Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

Attempting to purchase a car (finance or lease) a newer

Customer Question
vehicle. I have a 2.5 year...
Attempting to purchase a car (finance or lease) a newer vehicle.
I have a 2.5 year old repossesion outstanding. I have scarfing record showing payment default because I was almost hit and killed by a train - finance company and railroad rather than serve justice said you us $3000.00 since no gap insurance and were even -
How do I fix these records so that I can proceed with a new purchase
Submitted: 2 years ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 24 minutes by:
3/3/2016
Lawyer: Nishan Parlakian,
 replied 2 years ago
Nishan Parlakian
Category: Legal
Satisfied Customers: 56
Experience: Principal at Consumer Law Office of Nishan Parlakian, Esq.
Verified

Kevin, at least you lived to tell about it thank goodness. So if I have this right the 3K is outstanding and appears as part of the repossession? And the problem overall is that this is showing up on your credit report? So there is no good way to get the derogatory information off of your credit report-unless it is false. That being said as a consumer lawyer you can try this: First write a letter or dispute the repossession online with each of the three credit reporting companies. When you dispute the credit reporting companies don't have the authorization to remove the information but they must forward the dispute to the bank or whomever is reporting the derogatory information. If the entity reporting does not answer within 30 days then then the derogatory information should be removed. This is not an easy process, however it is within the law. Also, generally if the balance was paid you should be able to obtain some financing even if you are not able to immediately remove the information. This is the only way I am aware of as a consumer attorney to remove the information. You could also ask the bank to report it as satisfied and to remove it but generally I have found that they are not responsive. If there is more information you want me to know about please let me know. Good luck, Sean

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 Nishan Parlakian Your Own Question
Nishan Parlakian
Nishan Parlakian
Nishan Parlakian
Category: Legal
Satisfied Customers: 56
56 Satisfied Customers
Experience: Principal at Consumer Law Office of Nishan Parlakian, Esq.

Nishan Parlakian 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

24,642 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

22,059 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

43,763 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

297 satisfied customers

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

< Previous | Next >

Related Legal Questions
Does the price of car insurance offered by insurance
Does the price of car insurance offered by insurance companies usually vary depending on whether someone is driving an older car or a newer car? How much does it cost on average to fully insure a 2017… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,059 satisfied customers
Can geico insurance has. Can an insurance company total a
Can an insurance company total a car with blue book value of $11,500 and a damage estimate of $5760, and put you in debt for $6000 payoff. … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
43,763 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
43,763 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
22,059 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
12,040 satisfied customers
My question is about insurance, car insurance that is
My question is about insurance, car insurance that is involving an accident … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
Doctoral Degree
43,763 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
32,951 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
12,040 satisfied customers
Transunion blocked my credit report. I did not ask them too.
Transunion blocked my credit report. I did not ask them too. I don't know how long this went on, but when I refinanced, they had to work around it as month Jan 22 2018. When I leased a new vehicle in … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,837 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
939 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
12,040 satisfied customers
If I wish to have an item removed from my credit report,
If I wish to have an item removed from my credit report, how? Write the credit bureau a letter and ask to have it removed?… read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
37,395 satisfied customers
Credit report shows old credit debt. called the 800 number
Credit report shows old credit debt. called the 800 number on the report and they told me their legal department had tried to reach me... She said I did not need an attorney and now I don't know what … read more
KLAW
KLAW
Juris Doctorate
2,170 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
In checking credit report, just found out I owed $75.00 and
In checking credit report, just found out I owed $75.00 and 13,692.80 interest has accrued since 1997..Help … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,040 satisfied customers
I have a closed account on my credit report that has been on
i have a closed account on my credit report that has been on there for 20 years, its closed. was for credit card debt … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,896 satisfied customers
I freeze and unfreeze my credit report online is it
I freeze and unfreeze my credit report online is it immediate or does it actually take time after ?… read more
Ray
Ray
Lawyer
Doctoral Degree
32,951 satisfied customers
What information is on a credit report? If somebody always
What information is on a credit report? If somebody always pay their phone bill and health insurance bill on time each month, is that likely to be listed on their credit report? Or are only bills they… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
12,040 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