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

  • 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.
  • my mother died and left me her home and she left owing money am I responsible to pay her debts?
  • How can i get my car back that was repoed this morning and i have a person that lives with me that has cancer
  • 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.
  • I have congested heart failure and getting disability then went to jail.. check stop when in jail had to go to er for heart paims from jail bill collector called saying I was getting a warrant if not pay bill is that true
  • IF I CAN'T PAY MY CREDIT CARD DEBTS. AND MY HOUSE IS ON A REVERSE MORG. WITH NO FUNDS LEFT. CAN THEY TAKE MY HOUSE?
  • 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?
  • I am 74 & receiving social security benefits. My wife has Parkenson's disease and receives government benefits and she also has a small part time job. I know that acreditor cannot touch benefits given by the federal government but what is the maximum money she can earn from her part time, i.e., $200, $400, whatever in a month's time yet is not subject to being garnished by a creditor? And what is the Arizona law stating this?
  • Regarding Bankruptcy: How long does it take to file, can you see a lawyer one day and file the next? Do your credit cards need to be delinquent to file BK or can they be current? Can they take my 401K if I file BK? How long will BK put off a Trustee sale? If your mortgage is delinquent can you still file BK to try to put off the trustee sale? If you have 2 accounts with one credit company like Discover and one is joint with someone else and one is only in your name, can you just file BK on the one in your name only without them going after the other card with joint owner? Thank you

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

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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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