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I made a payment a few days late (about 3 days)
And wasn't aware a late fee was applied so after making the standard payment I was hit with a 30 day late payment Even though I only didn't pay the late fee
answered on Aug 25, 2020
This is not banking, it is Contracts. Contact your bank, see what you can work out. Get out your loan documents and read them carefully, maybe the bank made a mistake. It happens. Negotiate with them to get some relief.
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But the bank keeps making me jump through hoops for her outstanding small line of credit. She had no insurance and I only get SS paying this bill is hurting me. I live in Oregon.
answered on Aug 18, 2020
This is a Probate Question, not Banking. You should repost so it gets out to the probate attorneys. I don't understand your situation. Your wife was in CA and you are in OR, so you are legally separated? If you are separated, why are you responsible for her debt? Her assets should be... View More 
I am the petitioner in pro per. I do not have an attorney representing me. Could I amend my order and add a co-administrator?
answered on Aug 5, 2020
You will need formal Letters from the court which authorize you to act as Administrator for the estate of the decedent. Some banks even require letters which have been certified by the court. You will also need a new federal employer identification number for the estate If you don’t already... View More
I was told by Best Buy that their staff sometimes don’t know of their own terms and conditions so it’s our duty to read it but how can we do so if we’re at the register with a line behind us. Besides that, they did not tell me upfront that the most important part about this card is the... View More
answered on Aug 1, 2020
"Best" Buy means best for them, not you. This is a high pressure sales store, even at 19 years old you should have realized that the sales people were pushing you and not for your best interest. You can do much better buys online. At the age of 19, you have reached the age of majority,... View More
I freelance as a QB accountant and doing this for one of my clients. Their bank produced years of checks, but can only tell me which financial institution they were presented. I need to find out the name and account number from the respective banks. It is several thousand dollars.
answered on Jul 30, 2020
more info needed.
have you tried to do this informally?
you would have to file a lawsuit as I see it.
maybe you can file in small claims for up to $10k and subpoena with that lawsuit. If the matter is only a few thousand small claims may be your answer.
lawyers... View More
answered on Jul 27, 2020
It depends on what you are going to be suing for. If you are suing to enforce the rights of the Corporation it is different from your own rights.
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I have cashed checks at chase bank for about a year now. Suddenly they are denying me saying the amount exceeds the check cashing limit.
answered on Jul 19, 2020
Many financial institutions will only cash checks for their own depositors. Their rules are internal and can change at any time. You might have a case if you believed that the bank was discriminating against you on the basis of a protected classification such as your gender, gender preference,... View More
Here is the situations. Husband and wife are both US residents. Husband is a Green Card holder, wife is a US Citizen. Do we need to file any tax form when the husband transfer large assets assets (e.g. money and stocks for $300K) to the US citizen wife? is it best to use a joint account or can the... View More
answered on Jul 22, 2020
This question would be best answered by a tax expert so that they can advise you of any possible gift tax repercussions.
Tax advice disclosure: To ensure compliance with Treasury Department Circular 230, we inform you that unless otherwise specified, any federal tax advice contained in this... View More
My name is Elijah I am 21, I live in Los Angeles, CA. Mother died in 2008 when I was a minor and soon after my grandmother was named my guardian and a bank account of some of my mother's money was set up for me by the court. I went to Bank of America and they told me I have to get a document... View More
answered on Jul 8, 2020
This self-help guide from Sacramento County should help you, even in Los Angeles County.
https://saclaw.org/wp-content/uploads/sbs-withdrawing-funds-from-a-blocked-account.pdf
Good luck!
I was contacted saying i am being taken to court by a bank for a default that happened in december of 2010. I do not ever recall having this bank, and cannot find anything on line about it, but they have said they tried to contact me previously which i have never received. Can this "bank"... View More
answered on Jun 19, 2020
You are not saying what type of debt they allege (consumer, commercial, line of credit, credit card), but if the default took place ten years ago and you did not acknowledge the debt during that time, most probably the statute of limitations would not allow the claim to be filed in court, or it... View More
My father passed without a will or testament and has a surviving legal spouse, and two alive children. The Ex-Wife of my father had POA before he passed away and transfered all of the funds from his account to her personal accounts. She then notified the bank who closed his accounts only after she... View More
answered on Jun 18, 2020
You need to contact a Estate/Probate attorney. A power of attorney terminates upon the death of the grantor. If there were any transfers of money after the grantor's death you need to obtain evidence of this through a subpoena issued to the bank or banks where the accounts were held. For this... View More
Benefits including Social Security, stimulus check and Unemployment Insurance due to Covid-19 in California.
answered on Jun 15, 2020
Question not specific. Are you currently in a chapter 7 bankruptcy case? If so, creditors are stayed from collecting from you - no matter what the source of the funds. Upon filing a bankruptcy, any garnishment in place is stopped. Talk with your bankruptcy attorney - hopefully you have one... View More
No creditor showed up for my 341 meeting. Can they still take money from my checking account? Thanks!
answered on Jun 15, 2020
So long as you listed all of your creditors, they are controlled by your bankruptcy and the automatic stay that stops them from trying to collect from you or take money from your checking account. Be sure that if a creditor had a judgment against you, which would have allowed them to levy your... View More
I paid in full cash in March and it was supposed to be picked up my mid March but then everything closed, they now want me to pick it up but prom is over and I was supposed to receive it months ago. How do I get my refund.
answered on Jun 11, 2020
If they refuse to give you a refund even considering you were never able to use the dress and they failed to deliver when it was due, it seems you have at least two choices available to you. 1. Take possession of the dress to use at a later date, or so you can sell it to someone who can later make... View More
she gave my trust to step daughter and grandson forged my name on it.
answered on Jun 13, 2020
I would consult a criminal defense attorney before filing embezzlement case against another person. I hope this helps. Zaher Fallahi, Esq, CPA (CA &D.C.).
Disclaimer: The information provided here is not intended for and may not be construed as solicitation, or legal and tax advice.... View More
Made a settlement agreement and made first payment. A week later went to make a final payoff but was told it was moved to another debt collector. The new debt collector said they would look into the agreement and now a month later the original creditor took back the debt and said they will not make... View More
answered on May 30, 2020
Sorry for your issues. You either HAVE an agreement or you do not have one.
This sounds like statutory unfair debt collection.
I like Attorney Mike Cardoza for these types of cases.
Please tell Mike I said "hello."
Trying to fix my credit, found that Logix was tagging my credit, called to find out info, found out I still have a saving account with them and my credit card got charged off, but that they either don’t or won’t give me any info, like statements or last bill on the credit account, it says it 7... View More
answered on May 29, 2020
Yes. As long as you still owe the bank or credit union any amount of money they are entitled to keep trying to collect their money--forever. Just because your bank or credit union decides to charge off the financial loss caused by you does not mean that you no longer owe them any money. (Note: If... View More
Question answered. Thanks
answered on May 13, 2020
Although you probably do not know it, you are operating a small business in California. And since your small business involves currency trades you may be violation federal or state law doing what you are doing for a living.
And BTW, in today's brave new world of super high-tech... View More
I have a pretty long trading history, and I'd say I have a certain level of expertise when it comes to trading.
I recently had the idea of selling CDs (Certificate of Deposit(s)) to potential clients.
How a trade might work out:
A client puts up $10,000, locked in for... View More
answered on May 8, 2020
What you are trying to do is illegal in every state I am aware of. And depending on the amounts of money involved this plan could get you some jail time.
I once represented a person who thought he was a very sophisticated investor and decided to issue some home-made "notes" (I... View More
I am trustee my husband is co trustee of his mothers trust and each share one half the sisters half will be a 3 party SNT FOR 21 years she was not on ssi age 37, she suffered from depression and her mom was worried and wanted to make sure she would qualify for assistance. I am the executor /... View More
answered on Apr 28, 2020
A California special needs trust that has been validly created avoids probate. Pursuant to the provisions of the special needs trust, a trustee has a fiduciary responsibility for the management of trust assets. A breach of that responsibility can create liability for the trustee. If the special... View More
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