I read that 25000 and under and over 16%
But I would be charging less in interest so would I need any license ?
answered on Jul 24, 2019
If you are lending to the public you need a banking license.
Is there any legal recourse? The bank has been dishonest multiple times, I have by mail requested the application which they approved in my name (spelled incorrectly and wrong mothers maiden name etc) and they are refusing to send me the application. According to government websites they cannot... View More 
answered on Jul 21, 2019
The bank is right. If the card was canceled you have no damages. If you made a police report, then the police investigate the account, not you. The bank records are not yours, by your own allegation. You can sue and do a subpoena, but I am not sure what the suit would be claiming.
I recieved a business card from a repo company PI. Not only did i recieve it at my house but it got addressed to me and sent to my boyfriends house as well. I never put his address on any documents what so ever. The only place i have his address is my phone and my car GPS. I never put his address... View More
answered on Jun 26, 2019
In these days of very advanced high-tech electronic systems and devices there is no doubt that smart investigators, private or otherwise can track anyone, anywhere at anytime--without stopping for coffee. There is nothing legal that you or I can do about it either. Welcome to America, circa 2019.
My house was sold back to the bank after a foreclosure the Referee listed my exhusband as the Grantor on the deed instead of me. He was removed from the deed by quit claim when we got divorced 12 yrs ago. He was still on the mortgage but he was no longer responsible for that either since he filed... View More
answered on Jun 6, 2019
Probably not. However, the error can easily be corrected.
I can't imagine it being a customary practice of any or most banks (as a result of all the fees they would lose); But if a merchant makes a night drop of received checks for DEPOSIT into their account and knows someone at the bank who, as a courtesy- checks the availability of funds BEFORE... View More
answered on Apr 30, 2019
Since you say you are "delighted" with the outcome, what are you hear on Justia asking lawyers to do?
The management company of the property we rented had a relationship with someone at the bank that enabled them to verify funds were available before processing checks. Saving fees to both the management company and the tenants. As a result, any time throughout our 10 year tenancy that funds were... View More
answered on Apr 11, 2019
The fees that a landlord is allowed to charge depends upon the terms of the lease.
I cannot 'deploy' the invention, of course, since I cannot issue credit cards. The idea is specific to how card fees are charged. How can I protect it.
answered on Mar 21, 2019
I can't tell you that you can patent your invention. You can patent an invention that is patentable subject matter. It must be new, non-obvious and you must be the first to apply for a patent on the invention. You don't need a prototype so long as the invention is fully developed/designed.
The check is at my lawyers office.
answered on Feb 28, 2019
Something is not right. You need to contact the bar and file a grievance. This is not how this works.
i have invested $20,000 in a company selling securities, i was told they would send the certificate of stock after 6 months, it has been more than a year i have yet to receive a certificate, the company is still online selling securities but their information have chnaged i cannot get any contact,... View More
answered on Jan 2, 2019
It sounds like you were scammed. Call the Securities and Exchange Commission enforcement office and the FBI. Your bank has nothing to do with this. They just sent a wire to a place you ordered. Am I missing something? The "company" you are dealing with likely does not really exist in... View More
I made numerous threats of prosecuting him criminally he gave me partial payments for a few months . He stopped paying , can I prosecute after 2 years have past ?
answered on Nov 9, 2018
Only the DA can prosecute anything. You can make a criminal complaint for the bounced checks, but it is very unlikely to be acted upon. You can sue in Supreme Court for damages, but that is really it.
I withdrew money from my 401k due to financial hardship, the institution in error sent to a closed/overdrawn account (I have proof this is their error). Can the bank legally take my money even though it was for hardship and they were previously notified of bankruptcy?
answered on Nov 5, 2018
Possibly. It depends on the timing of how it came down.
Only one check went through for 500$
answered on Oct 21, 2018
Yes, but if you cover the checks they will not. Who cares at that point.
Acorns withdrew $1,000 from my checking account. Said it was a "one-time investment", but i never withdrew anything manually or agreed to anything. I need an explanation for this. There's nowhere in the terms & conditions that state that this would happen. Is there any legal... View More
answered on Oct 5, 2018
I do not know what Acorns is. But you need to make a fraud complaint with the bank ASAP, and make a police report. You need to block this auto debit with the bank. Getting it back is problematic.
My coworker is paid off the books and gives me cash and I put it in the bank and PayPal it to him I don’t know if I’m in trouble and if so how much and what do I have to do to fix it
answered on Oct 3, 2018
There are ways of dealing with this. The bank is not the IRS.
They keep charging me even after I replaced my card
answered on Sep 8, 2018
Immigrants are not denied checking accounts. But you need a certain level of ID and a tax ID number to do so.
My sister met this guy online she gave him her banking information when he asked so he could send her money, he sent money and now he is demanding she buy gift card with the money what does she do he started getting aggressive once he deposited and from my understanding the money has not cleared... View More
answered on Aug 14, 2018
This is a common scam. It will not clear the bank, and she will be liable. DO NOT WITHDRAW ANY MONEY.
Using a promissory note with a zero or low interest rate. I'm thinking of banking laws and securities laws.
answered on Aug 3, 2018
Yes, as long as the lending is to a known entity and not a solicited transaction. Then it is banking.
answered on Jul 30, 2018
You must exchange it. Or have the bank do it. But all deposits must be dollar denominated.
I really don't know what to do, We tried to use a credit card but the funds were insufficient so the credit card wasn't charged, The contract says it's nonrefundable. Other people are charged 260 for 4 classes a week when i blindly signed and now am sopposedly charged '2 monthly... View More
answered on Jul 27, 2018
I'm not sure I see how this relates to Bankruptcy... If you're seeking to determine whether this can be discharged in a bankruptcy case, the answer is likely "yes".
Otherwise, it seems to me that you signed a contract and that you're liable for whatever obligations... View More
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