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answered on Nov 15, 2021
What is your question? Insurance will pay off lender not you, as you are not the owner.
Read your Contract, but it is doubtful that you have any contractual rights for a refund.
Hire an attorney for a consultation after reading your Contract which you agreed to. I doubt Equity... View More 
I deposited checks into a different financial institution as the void date is near. I went to the bank and they stated there was nothing they could and referred me to a property claim website. In looking on the site there were no claims attached to my name. In speaking with the treasury department... View More
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answered on Nov 1, 2021
Cashier's Checks are the issuing Bank's own Note. Hire a very competent attorney to sue the Issuing Bank for wrongful dishonor, possible breach of contract, etc. You may have to sue the Bank in its own jurisdiction. Is the Bank still in business? It sounds like it folded and... View More
My father died 5 months ago and my mother is being told by her bank that she must file a small estate affidavit with the court before they will give her a "gold seal" that she needs to receive earnings from some stock my father owned. She has received conflicting stories from every... View More
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answered on Sep 21, 2021
The assets that are counted for determining whether the estate is under the small estate affidavit limit would NOT include the "jointly" owned house or vehicle, but there is a process that needs to take place to get those retitled.
The personal property and bank accounts of the... View More
Take out some cash to pay off some bills. I have approximately $60,000 in a retirement account another $30,000 in cash. What would be the best avenue to take in my quest? Your thoughts would be greatly appreciated.
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answered on Jul 13, 2021
If you put a Deed of Trust against that real property, the lender will foreclose immediately upon any default, not just non payment of the Note. I recommend not borrowing against the home and do not suffer a Judgment against you. The Judgment will be executed against the property.
there’s 3 different charges, one going back 3 years. i heard that they go away after “7 years off being on your credit report.”
answered on Feb 27, 2021
Broad question- "what happens to whom?"
A financial institution's "charge-off" is an internal accounting and regulatory function; a charge-off by your lender in no way affects or reduces your legal obligation to repay the debt.
The length of time an... View More
I lived in VA when the alledged credit card was used. They said that the account was paid on until 2008, which I deny, or if it was it was not from me.
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answered on Oct 20, 2020
Ten years from your last payment on the debt which is a breach of contract.
I called them to complain about this error and get the money back because they had left 3$ in my bank acc and they said 7 days to get a check... okay whatever 10 days later I called turns out they processed the check. I read TN penal codes and nothing discusses this issue only what the check cashed... View More
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answered on Oct 12, 2020
No.. You gave them a check, and they cashed it at their leisure. This happens all the time, and the payee is not breaking a law by negotiating the paper early. You could try to sue the payee for breach of contract, but it is not advisable.
answered on Sep 10, 2020
It likely does not mean that. Don't worry, it doesn't mean you weren't approved either.
You see there are different parts of a loan - origination and servicing.
Loan origination is the process by which a borrower applies for a new loan, and a lender processes that... View More
I settled over an $800+ bill in court and paid it off. Now the same collection agency on behalf of the same hospital, is saying i owe another $1900+ from previous service dates before the aforemention $800+ bill. Is this even legal? What should i do?
answered on Aug 11, 2020
Could be legal. Sounds like you only settled one bill. Without seeing the other bills, it's hard to say whether they can collection for various issues including statutes of limitations. Consult local counsel to best determine your options.
I was wondering if this would be a good place to start asking questions and if not, is there another chat forum that I could utilize to get a better understanding about this particular career field?
answered on May 18, 2020
The reason this free legal advice forum was created is to allow people who have legitimate legal questions to ask the Justia panel of experienced lawyers, who decide whether or not to answer.
So it seems safe to say that curious college students who want to "chat" with... View More
An example would be: tnbar@attorneys.org;
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answered on Apr 20, 2020
I have no idea what you are asking for, but start calling around for a lawyer to help you. Most attorneys will either help you or refer to somebody else that can. You can look around for websites, but you really need to talk to one either on the phone or in person.
Hi. i’m 19 and still living at home with my parents not by choice. my mother takes all of my money from my bank account preventing me from moving out. she also has forced me into giving her my information to my logins for my college classes and reads all my emails. is there any way i could sue... View More
answered on Mar 26, 2020
If your name is solely on the checking account then your mom is not allowed to take the money without your permission. If she does, it can be considered theft and you can call the police and report it. If it is a joint checking account with your mom's name then it is her account as much as... View More
The bank denied my despute. What can I do?
answered on Dec 11, 2019
Well first problem is why do you even have someone else's debit card? That is a big issue in this fact situation.
Someone came to my roommates house today and dropped papers off for me and it just so happen to be a civil summons in regards to a c.c bill I defaulted on when I lost my job. I know they can take whatever I own in order to satisfy a judgement but it also says that if I want property exempt from... View More
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answered on Nov 18, 2019
Hire a competent attorney that understands notes and exemptions. Few know how to exempt property, which is what you should do now and in the future for at least 10 years. The attorney should attempt to make the contract debt as painless as possible, then properly exempt your chosen personal... View More
Specifically Title 45 chapters 12 and 15 and Title 47 chapter 9 in TN state law. Using, not one set, of complete code guidelines, but pieces of all of them.
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answered on Sep 24, 2019
The contract can have whole statutes or partial statutes. It can be whatever the draftsman wants and the parties agree. Hire a competent attorney to examine it and see if it is enforceable, complete, unambiguous and non-contradicting.
foreclosure, because they owe $27,000. As the property owner what are my options?
answered on Sep 9, 2019
If the bank is threatening foreclosure- that usually means they have a lien on the property, and if you acquired that property by inheritance, you acquired the property SUBJECT to the Banks lien: this means that if you want to keep the property, you will have to pay the loan. You don't owe the... View More
I am a victim of Time Share Resale fraud. I reported it to the state of FL. Now some 3 or 4 yrs later I now have a company named Consult and Recover saying that I have been approved for slot 63 of 65 for a payout since the Fraudulent people have been caught. The money is in an offshore account and... View More
answered on Aug 5, 2019
From just reading your question, the first impression is that you're dealing with a scam. However, if that CA attorney checks out, then it may not be a scam. One would need much more information to make that determination.
Im liable for the money unless i truly believed the check was good? And i even offered to pay the bank back in installments if theyd draw up the paperwork, but he said no and now it's gonna be a lot more! Help!
answered on May 21, 2019
I believe I already answered this question when originally posted; and since you still do not understand why you are liable for the money that the bank lost on the bad check you deposited allow me to try again to explain.
1. All bank customers who deposit checks that later bounce are... View More
In the claus it says only won't be liable if i truly believed the check was good. I can prove i did. I thought I was being hired for a job.. Am i still liable? And how can I find a lawyer pro bono?
answered on May 21, 2019
Please. You do not need a lawyer; and you will never get one to take your case "pro bono." Why? Because proving that you "...truly believed the check was good" does not somehow make the check good.
FYI: Whenever a check you deposit bounces you must repay all the money... View More
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