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Questions Answered by Nathan DeLadurantey
1 Answer | Asked in Consumer Law for Wisconsin on
Q: A company is stating they are unable to remove a late payment from my credit reporting because it is illegal. True?

They state the FCRA requires them to do so. I have been in good standing and this is a one time occurance.

Nathan DeLadurantey
Nathan DeLadurantey answered on Apr 17, 2017

I am not aware of a law that makes such an action illegal - but most companies have a policy of not doing so.

1 Answer | Asked in Consumer Law and Foreclosure for Wisconsin on
Q: Foreclose hearing set for 4/25/17. Lender has lied to us about loan mod and will not produce the note. What to do?

Last August 2016 we saw discrepancies in our payments being applied. We asked for documentation of payments applied. They lied and on multiple occasions told they were sent to us. We stopped paying, then later they added atty and late fees resulting in large fees being added. Meanwhile they lied... Read more »

Nathan DeLadurantey
Nathan DeLadurantey answered on Apr 17, 2017

These situations are very fact specific. I would recommend filing a complaint with the Attorney Generals office, as well as the Consumer Financial Protection Bureau. Otherwise, you will need to hire a lawyer ASAP to fight off the foreclosure.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: I bought a car from 199ride.com Wausau auto. They lied to the bank about my monthly income. Now the bank has backed out

Wausau auto is now demanding I return the car. The DMV says Wausau auto has to find me other financing but Wausau auto claims I lied about my income. None of my paperwork shows an income amount but they claim to have a document stating that I get $3000 a month.

What can I do?

Nathan DeLadurantey
Nathan DeLadurantey answered on Apr 17, 2017

They do have to find you financing; or service the loan at the terms offered. Locate a consumer lawyer for advice if they don't offer this to you - or worse yet, offer you worse terms from some other financing place. We call that "yo-yo" financing.

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