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Lois R Beasley-Carlisle

Lois Beasley-Carlisle’s Answers

189 total


  • We have a serious problem with a gentleman claiming to own our church. Can a letter from an attorney help us?

    He is an inactive member of the church. In 1994 a warranty deed was done with two names listed as trustees for the church. One of the men signed an affidavit of possession along with two others in 1998 that all the property belonged to the church....

    Lois’s Answer

    Sounds like more than a letter might be needed. You might need an attorney to respond to litigation and/or file an action to quiet title if it comes to that. Have him produce whatever documentation he says proves his ownership and take it to an attorney to review.

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  • My landlord is evicting his tenant dued to renanvation can he do that.?

    He won't move us in another one of his buildings

    Lois’s Answer

    Have the premises you are living in become unsafe? You can file an answer if they are safe, that your rent is current, etc. that your lease is not up when he files a complaint with the court or you can hire an attorney to do this for you. What you file in an answer will depend on the complaint filed. The court will set it for trial and have a hearing.

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  • Statute of limitations on a credit card debt

    I received an email from a creditor 2 days ago saying I owed about $2,000 to Chase. I called them as I have nothing on my credit history, and they let me know it was from an account that I last paid on in 1999. They kind of cornered me into a se...

    Lois’s Answer

    The statute of limitations is generally 3-6 years from the date of your last payment.

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  • I was wondering is there anyway i can surrender my car loan or file bankruptcy with out hurting the co signer?

    the co signer is my grandpa and hes not wanting to mess up his credit score

    Lois’s Answer

    It may be that you can restructure or bankrupt on your other debt to enable you to keep this car. Feel free to make an appointment with myself or another bankruptcy attorney to do this. If you surrender the car it will hurt your grandfathers credit.

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  • Question about Statute of Limitations on debt...

    If I pay for six years upon a debt, does the debt become barred after six years? I told the creditor this, however, they came back and said that the SOL does not apply because I have been paying it for six years? Can someone explain the SOL ...

    Lois’s Answer

    The SOL is 3-6 years from your last payment usually depending on the state and type of debt and depending on who is collecting it. There are some debts that have a longer SOL such as child support, taxes and criminal restitution. If the debt is overwhelming you, you might want to contact a bankruptcy attorney.

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  • I bought a used audi from a license dealer he said I couldn't get a warranty sold as is 30 miles down the road engine blew up.

    The guy told me to contact him if I had any problems so when the oil pressure light came on 10 miles down the road I called him and he said audi do that in cold weather then the engine blew up. The radio quit working two tires blew and sunroof qui...

    Lois’s Answer

    Hire a lawyer immediately. You can do something about this in all likelihood.

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  • I obtained full custody of my 3 year old son in 2012. The mother keeps telling me she is going to take me back to court.

    I have full custody of my son. The mother is only allowed to see my son every other Saturday, but while being supervised. I let her see him more often though. Will that be a bad thing if she took me back to court? She was ordered to pay child su...

    Lois’s Answer

    Depends. Since you have been letting her see him more often she may get an order for more visitation. You can tell her you are going to counter petition or even tell her that you are considering petitioning for Rule Nisi for Contempt for her non payment of child support. It's hard but not impossible to get custody reversed. She's not in a very good position to get custody when she hasn't been paying child support. I would argue if she can't help support a child she sure can't take care of the child. There are many factors to take into consideration when considering this. For example if you were doing drugs, drinking and driving with your son in the vehicle, living on the street with no home, or doing something else illegal then you could loose custody.

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  • How do i file for a Claim of Exemption for a auto wage garnishment?

    I surrendered a vehicle in 2009, just received a notice that my wages are about to be garnished by 25%. How can anyone survive taking that kind of pay cut when I'm already struggling pay check to pay check. I paid on the truck for 3 years and then...

    Lois’s Answer

    Go and talk to a bankruptcy attorney immediately.

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  • Social Security Disability and Bankruptcy.

    I am living on Social Security Disability and I would like to file bankruptcy. Can I get this at a reduce rate or file with the courts for free?

    Lois’s Answer

    See if they have a legal services or volunteer lawyers around you to help with this. You can really mess yourself up trying to do this by yourself trying to get it for free. Bankruptcy is not something to file without knowledge of that law.

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  • Need help defending myself against National Collegieate Trust LLC, company that bought my private loan

    I took out a private loan with a company called Teri Ed. to help with my college expenses not associated with school in 2004. My grandfather co signed. I graduated in 2007 and began paying on it. In 2009 a new company called NCO asked me start pay...

    Lois’s Answer

    Here in Alabama we could file a composition case and you could pay what you could afford. They will be still owed when you get through but at least it will get them off of you. Go see a bankruptcy attorney in your area immediately to keep from being garnished.

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