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I had entered into a loan process for a time share & was…

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Hi, I had entered...

Hi, I had entered into a loan process for a time share & was told I had until the end of October to finalize my decision, as I was unemployed at the time & trying to start 2 different businesses at the time. I had just started receiving unemployment & they knew this. I called before the end of October & they said it was too late they had already put it through, despite what they said. I looked them up & apparently, they have an established habit of doing this.

Lawyer's Assistant: Have you thoroughly reviewed the contract?

I was pressured to sign at the time, stating that I had been given the guarantee verbally that I had until the end of October. I have looked at the contract since & it is very dense legal jargon

Lawyer's Assistant: Has anything been filed or reported?

I did consult with Time Share Exit Team, but they told me this is common. I have contacted the Attorney General's office of both New York & PA, the CFPB, the FTC & the BBB & they all keep bouncing the ball back into the other's court. I spoke to a friend in NY who is a Real Estate Agent who said what they did was illegal, especially since they knew I was unemployed

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

They have it as a negative on my credit report & they have scaled back on the harassing phone calls, but they were pretty vigorous in the beginning

Submitted: 11 months ago.Category: Legal
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9/7/2017
Lawyer: Phillips Esq., Attorney-at-Law replied 11 months ago
Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Legal
Satisfied Customers: 22,793
Experience: B.A.; M.B.A.; J.D.
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Hello: This is Phillipsesq. Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.

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Lawyer: Phillips Esq., Attorney-at-Law replied 11 months ago

I am so sorry to read about your difficulties.

I have carefully reviewed your post. However, I did not see a specific question. What is your specific question?

Thank you for your cooperation,

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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).

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