Short answer: No. The reg states that no advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified down payment, by the creditor who advertises his services.

In most states once assets are escheated (turned over) to the state, that is your exclusive way to recover those assets. You must go to the state as the holders of these assets have turned them over to the state. If your state is anything like PA, this process is very detailed, complex and time... View More

A petition, affidavit, consent of the remaining heirs and other papers need to be filed with the Probate Division of the Circuit Court. Once the Probate Judge reviews all of the papers and they are in good order, he/she will make the appointment of independent administer.

This is a Spot Delivery scam. It is happening more often now. Since a month has gone by, you may be able to force the dealer to finance it themselves. In other states, they only have 10 days for the seller's right to cancel. In IL, you need to read your sales contract for the term. If you... View More

I can't tell from your facts if you are facing a business bankruptcy, a personal bankruptcy or both. However, it sounds like you need a mechanism to stop the litigation and to liquidate debts in an orderly fashion. That is one of the functions of a bankruptcy case. I need to know more about... View More

If you turned title to the car over to the bank, then yes - they own the car and can do with it what they want. Unless you have a written agreement with the bank that obligates them to put the car up for auction so you could bid on the vehicle, the bank had no requirement to do that.

No. American banks can refuse loan applications for any financial reason--whether you think it is the right decision or not. Learn this lesson right now:

ALL banks are ALWAYS looking out for THEMSELVES first, not for their customers. Banks do not care about you, nor do they want your... View More

Based upon your description I would recommend that you contact the Illinois Department of Labor and make a claim for the salary/wages you are apparently owed which have not been paid for three months. Here is a link to the website: https://www2.illinois.gov/idol/Pages/Complaints.aspx... View More

Established facts:

1. The bank already got the money they asked for in the sale.

2. Your mother already got the money left over from the sale of her house.

3. The money your mother received was deposited into a joint account owned by you and your mother.... View More

As far as the adverse impact on the recipient goes, the answer is yes, they are the same. However, bank wires are usually much more reliable than checks-- and thus do not "bounce" as easily. At least that is the way it was when I was an operating officer in a large bank.

Yes, it is a crime to cash or attempt to cash a cancelled check.

A check is not valid unless it is endorsed by the person who is cashing it. Therefore, you cannot deposit an unendorsed check. You have no recourse against the bank.

If your brother is the executor he needs to file the necessary paperwork with the Court in the County where your father resided at the time of his death. That being said, there is a significant amount of work that must be put into your father's estate to ensure it is properly handled. You... View More

You can't write a check drawn on your wife's account if you're not listed with the bank as a person authorized to do so. If there is a pending divorce case, let your lawyer know what she did as quickly as possible (before the refund is spent), especially if there is a court order... View More

The house will stay in husband's name until legally taken off through mortgage foreclosure or tax sale.

Only other way is for a probate estate to be opened and the house sold.

If the daughters are not on the note to the house, they have no liability.

Often, when a house... View More

You will, no doubt, need to pay off all of the debts affecting the house by no later than the closing date.

The answer is going to depend on the exact wording on the trust. It would be unusual for the person creating a trust to give someone else the power to determine who benefits from it.

You haven't provided enough info to allow for a complete answer, but I can say this much. Our law is far from perfect, but it is not without understanding. He can take you back to court and seek to have you held in contempt for failing to pay what you were supposed to pay under your Judgment,... View More

He can try to keep all of the settlement, but it is a marital asset, and your would be entitled to your equitable share of it if you were in an actual divorce situation. If there is no divorce case involved, he if free to do whatever he wishes with the settlement proceeds. You will be entitled to a... View More

I understand your frustration, and unfortunately this happens quite often. Your options and remedies depend on very specific facts that are not provided here, such as the specific representations that were made by the seller's and bank in regards to your home being in a flood zone, and the... View More