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My husband was killed and the beneficiary of his life insurance was left to his ex-wife. Their absolute divorce was granted in 2008. Is the ex-wife entitled to this policy?
answered on Dec 10, 2015
Yes, she is. It was his responsibility to change the beneficiary if he wanted to do so.
I live in North Carolina.
I own one car already (out right no financing) and just financed a second car.
The bank is saying they can take away my financing if I register both cars.
Just moved from New Jersey so I would have to register two cars in North Carolina.
answered on Oct 27, 2015
That sounds quite ridiculous to me. Read the loan papers. Talk to a local attorney.
because i think my husband misunderstood something or etc. If we are approved for the loan and are being told to gather up our w-2 forms and past 2 yrs tax papers while we starting house hunting. Why would my husband assume we have to pay off or get his old credit card wiped off his credit history... View More 
answered on Oct 12, 2015
That bill from 7 years ago might be totally uncollectible and have no consequence at all. It apears that the statute of limitations on contracts in NC is only 3 years. You have to ask individual lenders about their own policies and procedures.
She wanted the house over o u r son but still sees him I've given her $ for the payments 7 to be exact & she blew it on drugs and says I'm still responsible for future and past payments. I don't want to pay anymore what should I do?
answered on Sep 9, 2015
Look at the mortgage, it probably says that you are responsible to make payments. Was there a divorce? That may not say that you do not have to make the payments, and you cannot just change that mortgage unilaterally without the mortgage company's approval. In other words, you are most likely... View More
a down payment of $500 when we haven't given them a penny. We drove it off the lot and they said we have 30 days to give them a down payment. We found out that we aren't even approved with a bank yet, and if we are then it is simply because they lied to the bank and gave them $500 that we... View More
answered on Aug 1, 2015
Talk to a local consumer protection lawyer. A strong letter from a lawyer might help resolve this.
Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is general information that is given for legal education only. It is not legal advice,... View More
My husband father died suddenly at 55. All children are grown and have their own homes and families. He had no provisions for this. We have found out that the house was scheduled for foreclosure, numerous unsecured loans, medical debts totaling over 200K. Are the adult children responsible for any... View More
answered on Jul 8, 2015
Adult children are generally not responsible for the debts of a deceased parent, and a debt collector who claims that they are obligated to pay those debts may be violating consumer protection statutes and liable for damages.
Note, however, that the estate of the deceased is liable for... View More
I never received notice that they sold the car but it went on my credit report in September 2011 for the amount they lost from the auction can they try to sue me now 2015? Looks like they waited until I bought a home to try and sue.
answered on May 29, 2015
One aspect to this is what the statute of limitations is for their claim in your state. A local debt settlement or civil litigation lawyer should be able to advise and assist.
File a lien against my residence or land I own free and clear or would the Bank file a judgement against me which would follow me, so if I sold a property or my residence the Bank get paid first?
answered on Apr 26, 2014
Banks do not file liens. If you owe money to the bank and don't pay the bank may turn over the debt to a debt collector. Eventually, the bank may sue you and if they do, they will probably recover a judgment unless you have some sort of valid defense. If and when that happens, then the... View More
answered on Apr 11, 2014
Without knowing any of the details I would have to say no. There is no right to get a mortgage. And if you expended any money (earnest money, appraisal fees, inspection fees, these are incidental and consequential damages and are usually not recoverable).
Why were you turned down? Could... View More
Protect my home i am elderly. i have been sending money to them monthly. Is there anything i can do
answered on Mar 17, 2014
Why are you sending the creditor money or making payments? If all of your assets are exempt and you filed your exemptions, making payments is dumb. There is no reason to do it. Its better to make the payments to yourself and build up funds so that you can settle the debt at some... View More
answered on Nov 1, 2013
How can land (an inanimate thing) change a contract? If you meant the landlord, how can the landlord change a contract either?
You need to go see a lawyer and pay the lawyer to review your documentation.
answered on Nov 1, 2013
What is a "re-send" law?
What are you looking for? There are provisions in the Motor Vehicle Code (Title 20 of the NC Gen. Statutes) that deal with transferring a used motor vehicle that is either a flood/salvage/rebuilt vehicle or vehicle that has been in a wreck and damaged. The... View More
answered on Aug 16, 2013
You do not provide enough facts. You used your debit card. How soon after discovering the fraud did you notify your bank? There are time limits. With a credit card, you have 60 days after the charges appear to dispute them. Not so with an ATM card. You have 2 days to dispute this with your... View More
Vehicle check engine light came on same day of purchase shortly after leaving the dealership.Strong smell of oil continued to get worst, vehicle leaking oil and coolant. Paid $9,995 for vehicle and repairs are $10,149.79.
answered on May 31, 2013
Virginia. If the car was sold in Virginia then Virginia law is going to govern here.
answered on May 18, 2013
You do not post enough information. Has the closing occurred? If so, then ownership of the property passed to you. In that case, the sellers are basically your tenants and if they will not leave the property then you would have to evict them or they can pay you rent - depending on how badly you... View More
answered on Mar 14, 2013
Buying anything with another person to whom you are not married is a BAD idea. So she has the car and you have made all payments? Who name is on the car loan? Is the car paid off or still financed? Most importantly, whose name is on the insurance?
If your name is on the car loan, then... View More
answered on Mar 8, 2013
There is no 3-day right of rescission regardless of whether you buy a car new or used.
answered on Mar 8, 2013
Its not against the law for a collection agency to try to collect on the debt. Your right is to send a dispute letter under the fair debt collection practices act and state law advising that you dispute the debt as you believe the debt may no longer be legally collected due to expiration of the... View More
answered on Mar 8, 2013
It depends. What kind of contract? Some provide for rights of cancellation in the contract. In such case, cancel as per the contract terms.
Was this for purchase of a car? There is no right to cancel then.
Was this an in-home sale? If so, then there is a 3-day right of... View More
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