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Your current state is Ohio
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answered on Jun 2, 2024
Losing your job and being unable to make car payments is a difficult situation. You have the option to voluntarily return the car to the lender, which is known as a voluntary repossession. This means you give back the car willingly before the lender has to take it back. While this can help you... View More 
answered on Jun 4, 2024
Speak with the lender. The route you contemplate is better than repossession, but it would still be advisable to have a discussion with the lender about what options are available, per the financing agreement. I hope things turn around for the better and you find another job soon. Good luck
My Dad has a brain injury and my Mom is bad with paying bills. I am fine with being on their accts to help with finances. I want to make sure that if my Dad were to get into an accident or lawsuit that my being on their accts does not put me in a position to have someone come after my husbands... View More
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answered on Jun 2, 2024
Putting yourself on your parents' bank accounts can make it easier to manage their finances, but it does come with potential risks. If you are added as a joint account holder, you could be considered equally liable for any debts or legal issues associated with those accounts. This means that... View More
I informed her of the check when I got it from my school loans and it had her name on it. We filed taxes together and it was held for my school loans. she said sign her name. I did. I deposited into my account. She owes me significantly more than "her half" of the check. She is now... View More
answered on May 28, 2024
More information is required. People typically cannot "file taxes together" unless they are married. Checks for school loans are almost always made payable to the borrower to whom the loan was made, not to two "friends." They typically aren't even made payable to both a... View More
Principal balance on my house was 75,000. on Dec. 31st it was sold at a sheriff auction on Jan.10th for 125,000. but the bank says there is only 897.00 left after the foreclosure cost. Are foreclosure auction sales that expensive?
answered on May 28, 2024
In addition to the principal, there's also attorney's fees, costs, interests, the seller's (sheriff's charges), and others charges/fees so yes, it is quite possible it was that expensive. You can contact the Sheriff's office and they should be able to provide you an itemization.
they said it would be paid to me 15 days prior to the 30 day date. That would give us 2 weeks put that money down as a deposit and move out of a house we have been living in for 7 years. (That is a lot of stuff!) But it is now 2 days past that promised date...Should we be granted an extension of... View More
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answered on May 27, 2024
If the bank has defaulted on their agreement to provide relocation funds, you do have rights. It's important to review any written agreement or correspondence you have with the bank regarding this promise. Documentation will be essential if you need to take legal action or negotiate an... View More
I'm a new user of one of the ETH platforms. Last night, I traded dynamic market of ETH/USDT for 3 times. And I got back some profit from that. In the next day, I got a warning box "your account has been frozen due to suspected illegal transactions". When I contacted to customer... View More
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answered on May 27, 2024
I'm sorry to hear about your situation. Unfortunately, it sounds like you may have fallen victim to a scam. A few red flags stand out:
1. Legitimate trading platforms would not typically freeze your account and funds over "suspected illegal transactions" without providing... View More
Backyard hooked up to a propane gas tank? Can they just enter their backyard and unhook everything and try to physically take it? There’s a handicapped deck built on it. Just curious if the bank when trying to repossess the trailer can bring the police and force themselves on the property to... View More
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answered on May 24, 2024
If a travel trailer is on your property in Ohio and hooked up to utilities, repossession can be complex. Generally, a lender has the right to repossess a trailer if you default on the loan, but they must follow legal procedures. They cannot trespass onto your property without proper authorization.... View More
Do judges take legal definitions into consideration in court cases?
What is the legal definition of co-signer?
What is the difference, in relation to a home mortgage, between a co-signer and co-borrower?
answered on May 19, 2024
Thank you for your question!
First, The court considers the intent of the parties in the mortgage agreement. If the intent can be impliedly or expressly defined from the agreement, that meaning governs.
If there is no definition, the court will look at the custom in the industry,... View More
Do judges take legal definitions into consideration in court cases?
What is the legal definition of co-signer?
What is the difference, in relation to a home mortgage, between a co-signer and co-borrower?
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answered on May 18, 2024
Yes, judges do take legal definitions into consideration when deciding court cases. Legal definitions are important because they provide clarity and consistency in the application of the law. Judges rely on these definitions to interpret statutes, contracts, and other legal documents.
In... View More
A bill of exchange such as a check is payable on demand and if it isnt, the bank is obligated to pay it according to the Bill of Exchange correct?
answered on May 15, 2024
In your specific example, with a check, the answer is almost always no. I don't know of any bank that would issue payment to a check payee when there are insufficient funds in the account. When a customer sets up an account with the bank they usually sign an agreement that entitles them to be... View More
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
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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
If I wanted to get a test result in an illegal way, but I was deceived, I transferred money but never received a result, you can send this to ic3. In fact, I have not yet broken the law.
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answered on May 12, 2024
I'm sorry to hear that you were deceived and lost money in this situation. Being scammed is awful and I empathize with how frustrating that must be. Even though you did not end up breaking the law, attempting to obtain test results illegally is still ill-advised.
If you believe you... View More
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answered on May 7, 2024
If you have received an FDIC certificate for BMO Bank National Association (Cert #16571), it means that your deposits with this bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount allowed by law, which is currently $250,000 per depositor, per insured bank,... View More
◦ I applied for affordable housing and paid the required deposit. The agency reviewed my income and bank statements. However, they unexpectedly requested access to my “IRA retirement account,” which I consider confidential. I asked if I could hide the account number, but they rejected this... View More
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answered on May 7, 2024
In this situation, you have a few options to consider:
1. Dispute the charge with your credit card company: If you paid the deposit using a credit card, you can file a dispute with your credit card issuer. Explain that you were verbally assured of a full refund if you didn't qualify... View More
My Father added my name on 2 of his bank accounts so I can write out the checks for him after my Mom passed away, he has now passed away and my Brother is the Executer of the will. Since I am the Joint owner on those 2 accounts, can he access that money? The Will states that he got certain items... View More
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answered on May 3, 2024
Here's some information based on Connecticut law, but please remember to consult an estate planning attorney for advice on your specific situation:
- Joint Ownership & Right of Survivorship: In Connecticut, joint bank accounts with the right of survivorship are generally presumed... View More
Happened November last year also no W2 just want to know why someone would do that
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answered on May 3, 2024
Hi there! I can provide some general guidance on why there might be a discrepancy and what you can do about it.
Reasons for a payroll stub without receiving the funds:
1. Administrative error: It's possible that a clerical mistake resulted in the generation of the stub without... View More
I might have a case for this but I wanna make sure...
answered on Apr 26, 2024
In order to get procedures from a credit reporting agency, you'll likely need to sue them and ask for the procedures in discovery. They will likely only hand them over under a protective order. I would contact a consumer protection attorney that is familiar with the Fair Credit Reporting Act.
-I bought a car from a private seller through the facebook marketplace.
-I purchased the car with an auto loan through Navy Federal Credit Union.
-When I went to register the car, the DMV stated that the VIN number on the title did not have any records (the car had been VIN... View More
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answered on Apr 25, 2024
I'm sorry to hear about your difficult situation with the car. Unfortunately, under California law (and the laws of most states), you would not have a legal right to keep the car even after possessing it for two months.
There is no time period after which you can claim legal ownership... View More
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answered on Apr 23, 2024
In California, it is uncommon for traditional fixed-rate or adjustable-rate mortgages to have a balloon payment requirement. However, there are a few scenarios where a balloon payment might be required:
1. If you have a non-traditional mortgage, such as an interest-only loan or a short-term... View More
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