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
  • Where can I find a LOW cost or NO cost attorney for filing bankruptcy in YUMA, ARIZONA?
  • my mother died and left me her home and she left owing money am I responsible to pay her debts?
  • Should I file for bankruptcy if I cannot pay my debts?
  • I am about to be sued for an old credit card debt. I am permanently disabled and on social security only. Can my social security be garnished?
  • 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
  • Am I responsible for debt incurred prior to marriage at anytime?
  • I'm 66 and have applied for a Loan Modification (it was approved) however, the service r is asking for "Good Faith" money up front before they will finalize the Modification Agreement. This up-front money was NEVER mentioned in any of their correspondence and when I received my Modification packet this past Saturday ...in their cover letter they mention this "good faith" money....but it is NOT part of the Modification Agreement. Is this legal for them to ask for 4 months of payemnts and then start the actual modification payment 12/1/2015? They want this money AND the agreement before Tuesday the 17th ..so this is VERY URGENT for me to receive some advise ...and should I sign the agreement. I'm also searching for a Pro Bono attorney to review these documents. ###
  • 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?
  • I AM 80 YEARS OLD CAN A CREDIT CARD COMPANY TAKE MY SOCIAL SECURITY IF I AM UNABLE TO PAY THE DEBT I HAVE NO OTHER INCOME

STORIES

  • Age discrimination in the workplace. . .
  • 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. . .

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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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