Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

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: 5 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 5 months ago
John
John, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 5,962
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 5 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 5 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: 5,962
5,962 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
Marsha, i received a call from Federal Gaming Commission / Sweepstake security commiss
Marsha, i received a call from Federal Gaming Commission / Sweepstake security commission that I have won x amount of money. than i received a call from the IRS that i have to pay x amount before rece… read more
Marsha411JD
Marsha411JD
Doctoral Degree
20,493 satisfied customers
I want to sue my bank (Suntrust) in small claims court.
I want to sue my bank (Suntrust) in small claims court. As a result of their misinformation, I have been defrauded of $2,400. They refuse to take any responsiblity. The branch is in Washington DC. I l… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
A company called interactive trader, Is a company called
They bill your credit card 997.00 dollars and then you go to a three day workshop that really does not teach you anything on how to purchase stocks . Instead they then try to get you to sign up for a 13000.00 dollar one year course or a two year course for 20000.00… read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
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 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
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
2,753 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
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
193 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
American Dream Network says I have won 850,000.00 in a sweepstake
American Dream Network says I have won 850,000.00 in a sweepstake which I do not remember entering. Can this be true?… read more
Marsha411JD
Marsha411JD
Doctoral Degree
20,493 satisfied customers
How do you remove a collection acct (Verizon bill) from my
How do you remove a collection acct (Verizon bill) from my credit report? I still owe $264.00 and if I pay it in full, am I able to get this collection acct removed from my credit report? Do I call or… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers
Is the USA Departmental Stores Sweepstake Lotteryheld on June
Is the USA Departmental Stores Sweepstake Lotteryheld on June 12th 2012 actual or a fraud? I rexceived a check which looks real for $4,685 and am supposed to contact my Claims Agent at 011-34-603-127-… read more
Marsha411JD
Marsha411JD
Doctoral Degree
20,493 satisfied customers
I tried to find terms for Apollo mental clarity pills and
I tried to find terms for Apollo mental clarity pills and couldn't find any. after I ordered I found the terms and found they added another bottle of something else. Tried to call and they said the li… read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
I would like to know if automation riches is a scam,
I would like to know if automation riches is a scam … read more
Zoey, JD
Zoey, JD
Doctoral Degree
193 satisfied customers
my car dealer has cheated me ..can you please tell me what
my car dealer has cheated me ..can you please tell me what can i do..its been only 6 days that i bought the car...and i took it to the mechanic,he says my car has 2000 dollars repair on it..can you pl… read more
Linda Roch
Linda Roch
Attorney
Doctoral Degree
529 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