Consumer Protection Law

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I borrow money amount of 2500 from a tribal lender in
I borrow money amount of 2500 from a tribal lender in oklahoma.unfortuntly it is my first time to do so.i could not read the contract well I'm not sure I signed the web signature and then the contract… read more
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Do have I have a suit for predatory lending if so on what grounds? Closed on my mortgage with National City on 10/31/06. 80/20 mortgage (6% & 9% respectively)for 505k (told preferable than jumbo rates… read more
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Is it legal for a company to charge 135% interest on an unsecured
Is it legal for a company to charge 135% interest on an unsecured online loan? I have paid to date $6,187.40 on a loan amount of $2,600.00… read more
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I took out a $5000 loan with Western Sky LLC (incorporated
I took out a $5000 loan with Western Sky LLC (incorporated in SD) via the internet. Western sky claims via the web and the contract to be subject to the tribal laws of the Souix nation and not Texas l… read more
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I took out a personal loan 16 months ago with Western Sky (an
I took out a personal loan 16 months ago with Western Sky (an indian tribe in S.D.) for 10,000 at 89% interest. They were sued and the collections were given to Cash Call, WS Funding LLC and Delbert S… read more
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I took out a loan from Western Sky back in 5/1/2011 for $2,600.
I took out a loan from Western Sky back in 5/1/2011 for $2,600. Immediately the account was sold to Cash Call. I pain on the account until Jan. of 2014. I have paid a total of $8,956 at 139% interest.… read more
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I have a question. I took out a loan from Western Sky last
I have a question. I took out a loan from Western Sky last July for $5000.00. To date I have paid back about $4300. I have stopped payment on this because I am now finding out that these loans are not… read more
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So I am helping my son get his finances in order and he tells
So I am helping my son get his finances in order and he tells me he has a "payday" loan that is taking 240 every 2 weeks until he pays back the original 400.....It is my understanding that paydays bec… read more
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Western Sky / Cash Call / Delbert Services loan, originally for $2500 at 137%; to date i have paid $5800. Am i required to keep paying this loan… read more
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Got a pay day loan from American Web Loan. Charging more than due.
Hello I got a pay day loan from American Web Loan. I was told 210.00 dollars would be drafted out of account until payment is due. Had no problem with that until I called to make my last payment of 10… read more
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I have an outstanding loan with Western Sky. As of Sept. 3rd
I have an outstanding loan with Western Sky. As of Sept. 3rd 2013 their operations have been suspended. My loan was sent to an outside collection agency. I am I still reponsible for this loan if they … read more
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I got a payday loan online and later found out that they are
I got a payday loan online and later found out that they are ILLEGL in my state. Also, this lender is not licensed to do business in the state of Virginia. The lender is Western Sky. They are no longe… read more
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I took out a 10K loan with western sky last summer, so that
I took out a 10K loan with western sky last summer, so that i could make payroll and unfortunately the business failed but I have been dutifully paying it. After some research on the web I found that … read more
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Here's the nitty gritty. I needed a loan as I started a new job and just had a newborn baby. I was several months out of the Army after having deployed to Iraq the previous year, unemployment didn't p… read more
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I am weighted down by payday loans. I want to pay them off,
I am weighted down by payday loans. I want to pay them off, but I'd like to know if it's possible to re-structure to payback terms and legally revoke their ACH withdrawal rights, here in Texas.… read more
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I was stupid and took a Western Sky loan in May 2012 for 2600.
I was stupid and took a Western Sky loan in May 2012 for 2600. It was immediately sold to a company, WS Funding and now 'serviced' by CashCall a CA company. Since then I have paid 1140 in payments, ye… read more
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I have taken out a PayDay Loan ($700) over the internet - lender
I have taken out a PayDay Loan ($700) over the internet - lender is a tribal lender in Oklahoma (Better Business Bureau rates them an "F" as I found out today). While I am willing to pay the balance, … read more
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Hello. I posted this question before. The expert who responded was helpful but didn't know the answer. The lender who "bought" my loan (beneficiary by assigment) does not seem to have any type of lice… 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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