Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I had a loan with a Bank. Just before the Bank got sold,

Customer Question
I had a loan...

I had a loan with a Bank. Just before the Bank got sold, their lawyer was able to get a judgement on me without me knowing and later got a Garnishment. My $20K CD was taken. He went into my accounts and took all the money until a lawyer accused him of over reaching. This all happened 3 years ago. Out of the blues he showed again this year with papers on my vehicle and wants more money on behalf of the bank, Certus Bank, that has already been sold. What are my options?

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

Georgia

Lawyer's Assistant: What steps have you taken so far?

I got in touch with the lawyer who called him out the first time, but I am weighing my options. His action is suspicious. I just settled some other loans with another Bank 2 months ago

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

I will like to know my Rights and Options

Submitted: 4 months ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 4 hours by:
3/18/2018
Consumer Protection Lawyer: WiseOwl58, Lawyer replied 4 months ago
WiseOwl58
WiseOwl58, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 4,563
Experience: Consumer Protection Expert and Advocate
Verified

If the bank was sold, then this officer has no legal right to come after you. It looks like he is doing illegal collection activity, so I would suggest you get his contact information and report him to the police in your city for prosecution. He is taking advantage of you now, and you should have criminal charges brought against him.

Please rate five stars ***** by clicking on five stars ***** and press SEND.

A bonus is appreciated after you rate.

Good luck to you. I wish you all the best.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: WiseOwl58, Lawyer replied 4 months ago

Please rate five stars ***** by clicking on five stars ***** and press SEND.

A bonus is appreciated after you rate.

Good luck to you. I wish you all the best.

Ask Your Own Consumer Protection Law Question
Consumer Protection Lawyer: WiseOwl58, Lawyer replied 3 months ago

Please rate five stars ***** by clicking on five stars ***** and press SEND.

A bonus is appreciated after you rate.

Good luck to you. I wish you all 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 WiseOwl58 Your Own Question
WiseOwl58
WiseOwl58
WiseOwl58, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 4,563
4,563 Satisfied Customers
Experience: Consumer Protection Expert and Advocate

WiseOwl58 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
My car was repossessed in the state of Georgia. I received a
My car was repossessed in the state of Georgia. I received a letter stating that I had the option to either pay the deficiency or let the car be sold at auction. If sold at auction I could reply back … read more
Jessica B
Jessica B
Juris Doctor
1,529 satisfied customers
I was offered an $80,000 personal loan by a bank, where I
hello!...I was offered an $80,000 personal loan by a bank, where I have $65,000 in IRA CD locked for the next 5 years. I have one investment house rented, worth $440000, paid in full. I also have my h… read more
Ray
Ray
Lawyer
Doctoral Degree
33,357 satisfied customers
A delinquent account was sold to a collection agency who now
A delinquent account was sold to a collection agency who now has sent a notice to appear in court for a pretrial hearing. It says that not showing up will be an automatic admission of financial respon… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
hello, i have a judgement against me from 9/2008 for $6781
I have a default judgement against me from 9/2008 for $6781 from Citibank and I want to pay it off. I don't know how. I mean, I don't know who to contact, if I should contact the court (the case numbe… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,671 satisfied customers
Potentially this case has a dozen moving parts. I need to give
Potentially this case has a dozen moving parts. I need to give some background in order to ask the question. In March 2003 a person obtained a judgement against me in GA. in 2009 they filed a Nulla Bo… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
Hi Alexia, I went to FIT a few years ago, and i had to get
Hi Alexia, I went to FIT a few years ago, and i had to get 5 student loans. I had a really hard time after school, so i ended up defaulting in all the loans. I was able to work with the other 4 agenci… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Managing Lawyer/Advocate
Doctoral Degree
3,286 satisfied customers
Hi, Im facing a civil suit from a debt collecting law firm
Hi, I'm facing a civil suit from a debt collecting law firm in Fulton County Georgia. This started about 3 yrs ago when I first got a letter indicating they plan to sue me for a credit card. This cred… read more
Lucy
Lucy
Juris Doctor
130 satisfied customers
I have three Sallie Mae private loans that were about to be
I have three Sallie Mae private loans that were about to be written-off as bad debt. I can't pay them and in a desperate last attempt in good faith to pay these, I just started a remodification progra… read more
PhillipsEsq.
PhillipsEsq.
Attorney
JD
822 satisfied customers
I found that I got a garnish on my bank account and now my
I found that I got a garnish on my bank account and now my account shows a negative balance due to the money I retired over the las week, what should I do?… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
I got a loan from beneficial, which is now house hold bank
I got a loan from beneficial, which is now house hold bank back in 2005. when I got the loan, I asked the loan officer if it was a simple interest loan. He assured me several times that it was not a s… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
a lawsuit has been filed against my girlfriend for non payment
a lawsuit has been filed against my girlfriend for non payment of a credit card debt. The credit card company wrote off this debt a year ago but has sold the debt to another company who has now filed … read more
HCLegal
HCLegal
Partner
Doctoral Degree
429 satisfied customers
I had a short sale on my house 2 years ago in Florida. I had
I had a short sale on my house 2 years ago in Florida. I had an 80/20 loan. The bank settled on the 80% portion of it but they sold the other 20% to another Mortgage Co (Greentree) who in turn stated … read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
Deficiency Judgement in Georgia from foreclosure. Please
Deficiency Judgement in Georgia from foreclosure. Please only answer if you have experience in Georgia deficiency judgements or foreclosure. I'm planning on walking away from my home. I'm 2 months lat… read more
socrateaser
socrateaser
1,452 satisfied customers
what can i do after a credit card company has gotten a judgement
what can i do after a credit card company has gotten a judgement (Writ Of Fieri Facias). I have not worked in 2.5 yrs. This was a credit card I had before we got married and never had his name added. … read more
C.Fortunato
C.Fortunato
J.D.
26 satisfied customers
I have a loan with the bank that is in default--they have has
I have a loan with the bank that is in default--they have has collateral the office furniture, computers, etc. I do not own a home. They are going to sue. What can they get other than furniture, fixtu… read more
Ely
Ely
Counselor at Law
Juris Doctor
3,436 satisfied customers
I have unpaid credit card debt and have been sued by a firm
I have unpaid credit card debt and have been sued by a firm on behalf of AMEX. If Texas state law does not allow wage garnishments and house liens, what do they hope to accomplish even if they win a j… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,089 satisfied customers
We just found out that my sons debt was sold by MBNA to 2 different
We just found out that my sons debt was sold by MBNA to 2 different collection agencies. He has been paying on Allied...on a student loan, but is still a full-time student and got his bank accounts ra… read more
MDLaw
MDLaw
Attorney
Post-Doctoral Degree
358 satisfied customers
I got a loan for a motorhome from my Bank. I live in Texas.
I got a loan for a motorhome from my Bank. I live in Texas. I could no longer afford the payments and took it to a consignment lot to try to sell it. After around 90 days the bank came and took the mo… read more
legaleagle
legaleagle
Attorney
Doctoral Degree
7,047 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