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Jonathan Gregg Stein

Jonathan Stein’s Answers

116 total


  • Car Repossession, please advise

    I have a car that was repossessed. I am still paying car insurance on the car. I also have gap insurance for the vehicle. They have sold the car and I do not have the money to pay. My question is, can the gap insurance be used to pay off the remai...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    This is a great question. The answer is that it cannot because the GAP coverage only provides for payment if there is an insurable loss. Repossession is not an insurable loss. But, I like your thought process and effort to get this covered.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Family Member Died in Accident on motorcycle.

    My Family member died in a head on collision. He was on a Harley, and hit a Big Rig. The bike was impounded. It was financed, and insured. We attempted to get the bike, but were told only the registered owner could do that. The registered ow...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    I am sorry to hear about your loss.

    The insurance company should move the vehicle out of storage. But, a phone call to the tow yard explaining you want to release it to the insurance company will work as well. Let the bank know about the collision, but they will deal with the insurance company.

    Please let me know if you have any further questions.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Car repo payment balance

    I voluntarily surrendered my car in Oct 08. Car was sold at auction 12/10/08. Balance notice sent to me for $6850 with demand for payment within 30 days.I am in California,do I have any options? Do not have any savings, bank account of other means...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    Start simple. Send them a debt validation letter. You can find a sample at my website, www.californiadebtblog.com. If they get back to you and can validate the debt, then you should let them know you cannot pay them. If they sue you, file for bankruptcy.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • False Judgement Filed against me, I think

    A lawyer representing a debt collector put a freeze on my bank accout. I obtained a copy of the restraining order from my bank. On the top it told me the county of NY state and city for which the judgement was being held as well as an Index No. I ...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    The judgment is probably more then 7 months old. That is how they obtained it in NY. The question is whether it was properly obtained in the first place. If the judgment is proper, they can execute on your assets in CA. If the judgment is not proper, they cannot do anything. You need to get a complete copy of the file in NY. I know the clerk says there isn't one, but I have had clerks tell me that my files do not exist either when I have a copy of it in front of me. Someone needs to go down to the courthouse and search for it.

    You should retain an attorney in NY to do this for you.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Bank account frozen because of an unpaid lien for employer

    My sister is a carfegiver for a paraplegic woman. She gets paid once a month from the woman. The state deposits into woman's account, then bank tranfers the payroll amount into my sisters acct. The bank froze the funds in my sisters acct. (for an ...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    You need to retain an attorney. The bank must have received a notice of the lien and an execution on the woman's money. Since her name is on the account, the bank froze those funds. So far, the bank has not done anything wrong. You need to prove to the bank that the money is your sister's and not the woman's money. But you need to do it ASAP as there are short timelines for doing this.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Hit and run

    My car was totalled while parked in my driveway. The drivier of the vehicle that hit my car is on social security. Can I sue someone who is receiving social secuirty benefits, and she had no insurance.

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    I agree with Mr. Okorocha. You can sue but collecting is a whole different thing. Collecting would be difficult, if not impossible. You would be better off reporting this to your insurance and letting them pay you for the damage and then they can go after the other driver.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Can a mortgage company put a lien on my primary home if I default on investment property mortgage

    I am going into my first month where my payment increases on a investment property that I bought that is an ARM type loan (interest only). I have had the home 3 years and bought it when the market had peaked and now am unside down. I want to sto...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    You may be able to keep the money. If you are renting it out, you should talk to an attorney about a loan modification. That is going to be your best bet.

    If you are sure you want to walk away, the bank can come after you if this is a recourse loan. If you used the money only to buy the home, then it is a non-recourse loan. But if you took out any cash, it is a recourse loan and they can come after you.

    Please let me know if you have any further questions.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • MEDICAL INSURANCE

    WE ARE AN OUT OF NETWORK SURGERY CENTER AND SOME INS COMPANIES WILL SEND PAYMENT TO THE PATIENT. WHAT ARE THE STEPS TO COLLECT THIS DEBT FROM THE PATIENT? CAN WE SUE THE PATIENT? AND HOW CAN I DO THAT? PLEASE GIVE ME SOME ADVISE.

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    If payment is sent to the patient, you should first send a letter to the patient and ask for payment. Then your attorney should advise you on the next steps. It is going to depend on a variety of factors that cannot be discussed on this medium.

    Please let me know if you have any further questions.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Credit Card Consolidation or Filing BK- which is better in my case?

    Is credit card consolidation a real miracle or will it not work in my case? I have nearly $50,000 in credit card debt (aside from a school loan that is in deferrment) and want to know what to do because there is no money left for keeping up with p...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    Credit card consolidation does not work. You need to file for bankruptcy. Talk to a bankruptcy attorney near you as soon as possible.

    Please let me know if you have any further questions.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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  • Money loaned to friend-how to get back

    I loaned approx $150k to a friend(unsecured). Money was to be used in new projects(spec. home building) and I receive profit upon completion. Friend used money instead to pay on other projects(fees, permits, etc). He is no longer in business, cann...

    Jonathan’s Answer

    Thank you for your question and I look forward to assisting you. Please keep in mind that I can only respond to your post and the information contained in it, as I do not know what you know unless you have put all of the information in your question. Also, there may be future facts that are as yet undetermined in your matter, that can and must leave some areas of information provided by me broad in nature. However, don't hesitate to ask for clarification if needed! That being said...

    You need to retain an attorney to sue him ASAP. The longer this goes on, the less likely it is that you will ever see any money.

    Please let me know if you have any further questions.

    Legal Disclaimer. By requesting this information, you expressly agree to the following: The information given is not legal advice. You should not and may not rely on anything on this website as legal advice. I am neither establishing nor accepting an attorney-client relationship. The only method of gaining an attorney/client relationship with me is via a retainer and signed fee agreement, which is not offered via this site. I am providing only resources, opinion and information for you to be informed and educated about your particular rights and needs. My answer is limited to the facts presented with the understanding that you will do your proper due diligence and appropriate follow up with an attorney licensed in your state. I also am licensed to practice only in California, which may not be the state where this information is being provided or state whose law would apply, if any. I strive to provide quality information, but I make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in or linked herein and its associated sites.

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