Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

This answer was rated:

I am considering going to debt consolidation for my credit…

I am considering going...

I am considering going to debt consolidation for my credit card debt through a firm in NY called Davis Law Group. How can I check to see if this is a reliable choice.

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

I am in Buffalo NY the law firm is in

Lawyer's Assistant: Have you contacted the manufacturer?

Staten Island and they woulf]d handle consolidating my credit card debt to lower my payments,

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

Is this a safe option to consolidate my debt and is this firm reliable.

Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 5 minutes by:
1/15/2018
Law Educator, Esq.
Category: Consumer Protection Law
Satisfied Customers: 126,844
Experience: Attorney experienced in commercial litigation.
Verified

Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only. Please feel free to ignore any phone service request, the expert does not send those unless asked by customer and they are sent by the site automatically.

While they are not accredited by the BBB, they have a rating of A+ with the BBB. See: https://www.bbb.org/new-york-city/business-reviews/lawyers/the-davis-law-group-in-staten-island-ny-148023

The other good sign with this firm is they tell you up front that they follow the Federal Trade Commission rules that they do not charge for debt consolidation/relief up front and they charge only when the services are performed.

The problem you need to discuss with them is whether or not some of your debtors will even deal with a consolidation/settlement firm, because companies like Citi and Discover and American Express and some others will not even speak to them about consolidation, so you may not be able to get anything done with those debts.

Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

Law Educator, Esq.
Category: Consumer Protection Law
Satisfied Customers: 126,844
Experience: Attorney experienced in commercial litigation.
Verified
Law Educator, Esq. and 87 other Consumer Protection Law Specialists are ready to help you
Ask your own question now
Customer reply replied 7 months ago
Thank you for your answer I don’t think i’ll Be needing anything else so I would rather not enroll in program just the $5 for initial question so this should end my free trial.
Customer reply replied 7 months ago
No thank you to phone call.

Thank you for your reply.

I wish you the best.

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 Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 126,844
126,844 Satisfied Customers
Experience: Attorney experienced in commercial litigation.

Law Educator, 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

7,125 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

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 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

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
My question has to do with credit. My credit scores are low
My question has to do with credit. My credit scores are low due to a major income drop/lost. As a result I am considering using a consolidation company to assist me. Can you tell me how effective they… read more
KLAW
KLAW
Juris Doctorate
2,392 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
198 satisfied customers
Installment loan. I'm thinking of going with a debt
Customer: Installment loan. I'm thinking of going with a debt consolidation company and want to make sure they would cover these as well as credit card dept … read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
Which firm is the best re: problem with store which sold
Which firm is the best for litigation re: problem with store which sold merchandise and after payment was made, informed client, by notice on bottom of bill that no refund would be made, Only credit t… read more
Zoey, JD
Zoey, JD
Doctoral Degree
198 satisfied customers
I lost my job a year ago and my husband and mom have been
I lost my job a year ago and my husband and mom have been helping me pay my credits cards and now it's come to the point where I just can't pay them, I have about 10-15,000 is credit card debt, about … read more
Law Educator, Esq.
Law Educator, Esq.
Lawyer
Doctoral Degree
126,844 satisfied customers
I don't want to file bankruptcy but I am over my head in
I don't want to file bankruptcy but I am over my head in payments. I need to consolidate debt or find a debt reduction settlement plan. I can afford a payment that is reasonable, but my debt to income… read more
Law Educator, Esq.
Law Educator, Esq.
Lawyer
Doctoral Degree
126,844 satisfied customers
I and my wife are considering a Dept. Consolidation company
I and my wife are considering a Dept. Consolidation company to negotiate our credit card debt of $60,000 lower. Would this route be better or would a Ch. 13 thru an attorney be better ? The two debts … read more
Law Educator, Esq.
Law Educator, Esq.
Lawyer
Doctoral Degree
126,844 satisfied customers
I have high credit card debt with high interest rates on debt.
I have high credit card debt with high interest rates on debt. Most of the debt dates back over 3 years. I have been paying minimums because I can't pay more. I am having trouble making ends meet each… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
I had joined a consolidation company who supposedly negotiated
I had joined a consolidation company who supposedly negotiated my credit card debts to several companys and was paying monthly fee's. I discovered this was not true. One particular company had negotia… read more
HCLegal
HCLegal
Partner
Doctoral Degree
429 satisfied customers
I have about 12,000.00 in credit card debt. I also owe about
I have about 12,000.00 in credit card debt. I also owe about 6000.00 on vehicles, and I am paying 600.00 monthly for my daughter's college education. I want to get a debt consolidation loan and I am w… read more
Legalease
Legalease
Attorney At Law
Doctor of Law w/ highest honors
15,719 satisfied customers
I am about to contract with a company to put a new cesspool
I am about to contract with a company to put a new cesspool in for me. I cannot find any BBB reference using name, address, telephone numbers (2), email address, or web address. Are there any other op… read more
Sam
Sam
Attorney
Doctoral Degree
10,701 satisfied customers
i am being sued by a law firm in regards to a credit card debt.
i am being sued by a law firm in regards XXXXX XXXXX credit card debt. one is set for judgement 08/30/2010. that is about $1400. the other has not been filed but is around $4000. the same credit card … read more
Ely
Ely
Counselor at Law
Juris Doctor
3,436 satisfied customers
I have some cedit card debt and am curious about the debt consolidation
I have some cedit card debt and am curious about the debt consolidation industry. Is this all bogus or do they usually manage to knock off 1/2 of the debt owed? Is there a safe way to proceed with the… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I have been approached by a consumer law group about my debt.
I have been approached by a consumer law group about my debt. I owe 6800.00 in credit card debt, I was told that they could get that reduced to .46 on a dollar which would bring my debt down to about … read more
Jane Doe Deer's Jobs
Jane Doe Deer's Jobs
Attorney
Post-Doctoral Degree
14 satisfied customers
W Batie Medford, OR I am living on Social Security only. I
W Batie Medford, OR I am living on Social Security only. I got a summons from the Jackson County, Oregon, from a Davis Law Firm stating that I owed Bank of America $2600 dollars in credit card debts. … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I am considering debt consolidation. Allegro Law,LLC is the
I am considering debt consolidation. Allegro Law,LLC is the firm handling this. Are they legitimate?… read more
Sam
Sam
Attorney
Doctoral Degree
10,701 satisfied customers
I have been paying a credit card company for year through a
I have been paying a credit card company for year through a non profit consolidation company, they just now accepted the consolidation company's proposal to lower the interest rate after a year. They … read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I have alot of high interest credit card debt which I just ...
I have alot of high interest credit card debt which I just can''t keep up with. I have seen so many ads for the companies that can help to negotiate the debt and get it cut way down. I have contacted … read more
Anne_C
Anne_C
Attorney
Doctoral Degree
13 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