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 made a huge mistake by cosigning on a car loan for a girlfriend back on 09/15/08. She only made 9 payments on the vehicle then let it go back to the bank. It’s been almost 6-1/2 years since she made her last payment and now they’re coming after me, after all these years have gone by. I was told that Arizona Statute of Limitations A.R.S. § 47-2725 is four (4) years for auto loans. But their attorney is ignoring that and coming after me regardless. It's now October 2015 and they are coming after me for the loan amount + interest totaling $13,000 altogether. I'm retired and living solely on Social Security of $1,776 per month and two small pensions totaling $624 which = $2,400 per month. And I'm living with my daughter to make ends meet. Therefore I can't afford to pay theses people. I had an initial pre-trial conference on 10/8/15 and represented myself because I can’t afford an attorney. It was determined that there will be a trial on 12/14/15. I told the loan company in court “that I have no money and living on $2,400 per month and living with my daughter to make ends meet, and they’re still pursuing the trial date. My questions are: 1) Will the Arizona Statute of Limitations A.R.S. § 47-2725 four (4) years get me out of this mess completely? 2) I've been told and read online that Social Security income and Pensions “cannot be garnished”. Do you know if this is true? If it's true then I have nothing to worry about and won't need to file bankruptcy. 3) If I lose my case can I file bankruptcy on a judgement that's been awarded against me? 4) Can they levy / garnish my checking account where my Social Security checks and Pension checks are electronically deposited? Thank You for your help.
  • In az does the lender need to notify the deptor in writing when and where the auction is to be held before the sale of the vehical
  • In 2001 I co-signed with my daughter to purchase a single-wide mobile home. She lived in the mobile home for 13yrs. It's financed with XXXX located in Tennessee, and there's still a balance of $16,000. My daughter had to move out due to her family increasing and the need for more room. I'm a retired senior citizen and do not have the money to pay for it. What can I do to keep it from being on my credit report?
  • I owe $35,000.00 on a 2000 motorhome I can't make payments anymore as I don't have the means. I tried to surrender it, but was told to try to sell it myself, I have a buyer, willing to pay $20,000 for it.But I need the title for it before the buyer gives me the money. the creditor is not willing to send me the title yet. what can I do? this is better for the creditor, because they don't have to come get it themselves.
  • I get my social security check on acard and put my bill money in my checking account and i got sick and can't make payments on my credits cardscan they get my bill money out of my checking account
  • I have been sued for 1200.00 dollars for out of pocket expenses for medical bills by my neighbor how attack me and than lied in court ant the what ever she was believed her in stead of me and I did not do. Can they take my car? I am Social Security. All I have is my car that I still owe on. I go back and forth to the doctor and school for my AA. If they take my car I can not make it. I am below poverty level . not even 1,000.00 a month. Do I need to file for exemptions on my car and which one should I use. Do I have to file bankruptcy to file for exemptions? Or am I ok? Please help I have only a little time left I want to file an appeal & reconciliation.
  • Mt mother is in an assisted living home. Her retirement income and social security combined barely cover those costs. If she defaults on her mortgage can her retirement income be garnished?
  • 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.
  • I am on permanent disability. I own a 2009 car (my only car) and owe back taxes. I am single. Can IRS seize my car or my disability income?
  • I 'm no longer working and receiving social security I am on a fixed income. I owe the IRS money around $3900.00 I can no longer pay what are my options.

STORIES

  • 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. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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