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?
  • If I am receiving Social Security income, can my creditors get a hold of it?
  • As a 67 yr. old retiree with an income of 11,645 yearly from S.S. and a small retirement pension, are these monies subject to credit card debt collection? Other than two older vehicles, I have no assets.
  • 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?
  • I am a 59 yr old recently widowed female with my husband’s passing Jan 2018. My question relates to credit card debt in his name that was over $23k when he died. I am listed on our home’s Deed of Trust/Title with his name as joint with right of survivorship. Can unsecured credit card debt end up as liens filed against the title?
  • I was e mail about loan for $8000.00 and all I had to do was send three months payments in advance which I did the day when there wrer to mak a deposit to my account I got call from the tell me that I had to purchase a inserunce for the loan and all I had to do was ppay $750.00 1/2 of the cost so I had it canceled the loan and ask for my money back they told me it would take 14 to30 days befor I could get it io told I needed it back that day they said they would,this has put me in avery bad money problem because of being on ssi diabilty my bill are going to suffer and Imy credit is going to take a big hit I have to pay for a truck payment and rent and insurance I have no othere way to gover them I neeed to get them to return that money by the end of this week, I need help. I was olso scam by company out of Washington involving free gov. grant money that also menschen that they were working with the f.b.i.i lost $150.00in that.
  • My husband received a letter from his ex-wife yesterday regarding paying a debt that was owed from 2004 income tax is he obligated to pay the amount in the divorce decree the amount is from 2004 and they divorced in 2007.
  • 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 late husband incurred a car repair shop debt before we met. After he died, I started getting letters from an attorney for the shop saying I was responsible for the bill now. Is this true?
  • We are senior citizens. A bank is offering us a home loan that we assumed was fixed interest-the rate dropped a fraction, even-then I happened to notice an unfamiliar phrase with a tiny checked box-'demand feature'. I looked it up: the bank can demand payment, calling the loan, at any time without giving a reason. It said that some states prohibit that practice. Is Arizona one? Calling the loan could destroy us and force the property into foreclosure.

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

  • Please select your county of residence below.

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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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