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

  • 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 am sending this for my mother. My dad left her his retirement to her but nothing else. She has about $25,000 in credit card debt (they bought a vehicle using a credit card with a 2% interest)and has an income of about $4,277 including retirement, veterans benefits and ss. Everything was fine until ill health made it impossible for her to live alone. She sold her mobile home, put the $$ in savings and moved into a senior apartment. She has recently moved into a more expensive assisted care living. Her income is enough to pay her rent but we still have to pay her $600 a month credit cards bills that my dad left her with. She only has about $1,100 in saving so either she files for bankrupcy or she just doesn't pay her credits cards anymore. She does use her credit cards so bad credit will not hurt her. I am sure that her current living location will not kick her out as long as she is paying her rent. What will happen if she doesn't pay her credit card bills anymore?
  • Our income is social security only. Is it safe from garnisement? I am currently paying 228 per month on a credit card settlement arrangement, and I can no longer afford it since I can no longer work. My health has failed. Please advise. Thank you.
  • My father has become unable to live independently. He has no estate, nothing of value-only his 1440 SS monthly income. He has 7000$ in credit card debt as well as 4000$ in medical bills. I am looking into placing him in an assisted living or nursing home as it's too difficult for us as a family. My question is -how do I absolve his debt? Chase calls MY home phone daily-despite my discussing the situation with them, as well as the medical bill.
  • A judgment has been issued on me for an unpaid credit card balance of $1320.00. Can the lawyers handling this force the sale of my possessions. I live solely on Widow's Pension of $1040 per month.
  • I am 80 years old and I have to move, but the rental costs are so high (I have applied to HUD 2 yrs ago but nothing available) I can hardly buy food, and I don't get food stamps in Florida My question is If I just walk away from these debts what can the creditors do to me. I don't own anything but an old car.
  • 2014 we lease a car for 36 months st $ 229.00 a month gave our our 2004 mint condition as down payment supposedly % 5000.00 we need a larger vehicle we were moving so went to see what they could do.The.dealer paid off the Camry but added it to the truck,our payments now $579.91for 84 months.what the salesman didn't tell us that they wrapped amount of the Camry to the truck payment, so we are paying for 2 cars and they kept the car .We only have one vehicle. Is that legal? What they did? We pay $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.
  • If I am receiving Social Security income, can my creditors get a hold of it?
  • I received a letter from DMV requesting I pay $500.00 for abandonment fee I am 62 yrs old and I am on SSI I let a friend drive my vehicle he was stopped and was not aware he had a suspended license. So they imounded my vehicle and requested about $300.00 for impounds and storage I did not have the money I am on a fixed income I ended up loosing my truck and now they DMV to pay $500.00 for abandonment fee I could lose my license if I dont pay it Could you help me I heard their is some type of waiver I could get if I am low income and go to court
  • Regarding Bankruptcy: How long does it take to file, can you see a lawyer one day and file the next? Do your credit cards need to be delinquent to file BK or can they be current? Can they take my 401K if I file BK? How long will BK put off a Trustee sale? If your mortgage is delinquent can you still file BK to try to put off the trustee sale? If you have 2 accounts with one credit company like Discover and one is joint with someone else and one is only in your name, can you just file BK on the one in your name only without them going after the other card with joint owner? Thank you

STORIES

  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • Age discrimination in the workplace. . .

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