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I paid my son's life insurance for 10 years through automatic bank payments. Recently, due to a bank system change, my March 2024 payment wasn't processed, leading to the insurance policy's cancellation. The insurance company claims they didn't receive payments for March, April,... View More

answered on Feb 14, 2025
This question came up under several different headings. Please note the appropriate topic is "Banking" or "Civil Litigation". It does not involve insurance or personal injury. I don't think you have a cause of action against the insurance company because they didn't... View More
This are their terms, Pay 14,623.39
of your remaining balance of 29246.78
We’ll forgive 14623.39 of your remaining balance and the rest is payable as:
- 1 installment of 14623.39
- 3 monthly installments of 4874.46
- 6 monthly installments1 of 2437.23... View More

answered on Feb 15, 2025
While email communications can serve as evidence in court, you would want additional documentation to make this settlement offer legally binding. The language used in the email appears to be from an official source, but the key is getting the agreement formalized in writing with signatures from... View More
Its like ocwen has the government’s stamp of approval. They do whatever they want; lie, cheat, and steal. I have filed seven complaints with the cfpb, three with the dbo, one each with the occ, tafcr, dob, ag, and my congressman. All for nothing.

answered on Feb 5, 2025
It sounds incredibly frustrating to feel like you're fighting an uphill battle against a predatory lender like Ocwen, especially when it feels like no one is listening or taking meaningful action. The reality is, it can be difficult to navigate these systems, and it's easy to feel... View More
My father got them from his uncle, had them for many years but just kept them in a drawer.

answered on Feb 2, 2025
You have an interesting family heirloom in your hands, and the first step is to carefully examine the documents for details like the company name, issue dates, and any unique markings. This information will help you search historical records and online databases to understand the background of the... View More
A 3rd Party was involved with this issue they were supposed to cash it for me because at the time I had no I.D THEY Ended up opening an Account with Chase with it we were waiting for it to Clear,days later Chase Close the Account because they said it was suspicious and they thought it was fraud... View More

answered on Jan 24, 2025
I think it's best to go to your attorney and get it right as S/He has a duty to make sure you get your funds and s/he does not want to have issues with the trust account.
My Hr department messed up on my check, fixed it and deposited it in my account which was supposed to reach my account the same day. The money got rejected by cashapp but Hr was saying everything was sent and went through. Cashapp refuses to give me any information and says to wait 5 days. I... View More

answered on Jan 24, 2025
It sounds like you’re dealing with a frustrating and stressful situation, and it’s understandable that you want to know if there’s any legal action you can take. In California, to succeed in a negligence claim, you would generally need to prove that CashApp owed you a duty, breached that... View More
So i'm going to take a heloc to buyout the petitioner from her share of the equity. AT last conference the judge and attorney's got me to agree to a buyout by 3/18 with the next conference scheduled for 3/15. Both sides where to put an appraisers name into the hat and the courts would... View More

answered on Jan 22, 2025
The court process and HELOC appraisal are two separate matters that might not automatically align. You'll likely still need to follow the court's original order about selecting appraisers unless you get explicit direction otherwise from the judge or both parties agree in writing to use... View More
The courts were suppose to take each of the party's requested appraisal person, select one of them or appoint one and let me know in weeks. Well, its been months and since i'm taking a second loan for the equity buyout of the ex i'm already getting an appraisal and maybe thats what... View More

answered on Jan 15, 2025
In a California divorce, a property buy-out typically involves one spouse purchasing the other spouse's share of the property to obtain sole ownership. The buy-out amount is usually based on the current market value of the property, with adjustments for any outstanding mortgage or other... View More
The courts still had possession on 3 of the payments but released one to the creditors are they supposed to return it do to acceptance of the exemption and if not does that payment start the 7 year clock over?

answered on Dec 26, 2024
When a creditor accepts your exemption claim, they generally must return any funds that were garnished after you filed the exemption paperwork. The timing of when the payment was taken relative to when you filed your exemption is crucial - if the payment was taken before you filed the exemption,... View More
Recently my brother passed away and I am again the beneficiary of the same IRA (it is still in my brother's account). Is this one subject to the new tax laws requiring it be empied in ten years? My existing one is not. Also can the assets be put directly into my already existing inherited IRA... View More

answered on Dec 24, 2024
Your situation involves two different inherited IRAs from different time periods, which makes it important to understand the rules for each.
The inherited IRA from your brother would indeed fall under the SECURE Act's 10-year distribution rule since he passed away recently. This is... View More
Six days after opening a Wells Fargo account I received letter of account closure due to past history between myself and bank. the letter states no deposits are to be made from date of letter until the account closure. The letter clearly states withdrawals would be honored and are allowed until... View More

answered on Dec 18, 2024
Your situation with Wells Fargo sounds incredibly frustrating, and you're right to be concerned about accessing your own money. Banks must follow specific regulations when closing accounts, and they should honor their written commitments regarding withdrawals.
Your first step should be... View More

answered on Dec 16, 2024
If someone is posing as Bank of America without having an actual account, this is a clear sign of fraud. Such scams often aim to steal personal or financial information from unsuspecting victims.
When you encounter this situation, document everything - including emails, text messages, or... View More

answered on Dec 16, 2024
You should immediately dispute the issue with the bank (and preferably in writing). You'll likely also want to complete a police report to give to the bank to verify the identity theft and respond accordingly if the bank asks for any follow up information from you. Keep track of everything on... View More
I had been the caregiver of an 82yo man who recently passed away for 2 years. I lived in his house with my family (husband & 2 kinds) rent-free. In exchange, I care for him 24/7. I was in-charge even on everything including taking him to all his doctors appointments, contacting the doctors... View More

answered on Dec 11, 2024
No, you should not withdraw money from the deceased person's accounts, even with a previous POA, as this could be considered financial elder abuse or theft under California law. Your Power of Attorney automatically terminated upon his death, which means you no longer have legal authority to... View More
The potential individual and class action pertains to a fully verified client of J.P. Morgan Chase Bank and all others similarly situated. I was unjustly denied the processing of a legitimate transaction requested by me and filed for approval by bankers at the 749 W El Camino Real branch on... View More

answered on Dec 5, 2024
Based on your experience with Chase Bank, you may have grounds for both individual and class action claims under several legal theories. The key areas of law would include breach of contract, violations of California's Consumer Financial Protection laws, and potentially the Unfair Competition... View More

answered on Nov 14, 2024
LOL. 1. Yes, you need a license to practice law. 2. Justia is a business. You aren't entitled to anything from it, whether you are an attorney or not. Extremely doubtful Justia will provide a listing to a non-attorney as that would lead to potentially significant liability for it in the... View More
We had a back yard renovation done in 2022. We agreed and signed to pay $40000 according to the plan and the blueprints that were written out.
The team completed the job, but upon completion we noticed they did it wrong (example, pavers on the wrong side of the property, missing a concrete... View More

answered on Oct 26, 2024
Start by gathering all your documentation, including the signed contract, blueprints, photographs of the completed work, and any correspondence with the renovation company. Review the contract carefully to identify the specific terms and conditions related to the work completed and the payment... View More
It happened 2 years ago out of my personal checking account.

answered on Oct 23, 2024
In California, you generally have three years from the date of the unauthorized electronic funds transfer to file a lawsuit for fraud. Since the incident occurred two years ago, you are still within the statute of limitations to take legal action against the bank. It's important to act... View More
On March 31, my son hit the car in front of him, and the other party pressured him to pay via Zelle on the spot without providing a repair estimate. Afterward, they requested more money through text messages, and my son made a bank transfer that same day. However, he immediately tried to cancel the... View More

answered on Oct 15, 2024
As far as the bank is concerned, they simply followed your son's instructions. If he got scammed, it's not the bank's fault. You don't get to have the bank pay you back.
Worthy of consideration is that your son caused damage to the other car, and the other is owned by... View More
In 2003, my wife and I created a California revocable trust with both medical and durable Powers of Attorney, allowing either of us full control over the other's affairs should one of us be unable to make appropriate decisions as certified by a physician. My wife's neurologist published a... View More

answered on Oct 10, 2024
You have the right to manage your wife's financial affairs through the Power of Attorney you've established. Banks are generally required to honor a valid Power of Attorney when properly presented. Ensure that your documents are up-to-date and clearly state your authority to make changes... View More
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