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

  • 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
  • Am I responsible for debt incurred prior to marriage at anytime?
  • My father is dying of cancer. My parents bought a new car 2 years ago. The car is in my father's name. When my father dies, my mother won't be able to afford the car payments and the car is worth less than the balance owed. They live strictly on Social security. There won't be any inheritance or such. Is my mother responsible for the debt of the car after my dad dies even though the car isn't in her name?
  • Is a dept. collection company allowed to garnish my disability income
  • 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?
  • 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 am 74 with over $30,000 in CC debt. How do I get out of debt so I can retire. I work fulltime, but afraid of unexpected health problems. My husband has less than $800 per month from SS. I have no other debt other than CC and household expenses. Own 3 late model cars and home which are all paid for in full. I have enough life insurance to pay off my debt, but bad health could put me and my family in trouble. What to do?
  • my mother died and left me her home and she left owing money am I responsible to pay her debts?
  • 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?
  • When a person passes away are the outstanging debts,like credit cards passed on to their adult children?

STORIES

  • Age discrimination in the workplace. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .

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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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