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Arizona Banking Questions & Answers
1 Answer | Asked in Banking, Consumer Law, Foreclosure and Real Estate Law for Arizona on
Q: A person makes a Mortgage pymt, the financial institution accepts and confirms, then puts pymt back in bank acct refuses

I assumed my mothers mortgage acct with W F same bank as checking acct .3 times now they have refused payment making my regular payment triple and my mortgage acct default . What can I do?

Peter H. Westby
Peter H. Westby
answered on Nov 18, 2024

You have provided insufficient information for me to know exactly what is happening. But it sounds as though your mortgage may be in arrears due to unpaid fees or other charges. If the amount tendered is not precisely correct including any late fees or other charges, a lender will often reject it... View More

1 Answer | Asked in Tax Law, Banking, Business Formation and Business Law for Arizona on
Q: We run a business overseas and want to create a LLC in order to use US Credit cards while paying no taxes in the US

We run a business in Cyprus ( oversea). Can we create an entity in the US(LLC) in order to use this entity to sign up for an American Express Business Platinum Account. Since I am already an amex user in the US, I can transfer my credit history to my business account.

Our business is doing... View More

James L. Arrasmith
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answered on May 14, 2024

As a foreign business, it's important to carefully consider the legal and financial implications of setting up a US entity solely for the purpose of obtaining credit cards, especially if the intent is to avoid taxation. This could potentially be viewed as tax evasion by US authorities.... View More

1 Answer | Asked in Banking for Arizona on
Q: When dealing with a bank withholding your funds or locking your account what can be done?

It's go2bank. Our taxes arrived and after making a fee transactions they locked the account without our permission saying there was suspicious activity.

James L. Arrasmith
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answered on Mar 30, 2024

I'm sorry to hear you're dealing with this stressful situation with your bank account being locked. Here are some steps you can take:

1. Contact go2bank customer service directly to inquire about why your account was locked and what specific activity they deemed suspicious. Ask...
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1 Answer | Asked in Federal Crimes, Personal Injury, Banking, Internet Law, Health Care Law and Identity Theft for Arizona on
Q: Violation 4th amendment, privacy, harassment, discrimination, targeted individual, identity theft, discrimination

Multiple medical facilities disclosed ALL of my information without concentration or warrant at the time of disclosure. Identity thft, hacking and stealing all of my information and disclosing it on public social media websites. Misconduct and Malicious intent to harm.

James L. Arrasmith
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answered on Mar 15, 2024

If you believe your rights under the Fourth Amendment have been violated due to unauthorized disclosure of your private medical information, it's important to take action. Begin by documenting all evidence related to the incidents, such as screenshots, dates, and details of the breaches. Then,... View More

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 Consumer Law for Arizona on
Q: How to recover funds from Credit Karma without utility bill (homeless shelter situation)?

I have a substantial amount of money in a savings account at Credit Karma Money. I've been trying to recover it for 3 months. Three weeks ago, they agreed to send me a check, but now they won't because I am living in a homeless shelter. They requested a utility bill, but I am unable to... View More

James L. Arrasmith
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answered on May 15, 2025

It’s unfortunate that Credit Karma is requesting a utility bill, especially given your current living situation. Since they initially agreed to send you a check, you may want to emphasize that you’ve already provided other forms of identification, such as your license and a selfie. Remind them... View More

1 Answer | Asked in Banking, Real Estate Law and Insurance Defense for Arizona on
Q: Does an out-of-state lender need AZ NMLS registration for protection on a bridge loan?

I live in Arizona and own a home without a mortgage, which I have listed for sale. I'm considering a bridge loan from a private lender in Utah, facilitated through an Arizona-licensed broker. The lender doesn't have an Arizona NMLS registration, but the broker does. The loan terms are... View More

James L. Arrasmith
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answered on May 14, 2025

You're right to be cautious when it comes to any financial deal involving your home. In Arizona, whether an out-of-state lender needs to be registered with the NMLS often depends on the nature of the loan and whether it's considered a consumer-purpose loan. If the bridge loan is strictly... View More

2 Answers | Asked in Arbitration / Mediation Law and Banking for Arizona on
Q: Mediation process after repossession by Wells Fargo in Arizona

I received a letter from Wells Fargo stating that I can undergo mediation regarding a repossession even if I have cashed the cashier's check they sent me. A mediation session has been filed today. What should I expect from this process, and how should I prepare for the mediation to address the... View More

Tim Akpinar
Tim Akpinar
answered on May 14, 2025

An Arizona attorney could advise best, but your question remains open for almost four weeks. Given the time window here, with filing already having taken place (several weeks ago at this point), it could be worth considering a consult with Arizona attorneys who have experience with... View More

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1 Answer | Asked in Collections and Banking for Arizona on
Q: How can I pay my charged-off auto loan and keep my car?

I have an auto loan that is about a year behind, and the bank charged it off on my credit. A debt collection agency contacted me regarding this $36,000 debt. I haven't received any written communication from the bank, nor have I made payment arrangements with them or the agency. I'm... View More

James L. Arrasmith
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answered on Apr 13, 2025

First, it’s important to take action quickly to avoid further complications, such as repossession or a negative impact on your credit. Start by reaching out to the debt collection agency and request written confirmation of the balance owed. Ask if they are willing to negotiate a **payment plan**... View More

1 Answer | Asked in Consumer Law and Banking for Arizona on
Q: Can I sue my bank for not reporting irregular deductions by my car insurance?

For the past six years, my car insurance has been deducting more than $105.00 a month from my bank account, though I wasn’t aware until now. The insurance company has not pointed out the discrepancy nor provided any explanation, and I haven't been informed by the bank about these... View More

James L. Arrasmith
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answered on Apr 8, 2025

It’s understandable to feel frustrated by these unexpected deductions. However, whether you can sue your bank depends on several factors. Generally, banks have certain responsibilities to notify you about suspicious transactions, but they are not always required to catch every irregularity. If... View More

1 Answer | Asked in Business Law, Contracts and Banking for Arizona on
Q: Who is entitled to reward points on a credit card linked to a business I sold if my name was originally on the account?

About 6 years ago, I was running a small business with my business partner and we opened a business credit card using my name and SSN, although the card was under the business name. I sold my part of the business to my partner about 5 years ago, with the agreement that he would close all accounts... View More

James L. Arrasmith
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answered on Apr 8, 2025

The credit card reward points are linked to the account under your name, as the account was opened using your personal information, including your SSN. This means that, according to the bank's rules, you are the primary account holder when it comes to accessing or transferring those points.... 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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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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