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

  • My father was in a group home in Casa Grande and then died. It's been over 60 days and they have yet to refund his $500 security deposit. We live in Michigan and wonder if we can file a small claim but not have to be present.
  • When a person passes away are the outstanging debts,like credit cards passed on to their adult children?
  • 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 uncle is 82 and terminally ill. He's got $75k in credit card limits...he's taken out 50K in cash advances has transferred into his sons accounts. He owns a home with his wife, but his name is coming off of the house. He's done this to leave some $ to his heirs. His wife will pay the minimums on the credit cards after his death until she sells the house, then gift that money to her daughter. What's the legal ramifications of this after his death to his heirs. There will be no estate.
  • I just received a bill for wastewater services for 15 years in the amount of $5000. This is the first bill I have ever received. They sent a letter that they have waived late fees and penalties. What should I do?
  • My now ex-wifes boyfriend drove my car I let her have because of our son and he wrecked it. I had to take a loan out to cover the remainder fees of the car loan and she agreed to help pay it back to me. Now they refuse to pay. What can I do?
  • I made a huge mistake by cosigning on a car loan for a girlfriend back on 09/15/08. She only made 9 payments on the vehicle then let it go back to the bank. It’s been almost 6-1/2 years since she made her last payment and now they’re coming after me, after all these years have gone by. I was told that Arizona Statute of Limitations A.R.S. § 47-2725 is four (4) years for auto loans. But their attorney is ignoring that and coming after me regardless. It's now October 2015 and they are coming after me for the loan amount + interest totaling $13,000 altogether. I'm retired and living solely on Social Security of $1,776 per month and two small pensions totaling $624 which = $2,400 per month. And I'm living with my daughter to make ends meet. Therefore I can't afford to pay theses people. I had an initial pre-trial conference on 10/8/15 and represented myself because I can’t afford an attorney. It was determined that there will be a trial on 12/14/15. I told the loan company in court “that I have no money and living on $2,400 per month and living with my daughter to make ends meet, and they’re still pursuing the trial date. My questions are: 1) Will the Arizona Statute of Limitations A.R.S. § 47-2725 four (4) years get me out of this mess completely? 2) I've been told and read online that Social Security income and Pensions “cannot be garnished”. Do you know if this is true? If it's true then I have nothing to worry about and won't need to file bankruptcy. 3) If I lose my case can I file bankruptcy on a judgement that's been awarded against me? 4) Can they levy / garnish my checking account where my Social Security checks and Pension checks are electronically deposited? Thank You for your help.
  • I am 80 years old and I have to move, but the rental costs are so high (I have applied to HUD 2 yrs ago but nothing available) I can hardly buy food, and I don't get food stamps in Florida My question is If I just walk away from these debts what can the creditors do to me. I don't own anything but an old car.
  • My husband got a loan online in 2007 and paid 288.00 a month until 2010. I now have been contacted by a debt collector who wants the so called balance to be paid by me. What is the statue of limitations and so I start making payments.
  • I owe $35,000.00 on a 2000 motorhome I can't make payments anymore as I don't have the means. I tried to surrender it, but was told to try to sell it myself, I have a buyer, willing to pay $20,000 for it.But I need the title for it before the buyer gives me the money. the creditor is not willing to send me the title yet. what can I do? this is better for the creditor, because they don't have to come get it themselves.

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

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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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