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 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 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?