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 my 81-year-old husband predeceases me without a will, how is his estate settled? We have no children together, but he has three grown daughters. The bank accounts, house and car pass to me because we own them jointly with right of survivorship, but what about other property he owns by himself?
  • Am I responsible for my husband's credit card debt? He is the primary person on the account. The credit card company closed the account when they were notified of his passing. There is no money to pay the bill, so am I still responsible for this debt?
  • Before my husband died in 2007 we took out a loan with citi financial. Our 2004 truck was used as collateral.My husband was the primary signer. I paid on this loan as long as I could but stopped 4 years ago. The truck was never repossessed and still sits in my yard. I contacted Citi as I was willing to give up the truck. They told me I had to send them a death certificate. But if they had repossessed it they would just come pick it up. They also said to get the title back I would need to send them an estate administrator document. According to the probate judge this would cost about $1,000. I cannot afford that. will I be able to ever get the title back?
  • Is there an agency that will assist with figuring out all the paperwork after the sudden death of my father?
  • My father passed away before he could make me the beneficiary of his Arizona State Retirement. His wish was to ensure that this was done and was verbal regarding the issue. Do I have any recourse as his child and next of kin to have it switched to me as beneficiary? Thanks
  • If my parents die in Phoenix, AZ and want to be cremated and have me take their ashes to OR to be buried, what is the proceedure I need to make?
  • My grandfather passed away 3years ago. his stepson had a quit claim deed signed with my grandfathers signature the same day he died, my grandfather suffered from alzheimers & dementia. there was no will found. But i'm wondering is there anything that can be done he obviously forged my grandfather's signature to keep his property.
  • My mother passed away September 14m 2009. In her will she designated that I was to receive 75%, my sister the remaining 25%, upon the sale of her home. I need to transfer title to me, how? I reside in Pima county.
  • My wife passed away almost 3 years ago. She had a will drawn up while we lived in Las Vegas, Nevada. Is this will valid in Arizona?
  • My dad passed away in 2009 and my step mother passed in 2014 as far as I can tell my fathers property has been in limbo with my step brother squatting in it? How do I find out if I have any right to my fathers property?

STORIES

  • Age discrimination in the workplace. . .
  • 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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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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