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I started the process this month to borrow $15,000.00 from

I started the process this month to borrow $15,000.00 from United Bank in my local town. The appraiser came and appraised our house on the 15th of August, and when I had not heard anything by this past Friday, I stopped into the bank to talk to the branch manager asking how things were going. She called the underwriter and he said the appraiser appraised our house at $30,000.00 instead of $300,000.00. The appraisal was kicked back to him to fix the problem. Anyway, I got my Homeowner's Insurance Declaration page on Friday, on the back of that, United Bank is listed as a second mortgagee and I have not gotten any money and we have not gone to closing/signed any papers with them. Of course, I called the branch manager to tell her this and she was outraged, as I was, that this happened. She said she was going to inform the underwriter about this. My question is: Do we have any legal recourse with United Bank on them jumping ahead and putting themselves on our homeowner's policy as second mortgagee when we have gotten no money from them. If our house was to burn down, they could claim that we owe them the 15k and could take it out of our money from the insurance company. I think it is pretty bad what they have done and it has caused us grief getting involved with them for the line of credit. Let me say that our house was appraised at the 300k and we owe only 195k on it. So we have plenty of equity to get this line of credit. I just feel that these people are incompetent. Please advise. Thank youCatherine Slagell

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TJ, Esq.

Juris Doctor (JD)

10,642 satisfied customers
I cant pay a 5000.00 dlls ring i bougth, and i already

i cant pay a 5000.00 dlls ring i bougth, and i already missed two payments and have only made 1 (the first one) i am in Texas and want to know if after i default if i would have to go to court or what will happen?JA: Since laws vary from place to place, what state is this in?Customer: txJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: no

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LegalKnowledge

Juris Doctor

29,760 satisfied customers
I recently checked my credit and there's been a dispute on

I recently checked my credit and there's been a dispute on my credit and name and I know who did it without my permission and now I can't get a loan, and it's holding be back and I wanted to know what I can do about this situation as soon as possible

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P. Simmons

Attorney

Doctoral Degree

35,206 satisfied customers
I currently live in a mobile home. My fiance and I have a

I currently live in a mobile home. My fiance and I have a child and she chose to leave me to pay all the bills. The loan for the home is in her name and all of the bills are in her name. The only thing my name is ***** ***** the title to the home. I was wondering if I can legally leave this home without getting sued?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

46,342 satisfied customers
How do I stop a garnishment on a joint checking account on a

How do I stop a garnishment on a joint checking account on a debt that was before my spouse and I were together. I did not know about judgement, most of the funds in the account were from a home fix up loan my spouse secured.

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TJ, Esq.

Juris Doctor (JD)

10,642 satisfied customers
I'm not sure if there's anything I can do about my

I'm not sure if there's anything I can do about my situation! I'm 75 yrs old. I was in a 5 yr verbal/emotional relationship. I finally got up the courage to leave because it was affecting my health and I was sick! The only way I could move was to take out a personal loan. I didn't really realize what I was doing at the time and now the cost of the loan is killing me. I can no longer make the pymts and am contemplating bankruptcy. Since my ex was at least partially responsible for my predicament, can I take him to small claims court for at least part of the cost of the loan?JA: What state are you in? And has anything been officially filed?Customer: MN, no nothing yetJA: Have you talked to a lawyer yet?Customer: A bankruptcy lawyerJA: Anything else you think the lawyer should know?Customer: I have other bills, so bankruptcy would be for about $7-8000. My ex has popped back into my life and is trying to control what I do as far as the bankruptcy, but I'm not listening to him.

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Thomas Swartz

Attorney

Juris Doctor

2,622 satisfied customers
I have a question. I had a balance of approx. $82,000. on my

I have a question. I had a balance of approx. $82,000. on my mortgage. I had to go through bankruptcy due to a "cute little trick" that my mortgage company did to me in order not to lose my home. For three years I continued to make mortgage payments and trustee payments. I managed to get out of the bankruptcy, yet when I did they did not give me credit for all the payments I made on the mortgage during that three year period. Not only that, they added over $20,000.00+ to my mortgage after the first year I was out of the bankruptcy. Which made my total over $96,000. I discovered that during the whole three year period they were consistently adding fees and charges and my attorney seemed to be more concerned with what they wanted then with what was right for me. All the monies that I paid on the mortgage for that three + years was supposed to be subtracted from the balance of the loan, yet they never did! Do I have a case, and if so would a lawyer do it on contingency? I bought this home for $69,500., which was way more than it was worth. I very much was taken advantage of! Yet that was in 1998. I refinanced it once after the first year for $80,000. After 18 years it should be almost paid for, yet the mortgage co., at present, Ocwen Loan, has my balance a little over $82,000.??? I would appreciate any help and advice you can give me.Sincerely, ***** *****

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Dwayne B.

Juris Doctor

35,356 satisfied customers
I am being sued by a credit union for failing to make a

I am being sued by a credit union for failing to make a payment for a short sale on a motor home. They loaned me approx. $20k on an unsecured note for 8 years. I simply got tired of paying it but they sent $20k of my money for the down payment on a piece of property in another state as part of a three way trade deal when I originally bought the motorhome and then decided they would not loan on the out-of-state property after they had wired my money for the down payment. Needless to say I lost they $20k so by me refusing to pay for the motorhome short sell after they made me make payments on it for years they of course are suing me. What are my options?

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TJ, Esq.

Juris Doctor (JD)

10,642 satisfied customers
My son received a notification from his credit union that he

My son received a notification from his credit union that he was being investigated for fraud. He had given someone his ATM card to make a deposit into his account. That person in turn gave it to someone else who is unknown to my son. That person deposited a bogus check for $4000 into my son's account and then when on a shopping spree, spending $4000. He was notified by the the credit unions fraud department, went down to the next day to fill out fraud papers and filed a police report. Today he received a certified letter from the credit union saying that he is liable for all that money. Aren't there laws to protect him against the fraudulent charges?

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LawTalk

Attorney at Law

Juris Doctor

32,462 satisfied customers
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