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 received a letter from DMV requesting I pay $500.00 for abandonment fee I am 62 yrs old and I am on SSI I let a friend drive my vehicle he was stopped and was not aware he had a suspended license. So they imounded my vehicle and requested about $300.00 for impounds and storage I did not have the money I am on a fixed income I ended up loosing my truck and now they DMV to pay $500.00 for abandonment fee I could lose my license if I dont pay it Could you help me I heard their is some type of waiver I could get if I am low income and go to court
  • How can i get my car back that was repoed this morning and i have a person that lives with me that has cancer
  • Is a dept. collection company allowed to garnish my disability income
  • Wher can i find a attorney to help me with bankruptcy
  • 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.
  • My father in law had a stroke in April of 2013 and has been unable to pay his credit card debts including a home equity line of credit through State Farm. He owns a home here here in Phx but has since been relocated to be with other family members in Napa, Ca. in a group home. He receives his usual SS benefits and a small pension of $120 per month, he is also getting his aid and attendance from the V.A. The problem is this, all of his benefits go to his care and he is unable to pay his credit card debts. Since he is no longer living here we are paying his house payment along with the State Farm home equity line of credit since that is like a second mortgage I believe. My question is how do we keep the house in the family and eliminate his credit card debt? which is probably around $20,000. The house doesn't have any equity in it or if it does, it's not much. Thank You
  • Can I lose my home if I fall behind in my mortgage payments?
  • In az does the lender need to notify the deptor in writing when and where the auction is to be held before the sale of the vehical
  • 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.
  • My total income is $15,000 annually from ss retirement. I have $12,000 in checking for which I plan to get dental repairs. I owe $40,000 on credit cards and have not made any payments since 2005. I owe $30,000 to the IRS (irs has declared me "uncollectible"). Will my credit card debt ever disappear? I have never declared bankruptcy. Should I declare bankruptcy now?

STORIES

  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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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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