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Recent Credit Card Insurance questions
We are an internet web hosting and website design company
Hi. We are an internet web hosting and website design company who just fell victim to an online identity theft scam. We were contacted by an individual who said they found us online and was wondering if we could build a website for him and charge his credit card. Which is never an issue we charge peoples credit cards all the time for services. The person explained they are hearing impaired so we would have to talk through text and email. After talking to this person about the website idea and what it would take he asked how much it would cost if the content and logo was supplied by him. We gave him a quote and he accepted it the next day. He then explained that we would have to pay for the content and logo from some business consultant of his and asked if we would handle it so content could be given to us direct and could finish the site faster. While we kind of questioned this he seemed very normal and it is common in our business to pay 3rd parties for content or other material. He paid the invoice that we sent him and that is when it became weird asking us to hurry and pay the consultant because he was in a hurry and the guy wanted to finish and be paid and so on. At this time it took over 5 days for the money to be put into our account. The whole time this man seemed really concerned about how long it was taking but i seriously figured it was because it was a large investment but he was insistent on paying this consultant quickly. Obviously at this point it started to throw up some questions. We bought the domain names he wanted and paid some bills while waiting for him to get back to us and then all of a sudden we get an email from authorize.net who is our credit card processing company along with cybersource stating that there was a chargeback for a charge. They could not tell us what charge but there was only 3 during this time period. We asked all three customers if any of them did it and all had said no. Come to find out it was the person spoke of earlier and it was filed 3 days prior to us receiving funds in full. We will not know more until we talk to credit processing company tomorrow but we did our own research today and found many many links to a scam of the same nature. http://www.helloari.com/blog/2015/03/scam-alert-web-designers-targeted-hearing-impaired-wants-agroamerica-site/ is a link to one and i almost dropped dead because much of the same exact text to these people was the same i received. Now after reading all of this we are quite certain that it was someone who did identity theft and the real person seen the charge and denied they did it obviously. Now i believe we are in a serious predicament because we used our portion of what we were paid for our services to pay our bills and purchase the domains and everything for this so called client. The major question is now since we are a victim in this identity theft scam as well as the real card holder are we responsible to payback the money that we used for the services, products and our bills? How can we protect ourselves and our company from this current situation? We know how to stop it in the future and will for sure have strict policies put in place for the future but what about for what is already done? Thanks in advance for your help in this matter!
Due to 3 flight cancellations on 9/4/15, we were unable to
Due to 3 flight cancellations on 9/4/15, we were unable to get from DCA to Providence, RI for a cruise sailing at 1:30 on 9/5/15. We have a Cruise Cancellation Protection Plan with American Cruise Lines. We have asked for claim forms but have been told only medical reasons for not making the departure time would be considered. What recourse do we have to get a partial refund at least? Thank you.xxxx xxxxxx
My husband was being sued by a debt collector, and lost his
My husband was being sued by a debt collector, and lost his case today. He was representing himself, goes into the court room, and got nervous. The attorney for the debt collector claimed to have purchased the debt directly from the credit card company (they presented TWO bill of sales), which we have proof that is not true. We also paid the credit card insurance, in the event we were unable to make our payments. The insurance never took over. Can we appeal the case, if so how do we go about doing so?
I have a landlord that has won a judgment against me for unpaid
I have a landlord that has won a judgment against me for unpaid lease payments for $33K. I signed a personal guaranty, but cannot pay him. I have $5K in my checking, own no stocks, bonds, or holdings or savings. I have one IRA of $15K and my vehicles are leased. I have an S Corp, LLC that has business bank accounts, but is not utilized for personal stuff- all separated and only for business. I draw a W-2 from it. My question is can the landlord garnish or seize funds from my LLC bank accounts? Or just personal bank accounts?
flew to Colorado. rented a car. car company did not even
flew to Colorado. rented a car. car company did not even completely clean car. car company made a point to show a pit in the windshield. car company printer on contract double printed over each line. made salesmen cross out what I did not agree to what i could see. salesmen would not print another contract. made salesmen write on the contract what the agreed upon costing was going to be for full rental. mom rented vehicle but I was sent with her credit card and insurance information to pick up car. I believe I signed my name on the rental agreement and/or the credit card print out out of habit not intending to, they were not concerned. drove car that day up mountain approx 8 hours. parked under hotel canopy. walked around car no damage no issues. next morning no damage no issues. drove to family reunion 20-30 min away from hotel. just got to reunion gauge in car showed max hot then immediately no temp. digital display showed engine message all in amount of 1 min. turned off car immediately. called emergency rental number they wanted me to check fluids fill any and then drive the car back to Denver. Refused. multiple people at the reunion came out and walked around the car and looked at the car no signs of damage were present. car emergency rental number sent a tow truck and towed first car. may have had first car 24 hours if that. tow truck drove me to Glenwood Springs Colorado to pick up another car. the car they gave me just drove in. they said I would not have to pay or do anything different. car was not serviced and was explained to me that the seat was broken. drove back to where our family reunion was, which was done and picked up my mom and daughter to go back to the hotel. second car oil message came on and low tire indicator. called the car company the next day, since they closed as I was driving away, explained the oil and tire indicators on the car. was told don't worry about that those things happen all the time was safe to drive the car. stopped in a service station to check tires. each tire showed a different psi none of which were acceptable by information on the car door. filled the tires to the indicator on the front door. lowest tire psi was 10. drove to Denver. worrying that we may get stuck in the mountains on the side of the road with my 82 year old mother. drove to our hotel. called the rental company in the morning before we flew out of the airport as was for the original agreement so they could pick up the car at the hotel. said they would be right over to pick car up this was right before they opened for business. we had to catch the shuttle from the hotel to the airport. i also explained the difficulty we had and how we felt we did not get what was agreed upon and how we believed the reason for all of our problems were poor maintenance at both sites and cars coming in and out faster than the personnel can handle it creating an unsafe situation from both businesses. the rental company proceeds to bother my mom with letters and threats. we believe they did not service the vehicle prior to renting to us and lack of maintenance or the previous renter damaged the car or the tow company. we drove on highway had no issues with driving, did not hit any thing just drove normally and under normal situations. my mom allowed after writing a dispute to her credit card company to pay the agreed upon fee that was written even though we did not get what we were told just not to be threatened. the car company and a collections is sending letters addressed to her deceased husband. they have communicated by letter to my mother and by phone message to my phone asking for my mother. phone messages to my phone have not been returned by myself or my mother they think it is her phone. Is there anything we can do? They want my mom to pay for approx 1600.00 they say for damages to the car and also pay a few hundred dollars more for the rental that includes loss of rental for the broken car.
My son died in a motorcycle accident in 2008. His widow sued
My son died in a motorcycle accident in 2008. His widow sued the other persons insurance company. This case has not been settled yet. I contested to the court not to make her administrator of the estate. He has none - just around $5000 in credit cards. Insurance company paid funeral expenses and ambulance. His father & I stated that she does not deserve the millon she sued for, since he didn't have a large debit. Plus someone else should be administrator because the bills would not get paid and she would blow all the money away instead of using it for good. They had no children. And the fact that the day of his funeral-she had asked a friend of his if she could move in with him. In one year she has lived with 4 men that I know of. On 1 August 2009 she remarried. He is wearing my sons wedding band and she has on her old rings. My question is-now that she has remarried, does she still get this insurance settlement, so her & her newest vivtum can live off my sons death?
Attorney and Counselor at Law, Mediator
When credit card insurance pays minimum monthly, does liability
When credit card insurance pays minimum monthly, does liability continue to accrue on the principal? If so, what can be done for a person who is really, really poor and sick? My friend has arachnoiditis and will never work again. She has medical and household bills.
Actually, yes. I work at a therapeutic boarding school forView more legal questions
actually, yes. I work at a therapeutic boarding school for girls, and I think both my school and the parent company aren't doing HIPAA correctlyJA: Because employment law varies from place to place, can you tell me what state this is in?Customer: NCJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: I just need to evaluate whether they are in breach, which I think they are