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 late husband incurred a car repair shop debt before we met. After he died, I started getting letters from an attorney for the shop saying I was responsible for the bill now. Is this true?
  • I am 74 with over $30,000 in CC debt. How do I get out of debt so I can retire. I work fulltime, but afraid of unexpected health problems. My husband has less than $800 per month from SS. I have no other debt other than CC and household expenses. Own 3 late model cars and home which are all paid for in full. I have enough life insurance to pay off my debt, but bad health could put me and my family in trouble. What to do?
  • I owe a debt to a creditor for medical expenses. The creditor has increased the debt by charging me a penalty for not paying on time. Is this legal? Are all late fees penalties?
  • I just received a bill for wastewater services for 15 years in the amount of $5000. This is the first bill I have ever received. They sent a letter that they have waived late fees and penalties. What should I do?
  • 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 father is dying of cancer. My parents bought a new car 2 years ago. The car is in my father's name. When my father dies, my mother won't be able to afford the car payments and the car is worth less than the balance owed. They live strictly on Social security. There won't be any inheritance or such. Is my mother responsible for the debt of the car after my dad dies even though the car isn't in her name?
  • I am a 59 yr old recently widowed female with my husband’s passing Jan 2018. My question relates to credit card debt in his name that was over $23k when he died. I am listed on our home’s Deed of Trust/Title with his name as joint with right of survivorship. Can unsecured credit card debt end up as liens filed against the title?
  • I was e mail about loan for $8000.00 and all I had to do was send three months payments in advance which I did the day when there wrer to mak a deposit to my account I got call from the tell me that I had to purchase a inserunce for the loan and all I had to do was ppay $750.00 1/2 of the cost so I had it canceled the loan and ask for my money back they told me it would take 14 to30 days befor I could get it io told I needed it back that day they said they would,this has put me in avery bad money problem because of being on ssi diabilty my bill are going to suffer and Imy credit is going to take a big hit I have to pay for a truck payment and rent and insurance I have no othere way to gover them I neeed to get them to return that money by the end of this week, I need help. I was olso scam by company out of Washington involving free gov. grant money that also menschen that they were working with the f.b.i.i lost $150.00in that.
  • I bought a car and I made a mistake on buying it and the dealer won't take it back after a week. I am disabled and Deaf and I believe I was being coerced and the payments is too high for me to handle. The cost of loan is 23,000 and payments is 361.00. The trunk is too high for me to put in my walker. I have contacted the Attorney General with no luck. The blue book value is 12,000. I saw an ad for the 2017 car same as mine for much lower at 13,000. Please Help me.
  • I have a student loan from 1979, (GSL/private type student loan), that I had to stop making payments on. The loan was sold and collections activity has resumed from Navient. The contract states that the loan is cancelled upon death or disability. Can Navient sue me for repayment -take my car etc? Thank you.

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. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .

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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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