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

  • Hi my mom has a 2006 vehicle with nearly 30% interest and an 8k negative value. She has no assets and receives SS only. If she voluntarily returns the vehicle can they persue legal action? Make her pay the 8K?
  • 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 $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.
  • Mt mother is in an assisted living home. Her retirement income and social security combined barely cover those costs. If she defaults on her mortgage can her retirement income be garnished?
  • My father has become unable to live independently. He has no estate, nothing of value-only his 1440 SS monthly income. He has 7000$ 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.
  • Iam cosigner on car loan. diffency is 10200 I just can't afford to pay them cause all my civil services income go into bills. nothing left. whats the worst they can do to me. I do have a house worth 78000 and I owe 67000
  • I bought a car and I made a mistake on buying it and the dealer won't take it back after a week. I am disabled and Deaf and I believe I was being coerced and the payments is too high for me to handle. The cost of loan is 23,000 and payments is 361.00. The trunk is too high for me to put in my walker. I have contacted the Attorney General with no luck. The blue book value is 12,000. I saw an ad for the 2017 car same as mine for much lower at 13,000. Please Help me.
  • Should I file for bankruptcy if I cannot pay my debts?
  • 23 years ago in Michigan I cosigned for a Visa card with a 1000 dollar credit limit for my daughter. I just received a letter form the credit union telling me that she has filed for bankruptcy and I am responsible for the 2500 balance. Am I libel for all of it?
  • Am I responsible for debt incurred prior to marriage at anytime?
  • One of my creditors has chosen to sue me to collect a debt. Supposedly a judgement was issued against me, but the paperwork was so confusing, I could not understand it. I do not own a home or a car and my only income is Social Security. The letter from the agency selected by the credit card company says there are various means they can use to collect. My question is, what CAN they do to me? A call to the agency got me nowhere. I am also the sole caregiver for my handicapped mother.

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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