Consumer Protection Law

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My question has to do with credit. My credit scores are low
My question has to do with credit. My credit scores are low due to a major income drop/lost. As a result I am considering using a consolidation company to assist me. Can you tell me how effective they… read more
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Student Loan Default, Two years ago my tax return was
Student Loan Default, Two years ago my tax return was garnered for an old student loan. I thought the loan had been excused because the trade school I attended closed soon after I finished. Not so. I … read more
Phillips Esq.
Phillips Esq.
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I established an initial personal, unsecured loan for
I established an initial personal, unsecured loan for $5,000.00 at Springleaf Financial. A couple years later, I transferred my car loan of ~$9,400.00 from JP Morgan Chase to Springleaf Financial. (A … read more
Legalease
Legalease
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Doctor of Law w/ highest honors
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In 2008 I signed loan modification papers at the same time
In 2008 I signed loan modification papers at the same time as I brought my loan out of foreclosure. by paying the amount needed to bring my loan current. I than paid the loan amount with principal, in… read more
Infolawyer
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I recently traded a vehicle in on a new vehicle. Before the
I recently traded a vehicle in on a new vehicle. Before the finance company completely signed off on the new deal the dealership satisfied the loan on the traded in vehicle. The finance company on the… read more
Infolawyer
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We had to get a Title loan on our truck last July. We have
We had to get a Title loan on our truck last July. We have been paying $502.61 since last August and cant get it paid off. We still owe the same amount we borrowed, which was $2,000.00. Is this legal?… read more
Dwayne B.
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I had a truck and car loan with the same bank. I traded in
I had a truck and car loan with the same bank. I traded in my truck for a new car. A month has past and I find out that the dealership paid off the wrong vehicle. The salesman assumed I only had one l… read more
Legalease
Legalease
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Doctor of Law w/ highest honors
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I have received a modification from GMAC -something called
I have received a modification from GMAC -something called step rate modification - when the agent called me he did not tell me that - he just stated that my interest rate was going to be 3.25% for th… read more
Legalease
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Doctor of Law w/ highest honors
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A dealership did not return the loan money back within five
A dealership did not return the loan money back within five day, after 45 days they only return what was given for the loan and not the interest. Since the loan was in my name the loan company was goi… read more
Legalease
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Doctor of Law w/ highest honors
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I have about 12,000.00 in credit card debt. I also owe about
I have about 12,000.00 in credit card debt. I also owe about 6000.00 on vehicles, and I am paying 600.00 monthly for my daughter's college education. I want to get a debt consolidation loan and I am w… read more
Legalease
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I believe there is possibility for potential class action litigation
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I recently refinanced a mortgage loan with my credit union,
I recently refinanced a mortgage loan with my credit union, a few months after the settlement I received notice from my insurance company that the policy was being canceled for non payment. There is a… read more
Phillips Esq.
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I consolidated a student loan in 1994 when I finished graduate
I consolidated a student loan in 1994 when I finished graduate school. At that time, the original principal balance was $36,855.99. Since 1994, I have paid $12,121.80 on the principal and a wapping $5… read more
Ely
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My question concerns Home Loans and real estate. Can a bank
My question concerns Home Loans and real estate. Can a bank legally give someone a loan beyond the value of the property and charge you almost an outragous interest rate. almost 3 times the normal ban… read more
P. Simmons
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Can a bank or credit card company check my credit rating without
Can a bank or credit card company check my credit rating without my written permission. Is this a violation of TILA Law? Two companys ran my credit without my knowledge, then changed my credit limits.… read more
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I OBTAINED A LOAN FOR A HOUSE ON JULY 20, 2007 FROM A LOANBROKER
I OBTAINED A LOAN FOR A HOUSE ON JULY 20, 2007 FROM A LOANBROKER UNDER THE UMBRELLA OF ANOTHER MORTGAGE COMPANY. THE LOAN WAS TO BE AT A FIXED RATE OF 6% FOR 30 YEARS. I WAS NEVER GIVEN A TRUTH IN LEN… read more
Attorney & Counselor at Law
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Is it possible to sue a Gas and Elec. corp. for incorrecly
Is it possible to sue a Gas and Elec. corp. for incorrecly filing a Judgement against you . On 3/15/07 I received in the mail a Summons from a attorney for the Gas and Elec. Corp. for an unpaid amount… read more
Infolawyer
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My previous mortgage company transferred my loan and when ...
My previous mortgage company transferred my loan and when they transferred it they transferred an escrow amount of 1173.51. My current mortgage company sent me an escrow analysis stating that I had a … read more
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Meet the Experts:

Infolawyer

Infolawyer

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Licensed attorney helping individuals and businesses.

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16+ yrs. of legal experience.

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RGMacEsq

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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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