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

  • Aunt was AZ resident and died in AZ. Using small estate affidavit to obtain balance in checking account from AZ bank (large national bank). I live in FL. If financial institution wants the affidavit certified by the court, would I have to appear in person or could it be done via mail? Thank you
  • my parents passed away when i was really young, and i have no birth records. what can i do to get a birth certifacate?
  • My husband passed away im not executor of his will. His sister has the title to our home and I belive she has transfered the title to her name and rhey plan on sell my hpuse after April 15th do I have any rights???
  • If an elderly person gets ill and a family member moves them to a hospital in another state, are they be considered a resident of the new state?
  • My husben passed away Aug. 21st. and hade a life insurance policy. It is in his daughters name. He was going to change it did not get a chance to. We have been married for less than a year. Do I have anyrights to this life insurance?
  • Before my husband died in 2007 we took out a loan with citi financial. Our 2004 truck was used as collateral.My husband was the primary signer. I paid on this loan as long as I could but stopped 4 years ago. The truck was never repossessed and still sits in my yard. I contacted Citi as I was willing to give up the truck. They told me I had to send them a death certificate. But if they had repossessed it they would just come pick it up. They also said to get the title back I would need to send them an estate administrator document. According to the probate judge this would cost about $1,000. I cannot afford that. will I be able to ever get the title back?
  • I have lost my mother on November 2018. I understand I need to file taxes for her. My accountant says I need to get her (deceased person’s) representation to file her last taxes. What forms I have to fill? Where do I apply to get the representation? Where can I get some help regarding this process?
  • If my 81-year-old husband predeceases me without a will, how is his estate settled? We have no children together, but he has three grown daughters. The bank accounts, house and car pass to me because we own them jointly with right of survivorship, but what about other property he owns by himself?
  • Do I have to pay my deceased mother's next months rent. She died mid month and we notified them two days after her death.
  • My father passed away in Sept. He left no will. He has a lien on a condo for 75k, had paid almost 30k. Lots of Credit Card bills, maybe 30k. I am 3rd child, 2 older, 3 younger. I will be taking over Condo. I am on death certificate too. Am I responsible for any of the bills? I have started probate process in Pima County by filling out Affidavit of Succession to Real Prop, is this correct? I was told ALL my siblings need to sign n notarize? Correct? And on this form, am I the Affiant, or is that each of my siblings filling out the form? 5. The interest of the decedent in the property is _______, who, me? 9. Which do I choose there? First option, since there's NO WILL? Please help. Thanks!!!

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. . .
  • 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
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