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Lois R Beasley-Carlisle

Lois Beasley-Carlisle’s Answers

194 total


  • How to answer felony question on application?

    I have three felonies and many misdemeanors when I was on drugs I'm trying to get a job and Im unsure of how to answer the felony question. I know to say yes I have felony convictions...but if yes explain is what is getting me. I really want the j...

    Lois’s Answer

    At this juncture you can put yes and explain it at the interview or put I'd like to explain the answer to this question in person. Expungement is possible but wouldn't happen quick enough to help you here. Immediately make an appointment with a lawyer to handle the Expungement. Our number is available should you wish to pursue this.

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  • I got a $2000 line of credit with cashnetusa. my understanding was the loan would be paid over a period of time.

    However the monthly payments have been huge. I have made 3 payments, $640, $620 and $540. My balance is still $2300. I hAve tried to get someone to explain why so high. Nothing makes since. What can I do to get payments lower?

    Lois’s Answer

    What's the interest rate? If your interest rate is say 150.00% you will never pay it off. I saw one poor lady had signed a contract that was 800% interest.

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  • How long must I pay chapter 13?

    In march 2010 we filed chapter 13 and the initial payment amount was $150. Then in May 2010 the plan was modified to $500 and confirmed in July 2010. The plan included our vehicle, a secured furniture loan (now paid off) and various unsecured cred...

    Lois’s Answer

    Make an appt and go see your lawyer. He can get an interim printout for you and explain this to you. The other answers are all good as well. You have to pay the full last confirmed time period on the modified plan especially when you are paying a pot. It won't pay off early.

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  • How long will my boyfriends probation be

    My boyfriend went to jail for violation of probation. He was not paying on his fines and he did not check in with his probation officer. He is listed as a sex offender and already did his time for it.

    Lois’s Answer

    He may have to serve the rest of the time on this probation sentence. Also FYI - he can pick up a new felony for failure to register if he did not do this. I hope he makes sure he registers each time he is supposed to. I have seen sex offenders pick up this felony over and over and over. I had one sex offender picked up another failure to register charge while in prison on another charge and he decided to plea this one out and let it run concurrently with the current charge to save himself the extra time. I didn't necessarily agree with this decision as it gave him another felony on his record, but I honored it as it is their decision. If he does not have an attorney hire one. If he does go meet with him.

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  • I have a title pawn on my car that I have been paying on for about 7 years and now I just want to park the car in their lot.

    Will they just take the car and consider it payment in full or will they come after me for something??

    Lois’s Answer

    Have you tried asking them how much you can pay to just pay it off? Have you tried talking to them and saying look I've paid you 15,000 now for that 2000 I borrowed. Can u consider this debt paid in full?
    Someone else may be happy to pay it off and take it off your hands. One of my relatives was in the same shape and I paid his truck off and gave that truck to my son. Advertise it for sale for whatever the payoff is. They can meet you at the title pawn.
    Have you the need of bankruptcy? You could put it in a debtor court at 5% interest and actually pay it off.
    I've not seen a title pawn company sue anyone as usually they are happy to get the car but ... Just ask them if they wilt she it back and relieve you of liability.

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  • In Alabama, can I be held responsible for my spouse's medical bills incurred before we were married?

    My wife incurred some medical bills from before we were married at a hospital in Alabama, and it was sent to a law firm for collections. This collections acct has NOT sought a judgment yet, because I am making monthly credit card payments of l...

    Lois’s Answer

    The answer to that question could be, "Did you signed a contract obligating yourself? Do you have joint assets? Do you have a joint bank account a creditor can garnish? If any of these are affirmative you could find yourself with a problem in the future like an emptied bank account or a lien on your real estate. Perhaps she can hire an attorney and file a form of bankruptcy if she has a lot of bills?

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  • Help with taxes/divorce issues

    My husband and his ex wife both owe the IRS $. She didn't work any last year and the $ owed was from when they were married but she is saying she isn't gonna pay any of it and the IRS won't hold her responsible. They filed together when this happe...

    Lois’s Answer

    If she never works or has any assets there is nothing there for the IRS to garnish or levy. He could well have to pay it all. What do the divorce papers say about the tax debt and about claiming the children? Also if it is a lot of tax debt he could try a Chapter 13 / possibly a Chapter 7 bankruptcy or an Offer in Compromise. He could possibly take her back to court for contempt and get a bargaining chip to get her to agree to his
    claiming the children if she was supposed to pay 1/2 the tax debt for example. There are a lot of different things to look at.

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  • Can a creditor keep garnished wages on a garnishment filed after my chapter 7 discharge, if they didnt get notice of my bankrupt

    I filed a chapter 7 but my attorney forgot to include a creditor that had a judgment against me. After I got my discharge, the creditor filed a wage garnishment and got $734. They immediatly dismissed the garnishment but have not returned the mon...

    Lois’s Answer

    My first question to you is and I always take pause with this one is your attempt to blame your attorney. Didn't you read and sign your bankruptcy paperwork? Depending on how long it has been possibly you can reopen or add the creditor also if the case isn't closed. There is a difference in the timing of a discharge and the actual administrative bankruptcy closing.
    Next it might be a jurisdiction specific question as your judge and the value of your assets may well determine whether or not you owe this money.
    My suggestion would be make an appointment immediately with the attorney that filed your bankruptcy and ask him what to do, and/ or make an appointment with a consumer law attorney in your area to look at all of your documents and see if there is something that can be done. If you can't afford an attorney try legal services as they may have a consumer law attorney that can help you with this matter.

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  • Can i stop garnishment after it has started?

    im getting garnished and want to know if i can stop it after it has started.

    Lois’s Answer

    There are several ways to stop a garnishment. You need to meet with a consumer and/or bankruptcy lawyer to discuss your options. For example you could possibly stop it if your only income is social security. You could also file a debtor court (Chapter 13 or Chapter 7). You could possibly contest it for various reasons.

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  • Can a person be prosecuted, if they fail to repay a personal loan.

    I let a friend borrow 480.00,but he failed to repay the loan after asking hi to on several occasions.

    Lois’s Answer

    No but you can sue him in Small Claims Court Jefferson County fifth floor. They have forms for a pro se litigant to pick up and use.

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