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I went to a hotel, to get a room that costs $60 per night. The hotel has a policy that there is only 15 minutes within paying to either change rooms, or ask for a refund, and makes people sign a paper stating this, and does not let people look at the rooms first before deciding to pay. In my case,... View More 
answered on Jun 21, 2019
Wow. It's too bad you did not anticipate any problem when this (very cheap) hotel made you sign an agreement not to complain about their cheap rooms unless you do it immediately. In any event, there is nothing you can do to force your bank to give you the $60 that the hotel kept. Why not... View More
I recieved a call from a person claiming to be a part of 'Larkin mediation'. He said that I owed wachovia bank 100$ back in 2009 and that If I do not settle for 400$, I will be served and brought to court for over 2000$. When I searched their phone # I get no results for a business. They... View More
I am the executor of my mother's estate. During the asset collection process I discovered my sister had stolen and used my mother's debit card while my mother was in ICU and medically induced coma. She never regained conscience and passed away. The bank is refusing to credit back and... View More
answered on May 13, 2019
Unless you have opened a probate estate and have been accepted as the executer your being named the executor of your mother's estate in her last will is not enough to get the bank's attention. Furthermore, you cannot sue your sister personally because she did not steal anything from YOU;... View More
Which state does the “usuary” law (s) apply? The resident’s state or the lending company ‘s state?
answered on May 6, 2019
Penalties for usury are applicable in the resident's state. However, if the loan is usurious in the lenders state it may apply to you as well. Hire a lawyer to research it.
Sold my loan, the new company is still affiliated with the old one, they stated that I have to start the process over, which will cause me to lose my buyer.
answered on May 6, 2019
This new trick is becoming all too common in the mortgage lending industry. Your best bet is to hire a good real estate lawyer and have them write a very strong letter to the original lender and the new lender warning both of them that you may take legal action against both lenders if necessary to... View More
I have an old debt with a landlord in Ohio from 2014. A judgement was issued in Ohio in2015. I completely forgot about, as I had zero communication with the debtor in the past 3 years. Now they got a bank levy and I have til May 1, 2019 to respond to a notice for a hearing or to claim why I... View More
answered on Apr 23, 2019
This would be an easy problem to solve if it did not involve two separate states. If the bank levy was filed in the state of North Carolina you should hire a NC lawyer to help you. If the action was filed in Ohio, you need an Ohio lawyer. Do not try to defend against this levy without a lawyer.
answered on Apr 16, 2019
You will get a vetter response by looking for a lawyer using the Justia search engine on this site.
The authorized user on my grandmother's account has been cashing her checks and not giving them to her and also making serious changes to the account without the account owner's presence is this legal
answered on Apr 5, 2019
There is a very common belief that there is a difference between an "authorized user" of a personal bank account and a "co-owner" of a personal bank account. While there are several different kinds of bank accounts, access to each type of bank account is either defined in the... View More
My girlfriend owns her own business which is incorporated. She's the only employee and works out of our home. We live together. A few years ago, her tech business invested in a coastal property.
1- At the same time, my gf & her ex-husband jointly owned a different property.... View More
answered on Apr 23, 2018
It depends on the transaction and how it is structured. Generally you can't avoid debts by transferring property and assets to insiders, particularly for no payment. The creditor can file an action to avoid the transfer based on several factors. Thus, if you are tranferring assets, it has to... View More
My wife purchased a vehicle from Drive Time before I entered the military (active duty) and her intrest rate is extremly high. 25% or so. Back then she had a job where she could afford it, but now om the only one with an imcome. I reclently found out about SCRA (service member civil relief act)... View More
answered on Feb 4, 2018
You need to put it in writing. Here is some suggested language:
Dear Sir or Ma’am:
Pursuant to the Servicemembers’ Civil Relief Act (“SCRA”) 50 U.S.C. App. Section 527,
this letter is my formal written request to reduce the rate of interest to six percent (6.0%) for... View More
answered on May 3, 2013
You can start here:
http://en.wikipedia.org/wiki/Bank_Secrecy_Act
answered on May 3, 2013
You can start here:
http://en.wikipedia.org/wiki/Bank_Secrecy_Act
answered on Apr 2, 2013
If there is a personal guarantee of a business loan, if the business does not pay then the bank or lender can sue the guarantor. The lender, if it wins a judgment, can recover the same as in any other civil case against a debtor. NC law allows an individual person (not a corporation)to exempt... View More
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