Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

My elderly brother (72) is partially handicapped and

Customer Question
illiterate. He was taken advantage...
My elderly brother (72) is partially handicapped and illiterate. He was taken advantage of by a local car dealer salesperson and was sold a car that he could not afford and did not qualify to purchase. His "Deal" was pushed through, even though his credit or ability to afford this car did not support the sale. His credit scores is very low and he was given an interest rate that reflects someone with very good credit??? He is now in a situation where he is delinquent and is at risk of repossession. His purchase of this vehicle resulted in undo financial hardship and has put his well being at risk. Do you think there is any recourse? It looks like the deal was pushed through improperly.
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 4 minutes by:
2/3/2016
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago
Ely
Ely, Counselor at Law
Category: Consumer Protection Law
Satisfied Customers: 103,548
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
Verified

Hello and welcome to JustAnswer. Please note: This is general information only for educational purposes only, and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.

I am sorry to hear about this situation. On this website, I do not always get to give good news, and this is one of these times. I understand that hearing things less than optimal is not easy, and I empathize. Thanks in advance for not "shooting the messenger."

Unless your brother has mental difficulties, then this would be a binding contract. Just because your brother is handicapped does not mean that he gets special consideration to get out of a contract. And just because he is illiterate also does not mean the same thing. In short, if he voluntarily entered into this contract and whatever they discussed verbally is reflected in the contract (there may be an argument to make if the dealer changed the documentation when promising a lower price but actually signing him up for a higher one - let me know if you think this happened), then he is bound by the deal.

The fact that he should not have qualified does not mean the contract is void, either. A lender has the right to sell a vehicle to someone with low credit.

Please note: If I tell you simply what you wish to hear, this would be unfair to you. I want to be honest with you and sometimes this means providing information that is not optimal. Negative ratings are reserved for experts who are rude or for erroneous information. Please rate me on the quality of my information; do not punish me for my honesty.

I hope this helps and clarifies. Gentle Reminder: Use the SEND or REPLY button to keep chatting, or please rate when finished. You may always ask follow ups at no charge after rating. Kindly rate my answer as one of the top three faces/stars and then SUBMIT, as this is how I get credit for my time with you. Rating my answer the bottom two faces/stars or failing to submit the rating does not give me credit and reflects poorly on me, even if my answer is correct. I work very hard to formulate an informative and honest answer for you; please reciprocate my good faith.

Ask Your Own Consumer Protection Law Question
Customer reply replied 2 years ago
Is bankruptcy an option?
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago

Yes.

If he files for a bankruptcy, then this will either void the debt all together or reduce it to manageable payments. There are two primary versions (chapters) of bankruptcy filings - 7 or 13. See HERE.

Gentle Reminder: Please, use the REPLY or SEND button to keep chatting, or rate positively and SUBMIT your rating when we are finished. You may always ask follow ups at no charge after rating.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Ely, Counselor at Law replied 2 years ago
Hello again. I am checking in because you have not rated positively. To me this means you may have another question. Please let me know – I am simply touching base. Thanks!
Ask Your Own Consumer Protection Law Question
Was this answer helpful?
Ask Ely Your Own Question
Ely
Ely
Ely, Counselor at Law
Category: Consumer Protection Law
Satisfied Customers: 103,548
103,548 Satisfied Customers
Experience: Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Ely 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

103,548 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
Toyota of Dallas sold me a Camry they didn't even have the
Toyota of Dallas sold me a Camry they didn't even have the title for. Now they are coming for the car saying I didn't have the right to take the car. I have the paperwork saying otherwise and I have t… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
11,115 satisfied customers
Do you have any info on: GS and GD Business Solutions, LLc.
Do you have any info on: GS and GD Business Solutions, LLc. located in Valley Cottage, NY? … read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
I just got sued by LVNV. If I pay the attorney whats owed
I just got sued by LVNV. If I pay the attorney whats owed will the lawsuit automatically get dismissed? or do I need to have anything in writing? I wasn't served yet… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
29,817 satisfied customers
I got sued by LVNV. If I pay the plaintiff attorney the
I got sued by LVNV. If I pay the plaintiff attorney the amount owed will the lawsuit automatically get dismissed? Or do I need anything in writing?… read more
Lori
Lori
Juris Doctor
1,315 satisfied customers
I had verizon e-mail. They went out of business and switched
I had verizon e-mail. They went out of business and switched me to AOL. I'm trying to cancel AOL because I switched everything at my home to comcast. Contacted support for AOL and they said it would c… read more
WiseOwl58
WiseOwl58
JD Honors Graduate
4,106 satisfied customers
We reserved an RV spot at Dakota Ridge RV Park in Golden, CO
We reserved an RV spot at Dakota Ridge RV Park in Golden, CO on February 9, 2018 at 11:42 a.m. foe 6/09/2018 to 09/01/2018. We were required to pay 1/2 of 1st month in the amount of $999.75 and $100 f… read more
David C. Garner
David C. Garner
Attorney
Post-Doctoral Degree
895 satisfied customers
I hired contractorsto finish house. I paid them75% and they
I hired contractorsto finish house. I paid them75% and they left saying i was making and did not finish. Can i go to court and collect everything i paid them or more if i have to hire someone else? Ca… read more
LegalGems
LegalGems
Juris Doctorate
11,915 satisfied customers
My california identification was posted on facebook with
my california identification was posted on facebook with threats and statements that they were in my vehicle removed my wallet and took my money i have printed out all posts can i get a restraining or… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,564 satisfied customers
Law Educator Only Law Educator, Thank you for taking time to
Law Educator OnlyGood Afternoon Law Educator,Thank you for taking time to review and respond to my queries for educational purposes only.If it is clear that a judicial administrator is not basing any … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I get new semi when it 130000 miles the engine light on
I get new semi when it 130000 miles the engine light on check engine light on it will shutdown the engine won't start again so I need tow the truck to Freightliner Houston fix it take two day and chan… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I purchase a vehicle with a invalid VIN number on the
I purchase a vehicle with a invalid VIN number on the dashboard the dealership is no longer in service so could I sue the finance company that finance a car with a invalid VIN number … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,564 satisfied customers
Is it a normal thing to require full payment for services...
Is it a normal thing to require full payment for services... … read more
RGMacEsq
RGMacEsq
Lawyer
Doctoral Degree
582 satisfied customers
I am a landlord and my tenant pays with money orders. The
I am a landlord and my tenant pays with money orders. The money order he mailed and learned it was cashed. The photocopy of the order shows it was made out to me but someone else signed the back and c… read more
Ray
Ray
Lawyer
Doctoral Degree
32,562 satisfied customers
We signed a contract, put down a $500. The contact also
We signed a contract, put down a $500. The contact also states will put down $25,000 which has not been done yet. We have not taken delivery of the motor home. contract signed at 7:30pm Saturday. Can … read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,607 satisfied customers
What can i do if i bought a used truck from a dealer with no
what can i do if i bought a used truck from a dealer with no warranty and the trucks engine locks up after only 3 days … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
29,817 satisfied customers
My husband and I purchased furniture from a company called
Hi. My husband and I purchased furniture from a company called Ashley Furniture in November of 2016, or so we thought. They had a kiosk in their store that said something to the effect of “apply for f… read more
LegalGems
LegalGems
Juris Doctorate
11,915 satisfied customers
Sears sold me a washer from Samsung that flooded my home
sears sold me a washer from Samsung that flooded my home sears replaced it and that washer flooded my entire downstairs 3 times due to negligence on segdewicks and sears part then washer recalled but … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
I hope this doesn't seem petty to you... but the more I
i hope this doesn't seem petty to you... but the more I think about what's happened, the more violated I feel and I'm just wondering if you think there is something under the law that I can use to mak… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,564 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