Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

Some guy from this "Restitution Department" is calling me…

Customer Question
Some guy from this "Restitution...
Some guy from this "Restitution Department" is calling me and wanting me to pay for this pay-day loan that I did not make . He knows where I work and has my social security number and will not give me his information as far as his address. What legal actions can I make?
Submitted: 2 years ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 2 minutes by:
1/29/2016
Lawyer: Richard, Attorney replied 2 years ago
Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 56,899
Experience: Attorney with 29 years of experience.
Verified

Hi! My name is ***** ***** well! I look forward to helping you!

This is a total fraudulent scam and violates both state and federal law. Respond to the sender by informing him that you do not owe this debt, that his communication violates Federal and state law, and demand he immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform him that his threats of criminal prosecution constitute a violation of state law and the Federal Fair Debt Collection Practices Act and that you will be reporting each and every violation to your state's attorney general's office and the Federal Trade Commission. Each violation carries at least a $1,000 fine at the Federal level. Also let him know that should he be stupid enough to file any negative credit report, you will be filing a defamation suit against him for both your actual and punitive damages. In my experience, the fines under the Federal Act, and the report to the attorney general's office, and the threat of the defamation should be an end to these collection efforts.

Thank you so much for allowing me to help you with your questions. I have done my best to provide information which fully addresses your question. If you have any follow up questions, please ask! If I have fully answered your question(s) to your satisfaction, I would appreciate you rating my service as OK, Good or Excellent (hopefully Good or Excellent). Otherwise, I receive no credit for assisting you today. I thank you in advance for taking the time to provide me a positive rating!

Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Richard Your Own Question
Richard
Richard
Richard, Attorney
Category: Legal
Satisfied Customers: 56,899
56,899 Satisfied Customers
Experience: Attorney with 29 years of experience.

Richard 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:

Ely

Ely

Counselor at Law

24,657 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

22,408 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

44,066 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 Senmartin

Guillermo Senmartin

Lawyer

300 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
I have a mortgage credit reporting question. Tn to. None
Hi Pearl. I have a mortgage credit reporting question. … read more
Olivia Kent
Olivia Kent
Managing Partner
Doctoral Degree
3,606 satisfied customers
Looking for consult on libel and defamation. Massachusetts.
assault and battery, physical and mental violence, libel and defamation… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
30,236 satisfied customers
Can I attach a claim for defamation per se to a complaint
Quick question...Can I attach a claim for defamation per se to a complaint without proof of compensatory damages and simply seek punitive? … read more
DamienJD
DamienJD
Attorney
Doctoral Degree
4,848 satisfied customers
I need info on restitution. My son was convicted for a
I need info on restitution. My son was convicted for a felony, spent 18 months at SeaTac, is on probation until Nov.6, 2018. He filed for Social Security disability for Bi-Polar mental illness among o… read more
AlexiaEsq.
AlexiaEsq.
Managing Lawyer/Advocate
Doctoral Degree
37 satisfied customers
I have a collection on my credit report that I tried to have
I have a collection on my credit report that I tried to have removed & I was unsuccessful. … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
44,066 satisfied customers
I was on my credit report and noticed a new account (wasn't
I was on my credit report and noticed a new account (wasn't there a couple months ago when I was on my credit report) that is in collections. I have not been contacted or notified by collections of mo… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,408 satisfied customers
I have a medical bill on my credit report that has been
I have a medical bill on my credit report that has been turned over to law firm for collections the medical is showing uppaid but in actuality i am making the payments to the law firm … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,279 satisfied customers
Credit reporting problem with banks. Oregon. Phone calls
Credit reporting problem with banks. JA: What state is this in? It matters because laws vary by location. Customer: oregon JA: What steps have been taken so far? Customer: phone calls leading nowhere.… read more
Ray
Ray
Lawyer
Doctoral Degree
33,048 satisfied customers
I pulled my credit report and discovered that my mother
I pulled my credit report and discovered that my mother refinanced a home when I was 9 years old on my credit. I was looking into suing the bank for letting this happen. How would I go about doing tha… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,279 satisfied customers
If restitution is paid for a jewelry theft in an employers
Hi, If restitution is paid for a jewelry theft in an employers home, after being arrested and getting second chance probation, can the homeowners insurance company subrugate? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,279 satisfied customers
Can you expect to receive and/or ask for punitive damages in
Can you expect to receive and/or ask for punitive damages in Small Claims Court for charges such as "Intent to Harm" and Trespass to Chattel?… read more
DanLegal
DanLegal
Law Partner
Juris Doctor
549 satisfied customers
Credit report: I was an officer at a business. It's loans
credit report: I was an officer at a business. It's loans were paid late to the bank, and it was put in collections. Three of us officers are personally liable (it was paid, btw). Should this be on my… read more
Attorney Wendy
Attorney Wendy
Member
Juris Doctorate
968 satisfied customers
Hard inquiry on credit report. Is there a process by which a
Hard inquiry on credit report. Is there a process by which a company that made a hard inquiry on my credit report can contact the bureaus to retract it? A report was run on me with my permission by a … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,279 satisfied customers
My daughter is having to testify before an attorney general
My daughter is having to testify before an attorney general in reference to a company she owned. Is she entitled to a pro bono attorney. Right now she is going in alone and very frightened … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,408 satisfied customers
Can I sue the Attorney General for conspiracy in a
Can I sue the Attorney General for conspiracy in a manslaughter case . And who handles it. … read more
Attyadvisor
Attyadvisor
Doctoral Degree
8,064 satisfied customers
While looking at credit report I noticed that the applicant
Hi, while looking at credit report I noticed that the applicant has 6 collections with total balance around $3500; for all of them it says: Loan type - open; status - 9B:collection account; remarks - … read more
DrakeLAW
DrakeLAW
Juris Doctorate
1,038 satisfied customers
On my credit report shows Midwest Recovery Systems VIP LOAN
on my credit report shows Midwest Recovery Systems VIP LOAN SHOP … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,878 satisfied customers
Punitive damages cap for physicians in Utah? Have there been
Have there been successful cases against physicians in Utah for punitive damages … read more
LegalGems
LegalGems
Juris Doctorate
12,307 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