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Lucius James Wallace

Lucius Wallace’s Answers

44 total

  • How do i stop the collection agentcy of a payday loan form calling me and coming to my job again it is six years later.

    I had someone come to my job and ask for me but they only gave there first name and nothing else about themself. i also have been reciving phone calls to. I closed my account 6 years ago because paday loan was taking money out of my account more t...

    Lucius’s Answer

    If your goal is to stop all communication, send them a written letter telling them cease and desist all further communication with you. Send it by certified mail return receipt so you have proof they received it. Keep a copy of the letter for your records.

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  • Collection agency calling about a repo car

    repoed in 2008 and calling saying they need 18000.

    Lucius’s Answer

    You should contact a consumer lawyer in GA if that is where you resided and stored the vehicle before it was repoed. You can find a consumer lawyer at www.naca.net. GA state law will govern what obligations and duties the lender owed to you as it relates to repossession, notice, sale and deficiency. If the lender failed to follow the applicable GA law you may have some relief a available to you. Generally if after your lender disposes of your vehicle there is a deficiency balance they my look to make you pay it. Just because the lender or a collection agency claims you owe doesn't necessarily mean you do.

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  • Ive been getting these calls from this india guy saying i owed 256 and i social sercurty was going to be on hold and he said he

    they would be for 3months i dont know what to do i said i could pay on 4th of next month but i cant now but that wasnt good enough

    Lucius’s Answer

    There are lots of these scams going around. Contact your Attorney General and file a complaint. Contact the Federal Trade Commission at www.FTC.gov and file a complaint.

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  • Will I get my down payment back

    I was in agreement with a dealership to purchase a car. After not hearing from them or the financing company two weeks after the deal, I called the financing company that I was told was financing me. The company had not heard of me nor did they ...

    Lucius’s Answer

    You should contact a consumer lawyer in MD. You can find a consumer lawyer at www.naca.net. Your question turns on MD state law. It could be that one of the documents you signed included a provision that proports to obligate you to pay for mileage but just because the provision exists, if it does, does not necessarily mean it is lawful under MD law. Good luck

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  • I need to know if I should do a debt reduction service.

    Select Financial Service has called me and wants to arbitrate my credit card debt of 27,000.00. They said it will take up to six months of me not paying those accounts before the willl settle with them. I have a high debt to income ratio but othe...

    Lucius’s Answer

    You need sound legal advice from a consumer lawyer which you can find a www.naca.net. A word of caution regarding "debt reduction" and "debt settlement" companies. Make sure you understand exactly what they have promised to do for you and what exactly your commitment is to them for the services. Make sure they put their promises in writing. Be sure that any agreement you enter into for their services does not contain an arbitration clause or other clause wherein you agree to waive your right to jury trial if they(debt settlement) company doesn't live up to all the promises they made to earn your $ for their services. Why would any legitimate company doing business with a consumer insert an arbitration clause trying to keep secret their activites when a dispute arises? There are many predators out their that pose as "debt settlement" companies who end up taking a lot of your $ for little or no real benefit to you. Some but not all can make your situation worse.

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  • How can I get a judgement satisfied? My wages are being garnished.

    In 2009, Discover Bank turned my account over to Seldin & Farrell (collection attorneys) to collect on my account . I paid them a total of $4300.00 and was given a receipt showing the account was paid in full. Now, three years later another debt c...

    Lucius’s Answer

    You are not alone. The problem you are experiencing is one that is experienced by many other debtors who pay in full or settle an account only to learn that the original creditor or debt buyer has reassigined the account to another debt collector. You should contact a consumer lawyer in Colorado. You can find one at www.naca.net. Our law firm represented a lady in New Mexico whom Farrell & Seldin attempted to garnish for a judgment on an account that was not hers. The case was tried before a jury in Santa Fe, NM federal court before the Honorable Bruce Black. The jury returned a verdict for actual and punitive damages against Farrell & Seldin for 1.26 Million dollars in July 2011. You can find more information at our website: www.hwh-law.com. You may have claims against both Discover Bank and Farrell & Seldin for violations of the Fair Debt Collection Practices Act and Colorado state law. Contact a consumer lawyer in Colorado.

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  • Received money for services render. 6 yrs later they want a refund for invoice they paid twice. Is there a time limit for this?

    They paid the invoice twice. They did not catch mistake, sent 1099 for that amount. Now 6 years later they want the money back. I don't know, but where I come from, if I made the mistake and discovered it 6 years later. I eat it, so to speak.

    Lucius’s Answer

    The theory of recovery would probably rest with "money had and received" which would expire on or before the 6 yr anniversary. The only claim that might survive 6 years would be fraud if it were proven the invoice for the services was fraudlently submitted a second time after the services had been paid.

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  • I have evidence I was a victim of a fraud by a fictitious company in Georgia . I lodge a complaint with a new york local police

    Whatelse I am supposed to do get my money back !

    Lucius’s Answer

    Consider filing a complaint with the GA Attorney General's office.

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  • Do I have a case against mortgage company that settled with me last year but continues to do what caused the lawsuit?

    My mortgage company misplaced payment years ago and finally agreed through attorneys to credit my account and show me current and fix my credit, but added balloon payment, which I didnt agree with but was advised by my attorney to accept. They mov...

    Lucius’s Answer

    If you can prove they refused to credit your payment you may have a case Provided the payment you are relying upon was not accounted for in the settlement you reached. You need to carefully review your settlement agreement paperwork and compare it with the proof documents you are relying upon to say the Mort. Company is not living up to their end of the deal. If they messed it up again you may have a good case.

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