Archived
Mortgage company is preventing us from refinancing with another mortgage company. Currently we have an interest only loan at 7%.
Daniel's answer
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Answered on August 27, 2015
It sounds like they are either quoting an inflated payoff, engaging in negative credit reporting, or both. Consult a consumer lawyer immediately. ...
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Archived
PAYDAY LOANS
Daniel's answer
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Answered on August 27, 2015
Threats to charge with fraud are indicative of scammers who have no legal right to collect any loan you may have. Report them to law enforcement...
Archived
I went to court for a OUTSTANDING MEDICAL BILL which was dismiss by the judge. The attorney had my check garnish anyway.
Daniel's answer
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Answered on August 26, 2015
There are several potential claims, but each has a statute of limitations, and all are less than five years. If anything occurred within the last...
Archived
Buy here pay here auto. Can I take them to court?
Daniel's answer
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Answered on August 26, 2015
Yes. A merchant who sells a car or other goods warrants that it has and conveys good title to it. This warranty requires the merchant to provide...
Archived
Can Well Fargo Bank legally do this?
Daniel's answer
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Answered on August 26, 2015
With exceptions not applicable here, a bank has a "right of setoff" that entitles it to offset funds a person has on deposit against a debt it is...
Archived
Defaulted on online payday loans
Daniel's answer
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Answered on August 25, 2015
Threats to pursue criminal charges are indicative of scammers who have no legal right to collect any loan you may have. Report them to law...
State Farm has remove funds from my check account unauthorized, and has refused to refund the amount
Daniel's answer
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Answered on August 23, 2015
Notify your bank that the debit was unauthorized and demand that it be reversed. Confirm in writing. If the debit is not reversed, contact a...
Archived
I have a motorcycle that should have been repossessed but once it wasn't found the credit union's insurance company paid them
Daniel's answer
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Answered on August 23, 2015
The insurance company acquires the rights of the credit union. The statute of limitations on the debt is either four years, five years, or ten...
Archived
A few days ago I was a victim of mail fraud. I have applied on line to be a secret shopper. I got a job through the mail.
Daniel's answer
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Answered on August 22, 2015
A person who deposits a check in a bank warrants it is valid and good. Not the other way around. I am afraid you owe the bank the money. This is...
Archived
I was used as a reference by friend on a payday loan. I did not sign anything. Am I required to pay the loan.
Daniel's answer
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Answered on August 21, 2015
You are not obligated to pay the debt of another unless you signed a writing undertaking to do so. Direct the company in writing not to contact...
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