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Kentucky Banking Questions & Answers
3 Answers | Asked in Bankruptcy, Contracts and Banking for Kentucky on
Q: Son totalled his truck, insurance expired, owes 26K to bank. Junk yard won't take vehicle. Bankruptcy solve problem?
Lloyd M. Nolan
Lloyd M. Nolan answered on May 7, 2021

That would be one solution, assuming that bankruptcy makes sense otherwise. If he has low income, owns little or nothing, and has other significant deaths, this could be a reasonable option.

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1 Answer | Asked in Family Law and Banking for Kentucky on
Q: Is it legal for my guardian to keep the money from my paychecks after I'm 18?

My guardian is stating that they'll keep all the money I've earned over my time working since all of it is going into savings.

Timothy Denison
Timothy Denison answered on Nov 9, 2020

At age 18, demand an accounting and the funds!

1 Answer | Asked in Banking, Civil Rights and Constitutional Law for Kentucky on
Q: Its is a felony to wear a mask. Knowing it conceals a persons identity?
Timothy Denison
Timothy Denison answered on Jul 11, 2020

No. So long as the mask wearer is not engaged in any criminal activity.

1 Answer | Asked in Banking, Consumer Law, Contracts and Identity Theft for Kentucky on
Q: Is it illegal for a loan company to accidentally share your personal information with another person?

I had a personal loan, I paid it off in March or April. The loan company sent me the wrong persons original loan Note Agreement. Like I have someone else's original signature documents. Has personal info on it... I called the loan company to let them know and asked if my info was sent to the... Read more »

Timothy Denison
Timothy Denison answered on Jun 17, 2020

No, not if it was accidental!!!

1 Answer | Asked in Banking for Kentucky on
Q: Can a bank hold funds in your account after they suspend the account for any reason?

Recently had my account suspended for unusual activity. They want receipts of every transaction for 30 days. Problem is I have explanation/documentation of many transactions and the rest I don't have documentation. I can't access my account and getting no help from the bank. Thanks.

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Apr 13, 2020

Unless you cooperate with the bank they will never release the funds in the account--until they feel safe and assured there are no other problems headed their way. That might take a year or two...

1 Answer | Asked in Banking, Consumer Law and Identity Theft for Kentucky on
Q: Can I get in trouble if someone willingly gives their bank information to me but now wants the money back?

They gave me their bank information over messages so I could pay off my credit cards but is now wanting the money back or he’s taking legal action

Timothy Denison
Timothy Denison answered on Mar 4, 2020

Depends on whether it was a gift or a loan. Gift....no. Loan.....they can take legal action.

1 Answer | Asked in Banking, Business Law, Civil Litigation and Contracts for Kentucky on
Q: I live in the state of Kentucky where I own a business. I have had $1,400 stolen from me by the financial app venmo

Venmo is a popular app that is used to process financial transactions so that people can easily access funds online. Venmos reputation is littered with hundreds upon thousands of complaints about they're misleading policies and theft of funds for no reason. Venmo has stolen $1,400 from me that... Read more »

Timothy Denison
Timothy Denison answered on Feb 29, 2020

Contact an attorney immediately and look into filing suit against Venmo.

1 Answer | Asked in Banking for Kentucky on
Q: Have a question?

If you have an a baking account active for over a year and then you apply for a loan at US Bank they say they’re from then they mobile deposit thousand dollar check and then come to find out it’s fake and the bank gave me 30 days to close my banking account

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Aug 24, 2019

Rather than explaining what happened to you and why, here is the bottom line: In modern-day America if anyone does anything at all to accept, cash or deposit checks--or wire transfers--that turn out to be fraudulent the receiving bank WILL either freeze the account and all money remaining in... Read more »

2 Answers | Asked in Banking and Federal Crimes for Kentucky on
Q: I used a sugar dating site and some of my payments got rejected and others didn't and I'm worried the ones who didntwill

No further help needed

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 2, 2019

Although you did not ask the most important question, I will answer it anyway.

Doing what you admit you are doing may be looked at by some people who may be reading this as money laundering or some other federal crime involving the national banking system.

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1 Answer | Asked in Banking, Civil Litigation and Collections for Kentucky on
Q: How do I find out if a judgement has been passed against me?

Got sued by Zwicker & Assoc via Discover Bank Credit Card in January 2017. Tried to work things out between now and then and I just could never afford the payments. Now when I go to search FOR the case by my case # on the website it's like it never existed. What does this mean? Did they... Read more »

Timothy Denison
Timothy Denison answered on Jan 27, 2019

Go to the courthouse, have them pull the file and you will be able to see if they have s judgment and is so, what collection efforts are underway against you. You may want to hire a lawyer to help you try and settle the case.

1 Answer | Asked in Banking, Civil Litigation, Criminal Law and Consumer Law for Kentucky on
Q: Is a check that was agreed to be held that gets cashed by a business and returned as NSF a civil or criminal matter?

We wrote a check on march 9th at a car lot in Ky for a down payment that the manager agreed to hold until we got our tax refund. Their finance department wasnt told to hold the check and it went to the bank over that weekend and was subsequently returned as non sufficient funds, they were supposed... Read more »

Timothy Denison
Timothy Denison answered on May 1, 2018

The Lexington attorney is correct. If they agreed to hold it ( knowing the funds weren’t there and wouldn’t be there until later), it is a civil matter as you cannot defraud one who accepts a check knowing that the funds are not contemporaneously there.

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