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

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QUESTIONS

  • Hi my mom has a 2006 vehicle with nearly 30% interest and an 8k negative value. She has no assets and receives SS only. If she voluntarily returns the vehicle can they persue legal action? Make her pay the 8K?
  • 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!
  • I get my social security check on acard and put my bill money in my checking account and i got sick and can't make payments on my credits cardscan they get my bill money out of my checking account
  • Can't pay Credit Card Debt? What do My wife 71 years old and I do? We don't want to loose our home.
  • I co-signed for my grandson on an auto loan. He had a great job but he had a nervous break down and was diagnosed bipolar and can't keep a steady job. He refuses to return the car so sure he's going to be able to get his life back together. It hurts so much to se him struggle. But I've done all I can do. Now they've placed a lean on my home. What can I do?
  • my husband had a stroke Friday night.He will be in hospital few more days then sent to a facility for physical therapy.He managed all the finances.Is there a way to hold off creditors?I am scared.
  • If a medical provider does not bill you for more than a year, can they charge late fees or interest on the 20% Medicare did not pay? The doctor's office said it was due to a "software problem" in its billing program.
  • my mother died and left me her home and she left owing money am I responsible to pay her debts?
  • Should I file for bankruptcy if I cannot pay my debts?
  • I was in a joint checking account with my 90 yr. old mother. She has no assets or income other than social security. She took out a $10,000 loan. I am not a joint account on this loan. She will need to default b/c she can no longer afford the payment. Will the bank come after me to pay the loan even though I did not co-sign on the loan? It is the same bank that I had a joint account with. it is the bank I do all my bank business with in conjunction with my husband?

STORIES

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

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