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Nevada Banking Questions & Answers
1 Answer | Asked in Banking, Collections, Identity Theft and Social Security for Nevada on
Q: Credit report account made but not by me?

So I go to credit karma to make acc. They tell me a acc already made with a email. And told me what email. My biological fathers. And so on. Apparently goes on it everyday? Why? My credit. I’m 25. I am mentally disable. Growing up. I guess as a aunt said. He used me for debt. Wells Fargo credit... Read more »

Susan Michele Schaefer
Susan Michele Schaefer answered on Aug 30, 2021

If someone has misused your Social Security number or other personal information to create credit or other problems for you, then you need to take action right away. Go to IdentityTheft.gov - it is a website managed by the Federal Trade Commission (FTC) - and they will help you with a recovery... Read more »

1 Answer | Asked in Bankruptcy, Banking, Collections and Gov & Administrative Law for Nevada on
Q: I'm filing for bankruptcy own my house my niece is living in it while I live with my mother. Can they seize my house?

I live in my mother's house to take care of her, so I let my niece live in my house.

Timothy Denison
Timothy Denison answered on Mar 25, 2021

These questions need to be answered by your bankruptcy attorney after he has reviewed your finances.

1 Answer | Asked in Banking, Business Formation, Business Law and Collections for Nevada on
Q: Is there a lawyer that can assist with a pay day loan / hard money loan startup?

Need help obtaining a 604a license and any other items needed for the startup

Tim Akpinar
Tim Akpinar answered on Mar 4, 2021

A Nevada attorney could assist best, but your question remains open for a month. Given the Q & A format of this board, it could be difficult for a law firm to come forth and offer their services like in an attorney referral site. At this point, you could reach out to attorneys. There's a... Read more »

1 Answer | Asked in Banking, Business Law and Consumer Law for Nevada on
Q: Can we use words such as depositor, CD, Money Market with an investment account if we aren't a bank?

Can w use words such as depositor, CD, Money Market with an investment account if we aren't a bank? Our service. this investment account is very similar to a savings account in that you put your money in and you can take it out with very short notice, and you get a fixed return. It is an... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Mar 3, 2020

The last time I looked, the unauthorized use of any of the financial terms you asked about, as well as many other banking, financial and investment terms, is prohibited in every state of the United States. It this were not the case you would see hundreds of thousands of small businesses offering... Read more »

1 Answer | Asked in Banking for Nevada on
Q: I opened a capital one 360 checking account. I loaded 3 checks 2 did not clear but the 3rd one has. Can not access fund

Funds have been in my available and current balance for 3 weeks now I have never taken any money out of this account they say there going to close it but it could take up to 3 years for a check to be returned and they wont let me access my money

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 12, 2019

Most commercial banks have an old saying they teach all tellers to rely upon: "Know your depositor." This wise advice also applies to regular people who open new accounts in the high-tech world of today--where fraudulent checks are now everywhere. Why would you expect Capital One to give... Read more »

1 Answer | Asked in Consumer Law, Contracts and Banking for Nevada on
Q: I am a Nevada resident & I have a high interest loan from Netcredit.com, do they need to be licensed in Nevada to lend?

If I check their website for Nevada loans, https://www.netcredit.com/rates-and-terms/nevada

I receive a message stating "Unfortunately, personal loans through NetCredit are not currently available in your state.

We are working hard to provide access to fast, trustworthy credit... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on May 28, 2019

There is a big difference between borrowing from a lender not authorized to make loans in Nevada and repaying a loan to a lender that is not authorized to make loans in Nevada.

Reading between the lines here tells me that

(1) you have been obligated to repay this (terrible) loan...
Read more »

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