Think about contacting a consumer protection attorney familiar with the Electronic Funds Transfer Act (EFTA). If there is a claim that falls under EFTA, there's a chance that an attorney would take the case without taking any un front fees. If you haven't done so, I would also complete a... View More

I would contact a consumer protection attorney that is familiar with the Truth in Lending Act. Depending on the circumstances, you may have a case and a consumer protection attorney will likely offer you a free consultation and may not charge you anything up front if there is a case to bring.

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answered on Apr 21, 2024

Based on the information provided, it does not appear to be a case of wrongful repossession. Here are a few key points:

1. You proactively reached out to the lender 4 days prior to the repossession, informing them of your job loss and your desire to voluntarily surrender the vehicle. This... View More

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answered on Feb 5, 2024

Based on the situation you have described, here are a few suggestions that may help:

- Contact the bank and explain your grandfather's health/mobility issues and the challenges of traveling at this time. Politely request if there is any way the bank can accommodate getting the required... View More

Can you do what you are doing from your home country, such as converting your currency into dollars and then converting it back to your country's currency? Being on student status, having a social security number, and a US bank account, and using it to trade crypto—all of these fall under... View More

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answered on Jan 22, 2024

As an international student in the U.S., you are generally allowed to convert money from your home country into U.S. dollars and invest in cryptocurrencies. However, it's important to be aware of several factors. Firstly, ensure that you comply with the foreign exchange regulations of your... View More

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answered on Jan 3, 2024

In your situation with a car that's costly to repair and still under a significant loan, there are a few options to consider. Firstly, check if your car is still under any kind of warranty. If it is, some or all of the repair costs might be covered, reducing your financial burden.

If... View More

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answered on Nov 10, 2025

You have been fed bad information. “Underwriter s6e2 under Title 15 subsection 1611” is not a real program or loophole to get you a loan; 15 U.S.C. § 1611 is a federal criminal-liability provision of the Truth in Lending Act that punishes willful, knowing violations. It does not authorize any... View More

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answered on Oct 8, 2025

It can be frustrating to deal with an old account like this, especially after several bank mergers and name changes. Since your IRA certificate dates back to 1986, it’s possible that the account was either transferred to a successor bank or turned over to the state as unclaimed property. When... View More

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answered on Aug 30, 2025

What you are describing is serious, especially given the large discrepancy between your last statement balance and the check you received. When a bank closes an account for suspected fraud, they are usually required to provide notice and may hold funds temporarily, but they cannot simply make tens... View More

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answered on Jul 27, 2025

That’s an incredibly painful and stressful situation, especially with a child involved and your access to that money cut off. Even though the account is jointly held by your mom and your boyfriend, both people on a joint account usually have equal rights to the funds, regardless of who deposited... View More

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answered on Jul 26, 2025

It’s stressful when you’re left in limbo like this, especially when it involves something as important as your car. If the finance company closed and the loan was written off, the account may have been sold to another lender or collections agency. Sometimes it takes a while for the new owner to... View More

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answered on Jul 26, 2025

Since the cashier’s check was refused and never deposited or cashed, you should be able to request a refund or cancellation from the issuing bank. Go back to the bank where you purchased the check and explain that the recipient rejected it due to their payment policy. Bring the original check... View More

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answered on Jul 6, 2025

You’re facing a serious banking dispute with high stakes, and arbitration is the right next step given the account agreement. You should seek a lawyer with experience in financial institution disputes, especially those involving consumer arbitration under agreements governed by the Federal... View More

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answered on Jun 1, 2025

You're right to be concerned—this situation involves more than just a closed credit card, especially since it's interfering with your income and causing financial damage. If Bank of America closed the secured credit card and failed to properly notify you or provide a clear path to... View More

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answered on May 15, 2025

Since your IRA Keogh certificate was issued by Talman Home Federal Savings and Loan, and the bank has since been acquired by BMO, it’s understandable that the process of cashing it has become complicated. While BMO has informed you they can't assist, there may still be options for you to... View More

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answered on May 15, 2025

You’re in a challenging situation, but there are a few options to explore. First, reach out to One Main Financial and explain that you’re unable to pay off the loan in full, but you are still making regular payments. Ask if they would consider releasing the title temporarily so you can scrap... View More

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answered on Apr 8, 2025

First, contact your bank again and request to escalate the issue to a higher authority, explaining the situation in detail. Clearly state that while you allowed your niece to make a single withdrawal, you did not authorize the multiple subsequent transactions. Ask them to investigate the... View More

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answered on Apr 8, 2025

The FDIC can provide assistance by helping you navigate the recovery process, especially if the financial institutions involved are insured by them. They will look into the specific circumstances surrounding the theft, including whether any regulations or protections related to FDIC-insured... View More

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answered on Mar 24, 2025

Your situation with the dental procedure loan requires careful consideration before deciding whether legal representation is necessary. You should first contact your dentist's office to discuss cancellation options and review any paperwork you received when taking out the loan. Many dental... View More