Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal
This answer was rated:

I have been trying all day to find an attorney here in Columbia

MO and have been unsuccessful...
I have been trying all day to find an attorney here in Columbia MO and have been unsuccessful. What type of attorney would I use.
Show More
Show Less
Ask Your Own Legal Question
Answered in 15 minutes by:
11/9/2013
Jack R.
Jack R., Attorney
Category: Legal
Satisfied Customers: 6,147
Experience: OH/TX Practicing Attorney focusing on Family Law, Foreclosure, Landlord-Tenant Issues.
Verified

Jack R. :

hello

Jack R. :

Thank you for choosing Just Answer. My name is XXXXX XXXXX I will assist you today.

Jack R. :

What type of lega lmatter do you have ?

Customer:

what happened to ELY I was working with him on my issue

Jack R. :

I am sorry, you question did not have a requested expert. Apparently Ely is not online.

Jack R. :

Do you wish me to exit ad wait for Ely ?

Customer:

oh dear I am having an issue with a local payday loan outfit who is trying to grab my VA disabily for interest fees and finance fees on top of the 1000 dollars I have paid them for a 960 loan. they are demanding 1078 dollars in addition. That is a half month pay fo

Jack R. :

You would probably need an attorney that handles consumer credit issues. Payday loans have an exorbitant interest rate. It is quite possible you are what we refer to as judgment proof.

Jack R. :

Vetreans benefits are not subject to garnishment. You must go to the bank where your money is deposited. Tell them that the sole source of funds in you account is from Veterans Benefits and is not subject to attachment, levy or garnishment. This will help prevent payday from cleaning out your account.

Jack R. :

Payday will try yo bully you, they may threaten criminal sanctions. You should be aware that no criminal sanctions can be had, no one will arrest you.

Customer:

I have made attempts today with their corporate offices in Texas to initiate a settlement and they are refusing saying that im not in collections. I have no collections on my credit so Im sure I will be now. my VA and SSD is my only income

Jack R. :

Again, tell your bank your accounts are not subject to garnishment. This is important. I have seen them raid bank accounts.

Jack R. :

Having meiated a number of these payday loans, i can tell you fighting them can be fruitless. You may be able to negotiate a smaller payment. This usually requires a lump sum payment.

Jack R. :

Is there anything else I can help you with ?

Customer:

Thank You I will try to survive this

Jack R. :

Please accept my answer with a rating of 3 or better so I may get credit for my response. If you have follow up questions please ask. Please note that paying the deposit does not cause funds to be disbursed until you rate my response (3 or greater).

Jack R.
Jack R., Attorney
Category: Legal
Satisfied Customers: 6,147
Experience: OH/TX Practicing Attorney focusing on Family Law, Foreclosure, Landlord-Tenant Issues.
Verified
Jack R. and 87 other Legal Specialists are ready to help you
Ask your own question now
Customer reply replied 4 years ago


Good morning Jack I did speak with my bank this morning. they said I should be careful that this lender could attempt to prosecute me. What do I do now.

They can try to proceed with collections. However, you are uncollectable. Prosecution means nothing more than getting a judgment. It is not a criminal proceeding. Since you do not have a job there cannot be a garnishment, you have already taken care of the bank situation. There is little more they can do other than try to sell some possessions.

 

Your bank is correct payday loan folks try to collect with garnishments or raiding bank accounts.

 

Please accept my answer with a rating of 3 or better so I may get credit for my response. If you have follow up questions please ask. Please note that paying the deposit does not cause funds to be disbursed until you rate my response (3 or greater).

Ask Your Own Legal Question
Customer reply replied 4 years ago

I am not sure if you received my last question so I will try again. My bank also told me that they may attempt to prosecute me on bad check charges. Im getting scared

I did respond... If you are still unclear please let me know.

They cannot prosecute you on a bad check charge unless you wrote a check that bounced. You have to write a bad check to be prosecuted, Not repaying a loan is different than writing a bad check.

Please accept my answer with a rating of 3 or better so I may get credit for my response. If you have follow up questions please ask. Please note that paying the deposit does not cause funds to be disbursed until you rate my response (3 or greater).
Ask Your Own Legal Question
Customer reply replied 4 years ago

I am afraid That I might have been taken in on a questional automobile trade. This may potentially become an issue in a bankruptcy. this dealership has convinced us that we would be better off if we took vehicles that were way out of our price range, with low credit scores & verification of incomes.Something is not sounding right.What should I do?
,

Customer reply replied 4 years ago
Relist: Other.
no answer
Are you going to go through a bankruptcy proceeding ? Why do you believe the automobiles will be an issue ?
Ask Your Own Legal Question
Customer reply replied 4 years ago

Oh NO I am the same person who was talking with you about my payday loan situation. I needed to change the topic.But it is related I am questioning whether or not that situation is the reason I was getting payday loans in the first place. we cannot afford it. I can explain what is happening.our credit scores were low. My husband had a judgement on his credit. W disclosed and had verified our monthly income. how did we end up with vehicles totaling 119000 dollars when we asked for the least expensive vehicles. Oh my daughter who is also on the title for her vehicle had 0 credit. I feel like ive been had

Please explain, the reason for the loan does not make any difference unless the car was put up as security for the payday loan. I am curious whether you paid payday with a bad check ?

Ask Your Own Legal Question
Customer reply replied 4 years ago


no you must pay withcash. I am saying that I got payday loans to try to boost my income so I can pay my bills on time.They do get a check they can use if they want to raid your account. or if you fail to pay. i have always paid im just concerned they may use it to get their interest pay their interest fees while i am in a financial crisis because of these vehicles. i will be bankrupt i think.

I do not believe that you have any concerns about a bad check.. Payday knew when you gave them the check you could not cover the amount. To protect yourself just stop payment on the check. The bank can help you with that.

 

As far as bankruptcy that might not be necessary either. A stated if you are uncollectible there may be no reason to file for Bankruptcy.

 

If you fail to make the payments on the car you will lose the vehicles. You might be able to file a claim for predatory lending practices based on the comments you have made above. A local attorney would be best able to assess the loan and how you were induced into buying a vehicle you could not afford.

 

Please accept my answer with a rating of 3 or better so I may get credit for my response. If you have follow up questions please ask. Please note that paying the deposit does not cause funds to be disbursed until you rate my response (3 or greater).

Ask Your Own Legal Question
Customer reply replied 4 years ago

unfortunately this happens a lot to active duty military and veterans. We often run into this problem with merchants and lenders who prey on us and pick us clean. we lose the property and the money and end up with nothing. Im a little bit ahead of you I have been furiously looking some kind of representation and haven't been successful. It does not help that this dealership is pretty much a monopoly in the city where we live. they are powerful and wealthy. I don't believe I can fight them on their home turf. my husband and I together only make about 60k a year one of the cars is 46000. the other is 44000 the other is 32000. They claim our credit scores wouldn't qualify us for less expensive used cars because the rebates on new cars would help make the payments less at less interest. That ended up being a lie and we were trapped. I don't know what to do.


 

You should call the Bar association in your County. Many Bar associations have a lawyer referral service. Ask them for a consumer protection law referral. This tends to be a specialized area of the law and it is not surprising that you are having difficulties.

 

Please accept my answer with a rating of 3 or better so I may get credit for my response. If you have follow up questions please ask. Please note that paying the deposit does not cause funds to be disbursed until you rate my response (3 or greater).

Ask Your Own Legal Question
Ask Jack R. Your Own Question
Jack R.
Jack R.
Jack R., Attorney
Category: Legal
Satisfied Customers: 6,147
6,147 Satisfied Customers
Experience: OH/TX Practicing Attorney focusing on Family Law, Foreclosure, Landlord-Tenant Issues.

Jack R. 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

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,325 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,642 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

42,245 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

290 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
I am inquiring about international legal representation. and
I am inquiring about international legal representation. I am Canadian and have legal distribution rights in the Philippines. The manufacturer is in Germany and is threatening to open up partnership w… read more
Asad Rahman
Asad Rahman
Attorney
J.D.
2,225 satisfied customers
Is there a title company in Chicago by the name of
Is there a title company in Chicago by the name of Independence Federal … read more
KJL LAW
KJL LAW
Juris Doctorate
1,678 satisfied customers
Can a buyer who completed pof a home with possession but
Can a buyer who completed pof a home with possession but pending conveyance ofvtitle … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,642 satisfied customers
What is quieting Title to a property. Detroit. My mortgage
my mortgage company want me to sign a document to quiet title to property… read more
N Cal Atty
N Cal Atty
Doctoral Degree
59 satisfied customers
This is my question, As legal representive of my Aunts
This is my question, As legal representive of my Aunts estate. All the paperw ork ahs been processed. After the estate inventory has been possted my nephew whose haassn't been aroundm for over 10 year… read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
34,866 satisfied customers
My attorney dropped me in his representation of me in a
My attorney dropped me in his representation of me in a Superior Court Appeal and now and I am pro se. He wrote the complaint and I have to deal with what he submitted since the hearing is on Nov 1. I… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,245 satisfied customers
Is a demand for possession and eviction notice?? Missouri,
No nothing has been filed. Was received on 14th of last month to be out by October 2nd taped on the door. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
I am currently seeking representation to a slander,
I am currently seeking representation to a slander, defamation, libel case... … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
Ten years ago I got a title loan using my personal vehicle
Ten years ago I got a title loan using my personal vehicle as collateral. I subsequently defaulted on the loan but the creditors were unable to retrieve the car. Now the car has broken down and can't … read more
Dwayne B.
Dwayne B.
Juris Doctor
28,570 satisfied customers
I paid off a title loan and purchased the vehicle the title
hi I paid off a title loan and purchased the vehicle the title co released the lien and gave me the title and then went back and applied for a replacement title that has the lien on it because their c… read more
Van
Van
Retired Criminal Court Judge
Juris Doctorate
76 satisfied customers
I used my pickup for a Title Loan several months ago. Texas
Hello my name is Alfonzo. I used my pickup for a Title Loan several months ago. … read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
HOW DOES ONE GET REPRESENTATION IF TELEPORTED TO LIKE
HOW DOES ONE GET REPRESENTATION IF TELEPORTED TO LIKE LOCATIONS AND PERSECUTED BY LIABLE ELECTRONICS SURVEILLEINCE INDUSTRY? … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,245 satisfied customers
290 union carpenter, I am looking for representation in a
Hi, I am Local 290 union carpenter, I am looking for representation in a situation of employment discrimination based on favoritism in Union among members … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,245 satisfied customers
I recently purchase property title and loan is in friend
i recently purchase property title and loan is in my name My friend office to pay half of the cost . need a contract and will . I have two sons she has a sister and brother I need advice / legal docum… read more
Attyadvisor
Attyadvisor
Doctoral Degree
6,963 satisfied customers
We own a condo together as loan, title(deed) and husband
We own a condo together as loan, title(deed) and husband agrees to quit claim deed in order to transfer me as sole ownership. I'm aware of that when future sale, capital gain tax exemption would be $2… read more
TaxAttorneytoHelp
TaxAttorneytoHelp
Owner
Doctoral Degree
2,542 satisfied customers
I had a vehicle repod yesterday in IL due to title loan
I had a vehicle repod yesterday in IL due to title loan payment default. The vehicle was repod once before and I paid to get it back. They are telling me now I can't get it back at all. Is this true??… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
6,325 satisfied customers
I an trying to ascertain if pro bono representation received
Good evening. I an trying to ascertain if pro bono representation received by a former spouse could be considered as income or in-kind benefits for the purpose of calculating child support … read more
LegalGems
LegalGems
Juris Doctorate
10,370 satisfied customers
My car is charged off on its loan but the title is with the
My car is charged off on its loan but the title is with the bank's possession, how can I get the title released back to me? … read more
LawTalk
LawTalk
Attorney at Law
Juris Doctor
128 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