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

  • Is a dept. collection company allowed to garnish my disability income
  • My question is my ex boyfriend and I discussed taking out a title loan on our truck . We are both on the title. We agreed to do it but I’m the one that drove down and filed for the loan. So my name is primary on the Loan contract. After that he decides to leave me he takes our truck and blocks me so I can’t speak to him. He refuses to pay the loan payments. He also has our truck. I don’t think I should have to pay for a truck I no longer drive . They want the truck or their money ? What should I do?
  • I am 74 & receiving social security benefits. My wife has Parkenson's disease and receives government benefits and she also has a small part time job. I know that acreditor cannot touch benefits given by the federal government but what is the maximum money she can earn from her part time, i.e., $200, $400, whatever in a month's time yet is not subject to being garnished by a creditor? And what is the Arizona law stating this?
  • My 34 year old son is in debt and lives under my roof in a room I provide. I help him financially by gifting him funds from time to time. I do not claim him as a dependent and his finances are segregated from mine. I did not cosign any loan. He has been served and I expect that the court will issue a judgment. My question is, do I have to do anything special to protect my and my wife's goods from execution. Legally, they are ours, but how do I proceed if the sheriff attempts to grab them? Can he?
  • 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.
  • 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?
  • My husband passed away and had a credit card that was in his name only. Am I held accountable to pay that debt off? And I am confused, do creditors have six months to file a claim, after they receive the death certificate, or 6 months after you probate? Thank You!
  • As a 67 yr. old retiree with an income of 11,645 yearly from S.S. and a small retirement pension, are these monies subject to credit card debt collection? Other than two older vehicles, I have no assets.
  • 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.
  • I have a house in AZ, going through a divorce if I stop making the mortgage payment can AZ make me pay the payment? I am on State disability and S.S.

STORIES

  • I just helped my mother, age 89, deal with her Medicare HMO. . .
  • Age discrimination in the workplace. . .
  • If you get a divorce, make sure your date of birth is on the Decree if your name is changing!. . .

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FIND LEGAL HELP

  • Please select your county of residence below.

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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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