Consumer Protection Law

Consumer Protection Law Questions? Ask a Lawyer Now.

Ask a Lawyer,
Get an Answer ASAP!

Consumer Protection Law

A collection AGENCY, says they are; C.W.L. and associates.

Customer Question
A collection AGENCY, says...

A collection AGENCY, says they are; C.W.L. and associates. from phone numbers(###) ###-####and(###) ###-####trying to receive pmt for a payday loan that was in 2002. which I had already paid thm.

Lawyer's Assistant: What state is this in? And when did the issue begin?

In las vegas Nevada. they said I made partial payments in 2002.

Lawyer's Assistant: Have you contacted the manufacturer?

I didn't call check into cash said they sold this account to a collection agency in 2002.

Submitted: 2 months ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 2 minutes by:
12/14/2017
Consumer Protection Lawyer: John, Lawyer replied 2 months ago
John
John, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 5,933
Experience: Licensed and practicing attorney experienced in consumer protection law.
Verified

Hi, thanks for submitting your question today. My name is John. I have over 13 years of legal and consulting experience in this area. I’m happy to assist you with your question today. Please note that the website may ask you if you desire premium services, such as a phone call. I do not control these prompts, and you are not under any obligation to order premium services to get a full answer from me. If you do desire premium services, however, feel free to select that option. I will have an answer for you shortly, unless I require additional information. Please be patient while I may have to research some matters before providing a response. In the meantime you should save the url link or bookmark this webpage in case you become disconnected and need to return to this page at a later time.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: John, Lawyer replied 2 months ago

The debt is well beyond the 6 year statute of limitations. It is as such illegal for them to try to collect it. You should write a cease and desist letter, stating it's beyond the time to collect and that they the debt is time-barred, that they are to cease communication with yourself and others regarding the alleged debt, and further communication will be cause for you to seek all available recourse including filing complaints with the State and FTC.

I believe this answers your question. However, if you need clarification or have follow-up questions regarding this matter, I will be happy to continue our conversation - simply reply to this answer. If you are otherwise satisfied with my response, please leave a positive rating as it is the only way I am able to get credit for my answers (even though the website already charged you, it does not credit me with the answer unless and until you indicate you are satisfied with the answer). If you are on a mobile device, you may need to scroll to the right. Thank you, ***** ***** wish you all the best with this matter.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: John, Lawyer replied 2 months ago

I am sending you this follow-up to determine if you require further assistance with your matter. I believe I have answered your question to the best of my abilities. I truly enjoy helping others with my knowledge and experience, and I believe I provide a valuable service. If you agree that my response was of value to you, please support my endeavor to share my knowledge by providing a positive rating. You have already been charged the full amount for your question. Providing a positive rating will not cost you any additional charge, but it will permit the website to credit me with answering your question. If you do not rate the answer positively, the website does not credit me with answering your question. Thanks.

Ask Your Own Consumer Protection Law Question
Was this answer helpful?
Ask John Your Own Question
John
John
John, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 5,933
5,933 Satisfied Customers
Experience: Licensed and practicing attorney experienced in consumer protection law.

John 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 contacted a collection agency who left a message on my
i contacted a collection agency who left a message on my mother's phone and is requiring payment today for a settlement on a credit card that was closed in 2012. I am not sure if the debt is mine and … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
8,332 satisfied customers
I bought a car, i assigned a contract but was informed that
I bought a car, i assigned a contract but was informed that the contract is no good due to the finance company being incorrect and that i need to go sign the new contract. Can I choose not to sign tha… read more
LegalGems
LegalGems
Juris Doctorate
11,042 satisfied customers
I received debt collection letter from collection agency,
I received debt collection letter from collection agency, when I reviewed my credit report, these debts are not on my credit report. What do I do about these collection letters? What do I tell these c… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,691 satisfied customers
My son is in a situation with a used car dealership. What to
My son is in a situation with a used car dealership. What to you charge for answering questions? … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,691 satisfied customers
I'm sure you have been asked this one many times. I am a
Hello, I'm sure you have been asked this one many times. I am a cash pay patient and I had a surgical procedure on 10/04/2016. I paid the physician's and hospital fee in full prior too the procedure. … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,691 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
18,672 satisfied customers
I met someone on a dating site back in August. Im fell for
I met someone on a dating site back in August. Im fell for the scam of buying ITunes & Amazon cards & taking pictures sending the pictures to him. I realized how dumb I was after spending way too much… read more
LegalGems
LegalGems
Juris Doctorate
11,042 satisfied customers
I was reading a question/answer session you had with someone
I was reading a question/answer session you had with someone about Colorado Real Estate Dynamics. Unfortunately for me, I am out over $10K. … read more
Lori
Lori
Juris Doctor
647 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
Doctoral Degree
183 satisfied customers
Bornstein and weiss called me and I see they are notorious.
Bornstein and weiss called me and I see they are notorious. … read more
Zoey, JD
Zoey, JD
Doctoral Degree
183 satisfied customers
I'm interested in checking my free annual credit report on
I'm interested in checking my free annual credit report on line. There seems to be to many options out there. Is there a particular site out there that you know of that wouldn't compromise my personal… read more
Zoey, JD
Zoey, JD
Doctoral Degree
183 satisfied customers
I recently tried to activate service with Verizon wireless
I recently tried to activate service with Verizon wireless without a hard credit inquiry but was met with horrible customer service and told that it couldn't be done. I wrote an email to Verizon regar… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
In Idaho, can we cancel a home health device that was sold
In Idaho, can we cancel a home health device that was sold to us in our home last Friday? … read more
LegalGems
LegalGems
Juris Doctorate
11,042 satisfied customers
I purchased a refrigerator a few years ago, it has been
I purchased a refrigerator a few years ago, it has been repaired multiple times and is still under warranty. Every time it takes a month for them to fix it. A month ago I had to get it fixed again, it… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,348 satisfied customers
I was contacted by Signature Luxury Properties for, to sell
I was contacted by Signature Luxury Properties for … read more
LegalGems
LegalGems
Juris Doctorate
11,042 satisfied customers
Sorry, I am looking for a CPA, I need some information on
I need some information on Sweepstakes tickets and when I am supposed to send in the ID voucher that was sent to me. … read more
Ray
Ray
Lawyer
Doctoral Degree
31,382 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
18,672 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