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 William B. Esq. Your Own Question

William B. Esq.
William B. Esq., Attorney
Category: Legal
Satisfied Customers: 2961
Experience:  Civil litigation attorney for individuals and businesses.
Type Your Legal Question Here...
William B. Esq. is online now
A new question is answered every 9 seconds

My debt settlement company owes me a sum of about $2713.8 because

Resolved Question:

My debt settlement company owes me a sum of about $2713.8 because they failed to negotiate a settlement on one of my student loan accounts. And ihad to pay the full amount. In the contract that I have with this company it states that if (settlement company) does not successfully negotiate a settlement which is at least 15 percent of the original enrolled debt. They will provide me with a refund of 15 percent of the original amount or any reduced amount if less than 15 percent. I finished paying off the Loan last fall and contacted my settlement company and asked them for the refund. They told me I was not eligible because I had missed a payment in 2011 and to qualify for the refund I couldn't have missed a payment. But the contract states that in order to qualify I must be current in my budget of $1000 per month and current of all customer fees which is $75 per month. I notified the company well in advance that I wasn't going to be making the $1000 monthly payment for that particular 2011 date and that was the only month i didnt make a payment. and that was because the creditor was garnishing my parents wages and i had to reimburse them. I authorized them to take the customer fee out of my savings so that wasn't missed for the month and 5 months prior to this time I authorized a payment of $5000for one month so I had already exceeded my savings plan. I have contacted my debt settlement company numerous times about this and I have not been able to get an explanation. They always tell me there is a certain person whom I must speak with about this and every time they redirect my call to this person I get voicemail and I have left messages with my phone number several times and have not heard back. I feel that I am entitled to this refund and they are contractually obligated to pay it, and they are avoiding me. What are the appropriate steps I should take in dealing with this? I have copies of the contract and payment history and proof of payment on the loan.
Submitted: 1 year ago.
Category: Legal
Expert:  William B. Esq. replied 1 year ago.

William B. Esq. :

Dear Customer, thank you for choosing Just Answer.

William B. Esq. :

If you believe that the debt settlement company has breached its contract with you and is ignoring its obligations, you have the right to file a breach of contract action against them. In Michigan, you may file this action in small claims court (anything less than $5,000.00), and do so effectively without the need for an attorney: http://courts.mi.gov/Self-help/center/casetype/Pages/SmallClaims.aspx

William B. Esq. :

It may be cost effective to first write the company a "demand letter" in which you identify your claim and your intent to pursue your rights in court. Some attorneys like to attach a copy of a completed complaint that they intend to file if the defendant does not respond within a certain period of time (2 weeks or so in most cases).

William B. Esq. :

I am going to move your question to our other format to ensure that you are able to review my answer, and so that you can ask any follow up questions you may have. The forum is currently being updated and I want to ensure that you can see my response.

William B. Esq., Attorney
Category: Legal
Satisfied Customers: 2961
Experience: Civil litigation attorney for individuals and businesses.
William B. Esq. and 10 other Legal Specialists are ready to help you
Expert:  William B. Esq. replied 1 year ago.
Our chat has ended, but you can still continue to ask me questions here until you are satisfied with your answer. Come back to this page to view our conversation and any other new information.

What happens now?

If you haven’t already done so, please rate your answer above. Or, you can reply to me using the box below.

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... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...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
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan
 
 
 

Meet The Experts:

 
 
 
  • Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/RA/ratioscripta/2012-6-13_2955_foto3.64x64.jpg Ely's Avatar

    Ely

    Counselor at Law

    Satisfied Customers:

    19941
    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    8189
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/jespoag/2008-12-17_222355_jessepic.jpg JPEsq's Avatar

    JPEsq

    Attorney

    Satisfied Customers:

    2132
    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • http://ww2.justanswer.com/uploads/gsenmartin/2008-04-22_214950_me1.jpg Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.

    Attorney

    Satisfied Customers:

    110
    7+ years of experience handling various legal matters.
  • http://ww2.justanswer.com/uploads/PA/PaulmoJD/2013-10-10_195858_JAImage.64x64.jpg Law Educator, Esq.'s Avatar

    Law Educator, Esq.

    Attorney

    Satisfied Customers:

    31621
    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    15975
    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.