Lawyers, Answer Questions  & Get Points Log In
California Banking Questions & Answers
1 Answer | Asked in Banking for California on
Q: What do I do if my parents won't give me my SSN even though I need it for a bank account so my job can pay me.
Bruce Alexander Minnick
Bruce Alexander Minnick answered on Feb 13, 2020

Call the Social Security Administration in Washington DC and ask them to give it to you.

1 Answer | Asked in Banking for California on
Q: I was joint acct holder with NY aunt you was passed away.

I wait to turn in the paperwork for the estate of my aunt. I have a joint account with her. BOA is new requesting a bank statement to verify the address. When I asked them why couldn't they just print a statement they said i had to bring one it to prove it. I have every thing else from the death... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Feb 11, 2020

The POA you have is no good because POAs cease to have any affect when the person who gave it dies. It looks like the bank is just trying to make sure that you are who you say you are. If you are an account owner yourself you should not need anything to withdraw the funds. Go down to a branch of... Read more »

1 Answer | Asked in Banking, Contracts, Identity Theft and Criminal Law for California on
Q: I gave someone my bank account information and now they are taking all my money. I want to know if I can still report
Dale S. Gribow
Dale S. Gribow answered on Jan 19, 2020

more info needed.

how long ago was this? did you report it? to whom? put a freeze on your account and contact police,

1 Answer | Asked in Probate, Banking and Identity Theft for California on
Q: How can i prove the probate administrator commited fraud for stealing 220k pod account by way of false court order ?
Bill Sweeney
Bill Sweeney answered on Jan 11, 2020

Owners of bank accounts can designate beneficiaries by adding a "payable-on-death" (POD) designation. At the death of the account holder the POD beneficiary can claim the money directly from the bank without probate court proceedings. Similarly, owners of investment accounts can designate... Read more »

1 Answer | Asked in Tax Law and Banking for California on
Q: Hi, I recently married in July 2019. My wife

We planned to file joint taxes but a federal student loan she owes from 29 years ago is coming up. We just opened a joint checking 12/20/19. Can our joint account be frozen and money removed for her 29-year-old debit? And will our tax refund be applied to her debit if we file joint? We are in... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Dec 23, 2019

Let me just say this: If your wife still has an old student loan debt--from 29 years ago--the first thing she should do is thank the Good Lord for the government giving her the 29 years of low interest loans. The second thing she should do is stop trying to avoid paying the debt. Why? Because--if... Read more »

1 Answer | Asked in Banking for California on
Q: i was gifted some old stock certificates. some of the companies are still in business. what should i do with them?
Joseph Franklin Klatt
Joseph Franklin Klatt answered on Nov 18, 2019

Talk to a stock broker, preferably in person. There is no shortage of them in your area. Assuming the certificates are valid, you probably want to open up a brokerage account and deposit those shares into that account. Then you can easily sell them, option them, collect dividends, exercise... Read more »

1 Answer | Asked in Banking for California on
Q: Can I sue Discover Bank for negligence, payment not arranged, also agent stated after a year I can lower APR?

A year ago I applied for a Loan at Discover Bank and Agent stated if pay on time, and after a year I can lower APR, and supposedly no hidden fees. I made a payment and it didn't process correctly and they return the funds also the second time I made other small payments and it only went towards the... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Oct 29, 2019

In my professional opinion none of the facts stated by you could be the basis for any lawsuit based upon negligence. So I am afraid to tell you that the only way to get away from this bank is to repay the loan in full. (

HINT: As a former commercial bank operations officer I suggest that...
Read more »

1 Answer | Asked in Consumer Law and Banking for California on
Q: I am looking for a Lawyer from Bakersfield CA

to chack Nova Port Bank 1430 Truxtun Avenue 5th Floor they pushing me to pay more than 8800 $ for some AAC code to unblock my loan from Donald Shaw Loan Firm and is impossible to deducted it from my loan but I am afraid that it is a scam

Adam Savett
Adam Savett answered on Oct 1, 2019

It is a scam.

Run the other direction, fast.

There is no "Nova Port Bank" or any version incorporated in California. There is no ""Nova Port Bank" registered with the Office of the Comptroller of the Currency or any other federal bank regulator.

The address you gave is a...
Read more »

2 Answers | Asked in Banking, Business Law and Contracts for California on
Q: Hello, I started a company to export bulk physical commodities. Is assistance available on a per transaction basis?

The above mentioned transactions are large. Trade Credit Insurance is needed to finance supply chain, shipping etc. The contracts are in need of legal overview.

Is there legal assistance for these large transactions on a per transaction basis?

Kenneth Sisco
Kenneth Sisco answered on Sep 10, 2019

Frankly, I would be surprised to find an attorney who is interested in transactional work, who works on an hourly fee basis, who would not jump at the chance to take work on a contract by contract basis.

View More Answers

1 Answer | Asked in Consumer Law and Banking for California on
Q: I live in CA, father left CD's in NJ bank in trust of my brother and I, the NJ bank is requiring I travel to NJ to get $

I live in California, my father lived and died in New Jersey. My father had certificates of deposit he left in trust to both my brother an me. My brother is also the executor of my fathers estate and lives in New Jersey. The bank is refusing to release the funds to me or my brother unless I... Read more »

William John Light
William John Light answered on Sep 7, 2019

You should talk to an attorney in NJ.

1 Answer | Asked in Consumer Law, Contracts, Small Claims and Banking for California on
Q: Hello. Amazon made a mistake and sent the money that was supposed to be refunded to me to a bank in Brazil.

I used a credit card that is no longer active to make a purchase. Some time later I needed to return the item and contacted Amazon to see if I could have my refund routed to another car. They proposed to send the money (1.300.00) to a gift card.

I asked for them to guarantee it would not be... Read more »

William John Light
William John Light answered on Aug 29, 2019

Small Claims is a good option for a $1,300 claim. Or you could contact the credit card company to find out what it can do about the money that was refunded to your card that is "not active". Unclear what that means, by the way. Is it a card you don't use, or a card that you formally closed the... Read more »

1 Answer | Asked in Contracts and Banking for California on
Q: Is there a way to find a copy of check that was supposedly cashed in 1987?

I called my place of employment where I would have gotten my pension check from. I called Merryl Lynch also, the distributor of check and they had no record. This would have been in 1987. Please assist. I only know they said it was a check from Bank of America. Thank you.

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Aug 13, 2019

Knowing banks and bankers as well as I do, I am sure there is a copy of this check somewhere--or perhaps the original cancelled check is buried beneath 100 tons of stuff kept in storage by the bankers--who keep everything forever.

So, yes, there might be a way to find a copy; however, the...
Read more »

1 Answer | Asked in Banking and Employment Law for California on
Q: There were overdraft fees charged by my bank due to bounced check from the employer. Can I ask employer to pay the fees?

The paycheck was around $1,800 and it was bounced. Due to that fact, bank charged me $35 of penalty. Also, there were few overdraft charges due to unannounced and bounced paycheck.

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Aug 7, 2019

Yes, you can ask your employer to reimburse you. However your employer may not do it.

1 Answer | Asked in Banking for California on
Q: If someones married but separated, one them connects their bank account with the other without the other knowing and

Cleans their account out within a weeks Time. Is that legal? Even though the one is saying that the other is saying that they said it was OK to join account even though it’s a lie

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 25, 2019

Bank fraud is NEVER "legal" even if it perpetrated by the spouse of the person injured by the fraudulent acts. Now before you come back and ask if the bank can be held liable for the fraud committed by a married customer, the answer is no. However, upon proper proof the bank could possibly be held... Read more »

1 Answer | Asked in Banking and Real Estate Law for California on
Q: 26 have a net worth not know about taken advantage of by family and people trying to find out truth

In a position where I'm able to sue people who took advantage if know the truth I got answers I'm tired of my living situation and people making false statements againts me

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 16, 2019

There is nothing about your question and facts that makes enough sense for lawyers to respond.

1 Answer | Asked in Estate Planning, Probate and Banking for California on
Q: How do you petition the court to rule other intent under ca probate code 5302 subdivision a

I have a will that states that my mothers joint bank accounts her half of the community property is mine. The law states that joint bank accounts pass to the survivor unless there is other intent which her will clearly states as well as the letter to my father saying that there joint accounts were... Read more »

Richard Samuel Price
Richard Samuel Price answered on Jul 9, 2019

There isn't a form for that. You would have to draft a petition on pleading paper. Does the will specifically mention the joint account? Ordinarily, a will does not override a joint account.

1 Answer | Asked in Banking, Estate Planning, Family Law and Probate for California on
Q: how to petition court to determine ownership of decedents joint bank accounts

California rules right of survivorship in jointly held bank accounts unless clear and convincing evidence shows other intent by decedent. What forms do I need to file to ask the court to make a ruling on my mothers jointly held bank account when I have a will that says she leaves nothing to her... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 8, 2019

You have already asked this question, and at least two lawyers have already responded. If you do not agree with the opinions of the two experienced lawyers then you should hire a probate lawyer to help you.

1 Answer | Asked in Banking and Identity Theft for California on
Q: How can I research a loan company to see if they are legitimate? I can't find anything on basic internet searches.

I have a name and offer contract. I was contacted by phone and approved before I received the "offer contract". Questions arise due to the payment amount stated does not compute correctly with the stated interest rate and months of loan agreement, also they are asking for a "collateral payment" of... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 20, 2019

If you have to ask whether an internet bank is legitimate or not, it probably isn't.

4 Answers | Asked in Bankruptcy, Banking and Collections for California on
Q: Chap 7. Wife not filing. Joint Citi checking w $5600 on line of credit. It's current. Can Citi offset if stays current?

Since it is a joint debt, can we exclude it from the BK and continue making payments on it?

We want to keep her strong credit completely clean.

Is there any reason to close the joint account?

Timothy Denison
Timothy Denison answered on Jun 17, 2019

Take her off all accounts if you want to keep her credit strong.

View More Answers

1 Answer | Asked in Banking, Identity Theft, Internet Law and Social Security for California on
Q: I was a victim of a Social Security scam. I withdrew 25K in cash and deposited it via bitcoin. Can I get my funds back?

Someone called me pretending to be a Social Security officer and claimed that my SSN was linked to drug trafficking, money laundering, and that there was a warrant out for my arrest. He had an accomplice that spoofed his caller ID to make it look as though he was calling from my local Department.... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 10, 2019

Probably not. Thousands of gullible Americans fall prey to "get rich quick" scams like this every day of the week. If you have the name or any other information about who any of these scammers are--or the names of the banks involved--there are experienced lawyers who can try to trace the scammers... Read more »

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.