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 A LINE OF CREDIT LOAN AND A LOAN FROM ON LINE WILL THE COURT AGREE TO GET MONEY FROM RETIREMENT FROM VA SYSTEM AND SS
  • Can't pay Credit Card Debt? What do My wife 71 years old and I do? We don't want to loose our home.
  • 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 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!
  • I am about to be sued for an old credit card debt. I am permanently disabled and on social security only. Can my social security be garnished?
  • 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
  • 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?
  • my husband had a stroke Friday night.He will be in hospital few more days then sent to a facility for physical therapy.He managed all the finances.Is there a way to hold off creditors?I am scared.
  • 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?

STORIES

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

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FIND LEGAL HELP

  • Please select your county of residence below.

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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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