Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

Finding if this Credit reduction is a scam or not. PA

Customer Question
Finding if this Credit...

Finding if this Credit reduction is a scam or not

Lawyer's Assistant: Because consumer protection law varies from place to place, can you tell me what state this is in?

PA Pennsylvania

Lawyer's Assistant: Have you contacted the manufacturer?

I have been contacted by a credit card relief company

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

Who uses Defense Lawers, PA to settle debt with banks

Submitted: 7 months ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 3 minutes by:
11/30/2017
Consumer Protection Lawyer: Gerald, Esq, Attorney replied 7 months ago
Gerald, Esq
Gerald, Esq, Attorney
Category: Consumer Protection Law
Satisfied Customers: 5,333
Experience: Over 30 years of experience
Verified

Hello,
Thank you for using Just Answer. Please bear with me while I review your question. I will respond fully shortly. Thank you for your patience.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: Gerald, Esq, Attorney replied 7 months ago

Hello,

Thank you for your patience and thank you for using Just Answer. I want to provide you the best service I can. Please feel free to ask any follow-up questions you have.

I am an attorney with 30 years of experience; I hope to provide you information that will help you in resolving your question.

Most debt reduction and debt restoration businesses are not as helpful as customers may expect them to be. Many of them are in fact scams. They take money and claim they are restructuring your debt, but in fact do not make payments and your situation becomes worse.

I can not say what type of company the specific one you mention is. But you look here and decide for yourself:

https://www.bbb.org/south-east-florida/business-reviews/attorneys-and-lawyers/defense-lawyers-pa-in-boca-raton-fl-90005847

There are steps that you can take yourself that can be just as effective as anything these companies can do. If your debt is too high to manage yourself you may look into either a Bankruptcy under Chapter 13 (which is a reorganization) or Chapter 7 (which wipes out your debts).

In the meantime here are some tactics you can use:

1) Contact your credit card companies and discuss with them what they can do to assist you. Many of the credit card companies have programs to help you restructure your payment plan.

2) Start with your highest interest card. Pay as much as you can toward that card each month, pay the minimum on the others. Once the highest card is paid off, move to the next card, adding the payments you were making to the minimum of the next card. Keep doing this until they are all paid off.

3) If you can transfer balances from high interest cards to low interest card do that as well.

Keep disciplined.

If you do need to pursue bankruptcy do so. It is nothing to be ashamed of. The laws are there to help people get a fresh start.

Thi link can help you find a local bankruptcy attorney:

http://lawyers.findlaw.com/lawyer/practicestate/bankruptcy-law/pennsylvania

I hope the information I provide is useful to you. I want you to be comfortable and satisfied with my attempt to assist you. Please, if you have ANY follow-up questions, feel free to ask.

If you ask a follow-up question and I do not respond immediately, it is because I am temporarily unavailable. I promise to respond as soon as I return. Please note that I am often unavailable Friday evening through Sunday.

Please do not forget to give me a positive rating. It adds nothing to your costs but helps me greatly. Thank you.

If you are dissatisfied with my response, PLEASE let me know before giving me a negative review so that I may try to be of better assistance. Or, if you prefer, let me know and I can “Opt Out” and your question can be re-posted without additional cost to you. I will be fair to you, and only ask the same from you.

Good luck.

Please note: Information is educational and not given as legal advice. Only your local attorney can give legal advice. I can't establish or accept an attorney-client relationship with you. All posts are available for public viewing.

Kind regards,

Gerald

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Gerald, Esq Your Own Question
Gerald, Esq
Gerald, Esq
Gerald, Esq, Attorney
Category: Consumer Protection Law
Satisfied Customers: 5,333
5,333 Satisfied Customers
Experience: Over 30 years of experience

Gerald, Esq 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

7,089 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

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

Barrister

Barrister

Lawyer

1,671 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,222 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

John

John

Lawyer

516 satisfied customers

Licensed and practicing attorney experienced in consumer protection law.

< Previous | Next >

Related Consumer Protection Law Questions
I have been contacted by Credit Card Financial Services with
I have been contacted by Credit Card Financial Services with an offer of 0 percent interest on my Visa Balances of $15,000 for a fee of $5,999. Are they legit? Boyd Robinson … read more
RobertJDFL
RobertJDFL
Attorney
Juris Doctorate
5 satisfied customers
I'm wondering if Tristan consumer law is legit or a scam?
I'm wondering if Tristan consumer law is legit or a scam ? They say they are form georgia … read more
Zoey, JD
Zoey, JD
Doctoral Degree
194 satisfied customers
What is your opinion of Tri Star Consumer Law...I have been
Second opinion] what is your opinion of Tri Star Consumer Law...I have been approached by them… read more
Zoey, JD
Zoey, JD
Doctoral Degree
194 satisfied customers
I received a call today from Card Services Group wanting to
I received a call today from Card Services Group wanting to take all of my credit cards with outstanding balances, find a lender to pay them off and issue me a credit card with a 0% interest until the… read more
Zoey, JD
Zoey, JD
Doctoral Degree
194 satisfied customers
I want to know if using the debt relief company National
I want to know if using the debt relief company National Debt Relief is legitimate and safe. The National Debt Relief company is requesting that I complete and sign a limited power of attorney. To set… read more
Zoey, JD
Zoey, JD
Doctoral Degree
194 satisfied customers
CSG said they will take me to collections if I don't pay
CSG said they will take me to collections if I don't pay they 1100 00 they say I owe. They sent me a 0 % discover card to assist me and have most of my information. I have not signed anything with thi… read more
LegalGems
LegalGems
Juris Doctorate
12,498 satisfied customers
I received a call from kwp services and asking me if they
HI I received a call from kwp services and asking me if they can reduce my apr on my credit cards. They took all my details and said I need to send them $ 600 and they will take care of reducing my ap… read more
LegalGems
LegalGems
Juris Doctorate
12,498 satisfied customers
I need advise on defence lawyer p.a. in boca raton fl as to
hi ,,I need advise on defence lawyer p.a. in boca raton fl as to wheather they are a leget company or rip off … read more
RobertJDFL
RobertJDFL
Attorney
Juris Doctorate
5 satisfied customers
, I have been contacted by Defense Lawyers P.A. of Floirda
Hello, I have been contacted by Defense Lawyers P.A. of Floirda for debt reduction. I am a bit worried about their service as I just read the contract that they want me to esign.… read more
Zoey, JD
Zoey, JD
Doctoral Degree
194 satisfied customers
I have a question about the best way to respond to a lawsuit
I have a question about the best way to respond to a lawsuit concerning an old credit card debt. The credit card bank is in NV. The statue of limitations there is four years. Unfortunately I did make … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
contract from Defense Lawyers PA, BocaRaton, Florida
My husband and I have a contract from Defense Lawyers PA, BocaRaton, FL. Their representatives solicited us over the phone and claim they can reduce the principal on our credit card debt by 35% and lo… read more
lwpat
lwpat
Doctoral Degree
256 satisfied customers
I have approximately $85,000 in credit card debt due to a failed
I have approximately $85,000 in credit card debt due to a failed business, loss of personal relationship, and about six months ago I lost my approximately $140,000 job due to restructure. I have only … read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
there was a (former) close family friend who took the credit
there was a (former) close family friend who took the credit cards and cleaned out the bank account. This was around 2006-07. A police report was filed and all the credit card companies notified and t… read more
J.Hazelbaker
J.Hazelbaker
Doctoral Degree
4,367 satisfied customers
Where do you get an association that handles Credit Card debt
Where do you get an association that handles Credit Card debt under the O'Bama"s new credit card debt relief program. There are many out there who want to charge 3,000.00 to help with this??? If your … read more
Andrea, Esq.
Andrea, Esq.
Attorney
Post-Doctoral Degree
10,512 satisfied customers
I have a great deal of consumer credit card debt due to recession
I have a great deal of consumer credit card debt due to recession and having to tend to my parents over the last year. I talked with Consumer Credit Consuling and am thinking about contacting NuHavens… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
Are the debt reduction programs legal Its where you stop
Are the debt reduction programs legal? It's where you stop paying your credit card bills and then a debt relief company comes in and tries to settle with the credit card companies for a lesser amount?… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
There is a site called WWW.no-debt3.com that claims they can
There is a site called WWW.no-debt3.com that claims they can eliminate credit card debt. They claim their attorneys have found a legal loophole allowing them to force banks to eliminate card debt. Ple… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
I live in pa. and I have been scammed by a so called debt negotiation
I live in pa. and I have been scammed by a so called debt negotiation company by phone form Az. They gave me false informatin and I have lost over $550 to them. When I informed them that I was mislead… read more
Jane T(LLC)
Jane T(LLC)
Master's Degree
18 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