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 have 13000 in credit card debt. I'm living on my social security which is 1281.00 a month. My rent is 560.00 amonth. I can't make payments on this debt. Can you tell me what I can do. What would happen if I just don't pay it
  • I just received a bill for wastewater services for 15 years in the amount of $5000. This is the first bill I have ever received. They sent a letter that they have waived late fees and penalties. What should I do?
  • My father in law had a stroke in April of 2013 and has been unable to pay his credit card debts including a home equity line of credit through State Farm. He owns a home here here in Phx but has since been relocated to be with other family members in Napa, Ca. in a group home. He receives his usual SS benefits and a small pension of $120 per month, he is also getting his aid and attendance from the V.A. The problem is this, all of his benefits go to his care and he is unable to pay his credit card debts. Since he is no longer living here we are paying his house payment along with the State Farm home equity line of credit since that is like a second mortgage I believe. My question is how do we keep the house in the family and eliminate his credit card debt? which is probably around $20,000. The house doesn't have any equity in it or if it does, it's not much. Thank You
  • My question, as we are having buyer's remorse what are the consequences for us if we don't give the $8,000.00 and do not take possession of the vehicle?
  • I AM 80 YEARS OLD CAN A CREDIT CARD COMPANY TAKE MY SOCIAL SECURITY IF I AM UNABLE TO PAY THE DEBT I HAVE NO OTHER INCOME
  • My mothers health has drastically changed and she only lives on social security, a very small disability bi-weekly stipend and has medicare. While my mother has been accepted for medicaid as a secondary insurance, she will have to contribute monthly of $406 so that she will be able to have full time home health care (vs only part time with medicare). This expense will make it impossible to help her pay her credit card debts off. My mother needs to contribute to medicaid but then won't have enough to pay off her debts. What are options as far as her credit cards? Should I close them (with her on the phone) and let them know that she is unable to pay so we'd need a settlement price? Or just walk away? I am unsure of her options as my original plan was to help her pay them off one by one.
  • Iam a 82 year old widow living on my husbands retirement and ss . My house is paid of , but I pay a small common fee . I recently took out a 130000 loan against my house to help my Granddaughter build a new house . She is now going through a divorce and is not paying me for the loan ( always two months late). The bank is threatening forclosure against my home I am living in. I was going to take a loan against my retirement to pay off the loan . The new house is in my Granddaughters name and her ex is living in it . Can I have my name put on the house and have her pay me rent without bad tax implications. I have three children that this house should be on the estate . The bank has been sending preforclosure papers against the house I live in . I am afraid I am going to lose everything . My Grandaughter refuses to sell her house snd pay me back . I dont want to hurt her . I was only trying to help . She has a new baby
  • what are the income guidelines
  • In the pass about 4 months ago I hped my niece out a couple times and paid on her Sprint account since then she has cancelled the account well since I paid on her account 4 times with my debit card Sprint has taken my money from my account since I helped her and pAid her bill 4 times took out 4000 of my money they won't help me recovery my money my bank won't help me since I helped her and pAid in the pass...i need help that was so the money we had and now nobody will help me recovery my money ..please someone any one help I never had Sprint just helped my niece out.thus is not my debit
  • I co-signed for my grandson on an auto loan. He had a great job but he had a nervous break down and was diagnosed bipolar and can't keep a steady job. He refuses to return the car so sure he's going to be able to get his life back together. It hurts so much to se him struggle. But I've done all I can do. Now they've placed a lean on my home. What can I do?

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. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .

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FIND LEGAL HELP

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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