A charge reading “JWS Bill Luxembourg” on your bank statement is almost always a recurring monthly membership fee from JustAnswer, the online service that connects people with lawyers, doctors, mechanics, and other professionals. “JWS” is the billing tag tied to JustAnswer, and “Luxembourg” refers to the location of the payment processor that routed the transaction, not the location of the company itself. If you only meant to pay a small one-time fee to ask a question, you were likely enrolled in a subscription at the same time.
How You Ended Up Subscribed
The typical path is simple. You searched for help with a question, landed on JustAnswer, and paid what looked like a one-time fee of $1 or $5 to talk to an expert. According to the Federal Trade Commission, that small payment also enrolled you in a monthly subscription, and the full subscription fee, ranging from $28 to $125 per month, was charged right away alongside the join fee.1Federal Trade Commission. Federal Trade Commission v. JustAnswer LLC Complaint The charges then continue every month until you cancel.
The billing descriptor may also appear in variations such as “JWS*JUSTANSWER” depending on your bank’s formatting.
Cancel the Subscription First
Stopping future charges is the first step, because a bank dispute won’t automatically end the subscription. Log into your JustAnswer account on the website, open Account Settings, select the Membership tab, and follow the cancellation prompts through to a final confirmation screen. Take a screenshot of that confirmation and keep it.
If you signed up in the mobile app, open the app, tap Account at the bottom right, choose Manage Membership, then Cancel Membership, and confirm. You can also cancel by phone at 888-587-8220, which JustAnswer operates around the clock.
One trap catches people who paid through a third party. If your original payment ran through PayPal, Apple, or Google Play, canceling on JustAnswer’s own site may not shut off the billing. Open your PayPal recurring payments, your Apple subscriptions, or your Google Play subscriptions, and cancel the JustAnswer entry there as well.
Ask JustAnswer for a Refund
Set expectations before you start: many consumers report difficulty getting refunds directly from JustAnswer, which is part of why the FTC brought its case. Try the direct route anyway, because banks and card networks generally want to see that you first tried to resolve the issue with the merchant.
Have the transaction date and dollar amount from your bank statement ready, along with the email address you used to sign up. If you kept the welcome or confirmation email, the reference number in it helps. Contact JustAnswer through the help center on their website or call 888-587-8220 and be specific about which charges you’re disputing and why.
Dispute a Credit Card Charge
If the charge went to a credit card and JustAnswer won’t refund you, federal law gives you a defined path. Under the Fair Credit Billing Act, you have the right to dispute billing errors with your card issuer, but you must send written notice within 60 days of the statement that first showed the disputed charge. The notice must include your name and account number, the amount you believe is wrong, and your reason for believing it’s an error.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
That 60-day deadline is firm, and it is where most people lose their rights. If you have been paying for months without noticing, you can typically only dispute charges that fell within your current 60-day window. Once you file, the card issuer has two billing cycles, and no more than 90 days, to investigate and either correct the error or explain why the charge is valid. During the investigation, the issuer can’t try to collect the disputed amount or report it as delinquent. If an error is found, the issuer must correct your account and credit any finance charges tied to the wrong amount.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
Dispute a Debit Card Charge
Debit card protections are tighter, and your exposure depends on how fast you act. Under the Electronic Fund Transfer Act, if you notify your bank within two business days of learning about an unauthorized charge, your maximum loss is $50. Report after two business days but within 60 days of the statement date, and your exposure rises to $500. Miss the 60-day window entirely, and you can be liable for the full amount of any unauthorized transfers that occurred after that window closed.3Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
After you report the error, your bank generally has 10 business days to investigate and resolve it. The bank can extend the investigation to 45 days, but it must provisionally credit your account within the first 10 business days so you have access to the disputed funds while it looks into the charge.4Office of the Law Revision Counsel. 15 USC 1693f – Error Resolution
Chargebacks Through Visa and Mastercard
Card network rules give you another route on top of the federal statutes. Visa and Mastercard generally allow cardholders up to 120 days from the transaction date to file a chargeback for issues like canceled recurring billing, whether the card is credit or debit.
To open a chargeback, call the number on the back of your card or start the dispute in your bank’s app or website. Say you want to dispute a recurring charge, mention that you canceled the subscription if you did, and explain that the merchant continued billing you. Your cancellation confirmation screenshot makes this call go faster. The bank handles contact with JustAnswer’s payment processor from there.
Deadlines That Matter
Waiting is the single biggest mistake with unwanted subscription charges. The time limits that apply:
- Credit card billing errors: 60 days from the statement date to send written notice to your card issuer.2Office of the Law Revision Counsel. 15 USC 1666 – Correction of Billing Errors
- Debit card, best protection: two business days after you learn of the unauthorized charge to cap your loss at $50.3Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
- Debit card, reduced protection: 60 days from the statement date to cap your loss at $500.3Office of the Law Revision Counsel. 15 USC 1693g – Consumer Liability
- Card network chargebacks: generally 120 days from the transaction date under Visa and Mastercard rules.
The FTC Case and Where to Report Your Experience
In January 2026, the FTC sued JustAnswer LLC and its CEO in the U.S. District Court for the Northern District of California, alleging the company falsely advertised access to expert advice for $1 or $5 and then immediately enrolled consumers in subscriptions costing far more. The agency is seeking refunds for affected consumers.5Federal Trade Commission. FTC Sues JustAnswer for Deceiving Consumers into Enrolling in a Costly Recurring Monthly Subscription
The case is still pending as of early 2026, and there is no active refund program yet. If you want to add your experience to the record, report it at ReportFraud.ftc.gov or call the FTC Consumer Response Center at 877-382-4357. The FTC will never demand money, threaten you, or promise a prize in connection with this case. Anyone contacting you claiming otherwise is running a scam.5Federal Trade Commission. FTC Sues JustAnswer for Deceiving Consumers into Enrolling in a Costly Recurring Monthly Subscription
If you just spotted the charge today, the order of operations is straightforward: cancel the membership on JustAnswer (and on PayPal, Apple, or Google Play if that’s how you paid), request a refund from the company, and then contact your bank to dispute the charge before your deadline runs out.