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?
  • My uncle is 82 and terminally ill. He's got $75k in credit card limits...he's taken out 50K in cash advances has transferred into his sons accounts. He owns a home with his wife, but his name is coming off of the house. He's done this to leave some $ to his heirs. His wife will pay the minimums on the credit cards after his death until she sells the house, then gift that money to her daughter. What's the legal ramifications of this after his death to his heirs. There will be no estate.
  • how do i get halp.i hav go job childsupport want me to pay $334 a week without a job a i have no way of pay them . iget my 2 girls every week.i have to pay,food,shoes,and coltes.they mommy dont give them the things they need when they came to my house and this every week we go throw this what do i do ?
  • My husband and i are both on Social security and we have credit card debit and can't make the payments on them, what can the credit card company do to get there money. We have got a letter to go to court for one of them, can they make us pay them?
  • Can a arizona bank refuse a power of attorney to cash my boyfriends paycheck if he is in prison?
  • My mothers health has drastically changed and she only lives on social security, a very small disability bi-weekly stipend and has medicare. While my mother has been accepted for medicaid as a secondary insurance, she will have to contribute monthly of $406 so that she will be able to have full time home health care (vs only part time with medicare). This expense will make it impossible to help her pay her credit card debts off. My mother needs to contribute to medicaid but then won't have enough to pay off her debts. What are options as far as her credit cards? Should I close them (with her on the phone) and let them know that she is unable to pay so we'd need a settlement price? Or just walk away? I am unsure of her options as my original plan was to help her pay them off one by one.
  • Hello: My mother died recenty. As her son am I obligated to pay her outstand bills? The day she passed a bill arrived from the emergency service that took to the hospital. Also she received a bill for medical expenses from her stay in the critical care unit at the hospital where she died. There are other bills that have been received. I just need to know if legally these have to be paid. Thank you for your help. Rick
  • 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 question, as we are having buyer's remorse what are the consequences for us if we don't give the $8,000.00 and do not take possession of the vehicle?
  • 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?

STORIES

  • 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. . .
  • 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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