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Recent consumer protection law questions

In 2008 I was a resident of California and stopped pay on my

In 2008 I was a resident of California and stopped pay on my credit card. Then I moved to Washington continuing not pay to this credit card. Credit card sold (?) me to a collection agency and they continued to harass me. What should I do? I plan to buy a property now, is it not safe with my old owning balance?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

 
44,694 satisfied customers
I have been contacted by a company called YP mobile app,

I have been contacted by a company called YP mobile app, they say I have a past due invoice. This is an unsolicited service. I told them that I have not signed a contract nor authorized this. They told me they have a voice recording with my authorization. This is incorrect. I told them that this was not a real invoice. I was then called by a Michael Burk from something called Peerless resolutions, threatening and harassing. They are demanding payment today. I called YP mobile to resolve this and was sent directly to Michael Burk at Peerless.

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Zoey, JD

Doctoral Degree

 
28,200 satisfied customers
Receiving calls from a man stating hes from consumer

receiving calls from a man stating hes from consumer protection agency in wa d c ,about winning sweepstakes, can that be true?

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Ely

Counselor at Law

Juris Doctor

 
62,074 satisfied customers
I have a receipt large purchase with a receipt that clearly

I have a receipt for a large purchase with a receipt that clearly says refund with receipt within 7 days. When I tried to get my refund for my unopened products they pointed out a small sign stating exchange only. This is for $11,000 dollars.Thank you for your help

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LegalGems

Juris Doctorate

 
12,190 satisfied customers
I need to know the FTC definition of the word

I need to know the FTC definition of the word "cost".Background:I have a company that makes a product. I would like to offer this product to schools "at cost". My intention is that administrative cost are included. Ie direct cost + a small administration fee as it takes actual time (ie money) to administrate and process the order..We are launching a nation-wide crowdfunding campaign and we are currently shooting the video that I would like to make this offer. My intent is to offer our product to schools at cost (or no profit) but make sure I do not lose money as we will probably get a few thousand orders... Do not want to shoot ourselves in the foot here if the FTC interprets "at cost" as direct cost without admin, order handling, shipping handling etc...Should I say something like "offer our product without profit"? It just doesn't sound as good or simple as "at cost"...

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LawTalk

Attorney at Law

Juris Doctor

 
30,966 satisfied customers
We just learned that my elderly father was scammed in the

Hello,We just learned that my elderly father was scammed in the amount of over $50,000 by American Cash Awards. He borrowed money to pay them, and is now being sued for the money he owes. Does he have any legal recourse? And what type of lawyer would specialize in this sort of thing to represent him in the lawsuit?Additionally, my father is a doctor, and the person he borrowed the money from was a patient (though they have been friends for many years before). So my other concern is malpractice. Would this be covered by his malpractice insurance?He has been a victim of these types of scams before, though never to this degree or for such a large amount of money.Thank you!

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

 
44,694 satisfied customers
Received call from person who claims is an officer with

received call from person who claims is an officer with consumer protection agency to assist me in obtaining a large cash award which requires paying a registration fee. fraud?

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Zoey, JD

Doctoral Degree

 
28,200 satisfied customers
Any legitimacy to a federal agent who represents the federal

Hi...any legitimacy to a federal agent who represents the federal trade commission who says he investigated a wire transfer of funds I sent in a scam and that I actually won a large sum of money from the American sweepstakes network...but claims I need to send money to cover insurance...JA: OK. The Consumer Protection Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: No I haven'tJA: Please tell me everything you can about this issue so the Consumer Protection Lawyer can help you best. Is there anything else important you think the Consumer Protection Lawyer should know?Customer: I had sent money via FedEx but stopped it and it is being returned...now the agent says he is having homeland security documents being sent to him and forwarded to me later...I had 4 documents previously sent to me..JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Consumer Protection Lawyer about your situation and then connect you two.

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LegalGems

Juris Doctorate

 
12,190 satisfied customers
My Friend, had purchased a used Honda Prelude in 1995, She

My Friend, had purchased a used Honda Prelude in 1995, She was unable to continue making payments to Key Bank in 1998, the car was repossessed and sold for a fraction of the purchase price. A collection agency started pursuing her, for an amount which was less than 10,000. I got to know her in 2001, and started helping her with clearing her debt, she settled all debts that we were aware of at that time on her credit report, she settled the debt for Key bank for a amount ranging in $2500 + this happened sometime around 2005, since then she has maintained good credit due to good payment history.Say in 2011 a collection agency from Texas got in touch(may be the same) by mail stating that they were representing Key Bank and demanding $51,956.99. She sent a certified letter within 30 days of cease and desist on her behalf stating this debt had been paid and that the statue of limitation had passed in CA. She is a has lived in CA since her birth 58 yrs ago. Out of the blue last Friday may 20th she received a call at her work from some collection agency where she is a receptionist and was asked if she knew a Jimmy Morris (Him and her had co-signed on 2 different leases when girlfriend and boyfriend around 1998 as they moved within CA ( he ended up stealing $17000 from her bank accounts before he left around 1998). Today on the May 24th Zenco Collects her at about 9:30 AM, I was unavailable at that time. Zenco was so detailed and persistent that they got he and worked her up while she was doing her receptionists Job and she was unable to cope with pressure and coercive tactics that in panic she gave her debit and credit card to Zenco Collections on Behalf of Routhmier Sterling Inc toward a settlement amount of $10,000.Shortly thereafter a docusign agreement followed to her email address with an agreement to be digitally signed. This docusign was not signed and returned as Zenco expected, as became aware of the situation when I found out at about 11:00 am. She cancelled her cards immediately, at the time of cancellation the credit card company verified that no outstanding charges had been submitted from anybody and also the ones which were valid. We did a conference call and spoke to somebody who described themselves as a legal processor at Zenco Collects. She stated that and they were doing her a favor by being an intermediary for Routhmeir Sterling Inc./ Keybank and agreeing to settle for $10,000. She stated unless she provides proof, they will report this against my friends social security and or the creditor will be a filing in law suit in Los Angeles County. My friend is concerned that all that she has worked to get her credit score improve has fallen by the wayside, plus she is worried that if she cannot find proof of payment she could ending up owing $50,000+ or in the best case scenario they will slap a collection on her credit history for the amount of $51956.99. What actions should she initiate in this matter to fight this undue collection action and is there a protection offered by law applicable in her situation?

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LegalGems

Juris Doctorate

 
12,190 satisfied customers
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