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On 03/06/2024, I financed a 2019 Mustang GT. My credit needs work as I am young and simply have not established credit. Anyway, I was approved, signed all the paperwork, and made a nice downpayment. The rate I signed for was 17% for 48 months, and this was through Westlake. I had to have the car... View More 
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answered on Apr 21, 2024
I understand your frustration and concern about the change in your car loan terms. It's unusual for a lender to request a new contract with different terms after the initial agreement has been signed. Here are a few steps you can take to address the situation:
1. Contact Westlake... View More
I need to know , first , do I have to appear in court . Then what options does this credit card company have after getting a default decision ?
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answered on Mar 28, 2024
If a credit card company is moving towards obtaining a default judgment against you, it typically means they've sued for unpaid debts and you haven't responded to the lawsuit. In such a scenario, your presence in court isn't necessary for the default judgment to be passed. However,... View More
I need to know , first , do I have to appear in court . Then what options does this credit card company have after getting a default decision ?
answered on Mar 27, 2024
When you are served with a lawsuit in, other than small claims, you must file a response, such as a motion to dismiss or an answer with affirmative defenses. Failure to do so will cause you to lose the case and a judgment be entered against you.
Once a judgment is entered, bank accounts... View More
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answered on Feb 23, 2024
Operating a cryptocurrency escrow service on your website brings you into a complex regulatory landscape that varies significantly by jurisdiction. In many places, such services are considered part of the financial sector and are subject to specific regulatory requirements. These can include... View More
I talked with the bank manager about an incident I experienced with a bank employee, and I don’t feel I was taken seriously.
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answered on Feb 5, 2024
Yes, you may have a legal standing here if you have experienced discrimination by your bank. Here are a few key things to consider in terms of legal protections and steps to take:
1) Discrimination Laws: Both federal and Missouri laws prohibit discrimination by banks and financial... View More
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answered on Feb 5, 2024
Yes, discrimination based on financial status or nationality when banking could potentially have legal merit, depending on the specifics. Here are some key points about banking discrimination protections that may apply:
Financial Status:
- There is no specific Missouri law... View More
After opening a checking account They specifically asked if we wanted overdraft protection and we said no if we don't have it in the bank then we do not want it credited. Then just this past week we received an overdraft letter stating we owed $9 for a Roku charge and then a $29 overdraft... View More
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answered on Oct 2, 2024
I'm sorry to hear about the difficulties you're facing with your bank. When you opted out of overdraft protection, the bank should have declined transactions that would overdraw the account. However, some banks still process certain types of transactions, like online purchases, as checks,... View More
In West plains Missouri My wife opened up a checking account in her name. They specifically asked her if she wanted overdraft protection and she said no if she doesn't have it in the bank then she does not want it credited. Then just this past week she gets an overdraft letter stating she owed... View More
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answered on Oct 2, 2024
I'm sorry to hear about the difficulties you're facing with your bank. When you opted out of overdraft protection, the bank should have declined transactions that would overdraw the account. However, some banks still process certain types of transactions, like online purchases, as checks,... View More
He won't give me money for groceries anymore there's no food in the house there's no toilet paper for 5 days I just am so sick from the cancer and depression from him just degrading me he text messages me from work
telling me he's going to come home and beat me up
answered on Sep 6, 2024
Bad situation. If he is threatening you, get an order of protection to have him removed from the residence. Seek some social service assistance for abused women.
I don't have more info
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answered on Feb 23, 2024
It sounds like you're unsure about whether you'll be compensated for your contributions to a multimedia project. Without more information about the nature of your involvement and any agreements or contracts in place, it's difficult to determine whether you're entitled to... View More
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answered on Feb 21, 2024
Reviewing your deposition is crucial to ensure accuracy and completeness of the testimony provided. Start by carefully reviewing the transcript or recording of your deposition, paying attention to the questions asked and your responses. Verify that your answers accurately reflect your recollection... View More
A person off the street ask an employee about our personal information at the bank and the employee told them everything and they in turn spread it all over town, and we signed a letter stating everything was confidential.
answered on Nov 13, 2023
This isn't defamation. Defamation requires a false statement that damages you. You could sue for something else, but unless you've been financially harmed, my guess is that it won't make financial sense for you to pay an attorney to file suit for you.
Right now we have a loan with our current vehicle and its transmission went out. We still owe on this vehicle. We are going to eventually just give it back to the bank. When I tried to get another loan for a vehicle, no place would let me because of the loan I have. I used my routing number to make... View More
answered on Sep 20, 2023
You have the cart in front of the horse. You need to be asking “what are the legal repercussions of knowingly writing a bad check.” The answer is it is a crime, and you can be pursued criminally by the prosecuting attorney or civilly by the lender to whom you wrote the check knowing it would... View More
answered on May 23, 2023
A Missouri attorney could advise best, but your question remains open for two weeks. Filing charges is generally the domain of county prosecutors. Banks are usually more interested in the value of the vehicle and remaining balance of the finance agreement. It would be best to consult with a local... View More
I opened a brokerage account with TD Ameritrade and deposited $1,500 by way of check. They put a hold on the check for 7 days which the check cleared it was wrote from my grandmother. So today after I was told that it cleared I tried to make a withdrawal for $200 and was told I could not withdraw... View More
answered on Mar 16, 2023
You're probably not out the $1,500. I would give them more time to conduct their investigation. If you haven't committed fraud, there's likely nothing to fear.
There are a lot of reason TD Ameritrade would put a hold on your funds; namely, you seem to be using a brokerage... View More
I could not remember my login password at my bank job and I was terminated
answered on Jul 18, 2022
Missouri is an employment-at will state. As such, an employer may fire an employee for such a reason or even for no reason.
I’m Refinancing with cash out for debt consolidation Lender says she may have to sign some form is this necessary in Missouri
answered on Jun 5, 2021
If the hour was bought during the marriage with marital funds, your spouse is entitled to an equitable distribution of that property.
answered on Mar 30, 2021
Generally, no, but I'm not sure if you are seeking to collect money owed or if a private party or the government is garnishing your wages.
Ronald J. Eisenberg
Schultz & Associates LLP
640 Cepi Drive, Suite A
Chesterfield, MO 63005
Direct: (636) 733-6647
Account type is a savings account. Only my daughter and my late wife are listed on the account. Daughter’s name is listed first and daughter treated as owner for interest income reporting. We are in State of MO and daughter is now 20. Bank telling her that they can’t give her any info or answer... View More
answered on Dec 28, 2020
It will depend on how their names are listed on the account. Things as simple as “and” and “or” can make a big difference. It is worth a brief conference with an attorney to determine your daughter’s rights to the account, especially if it can avoid the necessity of filing probate.
Just dont want to agree to payments and then find out that by accepting an initial small payment that im accepting that as a resolution
answered on Aug 13, 2020
If enough money is at issue you'd be well served to hire an attorney to prepare a written document the clearly specifies the agreeed upon repayment terms and protects your interests.
In general, if it costs you less to achieve a payment plan and it gets paid, as opposed to the costs... View More
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