Wisconsin Consumer Legal Questions

I recommend getting an independent mechanic to look at the car too. Was the problem one that the dealer knew about before selling you the car. If so, then the dealer should have disclosed the problem to you, and its failure to do so could be fraud. Fraud in the sale of the car gives rise to certain claim and rights that you have. If it appears that the dealer committed fraud, then you may want to talk to an attorney in your area that handles auto fraud type matters. I have more information about auto fraud matters on our website at www.celcwi.com that you may find helpful.... Read More

You should be able to get you money back from the dealer. You may have claims under the Wisconsin Consumer Act and warranty laws that protect you as there is an unspoken warranty that the dealer has good title when it sells you the a product. If the product is a stolen item, then the dealer does not have good title. You can approach the dealer directly and ask for your money back and return the gun. You may want to talk to the local police department about he gun. I do not recommend threatening the dealer with going to the police unless the dealer refunds your purchase money, as that may be seen as extortion that will only get you into trouble. If you want to talk to the police, just go the the police even before you approach the dealer. Then go to the dealer and advise him or her that you have verified that the gun was stolen in conversations with the police and ask for your money back. I'm not sure what the police will do regarding the gun, whether they would take it from you. That may be a risk that you run. But you probably do not want to be in possession of stolen firearm regardless.... Read More

The creditor is apparently writing the amounts of your payments As a charge off or bad debt for tax purposes. This lets the creditor take a loss on its income tax. If they in fact write off the debt, then the tax laws do permit the bank to issue a Form 1099 reflecting A loss matter, which in turn means a gain to you, in theory, as the tax laws sees this as an economic benefit to you. All this may not seem like a benefit to you, as the creditor is causing you an adverse tax consequence, but the tax law does permit it.   Another consequence from this though may be that the creditor should not make further efforts to collect these late payments from you, as it has already taken the loss,received a tax benefit and caused you a detriment. This is only a legal theory, and I have not seen it approved by any court.   Even if the creditor stopped collection efforts, it is uncertain what impact this would have on any right to foreclose the properTy securing the loan. Perhaps it only affects the ability of the creditor to collect on a deficiency between the sale of the property upon foreclosure and the balance of the loan, at least for the amount at issue here with the charge-off.   Bottom line, really, is that you probably should talk to a lawyer that can counsel you about the debt, any other obligations you may have trouble meeting and look at any programs grams that may help you modify the loan and possibly avoid a foreclosure.... Read More

It sounds like you have made contact with a helper,so that's good news. It also sounds like they're still not giving you your due, so I recommend that you move up the chain of command and go straight to the president, You might wish to give the helper one more chance to get it right before doing so. Write a letter specifying the fees due to you and why. Be concise and respectful. Give a reasonable deadline by which you would like a response. I suggest that you send a copy of your letter to the Consumer Financial Protection Bureau, the FDIC, the Board of Governors of the Federal Reserve and your state banking department.Or you might want to do that only if you do not receive a satisfactory response. If that doesn't happen, you can consider a small claims action, and of course, you can move your money and cease being their customer. Best of luck in resolving this matter.... Read More

The standard for truth in advertising is the "take away" a person without a large degree of intellect or sophistication would have from such a statement.  No person who is able to read those words and understand that there is even a question can actually believe that they can name any price for a product.  The suggestion that this is "false advertising" is silly.... Read More