Banking Questions & Answers

Q: Suspended but not involved in the allegations

1 Answer | Asked in Employment Law and Banking on
Answered on Apr 19, 2019
Bruce Alexander Minnick's answer
If you are in possession of money stolen from the bank where you are employed you are in very serious trouble.

The very first thing you should do is give the stolen money back to your supervisor at the bank. Everything will fall into place after that.

Q: Can a company you have a bill with take money from your checking account without a judgment

1 Answer | Asked in Banking, Consumer Law and Collections for Maryland on
Answered on Apr 17, 2019
Bennett James Wills' answer
Your question is unclear. You can't be garnished without a judgment. But a company could auto-draft your account if you signed up for such a service.

Q: Shareholder for my corporation withholding clients information. Can he do that?

1 Answer | Asked in Banking, Civil Litigation and Contracts for California on
Answered on Apr 17, 2019
Bruce Alexander Minnick's answer
This free legal advice forum is intended to help consumers better understand common legal terms and to explain general legal principals and procedures to non-lawyers interested in understanding more about the law. This forum is not the place to seek free legal representation in ongoing cases, nor is it the place to ask complicated questions about specific situations requiring significant amounts of legal work. People in need of specific legal assistance should use the free resources available...

Q: I sold my NY home in Mar. & had paid school & town taxes in Jan. for the year 2019. Am I entitled to a partial refund?

1 Answer | Asked in Real Estate Law and Banking for New Jersey on
Answered on Apr 17, 2019
Bruce Alexander Minnick's answer
If you sold your house through a Realtor, lawyer, title company or other closing agent they should have given you a pro rata credit for the 2019 taxes you paid and an offsetting charge against the new owner's proceeds. Look at your closing statement.

Q: I need to sue Woodforest National Bank in Hendersonville North Carolina please contact me at americaninsen87@ail.com

1 Answer | Asked in Banking for North Carolina on
Answered on Apr 16, 2019
Bruce Alexander Minnick's answer
You will get a vetter response by looking for a lawyer using the Justia search engine on this site.

Q: Hello. I have unauthorised transactions in my account for a certain Orderplus Intl (International Limited).

1 Answer | Asked in Banking on
Answered on Apr 16, 2019
Bruce Alexander Minnick's answer
The first thing you should do is STOP trying to locate the people who have apparently stolen $200 from your bank account.

The second thing you should do is get up and go down to the nearest branch of the bank involved, report the fraudulent activity, close your account and cancel your debit card.

Q: Dear Sir or Madam, We are fashion company from Serbia, Europe. We would like to import clothes from Shein brand.

1 Answer | Asked in Banking on
Answered on Apr 15, 2019
Bruce Alexander Minnick's answer
If you are seeking to hire a lawyer in the United States to help your fashion company import or export products you should search for a competent lawyer experienced in international business transactions. This site can help you find a lawyer using their search engine.

Q: I don’t have a bank account so my ex wife allowed me to have my employer direct deposit my paychecks into her account an

1 Answer | Asked in Banking, Family Law and Antitrust for Washington on
Answered on Apr 15, 2019
Bruce Alexander Minnick's answer
Unless you give us more information--for example, tell us WHY you ex wife is refusing to "give you any of your money"-there is very little anyone can do to help you online.

Q: My bank accidentally deposited the same money order twice into my account. What do I do?

1 Answer | Asked in Banking for Louisiana on
Answered on Apr 15, 2019
Bruce Alexander Minnick's answer
Having been a commercial bank officer before going to law school, I would expect your bank to find their error sooner or later--and then correct it--without telling you. Therefore, unless you do not mind going OD when the bank suddenly debits your account, my practical advice is don't spend the extra money. Let it ride at least 30 days.

Q: What does all of this mean I got the (Medal of Honor) by Harris originals

1 Answer | Asked in Banking for Texas on
Answered on Apr 15, 2019
Bruce Alexander Minnick's answer
Although your question does not contain enough factual information to allow an online lawyer here on Justia to answer, it appears to me that you may have been bilked out of whatever amount of money you paid for this "honor."

S--if you were "directed to an attorney" when trying to find out what went wrong, you should do exactly that.

Q: Wat is IAEA powers & gettin bonded mean? I'm Admn.of estate and had previously asked how can i use money frm block acct?

1 Answer | Asked in Estate Planning, Real Estate Law, Banking and Probate for California on
Answered on Apr 13, 2019
John B. Palley's answer
Generally speaking only people who have not planned end up with a blocked account and without full IAEA authority. I typically see this done by pro pers and by lawyers who don't know what they are doing. There are other situations but that's a generalization by me.

IAEA means the Independent Administration of Estates Act. Without FULL IAEA authority you need to go back to court to confirm the sale of real estate. This is hugely problematic as you can lose buyers in the process. Full...

Q: I have a question regarding the rights of landlords to assign fees for the return of rent checks for NSF....

1 Answer | Asked in Landlord - Tenant and Banking for New York on
Answered on Apr 11, 2019
Elaine Shay's answer
The fees that a landlord is allowed to charge depends upon the terms of the lease.

Q: Use my personal address on a business bank account? Degree of risk of piercing the LLC veil?

1 Answer | Asked in Banking, Business Formation and Business Law for Michigan on
Answered on Apr 10, 2019
Bruce Alexander Minnick's answer
There is nothing wrong in using a home or personal address as a business address.

Q: dealing with USAA and identity theft & they continue to allow our account to be breached despite our daily calls. HELP

1 Answer | Asked in Banking, Identity Theft and Small Claims for Virginia on
Answered on Apr 9, 2019
Bruce Alexander Minnick's answer
This sounds like some sort of an insider electronic hacking situation. If the amount of money is worth it, try hiring a lawyer to take up the job of fighting with the USAA bureaucracy instead of you having to do it. The first order of business would be to move all the money you still have at USAA to another unaffiliated bank that you can trust. Try to get a cashier's check, cash it out at another bank where you are well known, and then take the case to a third bank and open a new account. Best...

Q: is a credit union required to send a notice when closing a checking account due to negative balance

1 Answer | Asked in Banking for Hawaii on
Answered on Apr 9, 2019
Bruce Alexander Minnick's answer
Yes, most credit unions do send out notices when they are closing an overdrawn account; but the notice may not arrive before they close the account.

Q: bank told my employer that they had wrong direct deposit information and directed employer to change without my consent

1 Answer | Asked in Banking, Civil Litigation, Employment Discrimination and Employment Law for Mississippi on
Answered on Apr 8, 2019
Bruce Alexander Minnick's answer
Regardless of the bank SNAFU, if you are receiving pay for the time worked you have no viable claim. Litigants MUST have a real injury in order to sue somebody.

Q: There's a fake a fake data descent deed conveying land to The Heirs at law my grandmother left me that land in her trust

1 Answer | Asked in Foreclosure, Real Estate Law, Banking and Civil Litigation for Georgia on
Answered on Apr 8, 2019
Bruce Alexander Minnick's answer
If what you say is true, you will have to hire a probate lawyer who also knows how to litigate.

Q: Is it legal for a bank to pay only certain subcontractors, once the Architect has certified an AIA pay application

1 Answer | Asked in Banking for Arkansas on
Answered on Apr 7, 2019
Bruce Alexander Minnick's answer
Construction loans are disbursed piecemeal, as different phases are complete. The first phase includes paying the architect who drew the construction plans for the contractor to use when building the structure.

Q: Can an authorized user on a checking account go in and cash to the owners checks and make changes

1 Answer | Asked in Criminal Law and Banking for North Carolina on
Answered on Apr 5, 2019
Bruce Alexander Minnick's answer
There is a very common belief that there is a difference between an "authorized user" of a personal bank account and a "co-owner" of a personal bank account. While there are several different kinds of bank accounts, access to each type of bank account is either defined in the contract sometimes appearing on the back of an "account signature card" or on a longer written contract executed at the bank-- with a copy given to the person(s) signing the account contract.

If the person you are...

Q: I just found out my bank is going through a process server. Unknown to me the bank had been using a debt collection

1 Answer | Asked in Banking and Collections for Arizona on
Answered on Apr 5, 2019
Bruce Alexander Minnick's answer
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 third party collection company. And it is not al all unusual for collection companies to lie to debtors and say they represent a bank, if they think it will get the debtor to pay up. In any event, your...

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