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

QUESTIONS

  • Where can I find a LOW cost or NO cost attorney for filing bankruptcy in YUMA, ARIZONA?
  • I am being sued for a past credit card debt from 2002. What is the statute of limitations for collection and can the new creditor garnish my wages?
  • Can I lose my home if I fall behind in my mortgage payments?
  • My senior friend cannot pay her credit card debts (her son ran them up and then abandoned her). Her only income is Social Security and her home was inheirited (already paid off when it was inheirited). She cannot afford to file bankruptcy. She quit paying her debts over a year ago- sent them a letter stating that she cannot pay, fixed income etc. One of of the creditors recently sent a letter regarding arbitration. If she does not respond it means she agrees to their terms. I suggested to her that she respond by sending the original letter. Is there a better way to respond? Also, is her home safe from a judgement? I know her income is. I thought I read her home could not be taken. If true, would it require a lengthy court battle?
  • how do i get halp.i hav go job childsupport want me to pay $334 a week without a job a i have no way of pay them . iget my 2 girls every week.i have to pay,food,shoes,and coltes.they mommy dont give them the things they need when they came to my house and this every week we go throw this what do i do ?
  • I owe a debt to a creditor for medical expenses. The creditor has increased the debt by charging me a penalty for not paying on time. Is this legal? Are all late fees penalties?
  • I am a 59 yr old recently widowed female with my husband’s passing Jan 2018. My question relates to credit card debt in his name that was over $23k when he died. I am listed on our home’s Deed of Trust/Title with his name as joint with right of survivorship. Can unsecured credit card debt end up as liens filed against the title?
  • How do I place a judicial lien on my neighbor's property?
  • 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.
  • My husband received a letter from his ex-wife yesterday regarding paying a debt that was owed from 2004 income tax is he obligated to pay the amount in the divorce decree the amount is from 2004 and they divorced in 2007.

STORIES

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

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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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