Consumer Scams Story

Story

I heard a knock on the door and opening it saw a nice looking young man with a kind voice and solid handshake. He told me that he had heard about the loss of my husband and knew that he had suffered with cancer. He asked how I was doing, (he was so kind), I invited him in. He explained that he understood how financially draining long illnesses can be on the family budget and he knew I didn't want to be a burden to my children. He told me that I could actually get all the money I needed by using my home as collateral, said he knew that my late husband wouldn't want me worrying about money.
I couldn't believe I was fooled. Maybe it was because I was so desperate, but the thought that I came so close to being homeless is devastating. I felt like an old fool. I am so glad I asked for help because I couldn't bring myself to tell the kids. The volunteer attorney got them to forgive all the prepayment penalties and the local bank gave me a new loan that I could afford (the one the nice young man offered cost $100 more a month than I received to live on!) I am so grateful for the help. I still have my home and my memories.

by: Francis

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QUESTIONS

  • I owe a debt to a creditor for medical expenses. The creditor has increased the debt by charging me a penalty for not paying on time. Is this legal? Are all late fees penalties?
  • As a 67 yr. old retiree with an income of 11,645 yearly from S.S. and a small retirement pension, are these monies subject to credit card debt collection? Other than two older vehicles, I have no assets.
  • My father was in a group home in Casa Grande and then died. It's been over 60 days and they have yet to refund his $500 security deposit. We live in Michigan and wonder if we can file a small claim but not have to be present.
  • My husband died in Nov. and I am living only on Social Security. His hospital bills are now coming in. Am I, by law, obligated to pay them???
  • Can I lose my home if I fall behind in my mortgage payments?
  • We are senior citizens. A bank is offering us a home loan that we assumed was fixed interest-the rate dropped a fraction, even-then I happened to notice an unfamiliar phrase with a tiny checked box-'demand feature'. I looked it up: the bank can demand payment, calling the loan, at any time without giving a reason. It said that some states prohibit that practice. Is Arizona one? Calling the loan could destroy us and force the property into foreclosure.
  • Can a arizona bank refuse a power of attorney to cash my boyfriends paycheck if he is in prison?
  • My total income is $15,000 annually from ss retirement. I have $12,000 in checking for which I plan to get dental repairs. I owe $40,000 on credit cards and have not made any payments since 2005. I owe $30,000 to the IRS (irs has declared me "uncollectible"). Will my credit card debt ever disappear? I have never declared bankruptcy. Should I declare bankruptcy now?
  • My husband passed away and had a credit card that was in his name only. Am I held accountable to pay that debt off? And I am confused, do creditors have six months to file a claim, after they receive the death certificate, or 6 months after you probate? Thank You!
  • My husband and i are both on Social security and we have credit card debit and can't make the payments on them, what can the credit card company do to get there money. We have got a letter to go to court for one of them, can they make us pay them?

STORIES

  • Age discrimination in the workplace. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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