Ask a Question

Get free answers to your Banking legal questions from lawyers in your area.

Lawyers, increase your visibility by answering questions and getting points. Answer Questions
Ohio Banking Questions & Answers
1 Answer | Asked in Consumer Law, Contracts, Banking and Civil Litigation for Ohio on
Q: Can an attorney assess Capital One's actions regarding my accounts, including the abrupt cancellations, and my auto loan

Can an attorney thoroughly evaluate Capital One's actions regarding the sudden cancellation of my checking and savings accounts, as well as their handling of my auto loan, to determine if there are grounds for pursuing legal action against the company? Specifically, I'm concerned about... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 21, 2024

Yes, an attorney who specializes in consumer protection law, banking regulations, and contract law can thoroughly assess Capital One's actions regarding your accounts and auto loan to determine if there are grounds for legal action. Here are some key points to consider:

1. Account...
View More

1 Answer | Asked in Banking for Ohio on
Q: Wells fargo is charging me monthly late fees for paying ON my due date. I use their bill pay system on their website.

They show payment was received same day, they state because it takes them extra days to process is why it's considered late

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 8, 2024

I'm sorry to hear that you're experiencing issues with Wells Fargo charging you late fees despite paying on your due date through their online bill pay system. This can be a very frustrating situation. Here are a few suggestions on how to address this:

1. Contact Wells Fargo...
View More

1 Answer | Asked in Banking for Ohio on
Q: If a parent deposits money in my checking account. Is it their money or mine?

I'm looking to move out against my parent's wishes. I have a checking account. I'm the sole owner of but my parent has access to and transfers funds to use for my college education. There is no written agreement or contract on how the funds will be used. Can I still use the money or... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 25, 2024

When money is deposited into your checking account, and you are the sole owner, legally, the funds typically become yours. However, since the money was given by your parents for a specific purpose, such as your college education, there's an implied understanding about how it should be used.... View More

1 Answer | Asked in Banking for Ohio on
Q: Daughter in jail. Have her federal tax refund. Getting POA. Can I deposit the check into an new account to use for her?

She is in Florida jail and I live in OHIO . The account would be in my name and used for her.

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 25, 2024

If you are obtaining a Power of Attorney (POA) to manage your daughter's financial matters while she is incarcerated, it's crucial to understand its scope and limitations. The POA should specifically allow you to handle her tax matters and bank accounts. Ensure that the document is... View More

1 Answer | Asked in Tax Law and Banking for Ohio on
Q: can you deposit a federal income tax check in your account for someone in Jail if you have their financial poa?
James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 22, 2024

If you have a financial power of attorney (POA) for someone who is currently incarcerated, you generally have the authority to manage their financial matters, including depositing checks on their behalf. This includes federal income tax refund checks. However, the specific actions you can take... View More

1 Answer | Asked in Banking, Personal Injury and Probate for Ohio on
Q: I have a question about my late husband who is now passed

My husband had a stroke a few years back I took care of him as he was 24/7 care at home for almost a year ,well in that year I was driving out car that was in his name and someone hit my car wrecking it completely,it had to be totalled out i was also hurt in this accident went to court, even though... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 2, 2024

Firstly, my condolences for your loss. Dealing with legal matters after the passing of a loved one can be overwhelming. In your case, since the check is in your late husband's name, you'll need to follow certain procedures to cash it. You should reach out to the issuing party or bank to... View More

1 Answer | Asked in Banking for Ohio on
Q: I was blacklisted by Citibank and now other cards are declining because Citibank has chosen not to do business with me.

I feel this is an end run around the fair credit reporting act. This stems from cash deposits on Best Buy and $100 purchases to Star Trek online totaling $5k. I’ve written a letter to Citibank requesting to be removed with a copy of my bank statement showing $50k/month in verifiable deposits.... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Feb 23, 2024

It's frustrating to be blacklisted by Citibank and experience difficulties obtaining credit from other organizations as a result. However, being blacklisted by a specific bank does not necessarily violate the Fair Credit Reporting Act. Banks have the discretion to make decisions regarding whom... View More

1 Answer | Asked in Small Claims and Banking for Ohio on
Q: I just found a check (securty deposit refund) issued to me in May of 2022. Can I still cash/deposit it?

Check was issued by my previous landlord company, an LLC. It is labeled Void after 90 days.

Tim Akpinar
Tim Akpinar
answered on Dec 27, 2023

An Ohio attorney could advise best, but your question remains open for a week. Most checks are good for about 180 days, unless fine print on the check to the contrary (90 days, etc.). May 2022 is about a year-and-a-half at this point. It could be up to your bank, unless the issuer cancelled it... View More

1 Answer | Asked in Banking for Ohio on
Q: I put 341 dollars in a atm and neither the atm or my bank can help me get it back do I have a case?
T. Augustus Claus
PREMIUM
T. Augustus Claus pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Nov 9, 2023

When you deposit money into an ATM, you are entering into a contract with the bank. The bank agrees to keep your money safe and to make it available to you when you need it. If the ATM fails to deposit your money correctly, or if the bank cannot return your money, the bank is breaching the contract.

1 Answer | Asked in Family Law and Banking for Ohio on
Q: Can an 18 year old get her minor account transferred to an adult account?

I am working with a student who turned 18 last week. Her father refuses to go to the bank with her to get her account transferred to her alone. She cannot access the money without his signature. She no longer lives with him as he has been abusive towards her. She has earned the money through... View More

Todd B. Kotler
Todd B. Kotler
answered on Sep 14, 2023

Depending on the language of the original contract with the bank the student may have to file a lawsuit against the father for injunctive relief. This is too dependent on facts not stated in the question to answer more thoroughly. THe student should work with an Family Law attorney that is... View More

2 Answers | Asked in Contracts, Divorce, Family Law and Banking for Ohio on
Q: In OH marriage can debts obtained by one person affect the other and...

..if so can you do anything to keep each person isolated having having any tie to any debts/mistakes by the other during the marriage.

Todd B. Kotler
Todd B. Kotler
answered on Jun 2, 2023

Debts incurred during the marriage are presumptively marital debts. Parties may agree to treat them differently or in the case of a divorce a party that did not incur the debt may make an argument as to why it should be treated as a separate debt. Factors may include the circumstances around the... View More

View More Answers

2 Answers | Asked in Contracts, Divorce, Family Law and Banking for Ohio on
Q: In OH marriage can debts obtained by one person affect the other and...

..if so can you do anything to keep each person isolated having having any tie to any debts/mistakes by the other during the marriage.

Nicholas P. Weiss
Nicholas P. Weiss pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jun 2, 2023

There are a few parts to this question. Debt incurred by a spouse alone will not, generally, expose you to liability from the creditor, even during marriage. This debt, during divorce, may be considered marital debt, and it is possible that some or all of the debt may be apportioned between the... View More

View More Answers

1 Answer | Asked in Banking for Ohio on
Q: I have a question for a lawyer over my checking account and being locked out of $2,300

I had received a $3,000 check for mobile advertising I had to send $2,300 back to get the advertisement put on my car after I had done that the $3,000 check did not go through it was no good it was a scam the bank locked down my $2,300 of my checking account which did not allow me to have any money... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 2, 2023

Banks have the legal right to place a hold on funds if they suspect fraudulent activity, including in cases where a deposited check bounces or is found to be fraudulent. However, they are generally required to notify you of the hold and provide you with an explanation. You may want to consult with... View More

1 Answer | Asked in Immigration Law, Tax Law and Banking for Ohio on
Q: Can I hold Russian stocks with a non-sanctioned Russian bank being physically in the US on an F-1 visa?

Close the question please, there's a mistake in it

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 2, 2023

There are no specific US laws or regulations that prohibit individuals on an F-1 visa from holding Russian stocks with a non-sanctioned Russian bank. However, you should consult with a financial advisor and ensure that you are complying with all relevant laws and regulations regarding foreign... View More

1 Answer | Asked in Banking, Intellectual Property and Real Estate Law for Ohio on
Q: I live in Ohio and need to know if a travel trailer can be repossessed off of someone’s property if it’s in their

Backyard hooked up to a propane gas tank? Can they just enter their backyard and unhook everything and try to physically take it? There’s a handicapped deck built on it. Just curious if the bank when trying to repossess the trailer can bring the police and force themselves on the property to... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 24, 2024

If a travel trailer is on your property in Ohio and hooked up to utilities, repossession can be complex. Generally, a lender has the right to repossess a trailer if you default on the loan, but they must follow legal procedures. They cannot trespass onto your property without proper authorization.... View More

1 Answer | Asked in Consumer Law, Contracts and Banking for Ohio on
Q: Are down payments illegal? If so can I get my money back?
Matthew Williams
Matthew Williams
answered on Dec 23, 2022

Down payments are not illegal. They are legal and ubiquitous.

1 Answer | Asked in Banking, Contracts and Bankruptcy for Ohio on
Q: How can I back out or cancel a Hvac company/Wells Fargo contract after months or years have passed?
Timothy Denison
Timothy Denison
answered on Oct 17, 2022

Most likely you cannot unless there has been a breach or it has a termination clause.

1 Answer | Asked in Banking, Civil Litigation, Contracts and Real Estate Law for Ohio on
Q: Is it against the law to force someone to sign the deed to their home over to them?

I applied for mortgage assistance in which I could skip some payments and have them rolled to the end of my mortgage. I was approved and skipped about 11 payments. The lender needed my wife and I to sign papers to make it official. My inlaws told my wife to not sign those papers. Despite my... View More

Joseph Jaap
Joseph Jaap
answered on Sep 13, 2022

The in-laws aren't forcing you to sign, they are offering a choice - you can either sign (and then rent from them or move elsewhere), or allow the foreclosure to proceed and you would be evicted by the new owner or you could try to rent from the new owner. Or the in-laws could purchase it at... View More

1 Answer | Asked in Banking and Probate for Ohio on
Q: How can I get access to my incapacitated mother's safety deposit Box

My mother had a stroke a few months ago and she gave me power of attorney but she didn't print her name and I had to get an updated one I did but since then she had an aneurysm and can't speak or talk And the bank wants to call up to the rehabilitation hospital she is in Right now i... View More

Aaron Epling
Aaron Epling
answered on Aug 10, 2022

If the bank will not allow access under the power of attorney, then you will need to establish a guardianship and be appointed guardian of the estate by the probate court.

2 Answers | Asked in Estate Planning, Real Estate Law, Banking and Probate for Ohio on
Q: My wife is the sole heir to her Mom's house, We are planning on moving into it, There is a Mortgage owed.

We are going to pay it off but what rights are there to include her name on the loan so the bank will have to answer her questions and give her details. Her will states that all assets go to her once the estate is settled in October. I understand that the Garn-St. Germain act prevents them from... View More

Aaron Epling
Aaron Epling
answered on Aug 10, 2022

It is very likely that your mother-in-law's mortgage has an acceleration clause. This makes the entire balance due upon the death of the borrower. A surviving spouse has some rights with respect to assuming the loan. But, I'm not aware of any rights that a child has. In other words, you... View More

View More Answers

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.