How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask TJ, Esq. Your Own Question

TJ, Esq.
TJ, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 9856
Experience:  JD, MBA
Type Your Bankruptcy Law Question Here...
TJ, Esq. is online now
A new question is answered every 9 seconds

My name is Graydon Dear sir, looking for debt ...

Resolved Question:

My name is Graydon:   Dear sir, looking for debt relief, came upon DEPT ELIMMINATION. Basically they deal with "ultra veries"(?)   My question is what they are telling me that credit cards are used as FRAUD, so therefor I can legally get my credit cards back to ZERO?        Please send to my E-MAIL adress,          XXXXX@XXXXXX.XXX.        Thank you very much.
Submitted: 6 years ago.
Category: Bankruptcy Law
Expert:  TJ, Esq. replied 6 years ago.
Hi. I'd like to help if I can, but I'm confused by your question. Are you asking if you owe a credit card debt that was fraudulently made? Can you provide a background for your situation? How were the charges fraudulently made?

Thank you.
Customer: replied 6 years ago.
Dear Sir, Just want to know if this is a SCAM or ligit? They cite US court, Supreem Court Decisions TITLE 15 US Code 1692, Fair Dept Collections Practices Act, Section 1601.& the Fair credit Billing Act, uniform commerital codesection 203. Thank you, DrAffirmed.
Expert:  TJ, Esq. replied 6 years ago.
I would need to know exactly what your circumstances are, and exactly what you have been told.
Customer: replied 6 years ago.
Dear Sir, We have alot of DEBT. They(Debt Elimmination) are offering for a price to ELIMMINATE all Credit card bills & any NON secured Personal Loans. I am just trying to find out if this is LEGAL or a SCAM.   Thank you, DrAffirmed. PS if it helps DE says all Credit Cards are ULTRE VIRES. I would just like to know YES or NO.
Expert:  TJ, Esq. replied 6 years ago.

Hello and thank you for allowing me to address your legal question.

Based on what you wrote, I can only assume that the service you’re asking about is a scam. Debts cannot be eliminated unless they are paid, forgiven, discharged in bankruptcy, or by court order (for example, in cases of fraud, forgery, etc.). You haven’t suggested that any of the preceding circumstances apply, however, and it doesn’t sound like the service has provided much information as to how your debt will be eliminated.

The fact that the service told you that credit cards are “ultra vires” is pure nonsense and makes no legal sense. Ultra vires generally refers to acts by a corporation that are beyond the scope of its powers. It sounds like the service is just throwing out some fancy legal terms in order to impress.

Remember the old saying, “If it sounds too good to be true, then it probably is.” If I were you, I’d stay away from that service.

If the information that I provided was helpful, please remember to ACCEPT my post as that is the only way I will receive credit and compensation for my answer. Thank you and good luck!

DISCLAIMER: Please understand that the complexities of most legal problems cannot be sufficiently addressed in this setting. Accordingly, my post is intended as general information only, and should neither be construed as specific legal advice, nor as an adequate substitute for the retention of legal counsel.

TJ, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 9856
Experience: JD, MBA
TJ, Esq. and other Bankruptcy Law Specialists are ready to help you

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK

Meet The Experts:

  • FiveStarLaw


    Satisfied Customers:

    Bankruptcy Lawyer. Experienced.
< Last | Next >
  • FiveStarLaw's Avatar



    Satisfied Customers:

    Bankruptcy Lawyer. Experienced.
  • Terry L.'s Avatar

    Terry L.


    Satisfied Customers:

    Better Business Bur 15yrs bankruptcy experience. Chicago Bar
  • Phillips Esq.'s Avatar

    Phillips Esq.


    Satisfied Customers:

    B.A.; M.B.A.; J.D.
  • cortrightlaw's Avatar



    Satisfied Customers:

    Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.
  • JoeLawyer's Avatar



    Satisfied Customers:

    Attorney in the practice of Bankruptcy Law since 1996
  • dylatess's Avatar



    Satisfied Customers:

    35 plus years of experience specializing in bankruptcy law
  • Brent Blanchard's Avatar

    Brent Blanchard

    Bankruptcy Attorney

    Satisfied Customers:

    Twelve years experience in all aspects of debtor & creditor BK.

Related Bankruptcy Law Questions