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Loan Scam Questions

There are many types of loan scams. Payday loan scams seem to be among the most common. Student loan scams and other types of personal and mortgage loan scams follow close behind. Below are five of the top loan scam questions that have been answered by Experts.

How will someone know if a loan is a loan scam?

Here are some general rules. Avoid loan companies offering guaranteed personal loans and those that say you've been pre-approved for a loan – legitimate lenders base their decision on whether you'll be able to repay and also with a credit check. Always take care with companies that claim to offer low cost loans to those who can't get credit elsewhere. Legitimate loan companies don't request money up front, so if you're asked for an advance fee for processing, application, repayment or insurance, you can be sure it’s a scam.

If someone was a victim of a student loan scam, who is responsible for repayment of the loan?

This will depend on who received the money and where the money went. The problem in these situations is that it was you that borrowed the money, not the school. If the school may have been a fraud and if there was a way to collect from them you would certainly have that right. Most student loans are not subject to bankruptcy so you can't get relief in that the way you might if this were some credit card.

Is there anything someone can verify if a loan company is a scam?

If you have already checked on the Better Business Bureau and have come up empty handed, you can contact the National Credit Union Administration and ask them to verify the existence and authenticity of the credit union that is asking for this up front money. Here is their website that contains valuable information: http://www.ncua.gov/.

What should someone do if they feel they are a victim of a loan scam?

You should send them a certified, return receipt requested letter demanding that they refund your money in total within a short specified period of time. Inform them that if your demand is not timely complied with, you will have no choice but to file a suit against them for your damages. Be sure to specifically mention that you will be filing this claim not only as a breach of contract case, but also as a deceptive trade practice action, which will entitle you not only to your damages, but also an additional amount equal to 3 times that as punitive damages. That should provide plenty of incentive to comply with your demands; but, if it does not, file your suit. Also, contact your state attorney general's office

If someone called stating they were a law firm trying to collect an old Payday Loan that was never applied for and threatened an arrest, what should you do?

They cannot do anything to you without filing an actual lawsuit and serving you with proper notice. The first thing to do, if they call again would be to tell them that you dispute the claim and you want their mailing address so you can send them notice to only communicate in writing as required by the Fair Debt Collection Practices Act. You can also call the police to report the fraud and the phone number so if they can try to locate the person they can stop them from calling again. It is most likely a scam, so you could contact the FBI. Under no circumstances should you give them any money or personal information.

Loan scams are becoming a nuisance to many unsuspected victims. Do not become a victim of a payday or student loan scam. Ask your loan scam questions to Experts for helpful answers based on an assessment of the details of your case.

Ask a Criminal Lawyer

Ely
Ely, Counselor at Law
Category: General
Satisfied Customers: 2456
Experience:  Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
7286322
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Criminal Lawyers are online & ready to help you now

Fran L.
JustAnswer Criminal Law Mentor
Satisfied Customers: 8061
18 yrs of NYC public defense. Extensive arraignment, hearing, trial experience.
Ely
Counselor at Law
Satisfied Customers: 2079
Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
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Lawyer
Satisfied Customers: 1625
Over 10 years of criminal defense practice.

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    A STATE TROOPER LIED UNDER OATH AND CONTRADICTED STATEMENTS PREVIOUSLY MADE DURING HIS TESTIMONY WHEN HE WAS CROSS EXAMINED. THE JUDGE STILL RULED IN THE STATE'S FAVOR SAYING SHE TOOK HIS WORD UNDER OATH. I ALSO GOT THE TROOPER TO ADMIT HE DID NOT FOLLOW PROCEDURES BEFORE, DURING OR AFTER THE STOP. THIS WAS AN AGGRESSIVE DRIVING CHARGE AND EXCEEDING SPEED LIMIT. I APPEALED AND THE AGRESSIVE CHARGE WAS DROPPED IN A PLEA DEAL UNDER ADVISEMENT OF MY LAWYER. I WANT THIS STATE TROOPER HELD ACCOUNTABLE FOR LYING UNDER OATH AS HIS SUPERIORS ARE NOT RESPONDING TO EMAILS. I HAVE THE OFFICAIL AUDIO CD FROM THE TRIAL AS PROOF AND CAN OBTAIN THE TRANSCRIPT IF NEEDED
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