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Arizona Banking Questions & Answers
1 Answer | Asked in Tax Law, Banking and Education Law for Arizona on
Q: If I got donated a tax credit for a school trip but the trip got canceled do the tax credit dollars I got have to go

Back to the schools general fund or can they be moved to a specific school club that accepts tax credits? The tax credits were donated in my name so wouldn't I be able to request where they are going?

James L. Arrasmith
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answered on Dec 25, 2023

When a school trip is canceled and you've received tax credit donations in your name for that trip, the handling of these funds can vary based on the school's policies and the specific tax credit program. Generally, tax credit donations are earmarked for specific purposes, and any... View More

1 Answer | Asked in Banking and Elder Law for Arizona on
Q: My father-in-law is being abused financially. His wife took 300k He needs $ to attend his daughters celebration of life

Can we call the police or file an order so he can regain his 50%

James L. Arrasmith
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answered on Nov 12, 2023

In Arizona, if you suspect financial abuse of your father-in-law, you can indeed take action. First, consider reporting the situation to the police, especially if you believe a crime has been committed. You can also contact Adult Protective Services in Arizona, as they investigate cases of elder... View More

1 Answer | Asked in Banking, Business Law and Contracts for Arizona on
Q: I thought I canceled a free subscription that turned into a purchase of software and the $ was automatically taken.

I don't have any reason for the software, but I do need the $ that was taken.

Tim Akpinar
Tim Akpinar
answered on Jul 18, 2023

An Arizona attorney could advise best, but your question remains open for two weeks. You could reach out to consumer law attorneys to review your options, based on the terms of the agreement. Good luck

2 Answers | Asked in Bankruptcy, Banking, Civil Litigation and Collections for Arizona on
Q: Is there anything I can do about a bank that allowed an LLC account to be closed despite a granted Charging Order?

I obtained the interest in a one member owned LLC by Charging Order. The LLC contained tens of thousands of dollars, but the the bank disregarded the Order and allowed the member to close the bank account. The Order specifically stated my interest in the money within the account. The member no... View More

David H. Relkin
David H. Relkin
answered on Apr 23, 2023

A common charging order issued against a Bank holding funds in a bank account of a judgment debtor can render the Bank liable when it allows the account to be depleted by anyone other than the Court or without the consent of the judgment creditor -- in this case, you. I have successfully collected... View More

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3 Answers | Asked in Estate Planning, Banking and Probate for Arizona on
Q: Is the beneficiary on the deed to my deceased sister's home obligated to reimburse me for a mortgage payment?

My sister had a beneficiary deed on her home in Arizona. The beneficiary is an ex-friend who is also the named executor of her estate. The mortgage was being paid through automatic payments from an account in South Carolina.(where she used to live) I am the beneficiary of that POD account. Because... View More

James L. Arrasmith
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answered on Mar 2, 2023

As a beneficiary of the POD account, you may have a claim to the funds in the account. However, whether the beneficiary of the deed is obligated to reimburse you for the mortgage payment may depend on the terms of your sister's estate plan and any applicable state laws.

If your...
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1 Answer | Asked in Divorce, Family Law, Appeals / Appellate Law and Banking for Arizona on
Q: I went through a divorce I couldn’t afford a lawyer all the things that my x wife acused me of were all lys for 38 year

The judge ordered everything in half but she has two bank accounts she didn’t put on table and I was the one paying for everything i didn’t know that she is a covert narsiste I was Being abused for20years and everything was about my youngest son and I didn’t even get the chance to say that I... View More

Stephen M Vincent
Stephen M Vincent
answered on Dec 29, 2022

I'm not entirely sure what you are asking.

If you discovered bank accounts that were not included in the Decree, you can ask the Court to revisit the Decree and include them as after-discovered assets.

If you feel you were shortchanged because you didn't have an attorney,...
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1 Answer | Asked in Banking for Arizona on
Q: what can i do about asking some1 if they could buy me a bus ticket, and they give me their card info. but say i didnt

now they are taking me to court saying i didnt have permission

Ana Maria Del Valle-Aguilera
Ana Maria Del Valle-Aguilera
answered on Jul 22, 2020

You do no say if you are being sued by the card holder, the credit card company or the bank in civil court, or if criminal charges have been brought against you. If you used someone else's credit or debit card with their permission, and you are able to prove this, then you were authorized and... View More

1 Answer | Asked in Banking, Estate Planning and Probate for Arizona on
Q: I have money in my bank that is not mine how long until it is mine?

I acted as the executor for my father's passing. Because of covid my siblings could not be present for collecting his estates. I told them I would send there part once it's in my possession. I now have it in a bank account ready to go but they have not given me the information to transfer... View More

Nina Whitehurst
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answered on May 9, 2020

You can never claim it as your own. If you are unable to find the true owners within three years you must turn the money over to the state.

1 Answer | Asked in Banking and Criminal Law for Arizona on
Q: Can I be sued for Criminal Intent to Defraud a U.S. bank over credit card debt from 2010?

A collections agency is calling and threatening legal litigation

Stewart Salwin
Stewart Salwin
answered on May 3, 2020

There is a state and federal statute of limitations for criminal offenses. The general Arizona statute of limitations for felonies is 7 years. The general statute of limitations for federal crimes is five years. These time limits can vary depending on the exact crime at issue. Beyond this... View More

2 Answers | Asked in Estate Planning, Banking and Elder Law for Arizona on
Q: I have a General PoA for my elder dad, but bank requires a Durable poa. How can I get one if he's not cognizant?

He is currently hospitalized, but will be returning to long term care facility, and probably shortly, Hospice. His bank is requiring me to obtain a Durable PoA, but, obviously, I won't be able to get that prior to his passing. They said there are other instruments? My brother and I are... View More

Ryan K Hodges
Ryan K Hodges
answered on Dec 2, 2019

If you dad is in Pennsylvania, then you should probably consult an attorney there regarding options. In Arizona, most attorneys draft all POAs as durable one, but the law may be different in PA.

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2 Answers | Asked in Contracts, Banking, Collections and Lemon Law for Arizona on
Q: What makes a contract void or voidable in AZ
Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jul 26, 2019

Void and voidable are not the same thing. Please explain what you want.

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1 Answer | Asked in Social Security, Consumer Law and Banking for Arizona on
Q: I am on social security disability my mother has been my payee i have noticed more and more money coming up short bills

Not being paid tried getting info about my account only to find outonly she has access to the account and only she can make any changes or access statements what can i do i am now homeless her and my brother just tell me i don't have any money left the only bill thats paid is a 33 dollar... View More

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jul 5, 2019

If you have reason to suspect that the payee on your Social Security Disability account is either not giving you sufficient walk-around money to use, or is spending your benefits on things other than your living expenses you should contact the Social Security Administration; there is probably a... View More

1 Answer | Asked in Banking, Contracts, Family Law and Probate for Arizona on
Q: I was told by bank on phone inquiry I made about a checking account balance then they tell me I had a savings also mine.

I didn't have time for asking for the finding out more about some sort of account that I was beneficiary or some kind of account from a will. I didn't get the information about account number or any info about this account, just told on phone call to the banks 1800number, then I went to... View More

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Jun 17, 2019

The bizarre story has all the markings of a scam in the making. Why? Because reputable banks do not just call people on the phone to discuss their bank accounts--especially if the person called has no idea they had the "accounts."

1 Answer | Asked in Banking for Arizona on
Q: In Arizona if I buy three annuities from three different insurance companies of $250,000 each, does the state guarantee

Fund cover $750,000 if all three companies go bankrupt, or does the fund only cover $250,000

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on May 7, 2019

Before you invest $750,000 you really need to ask each insurance company for all the (required) information they have that answers and explains this exact question.

Caveat: There is no such thing as state or federal "guaranteed deposit insurance" when purchasing any insurance...
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1 Answer | Asked in Banking and Collections for Arizona on
Q: I just found out my bank is going through a process server. Unknown to me the bank had been using a debt collection

agency but they told me they were from my bank. When I called my bank about them and gave my bank the number they called from, my bank informed me that the numbers were fraud and not to deal with them. At the time my bank was having an issue with fraudulent calls posing as the bank trying to get... View More

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Apr 5, 2019

Whether you know it or not, you are avoiding the most important issue here by confusing it with a completely different unrelated issue that probably does not concern you.

First advice: If you owe any money to the bank and have not paid it back, the bank most likely sold the debt to a...
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1 Answer | Asked in Car Accidents, Personal Injury and Banking for Arizona on
Q: My son was hit by a car when 7 i settled out of court for a secured cd account for when he turned 18

At first settlement was for 3,000 when he turned 18 he got 4,000 plus i guess he says the intrest was 250. Or around there he claims for the ten or elen years it sat in bank he should of recieved thousands more from intrest he says i robed him and was wronged was he wronged by bank or is this how... View More

Tim Akpinar
Tim Akpinar
answered on Feb 10, 2019

It sounds like you acted with the best of intentions in handling the award. From your description, it looks like you may have settled the case yourself. Even if an attorney was involved in handling the award under an infant comp order, it's hard to say if they would have done better with a... View More

1 Answer | Asked in Banking, Business Law, Civil Litigation and Contracts for Arizona on
Q: We are representing ourselves in a litigation case against a home servicing company.

We are at the stage of opposing side asking to dismiss. The judge denied their request 3 times, One of the approved was the Breach of Contract to include a few other charges. I now need to follow up doing a rebuttal I believe it is called to the ones that the apposing side has defended requesting... View More

Michael Gerity
Michael Gerity
answered on Mar 16, 2018

Hello. I hate to say it, but this goes WAY beyond the kind of legal advice you should be seeking on an online question and answer forum. It's not really even clear whether you are the plaintiff or defendant, and it's nearly impossible to address issues relating to dismissal without a... View More

1 Answer | Asked in Banking and Probate for Arizona on
Q: My mom past away in may of 2017. I have a sister and brother that have not been involved in her life since 2001.

I have been the only one taken care of her we lived together for since 2010. She had no will. I can't close her bank account because my brother feels he's entitled to the money. Mom left a letter but didn't sign it stating the two of them were to get nothing that she had no son as... View More

Peter H. Westby
Peter H. Westby
answered on Nov 24, 2017

If your Mom was unmarried at the time of her death and had no will, her estate passes to her children in equal shares under Arizona law. Since the affidavit procedure did not work for you, the next step is to open a probate. I recommend speaking with a probate attorney to learn more about this... View More

1 Answer | Asked in Estate Planning, Banking and Securities Law for Arizona on
Q: Can people be removed from a TOD annuity account?

3 children set up with a transfer on death stocks account. Account owner wants to remove 2 of them. Is it possible?

Kenneth V Zichi
Kenneth V Zichi
answered on Jun 22, 2017

Assuming this was done as a way to name beneficiaries, and also assuming the owner is of sufficiently sound mind to make such a decision, of course.

If it is a trust account based on a document, you can't just change the designation at the broker but you have to also change the trust....
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1 Answer | Asked in Banking and White Collar Crime for Arizona on
Q: Chinese company wants me, U.S. citizen, to collect money from U.S. companies and then wire it to their U.S. businesses.

They say it would cost too much money to have the money owed to them from North American company wired back to China and then re-invest back into an American Business. They called it a receiving agent. Would this practice be legal? It sounds like laundering to me.

Jingzhan Wang
Jingzhan Wang
answered on Apr 10, 2018

what's the company's business? why they need to have the money back to China befor re-investing into US

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