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

  • 2014 we lease a car for 36 months st $ 229.00 a month gave our our 2004 mint condition as down payment supposedly % 5000.00 we need a larger vehicle we were moving so went to see what they could do.The.dealer paid off the Camry but added it to the truck,our payments now $579.91for 84 months.what the salesman didn't tell us that they wrapped amount of the Camry to the truck payment, so we are paying for 2 cars and they kept the car .We only have one vehicle. Is that legal? What they did? We pay $579.91 monthly,to much.our solely monthly low income is 1773.00 combined.we tried to refinance with other banks but were denied they said we owe more than the vehicle was worth.we are up to our neck with to many bills If we voluntary turned up the vehicle can they go after our only assets,a2bedroom little house? Please help,can't afford lawyer fees bankruptcy is not an option. We always have good credit,we manage with credit cards.
  • 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
  • I have received a Notice of Trustee sale on my condo and that it will be sold at public auction. I don't know what to do.
  • My late husband incurred a car repair shop debt before we met. After he died, I started getting letters from an attorney for the shop saying I was responsible for the bill now. Is this true?
  • 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.
  • 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.
  • Is a dept. collection company allowed to garnish my disability income
  • 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 HAVE A LINE OF CREDIT LOAN AND A LOAN FROM ON LINE WILL THE COURT AGREE TO GET MONEY FROM RETIREMENT FROM VA SYSTEM AND SS
  • I am sending this for my mother. My dad left her his retirement to her but nothing else. She has about $25,000 in credit card debt (they bought a vehicle using a credit card with a 2% interest)and has an income of about $4,277 including retirement, veterans benefits and ss. Everything was fine until ill health made it impossible for her to live alone. She sold her mobile home, put the $$ in savings and moved into a senior apartment. She has recently moved into a more expensive assisted care living. Her income is enough to pay her rent but we still have to pay her $600 a month credit cards bills that my dad left her with. She only has about $1,100 in saving so either she files for bankrupcy or she just doesn't pay her credits cards anymore. She does use her credit cards so bad credit will not hurt her. I am sure that her current living location will not kick her out as long as she is paying her rent. What will happen if she doesn't pay her credit card bills anymore?

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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