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

  • 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
  • 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
  • cant pay my monthly payments on 6 credit cards my home is paid off can they take home are no just lien
  • 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?
  • 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?
  • I received a letter from DMV requesting I pay $500.00 for abandonment fee I am 62 yrs old and I am on SSI I let a friend drive my vehicle he was stopped and was not aware he had a suspended license. So they imounded my vehicle and requested about $300.00 for impounds and storage I did not have the money I am on a fixed income I ended up loosing my truck and now they DMV to pay $500.00 for abandonment fee I could lose my license if I dont pay it Could you help me I heard their is some type of waiver I could get if I am low income and go to court
  • My wife has a debt that she has not been able to pay because she has no income and has not had income for 5 years. The collection company has frozen our bank account and I cannot pay our bill now. She has not made any deposits to this joint account. How can I get this hold off of our account? she does not want to contact the collection company. All funds in this bank account are mine not her's. Thank you
  • what are the income guidelines
  • 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
  • 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.

STORIES

  • 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!. . .
  • I just helped my mother, age 89, deal with her Medicare HMO. . .

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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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