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

  • cant pay my monthly payments on 6 credit cards my home is paid off can they take home are no just lien
  • Our income is social security only. Is it safe from garnisement? I am currently paying 228 per month on a credit card settlement arrangement, and I can no longer afford it since I can no longer work. My health has failed. Please advise. Thank you.
  • 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 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?
  • 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.
  • 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 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?
  • 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
  • My mom passed in 2014. I was on her checking account because she could not see well and I wrote her bills for her. Now the bank says I have to pay her line of credit, and they keep slapping late fees and interest on it every month. My only income is social security. Please tell me what to do and what can they do to hurt me? Thank you
  • my mother died and left me her home and she left owing money am I responsible to pay her debts?

STORIES

  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .
  • Age discrimination in the workplace. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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