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

  • If a medical provider does not bill you for more than a year, can they charge late fees or interest on the 20% Medicare did not pay? The doctor's office said it was due to a "software problem" in its billing program.
  • Wher can i find a attorney to help me with bankruptcy
  • Can I lose my home if I fall behind in my mortgage payments?
  • 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.
  • 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 made a huge mistake by cosigning on a car loan for a girlfriend back on 09/15/08. She only made 9 payments on the vehicle then let it go back to the bank. It’s been almost 6-1/2 years since she made her last payment and now they’re coming after me, after all these years have gone by. I was told that Arizona Statute of Limitations A.R.S. § 47-2725 is four (4) years for auto loans. But their attorney is ignoring that and coming after me regardless. It's now October 2015 and they are coming after me for the loan amount + interest totaling $13,000 altogether. I'm retired and living solely on Social Security of $1,776 per month and two small pensions totaling $624 which = $2,400 per month. And I'm living with my daughter to make ends meet. Therefore I can't afford to pay theses people. I had an initial pre-trial conference on 10/8/15 and represented myself because I can’t afford an attorney. It was determined that there will be a trial on 12/14/15. I told the loan company in court “that I have no money and living on $2,400 per month and living with my daughter to make ends meet, and they’re still pursuing the trial date. My questions are: 1) Will the Arizona Statute of Limitations A.R.S. § 47-2725 four (4) years get me out of this mess completely? 2) I've been told and read online that Social Security income and Pensions “cannot be garnished”. Do you know if this is true? If it's true then I have nothing to worry about and won't need to file bankruptcy. 3) If I lose my case can I file bankruptcy on a judgement that's been awarded against me? 4) Can they levy / garnish my checking account where my Social Security checks and Pension checks are electronically deposited? Thank You for your help.
  • my husband had a stroke Friday night.He will be in hospital few more days then sent to a facility for physical therapy.He managed all the finances.Is there a way to hold off creditors?I am scared.
  • 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 was in a joint checking account with my 90 yr. old mother. She has no assets or income other than social security. She took out a $10,000 loan. I am not a joint account on this loan. She will need to default b/c she can no longer afford the payment. Will the bank come after me to pay the loan even though I did not co-sign on the loan? It is the same bank that I had a joint account with. it is the bank I do all my bank business with in conjunction with my husband?
  • I am full time caregiver for my my mother who is 90 and bedridden. We are living on social security with only a few thousand dollars in savings and she has over $15,000 in credit card debt. She owns the house and I need to stay there when she passes (I'm unemployed - executor & heir. Will the credit card companies be able to force me to sell the house to pay them off? Will they be able to get the few thousand dollars left in her savings account?

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
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