Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

This answer was rated:

This may take me a few minutes to type. I went online to get…

This may take me...

This may take me a few minutes to type. I went online to get a loan for @2600.00. I went through Future Income Payments. They sent the money to my bank instantly. I didn't realize it was a pay day loan. I am a senior citizen and I didn't notice. They didn't explain the interest or payments or anything. After 2 weeks had gone by, I noticed they had taken $350.00 out of my account 2 months in a row. I called them, and they said I would have to pay $350.00 for 60 months, totaling $21,000.00. I told them I was not paying that. They said they would accept $3800..00. Yet in my e-mails it shows $350.00 for 60 months and the contract they sent me was the same. So, I called them back, and told them I had to have an e-mail showing The beginning balance of $3800.00 and a monthly payment. They finally changed the e-mail, and I asked them if that would take care of it once I paid this, and she said no I would still have to continue paying. What should I do. I don't trust them, and I don't know if I should even send them another payment. I want to pay them back for what I borrowed, but not 21,000.00 What should I do.

Lawyer's Assistant: Since estate law varies from place to place, can you tell me what state this is in?

I can give you all the information I have. 1-***-***-**** Future Income Payments,Llc

Lawyer's Assistant: What steps have you taken so far?

2505 Anthem Village Drive, Henderson, NV 89052 The lady I always talk to is called Mary Jane. I don't even know if this is the correct address. I will look up the contract they sent me in the mail, and see what it says.

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

O.k. here is the address I received my contract from. Future Income, 500 Stephenson Hwy., Suite 200, Troy, MI 48083.

Show More
Show Less
Ask Your Own Legal Question
Answered in 7 minutes by:
3/16/2018
Law Educator, Esq.
Category: Legal
Satisfied Customers: 123,240
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Verified

Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

Under NV law, NV RS 604A, payday loans may not exceed 25 percent of the borrower’s expected gross monthly income. Also the law says the borrower has the right to pay a loan in full or in part at any time without any additional charge or fee before the date the final payment or extension is due.

So, if you pay them off in full for the balance, you would not have to make monthly payments. The fact they are in MI and not in NV is irrelevant, they made the loan in NV and as such you are protected by the NV law. Tell them if they do not allow you to pay it off in full immediately (get your money together, you need to get away from this company) you will be filing a complaint against them with the NV attorney general and pursuing them in court for predatory lending and unfair and deceptive practices and you will seek damages including attorney's fees as provided in the law.

If they refuse, file your complaint and get a local consumer attorney to file suit against them for damages.

Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page, as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

Law Educator, Esq.
Category: Legal
Satisfied Customers: 123,240
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Verified
Law Educator, Esq. and 87 other Legal Specialists are ready to help you
Ask your own question now
Was this answer helpful?
Ask Law Educator, Esq. Your Own Question
Law Educator, Esq.
Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Legal
Satisfied Customers: 123,240
123,240 Satisfied Customers
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Law Educator, Esq. 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

123,240 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
I loaned a person money with a contract stating that if it
I loaned a person money with a contract stating that if it was not fully paid for in october the boat mentioned in the contract will be mine and i have the title for said boat … read more
LegalGems
LegalGems
Juris Doctorate
11,586 satisfied customers
A former employee signed a contract with a cleaning company.
A former employee signed a contract with a cleaning company. They are not performing to our satisfaction and we are terminating then. … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,079 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
20,727 satisfied customers
Loan depot messed up refinance loan was told loan was
loan depot messed up refinance loan was told loan was approved closure statement was signed closing date was set lady called got direction to home to sign papers loan officer told me to cancel payment… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,687 satisfied customers
As a Temporary employee (13 week contract, plus two
As a Temporary employee (13 week contract, plus two extensions), my question is the contract. The contract says that callback pay is 1.5 wage for 2 hours when called in to work. My agency paid 1 hour … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,079 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
7,687 satisfied customers
I entered a signed contract for payment with a Loan Company
I entered a signed contract for payment with a Loan Company after the loan had matured and a balance remained. I have paid the amount before the due date for 3 months as agreed. This company has repor… read more
LegalKnowledge
LegalKnowledge
Juris Doctor
29,349 satisfied customers
I want to know if I believe the attorney general office for
Good morning, I want to know if I believe the attorney general office for the state of Tennessee is violating the law who do I contact for investigation and reporting purposes. Situation a state worke… read more
Michael J, Esq.
Michael J, Esq.
Solo Practicioner
Doctoral Degree
3 satisfied customers
I loaned $1000 to an ex employee. I have a signed promissory
I loaned $1000 to an ex employee. I have a signed promissory note, and a $300 check that was returned for NSF. I have contacted the employee, but they will not respond so I am going to have to take th… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
A pay day loan business had a employee take a false loan
a pay day loan business had a employee take a false loan under my name … read more
DrakeLAW
DrakeLAW
Juris Doctorate
1,037 satisfied customers
ONE YEAR CONTRACT AS EMPLOYEE WORK FOR CONTRACTS THAT ARE
ONE YEAR CONTRACT AS EMPLOYEE WORK FOR CONTRACTS THAT ARE SIGNED FOR YEARLY IN KENYA … read more
Law Educator, Esq.
Law Educator, Esq.
Attorney
123,240 satisfied customers
I am a contract employee at a nursing facility. I provide
I am a contract employee at a nursing facility. I provide hair care for residents. Is there a time frame from which i should be paid for my services? I have yet to be paid for work performed in Decemb… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,079 satisfied customers
I have signed a contract employee agreement that contains
I have signed a contract employee agreement that contains Non-Complete covenants. I need help understanding the limits of these covenants and whether or not a business venture I am considering may be … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,820 satisfied customers
I'm a contract employee but on the website as sales
Hi Pearl I'm a contract employee but on the website as sales director, and am supposed to participate in meetings. Can I refuse the meetings if I'm a contract worker? … read more
Damien Bosco
Damien Bosco
4,144 satisfied customers
Is an employee handbook a contract in Oklahoma? I am not
I am not sure to say "at will" since I don't understand what that means; however, I was full-time. Is this something that yu are asking me to kook up in the employee handbook? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,079 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
123,240 satisfied customers
I am a 1099 contract employee living on NC. I am contracted
I am a 1099 contract employee living on NC. I am contracted with a publishing company headquartered in Chicago. There are a lot of issues with this company. However, the most recent has caused me some… read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,079 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
10,079 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