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 mother died and left me her home and she left owing money am I responsible to pay her debts?
  • 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?
  • How can i get my car back that was repoed this morning and i have a person that lives with me that has cancer
  • I owe $35,000.00 on a 2000 motorhome I can't make payments anymore as I don't have the means. I tried to surrender it, but was told to try to sell it myself, I have a buyer, willing to pay $20,000 for it.But I need the title for it before the buyer gives me the money. the creditor is not willing to send me the title yet. what can I do? this is better for the creditor, because they don't have to come get it themselves.
  • My granddaughter had me open an account with a store for a fence and now she refuses to pay. Lawyers for the store are taking me to court. I can't afford it. The house has been sold and new owners are enjoying the fence. I don't know what to do. She has moved to Florida but i don't know where.
  • I'm being sued for credit card debt of 1000.00. I answered the summons and now their attorneys want no trial but want the judge to resolve the issue. What are my options? Do they put a lien on my property?
  • I am 80 years old and I have to move, but the rental costs are so high (I have applied to HUD 2 yrs ago but nothing available) I can hardly buy food, and I don't get food stamps in Florida My question is If I just walk away from these debts what can the creditors do to me. I don't own anything but an old car.
  • I have 13000 in credit card debt. I'm living on my social security which is 1281.00 a month. My rent is 560.00 amonth. I can't make payments on this debt. Can you tell me what I can do. What would happen if I just don't pay it
  • My father has become unable to live independently. He has no estate, nothing of value-only his 1440 SS monthly income. He has 7000$ 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.
  • I have been sued for 1200.00 dollars for out of pocket expenses for medical bills by my neighbor how attack me and than lied in court ant the what ever she was believed her in stead of me and I did not do. Can they take my car? I am Social Security. All I have is my car that I still owe on. I go back and forth to the doctor and school for my AA. If they take my car I can not make it. I am below poverty level . not even 1,000.00 a month. Do I need to file for exemptions on my car and which one should I use. Do I have to file bankruptcy to file for exemptions? Or am I ok? Please help I have only a little time left I want to file an appeal & reconciliation.

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. . .
  • 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
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