Consumer Protection Law

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Not sure if you can help, hope you can. I was receiving
Not sure if you can help, hope you can. I was receiving cosmetic service from a local business which had me sign a contract to finance my procedures. The total amount was $1,200, with 0 interest rate. The total was divided into eight payments each of $150.00 each. Payments were giving at the time of service/session. I completed 7 sessions. However, due to work, I was unable to complete my last, 8th, session. I called the clinic and agreed to pay the last, 8th, session of $150 even though I was not going to receive the treatment. The clinic then tells me that I had a remaining balance of $650.00. When I asked for an explanation, they stated that I had agreed to get an additional two sessions with a cost of $250.00 each. I told them to send me a picture of the contract that I had signed, which they did. I noticed that they added, handwritten, the two additional sessions. I explained to them that I never agreed verbally to add two additional sessions. The contract was signed with 8 sessions and a total of $1,200. Once again I offered to pay the last, 8th, visit of $150.00. However, they did not agree and threatened to send my account to collection if I didn't pay the $650.00. … read more
Phillips Esq.
Phillips Esq.
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JD
21,081 satisfied customers
I had a CenturyLink service that did not will work for me
I had a CenturyLink service that did not will work for me due to constant bad performance. I was a new member and canceled after a month. They continued to bill me for another 2 months and slapped me … read more
Phillips Esq.
Phillips Esq.
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I have a student loan garnishment in Va for student loans
I have a student loan garnishment in Va for student loans warrant in debt. Loans were from 2007-2009. What are the statute of limitations for this ? … read more
Phillips Esq.
Phillips Esq.
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The engine in my car just went ,it is a 4000repair .i am
The engine in my car just went ,it is a 4000repair .i am upside down on auto loan at 17000owed . there is next to zero equity/value for bank , at a 550 credit score i am non collectable . i am in NJ a… read more
Phillips Esq.
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I had an MRI done last year but was billed for what looks
Hi... I had an MRI done last year but was billed for what looks like the same procedure twice in one day. I raised concerns that were never addressed. Then they turned it over to a collection agency. … read more
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In 2012 my foreclosed upon. It had a first Deed of Trust and
In 2012 my foreclosed upon. It had a first Deed of Trust and a line of credit secured by a second deed of trust. The forclosure sale paid off the first deed of trust, but not the second. The lender of… read more
Phillips Esq.
Phillips Esq.
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I was a patient at a hospital in California on June 23,2016.
Hi , I was a patient at a hospital in California on June 23,2016. I have health insurance , they billed ,and received payment of 8,500. Patient responsibility $ 2,000. I was sent to collections on Jan… read more
Phillips Esq.
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My wife and I have an excellent credit score. We've never
My wife and I have an excellent credit score. We've never missed a single payment on anything in the last 15 years. My wife is a consultant to nursing homes. Back in August, she dropped one of her dia… read more
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My wife just got a copy of her three credit reports, and
My wife just got a copy of her three credit reports, and found that a collection agency had placed an uncollected debt on all three credit reports. Needless to say this tanks her score. The thing is w… read more
Law Educator, Esq.
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Received summons over weekend re: debt collection. I know that if I do not answer summons a default judgment will be entered. If a default judgment is entered will this go on my credit report? I'm wil… read more
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I live in Texas and have a collection agency that is re-reporting their collection at least 2-3 times a year to keep it fresh on my credit report. I never rcv'd notice from this collection company tha… read more
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On 7/28/08 I signed a one year Pest Control contract for bi monthly service to spray the front & back of my house in addition to inside and the garage, with a verbal agreement that I would be given a … read more
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My husband's son (over the age of 18) went to a hospital in another state 5 years ago, and apparently there is still an amount owing on the hospital bill. We only found out about the debt this summer … read more
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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