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Ely
Ely, Counselor at Law
Category: Legal
Satisfied Customers: 101381
Experience:  Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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I have a question about a consumer Protection counsel in Pa

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I have a question about a consumer Protection counsel in Pa that we have binded a contract with helping to reduce our credit cards and wants a monthy payment and wants a money order up front is this legal?
Hello friend. My name is XXXXX XXXXX welcome to JustAnswer. Please note: (1) this is general information only, not legal advice, and, (2) there may be a slight delay between your follow ups and my replies.

I am sorry for your situation. Does the contract state that you would be paying them a certain amount of money and is this what they are asking?

This is not an answer, but an Information Request. I need this information to answer your question. Please reply, so I can answer your question. Thank you in advance.
Customer: replied 3 years ago.

yes 261.33 which will be toward payments of credit cards and legal fees.


 

Friend,

Thank you. So in essence they are asking what is under the contract, but you wish to know if this verbiage in the contract is lawful to begin with - correct?
Customer: replied 3 years ago.

yes.


 

Thank you.

On this website, I do not always get to give good news, and I am afraid that this is one of these times.

The answer is yes, this is lawful. It is not unlawful for debt consolidation companies to charge you for their services under NY law. If this is what one signed, then one is liable for it.

The only way that one would not be liable is if:

1) They tricked you in some way;
2) They do not hold up their end of the bargain (then one can demand a refund); or
3) The clause is unconscionable or against public policy. Sablosky v. Gordon Co., 73 NY 2d 133 - NY: Court of Appeals 1989. However, this would be neither.

Please note: I aim to give you genuine information and not necessarily to tell you only what you wish to hear. Please, rate me on the quality of my information and do not punish me for my honesty. I understand that hearing things less than optimal is not easy, and I empathize.

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