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I have a small business. I had a business checking acct. for

I have a small business. I had a business checking acct. for over 15yrs. that was a very good acct. In April 17 BofA sent me a ltr. advisng they were closing my acct. in 60 days - they gave no reason why and advised me they would not give me any specifics. I still have a personal acct with them, but use it very little. I have tried to replace my business acct. at Sun Trust Bank - they opened in May 1 and have closed it as well, telling me the acct. should not have been opened in the first place. I just received their ltr. telling me all accts. (minus loans, securities, etc.) illbe closed as of July 20, 17 - not the kind of business they want (although they have other accts. same business). Without a business checking acct. I am out of business and most likely I will be in bankruptcy pretty quickly. I am 76 yrs. old, and been in the ATM industry for 20yrs. and never had any bad mark against my business. This extra income (I work one day a week regular, and appx. 8 other days (special events all yr) is all we have other than SS and a small pension. Can a bank invite you in one day and throw you out the next without some provocation?JA: Since estate law varies from place to place, can you tell me what state this is in?Customer: flJA: Has anything been filed or reported?Customer: against me? noJA: Anything else you want the lawyer to know before I connect you?Customer: All I know is that fraud in America is hugh, and the banks and Washington is trying to stop it. Certain businesses are identified in a program called OPERATION CHOKEPOINT that handle lots of cash - one is the ATM industry. The assoc. which represent us - NAC (national atm council and others) are fighting this mostly unsubstantiated response to fight fraud with 'a sweep of the hand'. Congressman Blaine Luelkemeyer Chairman of the Financial Institutions Subcommittee in Congress along with others is leading the fight to shut down' Operation Chokepoint. ATM operators, fully represented and qualified businesses everywhere are losing their banking, mostly from a 'hysteria' and not because of facts. Our industry which is made up of thousands nationwide is in crisis. I am found now, that wherever I go (banks) I am being denied. If I don't have banking in place, I cannot operate - you need a business acct. to accept deposits and withdraw funds for ATM cash vaults. The first day I cannot fund the ATM's I operate (I only have 4 machines and only 1 or 2 is used every Monday at a county farmers market), yr. in and yr. out. The income I derive from them and the other special events I do during the yr. are the difference in surviving on our own or losing everything. There are small operators everywhere in the same circumstance. Also, many of the larger ATM ISO's (independent sales organization) are not facing this, or have been let alone - acct. status not changed. I operate along side these operations, under the same agreements, terms, processing agreements, etc. as they do. One thing which makes me a target I believe, is that my business is a 'mobile' business by choice. I do not any longer put ATM's in C-stores or gas stations or mini markets - I choose to do only special events such as a once a week farmers market in a town with no bank at all, and other special community events in Pasco County Fl., all of which are Chamber of Commerce events, or other established local celebrations. Because my ATM's can't be 'nailed to the floor' and must be moved, and because I 'load the ATM' with the vault $ which is mine (instead of using a armored truck vault service) banks find this a problem (because I touch the money!). I need someone to talk with about this and I need it fast - can someone help me..

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

119,266 satisfied customers
Husband is an addict & alcoholic. I am self employed & he

Husband is an addict & alcoholic. I am self employed & he has a good union job. He has taken all assets that he believes belong to him off the property, and now refuses to pay our mortgage. He has depleted any $ we have & I am stressed about our home. He has a union lawyer & I have no lawyer due to him spending all our savings. Can he just walk away from financial responsibilities? And can I file without a lawyer even though he will get a good one, and still have a chance?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: AlaskaJA: Has anything been filed or reported?Customer: No-JA: Anything else you want the lawyer to know before I connect you?Customer: We have grown children and have been married for 12 years

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legalgems

Juris Doctorate

19,740 satisfied customers
My daughter was 18 aand working at burger part time, she was

my daughter was 18 aand working at burger king king part time, she was tricked into cosigning on an auto loan. Now the company is has filed againste her and is taking her back to court to pay. what are rights of a cosignor in tn.JA: What state is this in? And how old is the car?Customer: she is in tennessee and the car was an 04. She never had access to the car because she had her own car.JA: Has anything been filed or reported?Customer: yesJA: Anything else you want the lawyer to know before I connect you?Customer: she has another court date on 7/27 and they want her to bring all proofs of employment. She has only been working since April and all jobs have been part time. Also she has her own apartment

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LegalKnowledge

Juris Doctor

37,768 satisfied customers
I was divorced 2 years ago. In the divorce agreement it

I was divorced 2 years ago. In the divorce agreement it stipulated she would make the payments on the 2013 Honda CRV. Although the car loan was taken out in my name, it is the car she drives. She is now 3 months in arrears. Do I need to be concerned about my credit?JA: What state is this in? And how old is the car?Customer: Florida. 2013 Honda CRVJA: Has anything been filed or reported?Customer: noJA: Anything else you want the lawyer to know before I connect you?Customer: no

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Dwayne B.

Juris Doctor

38,200 satisfied customers
Second opinion] I moved from Seattle to Scottsdale to retire

Second opinion] I moved from Seattle to Scottsdale to retire and have paid into a 20 year loan on a boat for 11 years but the mortgage and boat prices are upsiade down so I owe 40K more than the boat is worth. What are the consequences of just not paying nay moreJA: I'm not sure of the exact price, but there's only a $5 deposit. The rest of the price information will be on the page I send you to.Customer: You sent me something? I got found this blog?JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: The boat is in Seattle Washington and I am now in ArizonaJA: Has anything been filed in civil court? If so, what?Customer: no I am still paying and trying to sell the boat but I am not confident the market is robust and I want to stop paying on a loan and moorage where I can't really pay now that I am not workingJA: Anything else you want the lawyer to know before I connect you?Customer: nope

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RobertJDFL

Attorney

Juris Doctorate

15,330 satisfied customers
Question is about deeds in florida, when I refinanced my

question is about deeds in floridaJA: Has anything been filed or reported?Customer: when I refinanced my wife was addedJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: floridaJA: Anything else you want the lawyer to know before I connect you?Customer: going to be getting a divorce and I want to sell the hoiuse

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

54,846 satisfied customers
My vehicle was repossessed a month ago. I just got it back

Hello My vehicle was repossessed a month ago. I just got it back yesterday and it was used for personal use. What can I doJA: What state is this in? And how old is the car?Customer: Texas. 2014 GMCJA: Has anything been filed or reported?Customer: I called the loan bank and told them yesterday. I also took pictures and sent them in an e-mail to them. I gave not heard anything back yet. They left trash and other personal items,nasty thing in the back seat. They tore something that as hanging on the rearview mirror.JA: Anything else you want the lawyer to know before I connect you?Customer: Can I do something about this. I have pictures and also a scratch that was not there when they took it

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Loren

Juris Doctor

45,990 satisfied customers
I have a really different kind of issue, I live in Nevada

Hello, I have a really different kind of issueJA: What state are you in? It matters because laws vary by location.Customer: I live in Nevada and I'm semi legal savvy... but not all that well versed... are you familiar with contract law pertaining mainly to installment loansJA: Has anything been filed or reported?Customer: no it's sort of an odd issue that I'm dealing with... and there really aren't any laws governing what's happened... ready? lolJA: Anything else you want the lawyer to know before I connect you?Customer: I don't think so

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Legal Eagle

Attorney

Doctoral Degree

4,884 satisfied customers
I'm buying a home in AZ and I have a question about whether

Hi Pearl, I'm buying a home in AZ and I have a question about whether I am obligated to tell them of past problems that are no longer on my credit reports.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: I did. It's in AZ...Arizona.JA: Has anything been filed or reported?Customer: Sorry, don't understand the question. By who? I have pre-qualified for a loan and the title company will be sending me forms to fill out as I have had an offer to buy a home accepted.JA: Anything else you want the lawyer to know before I connect you?Customer: Yes. What is the cost to ask a question?JA: You just pay a $5 deposit now and the rest only when you get a reply from the Lawyer. All of this is 100% satisfaction guaranteed, so you can get a refund if you're not happy for any reason.Customer: Fine. Is paypal accepted?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

54,846 satisfied customers
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