next

  1. Tell airline staff what assistance was requested, what happened and that you want to speak with the CRO.
  2. Save the flight details, assistance request and names or roles of staff involved. Record the time without delaying needed assistance.
  3. Send a written disability complaint to the airline promptly; its required response process generally applies to complaints sent within 45 days of the incident.
What could change this answer?
  • Airlines generally must address a timely written disability complaint within 30 days.
  • DOT’s disability hotline can help with urgent issues during its published operating hours; an online complaint is not an immediate rescue service.
Open DOT’s disability assistance and complaint options ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Airline Passengers with Disabilities Bill of Rights ↗US DOT · Air Travel Complaints ↗Sources read 2026-10-13 · not a lawyer’s review
I paid the airline for Wi-Fi but it never worked. Can I get that fee back?Federal rule · specific setting

Federal rule · specific setting

For this situationAn optional airline service purchased for a flight to, from or within the US, such as paid in-flight Wi-Fi.

Yes, if the paid service was unavailable through no fault of yours. DOT rules require a refund of the fee for an airline’s optional service that was not provided.

What to do next

  1. Keep the separate service receipt, flight number and date. Save an error message or airline notice showing the outage.
  2. Tell the airline which paid service was unavailable and request a refund of that fee.
  3. Keep the request and response, then use DOT’s complaint process if the airline does not address the missing service.
What could change this answer?
  • If you bought the service through a ticket agent, DOT directs you to request this fee refund from the airline.
  • An inability caused by your own device or failure to use an available service may not meet the rule’s no-fault requirement.
Open DOT air travel complaint instructions ↗

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Federal rule. State or local protections may add to it. Legal review pending.

Why this answer says thatUS DOT · Refunds for unavailable ancillary services ↗Sources read 2026-10-13 · not a lawyer’s review

These guides cover the situations they name. They are source-checked drafts, not a complete state law library or a lawyer’s review. County rules are not inferred from your state.

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