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Kevin Mark Jones

Kevin Jones’s Answers

838 total


  • Does alabama have a law stating i must be notifyed of sale time an place of repossessed vehicle from loan company

    Loan company repossessed my vehicles an sold them an didnt notify me of sale time,place

    Kevin’s Answer

    Not necessarily, it would depend on your loan documents. They do have to give you a notice of redemption telling you when, where, and how much to pay to retrieve your vehicle after a repossession. But if you don't redeem your property, then they are basically free to sell it to recover what is owed. The loan documents you originally signed should have the information about this under a section or two about defaulting.

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  • What are the laws and procedures for getting out of these contracts without paying exuberant fees. Where will I find this info?

    I am needing to get out of a vacation club contract due to misrepresentation of facts. I live in Marion Ar contract co is in Branson mo.

    Kevin’s Answer

    the procedures for getting out of the contract will likely be in the contract, as an escape clause, or as a loophole. either way, you will need to take the contract to a contract attorney and pay them to review the materials and give you a list of options for terminating the agreement.

    This is why you should also have an attorney review the contract before you sign it.

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  • How long can they keep my account in "no check" status? What is the law in regards to checks; how long can they hold the check?

    I had an endorsement issue with a check that was deposited I'm my account over a month ago. The bank told me that they would be returning the check. However, it's been over a month, the check still has not been returned and my account is still fro...

    Kevin’s Answer

    I agree with the other answer posted. Send a formal demand from an attorney to force action.

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  • Can I saw the spouse for forgery in a civil law suit?

    My spouse forged on six of personal checks to pay off friends for business deals. The amount of checks range from $100 to $1000, and the checks were signed 3-5 years ago.

    Kevin’s Answer

    Depends on when you discovered, or should have discovered the theft. But, don't forget, forgery is also a criminal act.

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  • Does state law require them to have an active business license?

    I have a private student loan that is serviced by Pennsylvania Higher Education Assistance Agency also known as American Education Services. AES is the commercial branch of PHEAA. The student loan was taken out in Washington and I'm a resident...

    Kevin’s Answer

    Many states only require licenses for external companies which routinely and systematically conduct business within their jurisdiction. If they are no longer making new loans in Washington, but only continuing to collect on residents of Washington who may send their payments out of state, then a license may not be necessary. Read your loan application. Bringing suit on a loan is sometimes grounds for them to call the loan as immediately due and payable as it demonstrates a willingness not to pay on your part.

    Your plan may result in your loan becoming dismissed, or it may result in you owing a massive amount in a very short period of time.

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  • How do I get my sister and brother-in-law to repay the remaining $16,000 of their debt to me?

    Over a period of about 1.5 years, my sister and her husband have accumulated a debt to me of around $16,000. We had an arrangement in which they were authorized users on one of my credit card accounts, they would use it for their regular purchase...

    Kevin’s Answer

    "I need to know what action I can/should take?"
    The action you can/should take depends on if you have to sit across from them at Christmas dinner, or if you ever want to have a civil conversation with them again.

    The other answers said you can sue. Think long and hard to determine if you should? Sometimes it is better to pay the debt off yourself, and consider it the cost of the lesson learned to never loan to them again.

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  • Police are trying to establish whether this is Civil or Criminal. Is there any technicality that can resolve this?

    Divorced mom & dad live together for 8 yrs now. Mom made dad Financial POA then diagnosed with dementia 2014. Youngest child, 43, asked to move home to help care for mom, I do. 4 years later, mom is on hospice due to kidney disease & has less tha...

    Kevin’s Answer

    • Selected as best answer

    "Police are trying to establish whether this is Civil or Criminal"?? The police are going to ask the city attorney or county DA. What we say here is irrelevant to them.

    But it is clearly both, provided the facts are as you stated. 1) financial scams on the elderly are possible elder abuse (criminal). 2) Moving mom's money to own accounts is a breach of fiduciary duty and breach of a trustee duties (civil). 3) harassing dad (possible criminal misdemeanor depending on level of harassment.)

    You should look for an elder care attorney who can help establish a guardianship. You can also look to local legal clinics or charities which provide legal services to the elderly to help establish a guardianship.

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  • How would I go about getting an attorney to view my issue ?

    I would like to know how I would go about , taking a person I sold my vehicle too in the state of Texas of course to remove my name from the title .would like a resource if possible too seek an attorney to get the person to either give the vehicle...

    Kevin’s Answer

    This problem happens all the time. You sell your car to "Buyer." Mr. Buyer never registers the vehicle. Mr. Buyer drives around the toll roads and runs camera monitored red lights. You get the citations because the vehicle is still registered in your name.

    Complete a Texas DMV Notice of Transfer. It tells the government that the vehicle is no longer yours, and you are not responsible for its operation. You can even do it online here: https://vision21.txdmv.gov/Vehicle/MainTransferNotification.aspx.

    Just be certain you sold it, because a false filing with the government is a criminal act, and can cost you more than the red light ticket.

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  • Does a buyer on a car have more rights than a co-buyer

    I was asked to be a co-buyer but the dealership put me as the buyer because me credit was better without my consent. When questioned this the dealership said the buyer and co-buyer are the same. So I signed the contract. Asked for new contract wit...

    Kevin’s Answer

    If you signed the contract, then you are likely the buyer. If the co-buyer is not on the contract, then the dealer messed up by releasing the car to them. You may use that to your advantage, but it may also get your co-buyer in trouble for possessing a vehicle that is not theirs. I recommend you see a civil attorney in your area to review the deal and work with the dealer on your behalf.

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  • Can you get police reports from your local Mud company?

    Our Mud company holds monthly meetings where during the meeting, they ask us to leave the room so they can hold what they call an Executive session to deliberate the security reports from our local officers. They will not share any of the reports ...

    Kevin’s Answer

    • Selected as best answer

    The Texas Open Meetings code has a number of exceptions that allow for closed meetings for matters that would have a "detrimental affect" to the organization. Specifically Section 551.076 allows a closed meeting for security audits. The reason is that it would have little effect if, for instance, the 'public' knew the HOA was 'increasing security patrols between 10pm and 2am to prevent vandalism.' It would just make it easier for the vandals to avoid security if they knew when the patrols were occurring.

    You may be entitled to know about police action in your neighborhood, but that doesn't mean the HOA has a duty to inform you. Look into filing a public information request to get the reports directly from the police department if you really want them. You could also consider starting a neighborhood watch program. The local police are often very receptive to any help they can get in watching a troubled area.

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