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'm 66 and have applied for a Loan Modification (it was approved) however, the service r is asking for "Good Faith" money up front before they will finalize the Modification Agreement. This up-front money was NEVER mentioned in any of their correspondence and when I received my Modification packet this past Saturday ...in their cover letter they mention this "good faith" money....but it is NOT part of the Modification Agreement. Is this legal for them to ask for 4 months of payemnts and then start the actual modification payment 12/1/2015? They want this money AND the agreement before Tuesday the 17th ..so this is VERY URGENT for me to receive some advise ...and should I sign the agreement. I'm also searching for a Pro Bono attorney to review these documents. ###
  • My father has become unable to live independently. He has no estate, nothing of value-only his 1440 SS monthly income. He has 7000$ in credit card debt as well as 4000$ in medical bills. I am looking into placing him in an assisted living or nursing home as it's too difficult for us as a family. My question is -how do I absolve his debt? Chase calls MY home phone daily-despite my discussing the situation with them, as well as the medical bill.
  • How can i get my car back that was repoed this morning and i have a person that lives with me that has cancer
  • Should I file for bankruptcy if I cannot pay my debts?
  • Iam a 82 year old widow living on my husbands retirement and ss . My house is paid of , but I pay a small common fee . I recently took out a 130000 loan against my house to help my Granddaughter build a new house . She is now going through a divorce and is not paying me for the loan ( always two months late). The bank is threatening forclosure against my home I am living in. I was going to take a loan against my retirement to pay off the loan . The new house is in my Granddaughters name and her ex is living in it . Can I have my name put on the house and have her pay me rent without bad tax implications. I have three children that this house should be on the estate . The bank has been sending preforclosure papers against the house I live in . I am afraid I am going to lose everything . My Grandaughter refuses to sell her house snd pay me back . I dont want to hurt her . I was only trying to help . She has a new baby
  • Wher can i find a attorney to help me with bankruptcy
  • Can I lose my home if I fall behind in my mortgage payments?
  • My senior friend cannot pay her credit card debts (her son ran them up and then abandoned her). Her only income is Social Security and her home was inheirited (already paid off when it was inheirited). She cannot afford to file bankruptcy. She quit paying her debts over a year ago- sent them a letter stating that she cannot pay, fixed income etc. One of of the creditors recently sent a letter regarding arbitration. If she does not respond it means she agrees to their terms. I suggested to her that she respond by sending the original letter. Is there a better way to respond? Also, is her home safe from a judgement? I know her income is. I thought I read her home could not be taken. If true, would it require a lengthy court battle?
  • Where can I find a LOW cost or NO cost attorney for filing bankruptcy in YUMA, ARIZONA?
  • 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?

STORIES

  • Age discrimination in the workplace. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .
  • He told me that I could actually get all the money I needed by using my home as collateral. . .

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