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Recent consumer protection law questions
I got a final judgment over a year ago from American Express
Hi. I got a final judgment over a year ago from American Express in the amount of $10,000. I just received a paper saying Summary Judgment granted and Motion to Strike granted and asking that I fill out a fact info sheet. I own my home and have a car that is 11 YO. I am divorced and only get 1,900 a month child support. I am currently in school. I have exhausted my Roth IRA just to pay bills. What can they do to me other than put maybe a lien on my home?JA: Has anything been filed in court yet?Customer: It says the judge granted the Summary Judgment and Plaintiff's Motion to strike on June 20th.JA: Have you talked to a lawyer yet?Customer: No.JA: Anything else you think the lawyer should know?Customer: I know I owe them the money, but don't have the means to pay.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.
In 2007 I bought a automobile but was unable to pay jeep and
In 2007 I bought a automobile but was unable to pay for the jeep and it was repossessed within 6 months. The balance after jeep was sold was obviously billed to me. It has gone thru several collection agencies and at one time I was trying to make 80.00 payments but the interest rate at 38 percent was getting me nowhere. Eventully, I was unable to make the payments - the last payment was made about 2 1/2 years ago. I have received threatning calls over the last two weeks and have been told that papers will be served on me on Monday if I don't come up with 3800.00 which is what they say I owe on the principal. They say with interest I would owe 11000.00 and the judge would make me pay or put a lien on my house. I don't have 3800 and have tried to explain that. I also asked for the company to send me documentation to validate this debt which they are supposed to email to me because they said they had to have this settled before Monday if I want to stay out of court. Is this legal and can papers be served on me at this point. I explained that if I do owe this debt all I could do is make small payments and they could send me an offer with the information to validate the debt but they are unwilling to negotiate any further than 500.00 down 9 payments at 100.00 and balance due by 4.15.17 at 2100.00. What at this point should I do and is this practice legal. they said that with the payments I made previously, I had already paid over 3000.00 - I also think I put 1000.00 down on vehicle and did make 3 payments but after that I was unable to pay for vehicle.
Just a quick overview of something that happened to me (and
Good evening. Just a quick overview of something that happened to me (and my wife) at a Ford dealership and we would like to know if there are ramifications for their actions.1) We visited a Ford dealership on Saturday with a preapproval for financing from FORD CREDIT CO. (completed online by us)2) We entered into a signed purchase agreement to buy a vehicle.3) We presented the preapproval information sheet to the salesman and instructed him to discuss with finance to be able to tell us what interest rate we would be getting. (FORD CREDIT policy is that the rate is negotiated between whatever dealer we purchase from and the buyer.) He was also instructed that if Ford Credit could not match the interest rate of our local bank that we would use our local bank.4) We did not fill out an application for financing at the dealership, nor did we give verbal permission for them to shop around for the best interest rate.5) It is more indepth than noted here, but after several go arounds, exchanged phone calls, etc, the dealership took the information they obtained from online Ford Credit application and used that information to submit financing applications and ran hard credit inquiries SEVEN different times. (All verified today via credit karma and myfico.com.)As I mentioned, it is a little more in depth. They understood that we did not want them running hard inquiries and shopping on our behalf. They understood that we only wanted to know what our rate would be through Ford credit, the only application we initiated and approved ourselves, and that if that rate was not as low as our credit union rate was, we would use our own financial institution. They requested we fill out an online application through their website, WHICH WE REFUSED TO DO, because we did not want another hard inquiry (or in this case many hard inquiries) or to grant them permission to shop around. Yet they violated our privacy, ignored our requests and unlawfully submitted our information seven different times. We had a face to face with the Vice President/General Manager to express our anger. He acknowledged the wrong doing. Wanted to correct it by renegotiating the vehicle purchase agreement. He told us that only 3 hard inquiries were made (not true), that those clumped up inquiries would only stay on report for 45 days (again not true) and that by filling out an online app with Ford Motor Credit for Ford Motor Credit financing we in essence gave them permission to shop around. NOT TRUE. I called Ford Motor Credit to verify that. They said the online app is for financing through their institution only. A generic app filled out through the dealership may have had a hidden clause granting permission to shop around, but we didn't fill one of those out. Nor did we give verbal permission of such. In fact, we adamantly told them NOT to shop around.We have records to verify our statements. Of course, some of it is going to be our word against there's.Your thoughts on whether a FCRA violation of impermissible credit pull has occurred.
I was in a car accident on April 1 and the insurance company
I was in a car accident on April 1 and the insurance company totaled my car and sent me a check. On the advice of my son and daughter-in-law, who had a good experience there, I went to the Quincy Shore Gulf to purchase a used car. I gave the owner a $500 credit card deposit on a 2005 Volvo with over 156,000 miles on the odometer. The total cost was $4,000. Nobody thought that was too many miles for a Volvo, as they're reported to go 300,000 miles or more. I gave him the remaining $3,500 in cash a few days later, register the car and was on my way. From the beginning, I had trouble with it. The man fixed it at no charge twice. It seemed all right except for the tires, so I went to Sears and spent $591 for 4 new tires. The third time it required repairs, I had broken down and had to have it towed to the gas station where I bought it. I wanted my money back, I had had enough. He said he wouldn't give me my money back, so I stated that I wanted a different car. That was refused too. He stated, "it's a used car, what did I want!" He diagnosed the problem as some sensor on the oil pump and said he'd fix it, but I'd have to pay. I left the car and picked it up two days later. He said that he fixed it and drove the car around for a day or two to make sure it was all right. He said he wouldn't charge me because my son was a good customer, but if anything else happened to it, I was on my own. One week later, the car died again and I had it towed to my house this time. I was ready to donate it. My son went up to the gas station, spoke to the man, who told him if I was able to sell the car to someone else for $2,500, he'd pay the $2,500 and take the car, cheating me out of $1,500, plus the $591 for new tires and $59 to tie the muffler up.Is there anything I can do to get my money back? My name is***** and I am 72 years old.
I purchased new flooring in my home almost 9 months ago. I
I purchased new flooring in my home almost 9 months ago. I provided billing information for the merchant to charge and they never did. Now they are reaching out to me saying that the bill needs to be paid out of nowhere. Is there a statue of limitations on a period of time that can go by in which I do not become liable.
I red a roofing contractor to do new roofs and gutters all
Hi, I hired a roofing contractor to do new roofs and gutters all around on my split level home. Problem #1- In the written contract we specified $60 a sheet for decking, if needed. Contractor said the decking felt OK, but when he took the roof off he said he had to replace ALL of the decking. Problem #2 - I inspected the job thoroughly yesterday and found he used the HICKORY(http://www.gaf.com/Residential_Roofing/Shingles/Timberline_Natural_Shadow/Timberline_Natural_Shadow_Hickory.jpg) color shingles from GAF rather than the BARKWOOD agreed to and documented in the contract (http://www.gaf.com/Residential_Roofing/Shingles/Timberline_Natural_Shadow/Timberline_Natural_Shadow_Barkwood.jpg). These colors are very different, one is reddish and hte other is tan. What are my options here as far as these 2 problems.
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I am a pro se litigant, or plan to be. THere is a tour bus
I am a pro se litigant, or plan to be. THere is a tour bus company in NYC who constantly is parking in MTA (public transit) bus stops blocking them. They are creating a public nuisance, potentially will hurt someone who is forced negotiated their parked buses to board or get off their buses. I tr have tried teh police, the NYC DOT, NY State DOT, NY City COnsumer Affairs, actually the company.... not is worse not better.I have documented 60 incidences with pictures, dates etc...tried every way to get them to stop. I want to file for a TRO but am concerned about the bond. I cant afford to post a bond, or I have an alternative
I signed a 3 yrs martial arts two kids but attended only aView more consumer protection law questions
I signed a 3 yrs martial arts for my two kids but attended only a year and now the martial arts is kept on asking me to pay. how can I breach a contract or how can I get out into this loop?JA: Because laws vary from state to state, could you tell me what state is this in?Customer: It in MissouriJA: Have you talked to a lawyer yet?Customer: Nope, don't know much hereJA: Anything else you think the lawyer should know?Customer: I am not native in this land. that why in search an anger here can you please help meJA: OK. The Lawyer will need to help you with this.Customer: You meAn I have to get an appointment to the lawyer, could this be expensive?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 Lawyer about your situation and then connect you two.