TransUnion provides a service for organizations to look up information about existing customers. Unfortunately, this service can also be used to look up thousands of random individuals, and some companies may even TransUnion's services to create a cold-calling list. However, the use of this... View More 
answered on Oct 16, 2017
if consumer credit reports are being pulled from Credit Reporting Agencies and used for cold calling customers by phone, that would be a willful violation of the Fair Credit Reporting Act. Their is a statutory damage provision for damages up to one thousand per person. Whistelblowers have rights... View More
Just found out, AFTER purchasing the home that a dealership is scheduled to tear down homes around mine. This will bring the value of my home down tremendously, and it was not disclosed prior to me purchasing the home.
answered on Aug 2, 2017
Unfortunately for you, no. Although, sellers will typically provide a "seller's disclosures" they are not legally obligated to do so. If they did provide a "seller's disclosures" and proactively said that they were not aware of any major changes to the neighborhood... View More
answered on Aug 1, 2017
I can only assume that you are talking about debt collection. If that is the case, then here is some information, section 806(3) of the Fair debt collection practices act states:
3. Multiple contacts with consumer. A debt collector may not engage in repeated personal contacts with a... View More
I paid $1000 for a diamond wedding ring from Zales. We were in a desperate situation and needed cash fast. We looked into Pawning the ring but they said it was only worth $100 and that they could only sell it for $300 at most. They told us we were lied to about the value from where it was... View More
answered on Jun 30, 2017
Hi,
First off, let me say I am sorry for the situation. This can be extremely frustrating especially if there is sentimental value attached to the item.
I am assuming you sold the ring rather than pawned it (you got a loan from them using the ring as collateral). If that is the... View More
had a payment date of 3-1 and on the finalization checklist it was also handwritten as 3-1. However, it also stated the first payment would be due on 2-1-2017 which neither of noticed. On 1-30-2017 Check n go called and stated that manager was new and she made and error on the date. She also... View More
answered on Apr 28, 2017
It sounds like you have a strong case for whatever damages you suffered because of their premature debiting of your account. This could be as little as insufficient funds fees from your bank, filing fees for the law-suit, and attorney's fees if any.
Ambiguities in a contract are... View More
answered on Mar 5, 2017
You can, it just depends on whether the bank finds out and demands that there be a refinance or assumption of the mortgage. I have seen where the mortgage company did nothing for years because the house payment continued to be made.
The vehicle was purchased on 2/21/2016 I signed a contract detailing an auto loan between 19-21% I belive they are sending me an amended agreement. If the terms are no longer agreeable what are my options?
answered on Mar 16, 2016
They would still be bound to the other terms of the first agreement if you don't agree to the new amendment.
answered on Feb 16, 2016
The lease agreement should be reviewed.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is impossible to evaluate a legal problem... View More
I recently signed a contract for a gym. But after being emailed the copy I noticed that he had written stuff that was not previously in the contract including date I would be billed. I was told I had 30 days no payment no cancellation fee. Then if after 30 days I wanted to continue I would be... View More
answered on Jan 8, 2016
Do you have the original contract or the one they just e-mailed you? If you don't have an original, you could probably still prove that he added an amendment with your authorization if you didn't initial the amended portion.
Imagine a company is selling calendars. But calendars that have a weekly giveaway. So if you buy the calendar, you are entered each week into a randomly selected giveaway for the prize. Basically you pay $25 dollars for a calendar and that enters you to win a giveaway/raffle each week for a prize.... View More
answered on Oct 24, 2015
This is not a basic question. The test for that is primarily whether it would require research on an attorney's part. It will require a lot of time on an attorney's part in my opinion, and what you need is specifically tailored legal advice about this.
answered on Nov 29, 2010
From TeachMeFinance.com:
Open Account -- Credit extended that is not supported by a note, mortgage, or other formal written evidence of indebtedness.
historic definition...
Open account -- Same as running account, although the term open account is usually employed. In trade... View More
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