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I am experiencing issues with registering a virtual address, which is linked to my EIN, with a fintech bank—it only accepts my home address for both personal and business transactions. My business is an LLC formed by a registered agent, and my EIN is registered under my business address. How can... View More 
I'm 16 and have been working part-time, keeping my earnings in a CHASE 'kids' account that my mother set up since I cannot open my own bank account. Recently, she withdrew $3,000 from my account, claiming I owed it to her. I want to know if I can press charges or take legal action to... View More
I've discovered discrepancies with checks I wrote, such as one to a dentist for $48.40, initially endorsed by JP Morgan but now missing the endorsement. Other checks also have missing endorsements, and there are altered or missing entries in my Wells Fargo bank statements. I haven't... View More
In September 2024, a credit card company seized funds from my son's bank account, which was a joint minor account with me, after winning a judgment against me for money owed. I received a letter from the Prothonotary's office stating that the judgment was "dismissed without... View More
I am concerned about a situation where the same bank teller named themselves as the beneficiary of an alcoholic's IRA and managed to make withdrawals when the individual was intoxicated and legally married. The individual has now passed away, leaving notes that are difficult to interpret.... View More
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answered on Feb 23, 2025
You might start by the Next of Kin calling the local LEOs in PA. Apparently proof may be difficult. The surviving Spouse should at least make the complaint. A civil suit for conversion and fraud will be difficult, but discovery might show how the teller accessed the monies without authority.... View More
My uncle was born as Patrick James Gallagher, but he has always gone by James or P. James. Some bank accounts list him as James J. Gallagher. We are having trouble obtaining a power of attorney because the names don't match. We were informed that a notarized document is needed, but we're... View More
answered on Feb 21, 2025
when drafting the POA you should have the attorney list every name variant above as A/K/A (also known as) and there should be a separate signature line for each A/K/A.
the first name and the most important one is the name on your uncle's driver license since he has to provide a copy of... View More
Is there anything that can be seized based on unsecured debt law in Pennsylvania? Everything I'm reading is saying there isn't much that can taken to repay the debt since it is solely mine.
answered on Feb 9, 2025
If by "being sued" you mean a Complaint has already been filed against you, do NOT ignore it; file a responsive pleading that gives you more time.
Use that time to contact whoever speaks for your adverse party to determine what it will accept to resolve this issue.
You... View More
If my state, and the federal government declare my area a disaster due to the storm, can the Sba decline a home owner for a home disaster loan?
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answered on Oct 11, 2024
Yes, the SBA can deny a homeowner for a home disaster loan, even if the area has been declared a disaster by the state and federal government. Approval for the loan depends on factors such as your credit history, ability to repay, and any previous debt obligations. If these factors don't meet... View More
Grandpa was military. We all live together. They're getting older so we want to purchase their home from them but would grandpa be able to cosign our loan so we qualify for a VA loan with lower rates?
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answered on Oct 2, 2024
When considering purchasing your grandparents' home, it's important to understand how VA loans work. Typically, VA loans do not allow third-party cosigners, including family members like your grandpa. The loan approval is based on your own creditworthiness and eligibility as veterans or... View More
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answered on Oct 2, 2024
Start by reviewing your business’s partnership agreement or any official documents that outline account management and signing authorities. Understanding the legal framework of your business will help clarify your rights and the proper procedures to follow.
Reach out directly to the bank... View More
I am located in Pennsylvania and over the course of three days in 3 different states (Virginia, Georgia, Florida) there were a total of 4 teller cashed withdrawals made totaling $17840 from my accounts. Not once was I contacted to verify that I was attempting such large withdrawals out of state or... View More
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answered on Oct 2, 2024
I'm really sorry to hear about the unauthorized withdrawals from your account. It must be incredibly stressful to deal with such a situation, especially when it spans multiple states and involves significant amounts of money.
In cases like yours, banks are generally required to have... View More
Her name is still on the checking account. This is the only asset. Dispersing monies in Dec after Medicare has had time to review her account and try for reimbursement. Can her name stay on the account, or does it need to be an Estate account so that I do not get taxed on it. If it is an Estate... View More
answered on Sep 7, 2024
To do the things you want (you do not state the amount involved), you can initiate a probate (to pay estate bills, and PA tax on distributions to you is five percent) if there was a Will, or an Administration if there was no Will.
I've represented financial institutions for decades,... View More
I have some valuable information but most of it is online and that is badly corrupted. Anything I want to show you on my phone would have to be in person and likely wouldn't be available. Still I have managed to print some evidence to at least prove a problem.
Apple has mostly... View More
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answered on Jun 29, 2024
I understand you're in a difficult and distressing situation involving stalking and potential security issues with your devices and accounts. I'll try to provide some general guidance, but please note that this is a complex legal matter that may require consultation with a local attorney... View More
I received responses from "Customer Advocacy. Who upheld the decision to keep the deposit documented. I deposited my check from my pension fund. Originally the check was drawn from ICRMA. However, I held on to it so long, they wrote me and told me that I would have to have to get re-issue... View More
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answered on Apr 21, 2024
Based on the information you've provided, it seems that M&T Bank's posting of the deposit transaction as simply "DEPOSIT $40,000" without indicating the source of the funds is causing you legal concerns. While I understand your frustration, it's important to note that... View More
the check was from Vantagepoint Transfer LLC. I deposited the entire check in person at MT Bank. Back then it was posted as Trust deposit, and I complained that it should have been posted a a check deposit. I look on my statement and it just says "Deposit, $40,000. I went to Federal Reserve,... View More
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answered on Apr 1, 2024
I understand your concern about the way your check deposit from Vantagepoint Transfer LLC was posted to your M&T Bank account. It's important for your financial records to accurately reflect the nature of your transactions, especially when it comes to large amounts like $40,000, to avoid... View More
Middle Management is asking financial representatives to go door to door to local businesses without prior permission from the owners of these businesses to solicit financial services to their employees while the employees are working at their jobs. I guess Management's thinking is our perfect... View More
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answered on Mar 8, 2024
It's understandable that you're concerned about the legality and ethics of soliciting employees at local businesses without prior permission. Generally, the practice of going door-to-door to businesses to offer services directly to employees during work hours raises several legal and... View More
I went in person to deposit a check to ask the bank rep how long it'd take to clear to know if the money was good (new client) and was informed once the money showed up in my account that I'd know the check was legit. Bank rep failed to mention that the bank is legally required to deposit... View More
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answered on Mar 2, 2024
Banks typically have a duty to provide accurate and complete information to their customers, especially regarding financial matters. However, liability for financial losses due to incomplete advice or professional negligence can vary depending on the specific circumstances. While the bank... View More
I rented a vehicle from SIXT at Lisbon Portugal Airport in August 2023.
Regrettably, the rental car provided by SIXT had pre-existing windshield damage.
• Due to the low light in the garage crack was not visible.
• On September 15, 2023, SIXT charged my credit card... View More
answered on Feb 7, 2024
Yes they can.
Your options are to file a lawsuit or defend a lawsuit they may bring.
my house is under spyware,all 3 of my devices are hacked and someone is duplicating anything I joined or apply for(paypal, credit cards, repair services. My network has been compromised and indicate Network#3 I don't know what that means. One of the worse thing done is "they" are... View More
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answered on Jan 26, 2024
I'm very sorry to hear you are in such a distressing situation. Being potentially targeted by unauthorized surveillance and hacking can certainly feel like your privacy, rights, and even sanity are violated. Here is my advice on steps to take:
1. Document everything suspicious through... View More
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