Consumer Protection Law

Consumer Protection Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Consumer Protection Law

I want to sue Bank of America AGAIN late pays on my credit

Customer Question
I want to sue Bank...
I want to sue Bank of America AGAIN for 22 late pays on my credit report on a mortgage I had with Countrywide starting in 2008. As you know Countrywide went out of business. BofA told me that I would be paying them. I explained that my contract was not with them and that they needed to do a new contract (mortgage). They said they were working on dropping me into the HAMP program and to pay $550/mo for 5 months, which I did. Then they said I had to walk into the bank and wire $1069.00 and $1100.00 in Jan and Feb, 2011, respectively.
In April, 2011, I took a job in Iraq, while trying to short sale my condo because BofA would not refinance me into a new loan. I found out through my RE broker that my place had been foreclosed. BofA never told me that I was past due. Never told me how much to pay to be current and never told me that I owed them anything verbally or in writing.
Per my credit report, they foreclosed in July 2011.
I went through an agency called Independent Foreclosure Review in 2011, per Obama, to sue BofA. I submitted documents proving my case and won $6000, in 2013. Then IFR sent me a 1099-M, which caused the money to be taxed.
I thought this was removed off of my report before. But it is not. My credit is "Good" now, but I was denied credit in August, 2015, when I tried to purchase a condo in Texas, because of these late pays.
I'm currently in Afghanistan working as a subcontractor for the DOD. I want to buy a place in Texas this year. Can you PLEASE give me some direction as to who can help me sue BofA again and or get these late pays off of my credit reports.
Thank you!!!
Lisa Horton
Email:***@******.***
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 15 minutes by:
1/6/2016
Consumer Protection Lawyer: Attorney 1, Attorney replied 2 years ago
Attorney 1
Attorney 1, Attorney
Category: Consumer Protection Law
Satisfied Customers: 2,601
Experience: Knowledgeable and Experienced Attorney
Verified

Hello, and welcome. I am a licensed attorney and happy to assist.

I'm sorry to hear of the difficulty you're having with Bank of America... again. Since the information posted to your credit report is wrong, the lender is required to remove it. You can contact your lender, in writing, demanding they "remove the erroneous trade lines" from your report, clarifying the reason why and attaching the relevant documentation. In the letter, you will also want to give them the ultimatum of either removing the negative information or being the subject of a lawsuit for credit damage. Be prepared to follow through, if necessary, which hopefully won't be the case, but is a very effective measure of not only getting the information removed, but also obtaining compensation for any damage this is caused you. If not removed in a couple of weeks, you can contact the credit agencies through their respective websites to report the errors. They will contact B of A to verify the debt. If the debt cannot be verified, the items will be automatically removed. If the bank confirms the debt, after you demanded removal of the negative info, you will have powerful evidence of wrongdoing that the court will likely take very seriously, perhaps by way of an award of substantial damages. So, it's important to put your ducks in a row by obtaining copies of your credit report and maintaining copies of any potential loan applications and/or potential denial letters, etc.

I hope this helps. If you need additional information or clarification, just let me know. I'm here to help. If I have addressed your issue, please remember to leave a positive rating when prompted.

Good luck!

Best,

Attorney 1

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Attorney 1, Attorney replied 1 year ago

Please let me know if there's anything else I can do for you. If I have addressed your issue, please remember to leave a positive rating when prompted, as that is the only way attorneys on this site are credited for the help provided.

Best,

Attorney 1

Ask Your Own Consumer Protection Law Question
Ask Attorney 1 Your Own Question
Attorney 1
Attorney 1
Attorney 1, Attorney
Category: Consumer Protection Law
Satisfied Customers: 2,601
2,601 Satisfied Customers
Experience: Knowledgeable and Experienced Attorney

Attorney 1 is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

6,930 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,422 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,607 satisfied customers

Attorney,17 years experience in consumer protection areas

Tina

Tina

Lawyer

1,587 satisfied customers

17 years legal experience including consumer protection law.

P. Simmons

P. Simmons

Lawyer

1,184 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

582 satisfied customers

Licensed Texas General Practice Attorney

< Previous | Next >

Related Consumer Protection Law Questions
I'm a single dad, fresh out of bankruptcy and I bought this
I'm a single dad, fresh out of bankruptcy and I bought this Truck to rebuild my credit. I thought it was a deal because the engine only had 86k but then, too late found out the phasers failed some tim… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,720 satisfied customers
On Dec 18, 2017 I bought a new car at a Toyota dealership
On Dec 18, 2017 I bought a new car at a Toyota dealership and agreed to the 72 month financing in order to get the rebate and to have my payment at an amount I wanted. They screwed up the paperwork an… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
18,377 satisfied customers
I bought a car in RI and the dealer added an extended
I bought a car in RI and the dealer added an extended warranty on the vehicle for 2,499.00 and the month after I purchased the warranty --it was cancelled and I think the dealer kept the total amount … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
6,930 satisfied customers
Merchant “SHOPIFY” cancel my account but my customers paid
Merchant “SHOPIFY” cancel my account but my customers paid me before and I had about 7k for several days that they didn't deposit my money on my account and wanted to hold it for 190 days, where can I… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,720 satisfied customers
I have fraud situation can you help? I am in Las Vegas
I am in Las Vegas though the transactions took place between Chicago & Mexico City … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,693 satisfied customers
I am pro se and I tried to file a motion in NYS Supreme
I am pro se and I tried to file a motion in NYS Supreme Court on January 19, 2017 after mailing out the papers to all parties via USPS regular mail. However, when I arrived at the clerk's office to fi… read more
Damien Bosco
Damien Bosco
3,391 satisfied customers
I was with Schwab for over 20 years, then I was convicted
I was with Schwab for over 20 years, then I was convicted for a felony gambling, they just threw me out, no explanation, I opened an account with Merrill, before I could make my first trade, they deci… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
6,930 satisfied customers
My father lives in San Antonio, TX and was taken to the
Good afternoon. My father lives in San Antonio, TX and was taken to the hospital last year when he was having an emergency. Tricare as well as his medicare paid the bills. Acadian ambulance company co… read more
Ray
Ray
Lawyer
Doctoral Degree
30,899 satisfied customers
I have been scammed by a contractor. I live in Liberty, TX.
Hello, I have been scammed by a contractor. I live in Liberty Hill, TX. I see online that I have very little if any legal recourse. I made a downpayment of $3216. and financed 22,784. at 9.99% interes… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,173 satisfied customers
I made an online purchase last night at a chain store. This
I made an online purchase last night at a chain store. This evening I received an email from them stating that there was a glitch in the pricing last night, and because of that they are reversing my p… read more
P. Simmons
P. Simmons
Lawyer
Doctoral Degree
1,184 satisfied customers
I placed an order on a tesla model s. They said i have 3
i placed an order on a tesla model s. They said i have 3 days to change my mind, then after the 3 days the deposit is no longer refundable. it has been 6 days and I tried to get my deposit back, but t… read more
TJ, Esq.
TJ, Esq.
Juris Doctor (JD)
11,263 satisfied customers
My brother has had his driver license stolen and apparently
My brother has had his driver license stolen and apparently someone has been renting cars in different cities using his identity. It's happened in San Jose, San Francisco Int'l Airport and tonight now… read more
Ray
Ray
Lawyer
Doctoral Degree
30,899 satisfied customers
I'm 67 and disabled due to a near death accident 6 years
My name is***** I'm 67 and disabled due to a near death accident 6 years ago. Prior to the accident I worked helping peop[le with developmental disabilities lead very productive lives. I operated 16 c… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
18,377 satisfied customers
I have a title loan with high interest and high payment I'm
I have a title loan with high interest and high payment I'm scare that eventually I'm going to lose my car I have been apply other loans being denied I'm running out of options I need help … read more
DrakeLAW
DrakeLAW
Juris Doctorate
984 satisfied customers
How do I go about asking to be released from our timeshare
How do I go about asking to be released from our timeshare with Blue Green? Sounds like they are being more flexible and allowing this if you ask for it. But where do you start . whko would be the rig… read more
LegalGems
LegalGems
Juris Doctorate
10,718 satisfied customers
I have 4 charges of 4.95 for Agora Financial on my credit
I have 4 charges of 4.95 for Agora Financial on my credit card. How can I verify these charges? Also, I paid for a lifetime subscription to Agora Financial publicaction about 2 years ago for about $11… read more
Zoey, JD
Zoey, JD
Doctoral Degree
181 satisfied customers
I had a breastbiopsy and a marker should be left in situ to
I had a breastbiopsy and a marker should be left in situ to mark the area for further treatment but the dr did not do this at the tima tec asked him if he put amarkerinand he admitted he forgot I have… read more
Phillips Esq.
Phillips Esq.
Attorney
Juris Doctor
18,377 satisfied customers
I need to speak to someone who is an expert in Elder
I need to speak to someone who is an expert in Elder Financial Abuse Laws. Please reply if you are experienced in this field of law.… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
3,720 satisfied customers

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).

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).

Show MoreShow Less

Ask Your Question

x