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Scott Benjamin Riddle
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Scott Riddle’s Answers

5,694 total


  • What do I need to do so that I can get the title in my name?

    I have a bike title with two names on it that I just recently purchased. I went to the tag place an they said that I need the release of the other guy on the title to the bike, but I'm not sure where this "other guy" is!

    Scott’s Answer

    What you need to do is find the other guy, since it is not your bike without the title. Why would you even consider doing the deal unless you had both owners available to sign?

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  • Would our original attorney be obligated to follow up without charging an additional fee?

    My wife and I filed for bankruptcy in 2009 in Ga. In 2013 my wife became part of a class action lawsuit that was recently settled. Of course the bankruptcy court wants part of the settlement. We spoke to the attorney who represented us in the bank...

    Scott’s Answer

    Of course not - You did not hire a lawyer for life. The lawyer presumably completed your case and it was closed. Did you explain to the lawyer when discussing the fee back in 2009 that you would expect her to continue in the case through 2016 and perhaps beyond because you expected to be part of a lawsuit? Unless you did, and paid for the expected work, you need to pay for it now whether it is the same lawyer or a different one.

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  • Can they refuse my payment for the past due up to this month and sell my belongings when I'm not 40 days behind for this month?

    I got behind on payments for my self storage unit. I called Saturday to make a payment that would have brought my account up to this months payment, but they refused to take my payment and said if the full including this month is not paid by their...

    Scott’s Answer

    Unless there is an unusual law in ME (and hopefully a lawyer there can respond), once there is a default creditor don't generally have to accept a little here and there just to avoid foreclosure, eviction, etc. To the contrary, they usually have to turn down partial payments in order to retain the right to foreclose. You are in default, so the choices are generally to get completely up to date or they take action. This is pretty standard.

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  • How do I fight this?

    My employer decided to write me up for an incident that wasn't my fault, in spite of proof showing I was not at fault and testimony stating that it wasn't my fault. This write up goes into my file, so if I try to transfer to another department i...

    Scott’s Answer

    "Write-ups" and "files" are not legal issues. Your employer does not need your permission as far as what they include or not include in their files, or to agree with you about an incident.

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  • How can I be held for all that intrest and defaulted

    I pawned tittle made one one payment went in default now they want cars or what I borrowed plus 11 months intrest I never signed another contract am I liable for the intrest on them 11 months

    Scott’s Answer

    You signed a loan contract - what does it say about what you owe? How are we to know whether you defaulted last week, or a year ago? Has it been 11 months?

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  • AFTER home was sold in short sale and closed, 1st lender came back and said they are foreclosing and advertised it. What's next?

    Home was sold in short sale with 2 lenders Dec 2015. Now, 2 months later, 1st lender came back, said they are foreclosing, advertised it, and someone already lives there. I fought with the bank for 2 years, and got 2 lenders (Wells Fargo-1st, and ...

    Scott’s Answer

    It apparently never really "closed," as the lien was not released. As far as a lawsuit or recourse for something, your credit is damaged by the Bankruptcy and not making the loan payments. The foreclosure just results from that. In addition, any short sale was no doubt contingent upon a payoff agreement that you say didn't happen. You got a discharge so you don't owe anything anyway. You are free to move on at any time, and have been since your Chapter 7 case was discharged.

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  • As a Co-Signers, can I get Off the Hook on student loan?

    Five years ago I’ve co-signed for my son’s student loan when he went to graduate school. Now he got a well-paid job but unfortunately play games with re-paying the loan. Some months; he pay less than required, other he apply for forbearance… Those...

    Scott’s Answer

    The very reason you co-signed was to pay the loan if your son didn't, so the contract would be meaningless if you could get out of it when that came to pass. Of course, you can always have the loan documents reviewed. You need to get with your son and work it out, because the only real option in these situation is to either make payments on time or pay the loan off. You can take over monthly payments to make sure they are paid, and get the money from your son, but he is probably less likely to pay you on time if he can't pay the lender. He will learn a financial lesson at some point.

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  • After a certain amount of time do I have legal ownership of the vehicle? It's been 3 months and I haven't received my money.

    Was in the process of buying a car from someone. however they wanted a 1000$ down payment. I've paid the down payment and then moved the car to my house from his garage. He then states that he has to buy the title from the title owner because he w...

    Scott’s Answer

    Definitely not. From your post, not only did you never pay for the car, the person you bought it from did not even own it. It might have been a scam from the beginning, and you might have a stolen car in your possession.

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  • Does the temporary service I used to work for, have the right to falsely accuse me of not keeping in contact with them?

    Unemployment insurance was denied

    Scott’s Answer

    Do you have the right to falsely say that you did keep in contact with them? They might ask that. They have their story, you have yours and, of course, both of you have the right to state your side of the story.

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