Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal

I settled with a debt collector paying the full amount. The

Customer Question
issue is that i specified...
I settled with a debt collector paying the full amount. The issue is that i specified on the recorded message that it wasn't suppose to come out until the 15th. They took it out anyway and caused my account to overdrawn with fees. Now my family has no money until the 15th to buy every day items like groceries. Is there anything I can do legally?
Submitted: 2 years ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 3 minutes by:
12/9/2015
Lawyer: Loren, Attorney replied 2 years ago
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 35,901
Experience: 30 years experience representing clients.
Verified

Good morning. I am Loren, a licensed attorney, and I look forward to assisting you.

Ask Your Own Legal Question
Lawyer: Loren, Attorney replied 2 years ago

What was the basis of the underlying debt?

Ask Your Own Legal Question
Customer reply replied 2 years ago
credit card
Lawyer: Loren, Attorney replied 2 years ago

I am sorry to hear of your dilemma. I realize how frustrating this is for you and I hope to provide you information which is accurate and useful, even though it may not be the news you were hoping to get.

Ask Your Own Legal Question
Customer reply replied 2 years ago
i appreciate that. Hopefully you can help.
Lawyer: Loren, Attorney replied 2 years ago

Unfortunately, without a written settlement agreement there is not really any way to force them to give you back the money. Especially, if you do not dispute the validity of the debt.

Debt collectors do not ever voluntarily give back money they have collected and their is nothing that you can do which will restore the money to your account.

If you were misled you can file a complaint with the state attorney general, but that will not be a quick resolution.

Ask Your Own Legal Question
Lawyer: Loren, Attorney replied 2 years ago

I realize this is probably not the answer you were hoping to receive. Also, please remember that this is not necessarily a moral judgement on my part. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's legal position, but accurately reflects their position under the law. I hate it, but it happens and I only ask that you not penalize me with a bad or poor rating for having to deliver less than favorable news.

Ask Your Own Legal Question
Customer reply replied 2 years ago
even if they have it recorded on the message they aren't liable?
Lawyer: Loren, Attorney replied 2 years ago

Not if you do not dispute the debt.

Ask Your Own Legal Question
Customer reply replied 2 years ago
How do i do that?
Customer reply replied 2 years ago
I have with the company and with my bank.
Lawyer: Loren, Attorney replied 2 years ago

While you may have a dispute, it is unlikely to be resolved before 12/15. All you can do is keep calling the debt collector to see if they will restore the money. I would not hold out much hope though. They are not going to return money on a valid debt.

Ask Your Own Legal Question
Ask Loren Your Own Question
Loren
Loren
Loren, Attorney
Category: Legal
Satisfied Customers: 35,901
35,901 Satisfied Customers
Experience: 30 years experience representing clients.

Loren 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

24,353 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,727 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

42,358 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

292 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
We would like your help in creating a settlement agreement
Good morning! We would like your help in creating a settlement agreement with our tenants. The case you have been helping us so far. If I send you the text it would be very helpful if you could check … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
7,403 satisfied customers
Can a signed property settlement agreement be appealed
Hello, can a signed property settlement agreement be appealed before it goes before a judge? … read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
1,969 satisfied customers
I have a court order for my Marriage settlement agreement
I have a court order for my Marriage settlement agreement that lists an end date for child support. As I understand, I will need to make a motion for emancipation. If the end date is June 2018, how fa… read more
Michael Bradley
Michael Bradley
JD
1,193 satisfied customers
In 2017 an attorney General finding found that for an
in 2017 an attorney General finding found that for an extended time, 5 years, that a State agency created an incorrect calculation and erroneous child support balance. Im in the military and this erro… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
I have had a Marital settlement agreement with my Ex-wife
I have had a Marital settlement agreement with my Ex-wife and She filed for a no fault divorce which I consented to and included the MSA in the filling and divorce was granted.The MSA included the cus… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
7,403 satisfied customers
Let's say I entered into a settlement agreement with a
Hi,Let's say I entered into a settlement agreement with a publisher after I was found to have sold counterfeit books from that publisher, agreeing not to infringe again. The contract also stated that … read more
Bill Attorney
Bill Attorney
law
1,607 satisfied customers
My Marriage settlement agreement (MSA) states that I will
My Marriage settlement agreement (MSA) states that I will pay child support until our child turns 22, which is in a few months. In order to make it all official, do I have to make a motion to emancipa… read more
Ray
Ray
Lawyer
Doctoral Degree
30,914 satisfied customers
I recived a letter from the attorney general in the state of
I recived a letter from the attorney general in the state of ca feom a former client complaining what do I need to do ? Is this a crime investigation … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
7,403 satisfied customers
L. North Carolina. I have asked the Attorney General to help
Good morning Pearl Wilson, my name is G**** *****l. … read more
Bill Attorney
Bill Attorney
law
1,607 satisfied customers
​DOES THE FACT THAT A FLORIDA SETTLEMENT AGREEMENT WHICH
​DOES THE FACT THAT A FLORIDA SETTLEMENT AGREEMENT WHICH LACKS A WAIVER OF CALIFORNIA CIVIL CODE § 1542 INVALIDATE THE RELEASE WITH THE CALIFORNIA PARTY IN A FLORIDA STATE COURT PROCEEDING? Is their a… read more
LegalGems
LegalGems
Juris Doctorate
10,720 satisfied customers
If a settlement agreement has been signed by both parties,
If a settlement agreement has been signed by both parties, can it be changed: … read more
Loren
Loren
Attorney
35,901 satisfied customers
In a settlement agreement between two individuals, (one
In a settlement agreement between two individuals, (one citizen of US, one of AU) would a clause giving to California "sole, mandatory, exclusive venue and jurisdiction" over the dispute as to the "te… read more
Ray
Ray
Lawyer
Doctoral Degree
30,914 satisfied customers
If settlement agreement contains a clause that both parties
If settlement agreement contains a clause that both parties agree to ask the court to seal/redact lawsuit records, would the court normally agree to seal/redact such lawsuit records? Thanks.… read more
LegalPro54
LegalPro54
Doctoral Degree
1,258 satisfied customers
I need some case law on a settlement agreement that was
I need some case law on a settlement agreement that was forged and the forgery was discovered on a renewal of jugment. In california superior court … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
I am looking for a simple family settlement agreement for
I am looking for a simple family settlement agreement for the state of Pa. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
7,403 satisfied customers
Can a Motion to Enforce a settlement agreement be brought
Can a Motion to Enforce a settlement agreement be brought back to the same court where the action was dismissed with prejudice upon settlement?… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
Briefing 1. I and plaintiff reached settlement agreement in
Briefing 1. I and plaintiff reached settlement agreement in the open court when Judge was there 2. The agreement had a big open end, both agreed that there are two issues needed to reach AGREEMENT, on… read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
42,358 satisfied customers
I received a settlement agreement. The agency put a clause
I received a settlement agreement. The agency put a clause that I am not to seek employment there for the next five years. If this is supposed to be a no fault agreement, then they shouldn't be implyi… read more
Ely
Ely
Counselor at Law
Juris Doctor
24,353 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