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

  • 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.
  • I am drawing ss disability and I have a car I have been paying for 4 years just owe 6 payments but car broke down over a year ago and I cannot afford to get it fixed and can't afford the payment anymore. I was getting help to pay the payment but my son moved off and lost his job. My name is on a piece of property a half acre with my daughter she lives on the property can they sue me and get the property? 
  • 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?
  • Should I file for bankruptcy if I cannot pay my debts?
  • Iam a 82 year old widow living on my husbands retirement and ss . My house is paid of , but I pay a small common fee . I recently took out a 130000 loan against my house to help my Granddaughter build a new house . She is now going through a divorce and is not paying me for the loan ( always two months late). The bank is threatening forclosure against my home I am living in. I was going to take a loan against my retirement to pay off the loan . The new house is in my Granddaughters name and her ex is living in it . Can I have my name put on the house and have her pay me rent without bad tax implications. I have three children that this house should be on the estate . The bank has been sending preforclosure papers against the house I live in . I am afraid I am going to lose everything . My Grandaughter refuses to sell her house snd pay me back . I dont want to hurt her . I was only trying to help . She has a new baby
  • Our income is social security only. Is it safe from garnisement? I am currently paying 228 per month on a credit card settlement arrangement, and I can no longer afford it since I can no longer work. My health has failed. Please advise. Thank you.
  • I have a house in AZ, going through a divorce if I stop making the mortgage payment can AZ make me pay the payment? I am on State disability and S.S.
  • My granddaughter had me open an account with a store for a fence and now she refuses to pay. Lawyers for the store are taking me to court. I can't afford it. The house has been sold and new owners are enjoying the fence. I don't know what to do. She has moved to Florida but i don't know where.
  • 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 sole income is Social Security. I just received a civil summons from my old credit union for my credit card debit. Can they garnish my Social Security income? My Social Security is direct deposited into my bank account. I CAN NOT afford an attorney, just wanted to know my rights.

STORIES

  • Age discrimination in the workplace. . .
  • 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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