Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I just got a phone call from Mid West Mediation stating that…

Customer Question
I just got a phone...
I just got a phone call from Mid West Mediation stating that I would be arrested tomorrow afternoon because I have a felon warrant out for me. I was then transferred to a lawyer who informed me that this was because of a bad check cashed in some check cashing business back in 2010. I have never in my life been in one of these businesses. I want to know if this is a scam before I pay $1,076.14. How can I tell, I certainly don't want to be arrested for something I didn't do. I never got a notice from my bank that a check had been returned.
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 11 minutes by:
2/1/2016
Consumer Protection Lawyer: Zoey, JD, Lawyer replied 2 years ago
Zoey, JD
Zoey, JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 30,516
Experience: 18+ years of NYS litigation experience.
Verified

Hello,

This is probably a scam, as if you owed this debt, you'd likely know about it and such scams are very popular. Unscrupulous people buy up consumer lists and listo of old debts and then try to intimidate people into paying money they don't owe.

You can check your credit history and see if there's an unpaid loan you owe money on by going to www.annualcreditreports.com. You can get a free copy of your credit history from all three credit reporting agencies and see it on the web, compliments of the Federal Trade Commission. The site is government approved.

You also have substantial rights under the Fair Debt Collection Practices Act. In the first place, you can demand that they validate this debt in writing so that you can dispute it. Also, under both state and Federal law, it's illegal for a debt collection company to harass you or threaten you with prosecution for failing to pay a civil debt. So what they are doing is harassment and intimidation and you can and should report them for it.

You can dispute this debt, which you should do in writing, by sending the collection agency a cease and desist letter, letting them know that they are in violation of both state law and the Federal government's Fair Debt Collection Practices Act. Tell them to immediately refrain from contacting you or anyone else such as your family or employer or that you will report them on the state level to your state Attorney General and on the Federal level to the Federal Trade Commission. Remind them that from here, every violation could get them fined $1,000.

If you really owe this money, they will have to serve you and take you to civil court. But if you don't, this should be the end of it all. The Federal Trade Commission gives a wonderful overview of overaggressive and/or fake collection agencies and how to get them off of your back, where to report them, where to learn more, etc. And it's pretty straightforward. You can access that here.

http://www.consumer.ftc.gov/articles/0149-debt-collection

Good luck!

Ask Your Own Consumer Protection Law Question
Was this answer helpful?
Ask Zoey, JD Your Own Question
Zoey, JD
Zoey, JD
Zoey, JD, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 30,516
30,516 Satisfied Customers
Experience: 18+ years of NYS litigation experience.

Zoey, JD 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 recently purchased a vehicle. I was approved for a loan
I recently purchased a vehicle. I was approved for a loan and the contract was signed. The dealership contacted me today stating that the tax amount was incorrect and it would be 1100.00 more and that… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,868 satisfied customers
I meet with the defendants and the judge for the divorce
Hello I meet with the defendants and the judge for the divorce Monday...I am extremely nervous because my soon to be ex frightens me..They had me at one point during the mediation Alone hallway with h… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I start got called from a collection agency who said process
I start got called from a collection agency who said process server was at my door trying to serve me with "papers" regarding a payday loan I got (and defaulted on) in 2010. They said debt was "renewe… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,607 satisfied customers
What is the consumer protection act that covers people and
What is the consumer protection act that covers people and online purchases … read more
Eric Y., Esq.
Eric Y., Esq.
Law/J.D.
180 satisfied customers
Second opinion] We were called by Tristar who offered to
Second opinion] We were called by Tristar who offered to eliminate ALL. Of our credit card debt. They referred to new legislation for senior citizens who were overloaded. We qualified they said. We wo… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,855 satisfied customers
When attending mediation for custody changes, after two
When attending mediation for custody changes, after two hours can I ask to end mediation? I cannot really afford to mediate for hours. I have to pay half and it's $225 an hour so two hours would be a … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
29,877 satisfied customers
Need help with a problem with a credit card. MD. about 2
Repored to FTC who referred me to CFPB. They suggested I call Legal aid (am a senior) but I cannot reach them by phone. … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
How can I check to see if I am being scammed about winning a
How can I check to see if I am being scammed about winning a sweepstakes … read more
LegalGems
LegalGems
Juris Doctorate
11,968 satisfied customers
How can I claim a scam 'phone call. I received a call from a
How can I claim a scam 'phone call. I received a call from a male telling me he was my grandson, he told me he was in Miami Florida, in jail for DUI, a woman was hurt, not no tell nothing to his mothe… read more
Nisha Jones, Esq.
Nisha Jones, Esq.
Juris Doctorate
2,725 satisfied customers
I was a defendant in a small claims court. Through mediation
I was a defendant in a small claims court. Through mediation we settled that I would pay him 600.00. Broken up into 2 payments of 300.00 each. Also in the agreement it states that if I am late with a … read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
Re: credit card charge Merchant overcharged my credit card
Re: credit card chargeMerchant overcharged my credit card more than agreed to for monthly advertising. Merchant claims terms and conditions allow them to change the price; however, I was promised fee … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers
I have an HOA that was supposed to go to mediation but,
I have an HOA that was supposed to go to mediation but, after asked for over 2 years, will not go. It is court ordered Mediation. I am putting together a Motion For Contempt and a Notice Of Hearing To… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
Can collection agency contact your immediate family members
Hi, can collection agency contact your immediate family members & leave information about a debt that's over 7 years & threaten to take to court. I'm receiving calls from a Katelyn Manning with KFF Ar… read more
Zoey, JD
Zoey, JD
Lawyer
30,516 satisfied customers
I have a company call OMNI Mediation's demanding money for a
I have a company call OMNI Mediation's demanding money for a ill that was supposedly settled. They are threatening court actions and coming to my job to serve papers. Is this company legit? … read more
RGMacEsq
RGMacEsq
Lawyer
Doctoral Degree
582 satisfied customers
How do I prepare for mediation in Texas on someone that is a
how do I prepare for mediation in Texas on someone that is a gambler and has done fraud on our home and 401ks … read more
Bill Attorney
Bill Attorney
law
2,262 satisfied customers
HSBC mediator called and on an old account and said that
HSBC mediator called and on an old account and said that when we signed up for the card we waived the normal seven years expiration and changed it to 20. Is that legal? … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
The FTC's 3-day cooling off period Rule applies to courses
quot;The FTC's 3-day cooling off period Rule applies to courses of instruction or training." I found this statement in an FTC article explaining the cooling off period. It was an exception to an item … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I need a police report for the FTC and the police gave me a
I need a police report for the FTC and the police gave me a number but won't let me tell them what it is for. Where can I go? … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 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