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Recent Questions by WiseOwl58

 
 
 
  • A law firm for citibank just took my checking and saving account

    A law firm for citibank just took my checking and saving account money and with out notice, i am already had agreedment with one account paying monthly for the past year, the second account they are granishing my check weekly, should they have the right to just clean me out with these account being paided.
  • I took out a small signature loan from the Liberty Finance

    I took out a small signature loan from the Liberty Finance Co. in Artesia NM. I have a terrible payment history with them. I moved from Artesia to Portales in June of 2010. When they called to collect on my deliquent account, they offered me a loan renewal to get my account out of deliquency. I never signed any addendums to my orignal contract authorizing these loans. This goes directly against their own company policy. Estella, the employee of Liberty Finance, said "it would be ok and it would be our little secret." They claim I signed a renewal on my contract 4/19/11 and on 9/6/11. This is impossible, I have avoided their calls and letters, I refuse to pay on a fraudent loan. They have engaged in preditory lending practices, no bank would give an additional loan to a mortage holder who is consistantly deliquent. Why would Liberty Finance engage in such practices. On Nov. 14 2011 around 2:50pm while at work, Estella calls and tells me I have to pay on the account, I told her I would not and to not call me at work because it is embarrassing, especially in front of my employees. I have a witness who can testify they heard me tell someone to "not call me at work ever again". 10 mins later the branch manager of Liberty Finance calls me again at work and tells me "she can't believe what I'm doing, God is watching me, this is the reason my life is so bad". She also said that "I'd better look behind me, I don't know who I'm messing with!" She scared me. I called the territory supervisor "Shanon" and reported to her the actions of her employees. I followed up with "Shanon" the following day Nov. 15 in the afternoon, and she informs me that they have my signature on contracts dated fro 4/19/11 and 9/6/11. I have proof from my employers at the time that I was at work and not in Artesia to sign these documents. I also can prove that I have had no contact and have been hiding from them because of their attempts to collect on the fake loan. Liberty Finance has a policy which sends deliquent accounts to wage garnishment after 60 days. I have not paid them since June of this year once realizing what they had done was unethical and illegal. They provided their supervisor with these false documents, and have used the poor pay history from these fake contracts to have a negative impact on my credit report. I can prove all of this with the account history, witnesses, and phone records. Did Liberty Finance commit a crime?
  • In a ballot vote for an office, there are four choices for

    In a ballot vote for an office, there are four choices for three positions. The ballot requires an X to be placed in the box next to the candidates name. If a voter changes their mind and fills in a box for candidate "D" and then places an X for candidate "B" and has an X in the box for the other two candidates, does this make the vote void or does it fall under the "small technical error" category?
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Other Recent Questions by WiseOwl58

 
 
 
Question Date Submitted
My daughter is 20 and single, and I would like to buy her a 5/25/2013
Im a real estate developer that focuses on purchase/renovations 5/24/2013
I would like to have a clause in my office lease which establishes 5/22/2013
I had a securitization audit done on my home mortgage and discovered 5/21/2013
Once a lien sale is done is there a time limit where if the 5/20/2013
I am purchasing a former nursing home and have several questions. 5/20/2013
This question is for firms or lawyers who recently bought a 5/10/2013
My husband have been renting a home in AZ for 4 years. The 5/8/2013
Another property : I am a seller, and upon agree to sell property, 5/8/2013
Real Estates Law in California : i am a seller , i just closed 5/8/2013
I sent the attorneys representing my mortgage bank a letter 4/28/2013
NY FEMA Sandy How to get another 10K...Elderly 4/27/2013
The 60-day rate lock has expired. The Credit Union 4/26/2013
If the bank failed to add PMI to our mortgage payment 6 years 4/23/2013
I rent a home in tenafly nj40 Crabtree laneI have rented 4/23/2013
Our Homeowners Association Board is allowed to pass Bylaws 4/23/2013
I am selling a property in Russia. Would like to find an attorney 4/22/2013
Home insurance policy question. Farmers does not have a guaranteed 4/18/2013
II live in senior disabled housing in Manchester,CT. Last spring 4/15/2013
dont i still have right to all the financials of the company 4/4/2013
Good Evening, I am in Florida. I have a foreclosure defense 4/4/2013
My wife and I bought a piece of land with two other couples 3/13/2013
If a landlord is giving a service (in this case hot and cold 3/3/2013
We are behind in our mortgage 33 months now (HFC owned by HSBC 3/3/2013
Verifying co-successor trustees. In the process of buying 2/28/2013
Not sure who this is best for..... In CA, Granada Hills 2/25/2013
These questions are for a lawyer who specializes in or is intimately 2/23/2013
Hello; I went throught BK Chapter 7 meeting, and one of 2/18/2013
Can exact information be examined for comps to show value for 2/18/2013
Hi. I would like to rent apartments in New York city and sublease 2/13/2013
I own some lake property in Minnesota that is vacant/undeveloped 2/12/2013
How do attorneys actually retrieve listings of foreclosures 2/12/2013
I received a notice from the Los Angeles Department of Building 2/11/2013
can a warranty deed with vendors lien be used to sell property 2/10/2013
Are there any tax advantages to forming an international company 2/9/2013
I live in a small community of 5 apartments. 4 of us own our 2/8/2013
WHEN A NEW OWNER TAKES POSSESSION OF A PROPERTY....CAN HE SUE YOU FOR 2/8/2013
I was unemployed..I got a new job offer but was going to have 2/6/2013
Im not sure what type of lawyer should answer this question 2/6/2013
My home is in foreclosure, which Im currently in the process 2/5/2013
I need some case law in California regarding illegal commercial 2/5/2013
Hi dear, I am a loan officer and work with a loan broker. 2/4/2013
Credit reporting issue 2/4/2013
I did a re finance on my house so that I could finish 2/3/2013
Hello, could you tell me both the steps and likely cost of 2/3/2013
I am a loan officer working for a broker in CA. I worked on 2/3/2013
Hello. Does an executor of my deceased fathers will have control 2/3/2013
I am under a LEASE BUY OPTION CONTRACT. I HAVE TO EXCERISE 2/3/2013
We are in the process of purchasing investment property (HOUSE) 2/3/2013
Hello, Im getting ready to re-finance our condo through the 2/2/2013
I previously asked you a question relating to a house I own 1/31/2013
if i walk away from my home will the bank still come after 1/31/2013
I am renting a house in Florida that has a pool. the renters 1/31/2013
City annexed subdivision put sewer/water hookup on my personal 1/31/2013
can i buy my house back from a sheriff sale ? 1/31/2013
What happens if a business owns real property and lets its 1/23/2013
If I signed a lease thru July 2013 yet want to move out Jan 1/22/2013
My mother-in-law moved to a retirement community at the same 1/22/2013
iam home owner and have axesess to drive is it leagle for othere home 1/22/2013
I purchased a foreclose home from HUD for 50% under the Good 1/19/2013
I hired a legal firm to help us with remodification of our 1/19/2013
I bought a house in 2010 and got a 6500. tax credit. I am 1/18/2013
We have a shared well that is shared with 3 other neighbors. 1/18/2013
When a housed has been seized in a tax foreclosure, can you 1/18/2013
1. i HAVE 45 ACRES FARM IN QUEENSLAND, AUSTRALIA WHICH IS 1/16/2013
What kind of forms do I need for the whole owner buyer contact 1/16/2013
Hi , I need help choosing the right legal representative. 1/14/2013
I have had a leak from the pipe behind my dishwasher. It has 1/13/2013
I am a member of a 3 unit HOA in California. Can the HOA pass 1/13/2013
I bought two adjoining building lots in a small mountain town 1/9/2013
This question relates to real estate sale transaction in a 1/9/2013
Jan 8-2013: Good morning. SUBJECT: ELECTION 2013 Qestion 1/8/2013
Can a private party/hard money lender charge over 20% on a 12/29/2012
I live in a manufactured home, 55 plus, in Scottsdale, AZ. 12/24/2012
Tax bill question 12/17/2012
I want to punish my property management by making a payments 12/17/2012
How much does it cost to start a real estate brokerage firm 12/13/2012
When a real estate broker recieves funds from a client do they 12/12/2012
Is a license needed to be a Commercial Mortgage Broker? 12/11/2012
My daughters mortgage was sols to a different company.They 12/10/2012
When you said "no", did you mean no these losses are not subject 12/9/2012
Dear Friend! I am moving to LA to live with my cousin. I have 12/8/2012
This is a complicated real estate tax question. Myself and 12/8/2012
I own a mobile home park and the city needed to do some sewer 12/6/2012
I lost my home in Washington State in a non-judical foreclosure. 12/6/2012
(This may be a duplicate question. I submitted it earlier, 12/6/2012
I purchased a timeshare in Mexico 15 years ago. I dont use 12/5/2012
Can a lender take over rents on a loan declared in default, 12/5/2012
i have a home i owner financed to the buyer, we did an assumption, 12/5/2012
What is the NYS lein law, with respect to unpaid storage unit 12/5/2012
My house is going into foreclosure on 12/26/12. My partner 12/5/2012
I live in Novato Ca. 94947-I live in a flood zone therefore 12/4/2012
I leased a business space for spa for the purpose of doing 12/4/2012
Why would my mortgage company offer me a loan modification 12/4/2012
stop demolition order by court 11/21/2012
i was renting an apartment from an homeowner, in the midst 11/21/2012
Can Fema money be used to knock down the house and building 11/21/2012
My home was sold in foreclosure to Fannie Mae. I received 11/21/2012
There is a 10 year old grantor type irrevocable Trust that 11/21/2012
My HOA used NAS to transfer title to their "street fund" name 11/20/2012
 
 
 
 
 
 
 
 
 
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