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Questions Answered by Nathan DeLadurantey
1 Answer | Asked in Consumer Law and Contracts for Wisconsin on
Q: How to handle a company that failed to complete contract and their loan company seeking payments?

Hired a company to remodel bath/tub area. They put in wrong materials, wrong (cheap) hardware, total sloppy job. We had local manager come in, he said they have to tear out and start from scratch. Then we never heard from them again. Multiple phone calls to salesman/manager/corporate HQ have gone... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on May 18, 2021

It sounds like you may have claims against the contractor - and defenses on the loan. It will be based (in part) on some additional facts and the contents of any written documents you signed. I suggest contacting a Wisconsin consumer lawyer for a free consultation to discuss your rights and options.

1 Answer | Asked in Consumer Law and Car Accidents for Wisconsin on
Q: WI Stat 779.415(1g)(a)(a) Does this mean tow is $100 max and storage $10 per day max?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Mar 1, 2021

Without more facts, it is difficult to answer your question. The statute has different application depending on the type of the vehicle, and other facts surrounding the vehicle.

1 Answer | Asked in Civil Litigation for Wisconsin on
Q: Circuit Court in Wisconsin denied me the right to offer definitions of laws and case law rulings for jury to see.

In court I tried to enter the laws standards for exigent circumstances and was told that I was asking the defendants to interpret the law/ I got this information from appeal courts rulings. I was trying to enter the standards of the laws. Can I appeal this ruling?

Nathan DeLadurantey
Nathan DeLadurantey
answered on Feb 11, 2021

It's hard to say with these facts. Parties usually only "submit" legal standards when submitted jury instructions. You can also reference them in briefs.

1 Answer | Asked in Consumer Law and Banking for Wisconsin on
Q: I'm having consumer protection issues

I filed a report with Federal Consumer Protection Bureau

Nathan DeLadurantey
Nathan DeLadurantey
answered on Mar 26, 2020

I would need more details to be able to assist you. I recommend looking for a consumer lawyer that offers free consultations and calling them up for advice.

1 Answer | Asked in Consumer Law and Collections for Wisconsin on
Q: Have a wage garnishment. The amount of judgmenta was 5,749.27. Have paid 11,297.98 to date.

Recieved a letter saying it has been closed and no further payments are to be made. Just received another letter that they are garnishing my wages for 3,620.04...is this legal?

Nathan DeLadurantey
Nathan DeLadurantey
answered on Oct 29, 2019

Gather up those letters and get them to a consumer lawyer for a free consultation. They should offer you a free consultation to review the documents and determine if you've been garnished too much money.

1 Answer | Asked in Collections for Wisconsin on
Q: I was given false information from my debt collection company and advised to drop a collection due to the other law firm

telling my attorney I was deceased. I was told I should drop them for now and we could add them in later. Now I am being garnished by this collection at a higher price then the agreed settlement amount. Do I have any stance to go after my debt assistance company?

Nathan DeLadurantey
Nathan DeLadurantey
answered on Oct 1, 2019

It is hard to say based on your question; but it certainly sounds like you may have a case. I would recommend you get a free phone consultation with a Wisconsin consumer lawyer.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Seeking advise about getting a vehicle replaced

I am writing for my daughter that lives ion Verona. She took her 2018 Hyundai Tuscon to a Chevy dealership for an oil change, as part of a benefit fund raiser. The service staff at the Chevy dealership left the oil drain plug not fully tightened resulting in it falling out and the oil draining,... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on Jun 13, 2019

She has several different potential options; and accepting their offer doesn't sound like it makes her whole. I would suggest she contact a consumer lawyer in Wisconsin. They should offer her a free consultation where they can explain her rights and options. Many of them also take cases like... View More

1 Answer | Asked in Collections for Wisconsin on
Q: what is statute of limitations on credit card debt. Last used 2010. Wanting payment in full 2018

Was sent to prison 2010. Wife ran card up to over $6000 without my consent. Now in 2018 credit card company is demanding payment in full. No judgment in past and haven’t heard about it until last 6 months

Nathan DeLadurantey
Nathan DeLadurantey
answered on Oct 16, 2018

It's 6 years from the time of default. However, you may be liable for the debt incurred by your wife. Call a consumer lawyer in Wisconsin and get a free consultation.

1 Answer | Asked in Civil Litigation for Wisconsin on
Q: How do I get a satisfaction letter from a plaintiff that is no longer in business???

Small Claims case from 2001 - Claim was reopened in 2010 and filed only. Talked to other party on claim and he was garnished his full amount. According to clerk of courts, we need a satisfaction letter from the plaintiff, but the plaintiff is no longer in business and unable to contact. How do I... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on Oct 12, 2018

You're going to need to file a motion with the court. You will need to explain (and show) how the plaintiff is no longer in business and that the judgment should be listed as satisfied. You may want to retain a lawyer to help you, as you are going to need to file a number of different... View More

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Is it possible to dispute my credit report? Something about it is wrong, there must be a mistake. What should I do?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Aug 30, 2018

You certainly have a right to dispute the incorrect information under the Fair Credit Reporting Act. The credit reporting agency (and the company putting the incorrect information on), must investigate your dispute and get back to you in 30 days. Contact a Wisconsin consumer lawyer and get a free... View More

1 Answer | Asked in Consumer Law for Wisconsin on
Q: How much time must a creditor give to a debtor to cure a default?
Nathan DeLadurantey
Nathan DeLadurantey
answered on May 22, 2018

15 days.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Any possibility of jail for making a $5000 purchase with my debit card with $25 in the account. I have overdraft protect

What if i make a $1,000,000 purchase and it lets me can i go to jail?

Nathan DeLadurantey
Nathan DeLadurantey
answered on May 22, 2018

No, you won't go to jail. Because if your card/bank authorizes the transaction, you'll then owe the bank all that money. They'll freeze your accounts and probably sue you for the money. Don't be stupid; don't do it.

1 Answer | Asked in Collections for Wisconsin on
Q: I need assistance in understanding a legal document
Nathan DeLadurantey
Nathan DeLadurantey
answered on Apr 6, 2018

Get a copy of the documents to a consumer lawyer - most of them in Wisconsin offer free consultations. They'll be happy to answer your questions.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Is it legal for a credit card company to close my account?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Mar 30, 2018

Depends on the reason they're closing it. Did they explain why?

1 Answer | Asked in Consumer Law and Small Claims for Wisconsin on
Q: What do I do If I believe my vehicle was repossessed illegally

My vehicle was recently repossessed, and I didn't receive a notice to cure debt . Now I'm told that I have to pay late fee's ,past due balance of $100, and a $299 fee in order to retrieve my vehicle.

Nathan DeLadurantey
Nathan DeLadurantey
answered on Feb 9, 2018

You may have a case for an "illegal repossession" and be entitled to get the vehicle back -- AND return of all the money you paid on the car. Contact a local consumer lawyer that specializes in repossession cases and request a free consultation.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Is it a good idea to opt out of a class action settlement notice you get in the mail?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Jan 24, 2018

You really need to talk with a lawyer about that, before making a decision. It will turn on the nature of the class and the type/strength of individual claims you have.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: please help below TIME RUNS OUT out thursday - ALL PAPERS are DUE into court BY THIS FRIDAY !! the 1st of December 2017

In a civil credit card sold debt lawsuit in a circuit court WI law my question is Defendant me filed a production of documents for proof, but the Plaintiff responded objections to each & every listed to produce THE problem IS ALL MOTIONS ARE DUE BY this FRIDAY 2 DAYS, Is there a motion or to... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on Nov 29, 2017

You need to call a consumer lawyer and get some help. They should offer you a free consultation.

1 Answer | Asked in Collections for Wisconsin on
Q: Can a WI credit card collection agency try to collect a debt from 15 years ago? No contact on at least 10 years.
Nathan DeLadurantey
Nathan DeLadurantey
answered on Nov 20, 2017

Most likely, no. That's because 6 years after default (assuming they don't have a judgment and you didn't make any partial payments) the debt can no longer be collected. Find a consumer lawyer and get a free consultation to better understand your rights.

1 Answer | Asked in Collections for Wisconsin on
Q: A hospital Bill that you get behind on, can the hospital just send it to collection agency without even notifying you.

They also are charging 5% interest per year but never notified me of that either. I suppose it's all legal but when someone is suppose to pay it and doesn't, it would have been nice to hear it directly from the hospital first.

Nathan DeLadurantey
Nathan DeLadurantey
answered on Jul 17, 2017

That's an issue of "hot debate" in the legal community these days. I would recommend talking with a lawyer in Wisconsin that handles "consumer law" issues or debt collection issues. I'm sure they'd be happy to take a look at the collection letter with you.... View More

1 Answer | Asked in Collections for Wisconsin on
Q: What funds are exempt from garnishment. unsecure credit card companies loans?

Im trying to make arrangement to lower my payment and interest rate. Im not in default or any late payments yet but will be if they wont work with me. Ive become disabled and cant make the payments much longer.

Nathan DeLadurantey
Nathan DeLadurantey
answered on Jun 29, 2017

Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128... View More

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