Legal Question in Credit and Debt Law in Florida

I purchased an item from the door to door salesmen that came to my home. It was an item I needed but it should have waited for a later time, but I could NOT get these guys out of my home so I agreed to buy. I signed the paper work showing the agreed to sale price, (and finance charges) but was told I could pay the FULL PURCHASE PRICE in one lump some BEFORE the first payment was due and eliminate the financing. I paid the full purchase price in full one month before the payments were to start. They are still billing me for finance charges and threatening my credit. IF I have to pay the additional amount, even tho I DID NOT FINANCE the product, what is the least amount I can pay them monthly? The amount I paid was $1485.25, which supposedly was dropped from $2680.00. I am widowed and recently retired and can not afford this.


Asked on 11/28/11, 8:23 am

2 Answers from Attorneys
Sanford M. Martin Sanford M. Martin, P.A.

Based on the facts described in your inquiry, you should pay no additional amount, file a

complaint against the company with local better business agencies, contact the FL Dept of Children & Families regarding the abusive treatment, contact the local county state's attorney regarding the illegal scam tactics of the salespersons, and, with the help of a trusted friend or family person, pursue each of these matters. You may also want to contact a local legal aid agency which handles such matters. Your credit report should not be an issue, and you can also notify any of the three credit reporting agencies of the matter. You may also contact the manufacturer of the item purchased which may not be aware of such sales methods. Keep copies of all documents.

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Answered on 11/28/11, 9:13 am
Angelo Marino Angelo Marino Jr. PA

...The Federal Trade Commission Rule, 16 CFR Part 429, p. 233, effective 7 June 1974, pertains to a cooling off period for door-to-door sales.... Have a lawyer assist you.

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Answered on 11/28/11, 5:42 pm


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