Get free answers to your Consumer Law legal questions from lawyers in your area.
On August 20, 2015, I entered into an Used Car Loan with People's Driven Credit Union (PDCU) in Southfield, MI for less than a $20k loan at 2.49% via Champs Auto Sales in Detroit, MI. My down payment was $5k & for six months I made timely payments of $420 ($2,520) then PDCU Forced Placed... View More 
answered on Apr 20, 2018
If your auto loan has a provision permitting forced-placed insurance it is likely legal and enforceable. Did you let your insurance policy lapse? Or did you not carry the minimum amount of coverage called for in the contract? If so, the CU may be able to force it. I would have to read the contract... View More
In 2016 I agreed to allow someone that Coast to Coast RV and Coach matched me with to assume my trailer payments. We signed a contract and the contract states that if the buyer defaults coast to coast will repossess the trailer at their expense and try to match me with a new buyer. Now the... View More
answered on Apr 4, 2018
I suggest you contact a consumer lawyer in Michigan to review the contract you have with Coast to Coast. Your legal rights largely depend on the contractual language.
I have a debt that was turned over to a collection agency. They added over $800 for Collection Cost. What governs how much they can add and how much I should really pay them?
answered on Mar 28, 2018
Generally the original contract will govern the potential collection costs. But State and Federal law may limit the collector. I would advise you to let a consumer protection lawyer review all relevant documents before you negotiate with this debt collector.
Will they ever come take the vehicle.
answered on Mar 12, 2018
Depending on the year/make/model of the vehicle, they may or may not try to repossess it. However, keep in mind they don't have to repossess it to sue you or attempt to collect the debt. You are fortunate that it is not on your credit report. I suspect at some point a debt collector will be... View More
I purchased a home in 2006, which had 2 mortgages 80/20. The 80% lender foreclosed on the home in 2008 and I do not know what happened to the 20% lender. In October of 2017, I received a letter from a bank stating that they were the owners of the 20% mortgage and they wanted to collect a little... View More
answered on Feb 5, 2018
The 10 year SOL is calculated from the date of default. You have to figure out when your last payment was made and the run date will be 60 or 90 days after that (probably). If you don't have this information you can likely get it from the Plaintiff's lawyer.
answered on Jan 22, 2018
No. Your car payment is similar to a mortgage payment. Each payment is applied to the balance of your loan. If you miss a payment, you are in default and generally speaking, they now have the right to repossess. The law does not provide for reimbursement of any payments you made.
Is the lien valid?
answered on Jan 18, 2018
"RBL" as in a loan? Reverse based lending? Please clarify so that I can address your concern.
Or knowledge.
answered on Jan 6, 2018
I am curious as to when this happened, and who this "someone" was. I am guessing the seller modified the loan documents to get the financing approved. If you are saying your signature was forged, you may have a case and you should contact a consumer protection attorney to discuss your... View More
Husband and I bought a used car in October. Paid $800 and signed all the paperwork. Got told what bank we are financed through. Did not get a bill or registration. Called dealer multiple times and he ignored us or said he will look into it, nothing. Got a letter from supposed finance company saying... View More
answered on Dec 25, 2017
You should speak with a consumer lawyer as soon as possible. If you haven't made any payments you risk damaging your credit. (I also urge you to obtain your current credit reports - the lawyer will want to see these.
You are likely a victim of a "spot delivery". Whether you... View More
answered on Dec 21, 2017
The answer to your question depends on your goals. Are you are seeking a bankruptcy lawyer? If you are trying to negotiate the debt to eliminate a lien or judgment, that may be another kind of lawyer. If you believe that the judgment is unfair or unlawful, maybe you are looking for an FDCPA... View More
answered on Dec 19, 2017
If you didn't ask for them find out why they get to add it in if not in the writeup of the estimate, which hopefully you kept a copy of. Don't give them your copy --go in with a copy of that.
I was layed off from a job and I had to take a job for less. 1600 a month differance. I could not afford my discover card payments anymore and im on welfare now. I tried on several occasions to make payment arrangements but the refused. They could not garnish my paycheck because years ago i chose... View More
Purchased about a week ago. Mother and i are extremely upset and would like to sue if it is at all poasible
answered on Nov 16, 2017
I am sorry to hear this news. You should contact an attorney as soon as possible to provide more facts about this incident. Generally, injury to babies in Michigan lead to recovery of money damages. However, you must first prove liability and damages. Whether you can prove these elements depends... View More
Hi I was given a package by a post office worker at the actual post office counter. A USPS worker that was not addressed to me and was not in my name with out showing any sort of id. It was actually addressed to the postoffice itself to a fake alias.I was wondering if there was a proceedure law or... View More
answered on Oct 31, 2017
Not sure why you got the package. You can turn it over to the police.
I am currently the Payee Representative for my son and he has 3 delinquent accounts thru Synchrony Bank.2 of the accounts already have went into collections. Synchrony Bank will not work with me.
answered on Oct 26, 2017
You would need to have power of attorney to do that. Being a payee representative usually connotes a minor or impaired person on SSDI. If that is true, then the bills should be paid for by you. Please seek assistance with this in your jurisdiction.
had cleared from the payers account. the check I deposited was on the 28th, shows is my father's account as a debit on the 28th and the check I wrote was submitted to my bank on the 30th. they put my account on hold and didn't give me the funds, then instead of holding the check I wrote,... View More
answered on Sep 21, 2017
I suggest you get a copy of all your bank transactions from one week prior to the incident to one week after the incident. Then contact a consumer lawyer in your area and provide him/her with a detailed summary of events and a copy of the bank transactions. Essentially, more information is needed... View More
after responding to it I was sent a contract and one sister was sent one as well.We signed these separate agreements which held that he would receive 33% of any money he collected. He then proceeded to open a probate case in MI. which among other things caused us to terminate the contract. The... View More
answered on Aug 24, 2017
It sounds like the estate and this potential lawsuit are based in Michigan. Thus you need to repose this question under the Michigan ask a lawyer section as Michigan law will control as to if the court there will have jurisdiction over you.
A settlement was put on record, Judge said attorney's had 7 days to enter written order. Attorneys did nothing and judge dismissed the case completely.
Is the settlement on the record enforceable?
answered on Aug 21, 2017
You'd have to look closely at the order dismissing the case. It's possible that the settlement could be enforceable, but the case itself is dismissed. To enforce the settlement, the party would need to start a post-judgment action, and would likely need to pull a copy of the transcript to... View More
My husband and I have called several times gone to the T Mobile store several times and they keep giving us the run around. I have the receipt from UPS receiving it back. They have lied and lied and lied again. What should we do? We feel like the only way that we will get our money back is with... View More
answered on Jun 24, 2017
I suggest small claims court. It is inexpensive and you can recover your filing fee as well. The hearing is relatively informal so you do not have to know legal terminology. Remember "The People's Court" with Judge Wapner? Same concept. Bring your evidence and be ready to argue.... View More
*****I am in the process of applying for life insurance.*****
During the process, I am asked to provide fairly detailed answers to the health questions (dates, numbers of dosages taken, etc.). And, some of the answers are about things that happened 15 or 20 years ago. At the end of the... View More
answered on Jun 23, 2017
If you told them "I don't know" and they pressed you to provide an answer anyway, they are probably not to be trusted.
If you said 'I don't know exactly' and they said 'can you provide an approximate time frame' that would be appropriate.... View More
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