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Oregon Banking Questions & Answers
1 Answer | Asked in Banking and Social Security for Oregon on
Q: I am POA for my mother. My mother is now in a nursing home. I need to change her address with the bank to POA address?

Both my mother and I are on Social Security but we belong to two different banks. I am her POA. She now lives in a nursing home. My question is can I change the address at the bank from her old address to a new address with just using a POA or, do I need to be a joint owner on her account to change... View More

James L. Arrasmith
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answered on Feb 22, 2024

As a Power of Attorney (POA) for your mother, you have the authority to manage financial transactions and make administrative changes on her behalf, including changing the address associated with her bank account. It is not necessary to be a joint owner on the account to perform these tasks; the... View More

2 Answers | Asked in Banking, Elder Law and Social Security for Oregon on
Q: I am POA for my mother. I owe collections. Her income is strictly Social Security. Can they garnish bank account?

I am on Social Security and my mother is also on Social Security. She is in a nursing home and soon I have to go put my name on her account at the bank to take care of her medical bills. I owe collections a great deal of money and I only receive Federal benefits and she only receives federal... View More

Theressa Hollis
Theressa Hollis
answered on Feb 9, 2024

If you are handling your mother's money as her Agent under a Power of Attorney you do not need to add your name to her bank account. Just give them a copy of your mother's Power of Attorney. Your mother's money should not be used to pay any of your creditors.

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2 Answers | Asked in Banking, Elder Law and Social Security for Oregon on
Q: I am POA for my mother. I owe collections. Her income is strictly Social Security. Can they garnish bank account?

I am on Social Security and my mother is also on Social Security. She is in a nursing home and soon I have to go put my name on her account at the bank to take care of her medical bills. I owe collections a great deal of money and I only receive Federal benefits and she only receives federal... View More

James L. Arrasmith
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answered on Feb 22, 2024

Under federal law, Social Security benefits are generally protected from garnishment by creditors. This protection applies to the bank account into which the Social Security benefits are directly deposited, ensuring that these funds are safeguarded from most types of debt collection efforts.... View More

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1 Answer | Asked in Family Law, Banking, Municipal Law and Probate for Oregon on
Q: After losing my dad last year I have not been able to access money he left cause the bank wants more information

I provided my soc.

PhotoID

And other bank account

Offered my birth certificate

James L. Arrasmith
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answered on Feb 5, 2024

I'm sorry for the frustration this situation must be causing on top of grieving your father's loss. The bank likely has certain procedural requirements they are obligated to follow before releasing funds, but there may still be some things you can do here:

- Request a written list...
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1 Answer | Asked in Banking, Civil Litigation and Contracts for Oregon on
Q: Registration extension to reinstate license and replace the damaged items in full succession. How to make it happen. ??

1946 through 2026 already paid for.

James L. Arrasmith
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answered on Dec 30, 2023

To reinstate a license and replace damaged items, the first step is to understand the specific requirements set by the relevant licensing authority or agency. Each type of license has its own set of rules and processes for reinstatement.

If you've already paid for the period from 1946...
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1 Answer | Asked in Banking, Divorce and Family Law for Oregon on
Q: In Oregon can I move my paychecks out of our joint account prior to divorce being filed?

I have been separated from my spouse since May 2023. Both our paychecks go into a joint account along with shared bills. Am I allowed to move my paychecks to another account before the finalization of the divorce?

Steven Leskin
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answered on Dec 1, 2023

The best way to handle this situation is to discuss with your spouse how you will handle the joint account going forward. Your spouse will want to move his/her payroll deposits as well to an individual account. You should discuss the timing, and how much you will each contribute to the joint... View More

1 Answer | Asked in Banking and Probate for Oregon on
Q: My mother passed away. She had a pay on death statement on one account from many years ago .

She listed my sister as the beneficiary on that account with a pay on death statement. She has had multiple accounts since, re married, and never listed a survivor, or a beneficiary on any of the other accounts. When my mother passed my sister took the old POD from the first account and cleared all... View More

Theressa Hollis
Theressa Hollis
answered on Jul 25, 2023

I am very sorry for your loss. It is possible that the Payable on Death (POD) designation that your mother signed with her bank could have covered all of her accounts with that bank. It just depends on the language in what she signed. There isn't any sort of time limit on a POD designation.... View More

1 Answer | Asked in Consumer Law, Bankruptcy, Banking and Collections for Oregon on
Q: If my money is stuck in a merchant gift card, can I charge back on my credit card to get my original funds back?

I pre-ordered products from a merchant and place the charges on my credit card. The timeframe was taking too long so instead of receiving any product, the merchant cashed me out at a higher price then I originally paid, but paid me with his store gift card. The merchant has since been shut down by... View More

Timothy Denison
Timothy Denison
answered on Dec 14, 2022

You can try, yes.

1 Answer | Asked in Consumer Law and Banking for Oregon on
Q: Any regulations for a bank such as Chase to require both signatures if a check is made out to John Doe and Jane Doe?

Check was deposited to individuals account not a joint account and it was to be divided equally.

Gregory L Abbott
Gregory L Abbott
answered on Aug 24, 2022

They should require two signatures IF the check was made payable to one person and a second one. If it was just payable to the two names without the "and" included, then either could cash it with just their signature. Instead of "and", an "or" is legally implied.

1 Answer | Asked in Consumer Law, Small Claims and Banking for Oregon on
Q: If you wire transfer money to someone and then realize it was fraud, how can you file a complaint to the court

if you don't know their physical address?

Gregory L Abbott
Gregory L Abbott
answered on Jun 29, 2022

You can file a complaint with your local police, with Oregon's Attorney General Consumer Fraud Division (can file online), and with the FBI who has a task force specifically aimed at this sort of fraud. All that said, the odds are extremely remote that any of them will actually do anything... View More

1 Answer | Asked in Banking for Oregon on
Q: I am being sued by Bank Of America over a an account from 2004 because of law that was signed by President Trump ?

I was notified by ??? to contact lawyer office as they were intending to sue me to see if arrangements could b agreed on

I did, spoke with a mediator he offered to drop the fees (7500+) n return to original balance ($2614) if I paid $100 yesterday n contract for balance at $150 a month. I... View More

TeAnna Rice
TeAnna Rice
answered on Oct 13, 2021

I would reach out to an attorney on your behalf to determine whether this is a scam, as it sounds like such.

1 Answer | Asked in Consumer Law, Banking and Landlord - Tenant for Oregon on
Q: I deposited a check into my account that was not honored by my landlord’s bank. That was in May. When do I get my money?

Clackamas Housing Authority is my landlord. Check was for relocation which has already been completed at my expense.

Gregory L Abbott
Gregory L Abbott
answered on Aug 11, 2021

Not clear why your landlord was paying you relocation money in May if you are still there, nor the reason the check bounced - one would presume that it was not for insufficient funds if the landlord was the Clackamas Housing Authority. It sounds as if the Housing Authority, for whatever reason,... View More

1 Answer | Asked in Banking and Collections for Oregon on
Q: Can a collection agency collect a medical debt from 2006 in oregon?

Oregon? My Bank account was completely drained.

Gregory L Abbott
Gregory L Abbott
answered on Mar 26, 2021

The question is not when the debt dates from but rather when they obtained a court Judgment against you for that debt. Judgments in Oregon are good for 10 years and may be renewed once for another 10 years from the renewal date. IF there is still a valid Judgment in Oregon, then the creditor is... View More

1 Answer | Asked in Bankruptcy, Banking, Business Formation and Business Law for Oregon on
Q: If a business corporation is sued in one state and loses the case, can they attach all bank accounts,personal and bus.

Most companies have a couple different licenses under the same business(dba/LLC). If there are bank accounts in other states owned by the corporate officers and also in the same name of the business being sued can the out of state account be attached also.

Now the business in the other... View More

Timothy Denison
Timothy Denison
answered on Feb 15, 2021

Yes. Once a judgment is granted against a corporation, it may be enforce against the corporation snd assets located anywhere within the United States.

1 Answer | Asked in Banking and Probate for Oregon on
Q: Filed Small Estate Affidavit. Need bank account open but don't have letters of Testamentary (of course). Know of a bank?

Banks are asking for Letters of Testamentary, and I tell them that the estate filed Small Estate Affidavit, so no letters of Testamentary, and I provide them a certified copy of the Affidavit, but they won't help. Are there any banks that will open an account with the Small Estate? I need to... View More

Theressa Hollis
Theressa Hollis
answered on Jan 27, 2021

I'm sorry for your loss. Trouble with banks and small estates is a common challenge, unfortunately. I recommend trying a Credit Union in Oregon to set up the estate account. Since every state has a different small estate procedure it's unlikely that you will convince a bank in Fargo to... View More

1 Answer | Asked in Banking, Civil Rights, White Collar Crime and Wrongful Death for Oregon on
Q: When is abandonment legal?
Tim Akpinar
Tim Akpinar
answered on Dec 12, 2020

An Oregon attorney could answer best, but your question remains open for two weeks. But as a general note, "abandonment" is a broad term and needs more context. Abandonment can arise in a number of scenarios, whether in shameful settings, as in children, spouses, or pets, or in more... View More

1 Answer | Asked in Banking, Business Formation, Business Law and Civil Litigation for Oregon on
Q: I had a business associate who was going to be a partner rip me off for a lot of money and inventory. We started

I had a business associate who was going to be a partner rip me off for a lot of money and inventory. We started a new joint bank account together at banner bank. What I did not know was he was friends with the assistant manager of the bank. So the next day she cancelled our joint banking account... View More

Ana Maria Del Valle-Aguilera
Ana Maria Del Valle-Aguilera
answered on Jul 8, 2020

If you opened a personal joint bank account, it is usually opened "A or B",not "A and B", which makes a huge difference. If the account was opened as "A or B" or "A,B", the meaning is the same. The Terms and Conditions agreement you would have been given by... View More

3 Answers | Asked in Estate Planning and Banking for Oregon on
Q: I live in Oregon. My husband died in August 2019 and has recieved a check. How do I cash it?

He had no estate and I am his only survivor and beneficiary.

Nina Whitehurst
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answered on Apr 26, 2020

Please repost your question with the amount of the check. It makes a difference.

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2 Answers | Asked in Bankruptcy, Banking and Business Law for Oregon on
Q: small business, been forced to close, got a business line of credit, with personal guarantee to help, what if fails

If the business ends up failing and I have to file Bankruptcy will this new line of credit be able to be included in BK?

Timothy Denison
Timothy Denison
answered on Apr 22, 2020

Yes.

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1 Answer | Asked in Banking for Oregon on
Q: Can a bank make you the responsible for a bad certified Bank check

It was deposited in ATM funds posted in account but not available 2 or 3 days later the funds were released they were withdrawn and used for the purpose they were intended for. not for personal use the funds were not used for personnel bills ect

Bruce Alexander Minnick
Bruce Alexander Minnick
answered on Dec 9, 2019

If you--or someone else--deposited a bad check into your account--whether or not you knew it was bad-- and you--or someone else--withdrew the money the bank has every right to do whatever it takes to recover the amount lost from you. They will also report this incident to the federal and/or state... View More

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