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

  • I owe $8,000.00 in state income tax from 1991. I retired in 2012 & have no income except social security. can they attach my payments?
  • 23 years ago in Michigan I cosigned for a Visa card with a 1000 dollar credit limit for my daughter. I just received a letter form the credit union telling me that she has filed for bankruptcy and I am responsible for the 2500 balance. Am I libel for all of it?
  • In 2001 I co-signed with my daughter to purchase a single-wide mobile home. She lived in the mobile home for 13yrs. It's financed with XXXX located in Tennessee, and there's still a balance of $16,000. My daughter had to move out due to her family increasing and the need for more room. I'm a retired senior citizen and do not have the money to pay for it. What can I do to keep it from being on my credit report?
  • My husband died in Nov. and I am living only on Social Security. His hospital bills are now coming in. Am I, by law, obligated to pay them???
  • 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
  • I HAVE A LINE OF CREDIT LOAN AND A LOAN FROM ON LINE WILL THE COURT AGREE TO GET MONEY FROM RETIREMENT FROM VA SYSTEM AND SS
  • Should I file for bankruptcy if I cannot pay my debts?
  • My husband had what was deemed by a Dr. at Mayo as necessary surgery in 2008. All insurance info was provided and they knew he was Medicare. No one said a word about the possibility of no coverage. Now, 3 yrs. later, medicare has said they won't pay the claim and Mayo has said we owe $10,000 which would be impossible to pay since we are on SS and pension. Had we been told that at the outset, we would not have proceeded with the surgery. Wasn't it Mayo's responsibilty at the time to check out if they would get paid? How do we get this debt dismissed?
  • My husband passed away and had a credit card that was in his name only. Am I held accountable to pay that debt off? And I am confused, do creditors have six months to file a claim, after they receive the death certificate, or 6 months after you probate? Thank You!
  • 2014 we lease a car for 36 months st $ 229.00 a month gave our our 2004 mint condition as down payment supposedly % 5000.00 we need a larger vehicle we were moving so went to see what they could do.The.dealer paid off the Camry but added it to the truck,our payments now $579.91for 84 months.what the salesman didn't tell us that they wrapped amount of the Camry to the truck payment, so we are paying for 2 cars and they kept the car .We only have one vehicle. Is that legal? What they did? We pay $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.

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. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .

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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
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