Skip to main content
Ronald Ira Frederick
Avvo
Pro

Ronald Frederick’s Answers

163 total


  • Hi, I am getting emails from this agent that claims I have money from a professional source and bank to deposit money into me.

    They associate with another bank that wants fees to pay it, and supposed to want me or representative to come to Africa. This seems far fetched, and if there were money than they could show some bank deposit of some sort to prove it is real. why w...

    Ronald’s Answer

    • Selected as best answer

    Run. Do not walk. It is a scam and you will loose money.

    Ronald Frederick

    See question 
  • In the State of Ohio during a car repossession. is the creditor required to send a notice of repossession.

    in the year of 2009 my wife was diagnosed with MS. I missed a good deal of work due to the process. She also lost her job. This was a major shock to us. When we contacted Huntington bank to see if they would work with us the Columbus office said t...

    Ronald’s Answer

    Under Ohio law, a bank that makes a direct loan to an individual is required to send a notice of intent to sell repossessed property. it must be sent to the last known address and it must contain certain language for the bank to obtain a judgment unless the bank proves that all aspects of the sale were completed in a a commercially reasonable manner.

    If the bank does not comply othe bank would be required to pay statutory damages of the entire amount of finance charges plus 10% of the loan principal amount. That would be offset by the balance owed.

    In addition, the bank must also send a "notice of deficiency" that spells our specific information in a specific format. If the bank fails to send that notice in a proper manner, it may be liable for statutory damages for that failure as well.

    It is important to have the forms reviewed and to check the facts. Many banks and finance companies, which operate under even more restrictive rules, make mistakes on these notices and the manner in which they conduct their sales.

    The review of these procedures is very complicated and thus should be left to a consumer protection attorney how is very qualified in this area.

    I have handled many repossession cases and would be happy 6to review your documents at talk to you at no cost to you.

    I hope this helps.

    Ronald Frederick
    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216 502-1055

    ronf@clevelandconsumerlaw.com

    www.clevelandconsumerlaw.com

    See question 
  • I live in ohio was wondering how long a bank has to come after u or sue u for

    being sued by a bank that has not contacted me since 2007 for a car that I let go back to them since then. was wondering what the staue of limitations was?

    Ronald’s Answer

    In Ohio, this is potentially a very complicated question.

    1. If the contract you signed lists a car dealer as the creditor, the statute of limitations is 4 years.

    2. If there was a direct loan with a bank, they could have as much as 15 years to go after you since the contract was signed and the loan defaulted prior to the change in Ohio law that took the statute of limitations from 15 years down to 8.

    If you wind up being sued to, it is very important that you contact an attorney to assert the statute of limitations defense and potentially a counterclaim for failure to comply with the notice requirements under law. Even if they sue out of the statute limitations, if you do not raise that as a defense, a judgment may still be entered against you.

    If you have any questions, please feel free to get in touch with me.

    Ronald Frederick

    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216-502-1055

    Fax 216 566 9400

    RonF@Clevelandconsumerlaw.com

    See question 
  • Do i need an attorney ? Can I sue for damages

    I received a call from a ADR attorney office . About a past due payday loan harassing me and telling me that i could face possible jail time and i would go down if I don't make a payment .. In three days. He also said that i would be charged with ...

    Ronald’s Answer

    No you can not be arrested for failing to pay a payday loan. The fact that they are threatening is problematic for them. Depending upon who is making the calls, they may be violating the Fair Debt Collection Practices Act (FDCPA). They may also be violating various other laws including fraud, invasion of privacy or intrusion into seclusion.

    It is hard to say what exact remedies there are based upon your brief fact set without examining the documents and notes related to the calls etc.

    Please feel free to get in touch with me at:

    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216 502-1055

    ronf@clevelandconsumerlaw.com

    See question 
  • I bought a brand new jeep. had it for 4 days the transmission went out in it. do i have a lemon?

    bought a brand new jeep on feb 15th. had it for 4 days and the transmission went out and its been there since feb 20th. the dealership is saying they don't know where the new transmission is and I've spoken to jeep corporate 2 times and the last t...

    Ronald’s Answer

    I agree. The best thing to do is be patient. So far, your car has been out of service for 20 days. 30 days is the magic number. I would advise you to wait until they call you. If it is beyond the 30 days you should get in touch with a consumer protection lawyer. If she is able to fix the vehicle before the 30 days is up just remember that if the vehicle is out of service 30 or more days in the first year of ownership or 18,000 miles whichever comes first, you may make claim under the Ohio lemon Law. Likewise, if the vehicle has 8 or more defects or has been in for service 3 or more times for the same defect or nonconformity it is also considered a lemon. Lastly, if the vehicle has a defect that is a significant safety risk, the manufacturer must repair it properly the first time. If it reappears or reoccurs, then the vehicle would be a lemon.

    Keep meticulous records. Don't be afraid to advise the dealership when there is a problem with the vehicle.

    Feel free to get in touch with me or any other Ohio Lemon Law Lawyer.

    Ronald Frederick
    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216-502-1055

    ronf@clevelandconsumerlaw.com

    www.clevelandconsumerlaw.com

    See question 
  • I took out a payday loan in 11/2006 for $760. I live in Ohio. Can the company still collect? Can they threaten jail time?

    Just within the last week, I received multiple calls and messages threatening to appear at my work/home. They have also left detailed info on my vxm and they had no way of knowing for sure they had reached the right party.

    Ronald’s Answer

    The statute of limitations in Ohio for payday loans is either 15 years or 8 years. Either way, they would be within the statute of limitations.

    They can only collect if you pay them voluntarily or if they obtain a judgment. They can only obtain a judgment if they sue you.

    No you can not be arrested for failing to pay a payday loan. The fact that they are threatening is problematic for them. Depending upon who is making the calls, they may be violating the Fair Debt Collection Practices Act (FDCPA). They may also be violating various other laws including fraud, invasion of privacy or intrusion into seclusion.

    Of course there may be other remedies regarding the payday loan companies depending upon if they sue you. Generally, rather almost exclusively they have binding arbitration clauses which are evil and limit your right to go to court. However, there are still certain ways to get around them, albeit very limited. Having said that, I am pursuing one payday loan company in arbitration and have two other law suits (soon to be three) going right now in court although one now seeks to compel arbitration as well.

    It is hard to say what exact remedies there are based upon your brief fact set without examining the documents and notes related to the calls etc.

    Please feel free to get in touch with me at:

    Ronald Frederick
    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216 502-1055

    ronf@clevelandconsumerlaw.com

    See question 
  • I applied for a job on craig's list and I was contacted by a guy who said he was looking for an office assistant and he would

    pay 300 a week. He sent me a check via priority maid for 1880 and asked me to deposit the check in my account and I could keep 300 and send the rest to his secretary. I am very suspicious because no one is going to give you 300 for doing nothing...

    Ronald’s Answer

    I agree with the other attorneys who answered your question. In addition, I would contact the Secret Service as it investigates bank fraud. You may be able to help many others from getting scammed.

    Ronald Frederick
    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216 502-1055

    ronf@clevelandconsumerlaw.com

    www.clevelandconsumerlaw.com

    See question 
  • Offered payment of $30.00/mo 2 weeks of phone tag and req. if he didn't agree to let me know- no resp. 5 mo later sueing me

    waited 12 days before sending in first payment due to no response from attorney and believing acceptable arrangement. no communication from him in all those months. now he is suing me in civil court. will not make any arrangement with me- wants 12...

    Ronald’s Answer

    Your question raises many additional questions.

    How much is the amount of debt? How much money did you pay based upon this arrangement? Does the amount that this attorney is seeking to reflect the payments you made?

    If the lawsuit does not reflect the payments made, there may be a violation of the Fair Debt Collection Practices Act and you may be able to assert a counterclaim or a claim against the attorney and receive either credit and/or money in your pocket. In addition, you may also be able to have your attorneys fees paid by the debt collector.

    You also did not state anything about that type of debt. Often, you may have defenses to a lawsuit that is filed. Before you consider bankruptcy and I only suggest that as a very last resort it would be prudent of you to check with a local attorney who has experience defending collection lawsuits.

    Please feel free to contact me if you so choose.

    Ronald Frederick
    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    RonF@ClevelandConsumerLaw.com

    216-502-1055
    fax 216-566-9400

    Www.ClevelandConsumerLaw.com

    See question 
  • Can i get arrested for not paying back a payday loan?

    Got a call from defective saying that i have two warrants out for arrests for not paying back two payday loans and then the attorney got on the also. Is this possible?

    Ronald’s Answer

    No you can not be arrested for failing to pay a payday loan. The fact that they are threatening is problematic for them. You may not be arrested since at the time you took out the loan, any payment was to be made not to obtain goods or services, but to pay on a pre existing debt. Also, at the time you took out the loan, the payday lender knew that you did not currently have the money to make the payment in light of the fact that they had you give them a post dated check or future preauthorized payment.

    Depending upon who is making the calls, they may be violating the Fair Debt Collection Practices Act (FDCPA). They may also be violating various other laws including fraud, invasion of privacy or intrusion into seclusion.

    Of course there may be other remedies regarding the payday loan companies depending upon if they sue you. Generally, rather almost exclusively they have binding arbitration clauses which are evil and limit your right to go to court. However, there are still certain ways to get around them, albeit very limited. Having said that, I am pursuing one payday loan company in arbitration and have two other law suits (soon to be three) going right now in court although one now seeks to compel arbitration as well.

    It is hard to say what exact remedies there are based upon your brief fact set without examining the documents and notes related to the calls etc.

    Please feel free to get in touch with me at:

    Frederick & Berler, LLC
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216 502-1055

    ronf@clevelandconsumerlaw.com

    See question 
  • I just put $3000.00 down on a car (CHRYSLER 300) three weeks ago still have 30 day tags and the Engine blew car lot is not

    should they have to fix or give my money back.. I still have 30 day tags and I just brought the car 2wks ago put 3000.00 dollars down 0n a 12000.00 car

    Ronald’s Answer

    You may be able to make a claim. However, it is virtually impossible to answer your question here since there is so little information. Often, car dealers do not comply with the Ohio Consumer Sales Practices Act and the remedies for failure to comply with that statute is the possibility that the customer may get all of their money back or 3 times actual damages and have their attorney get paid.

    Every state in the country has a consumer fraud statute that may give protections in car purchases but Ohio's has very specific rules relating to cars sales as well as incorporating other state and federal laws into it.

    The most important thing to know is that you may have remedies but it is impossible to determine what those remedies may be at this time without having a competent consumer protection attorney looked at the documents. Documents in a consumer fraud case are like a roadmap for a family going on a driving trip. Without the documents, one may eventually get where they are trying to travel but they may get lost along the way and perhaps never even arrive there.

    I would be happy to look at your documents to determine whether you may possibly have a claim. Please feel free to get in touch with me.

    Ronald Frederick
    1370 Ontario St., Suite 1240
    Cleveland, OH 44113

    216-502-1055

    ronf@clevelandconsumerlaw.com

    www.ClevelandConsumerLaw.com

    See question