DisputeKit / States / Indiana
Your consumer rights in Indiana
What Indiana and federal law say about getting a security deposit back, refunds and cancelling subscriptions, with the law cited and a sample letter for each.
Security deposits
45 days. Under Indiana Code § 32-31-3-14, a landlord must return the security deposit minus any lawful deductions, together with an itemized written notice of the damages claimed and the estimated cost of repair for each item within 45 days. The clock starts when you move out and hand back possession of the unit. Your landlord is not liable until you give them a mailing address in writing. If they miss that deadline, they lose the right to keep any part of the deposit.
Refunds
If a company won't refund you, send a written demand with a clear deadline. If you paid by credit card, you may also be able to dispute the charge: Under the Fair Credit Billing Act, a billing-error dispute must reach the card issuer in writing within 60 days after the first statement showing the charge.
Subscriptions
Indiana has no automatic-renewal statute. For subscriptions sold online, the federal Restore Online Shoppers' Confidence Act requires a simple way to stop recurring charges, and Indiana's general consumer protection law applies.
Small claims and complaints in Indiana
- Indiana consumer law
- Indiana Code § 24-5-0.5-3 (Deceptive Consumer Sales Act)
- Where to file a complaint
- Indiana Attorney General, Consumer Protection Division
- Small claims limit
- $10,000 on the small claims docket
- Filing fee
- Varies by county (filing fee plus service fees); check with the county clerk