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On 6/15/16 my wife and I closed a mortgage re-finance on my
On 6/15/16 my wife and I closed a mortgage re-finance on my primary residence with Deseret First Credit Union(DFCU) with Meridian Title(MT) in St. George , Utah. During the closing we realized that the payoff amount for D.F.C.U. was incorrect by several hundreds of dollars, and had us coming to with $688.41. We told the closing agent for M.T. that we did not want to sign an incorrect closing settlement, he assured us that it was a merely formality and he would get it corrected but to go ahead and sign not to slow the process down. We reluctantly signed the signed the closing statement, relying on his promises. He called D.F.C.U. during the closing, and we told we would be receiving a revised update statement by the end of the day 6/15/16. We told him that we would not provide the needed funds to close until we had a correct closing statement. On 6/16/16I received a DocuSign email from our D.F.C.U. loan officer with a revised closing statement with a different payoff amount but still an incorrect pay-off. I immediately responded via email that the pay-off was wrong with the subject line: Payoff is wrong! I received an automated response to his email, with my subject line of Payoff is wrong! In the subject line. The automated email stated that he was out of the office until 6-21-16 to please call(###) ###-#### ***** I did and got a voicemail. I didn't leave a message because I would be working all day and leaving early the next day for a wedding out of State. There was not a rate lock on the loan, so I was not worry about a rate lock expiration. I figured that we would get it all figured out when I returned and the loan officer returned the following week on 6/21/16. I reached out to our loan officer 6/22/16. I asked our loan office what was needed to finalize our loan, to my absolute stock I was told that the recorded and funded on 6/20/16. I told him that a never received a corrected closing statement nor did I provide any funds to close the loan. The loan officer told me that would he call M.T. and get back with me. I received a phone call back from the loan officer about 45 minutes later stating he gave us a lender credit of about $100. and with corrected payoff it was enough to close the loan. I was stocked again, because I still did not know what the correct payoff was. I was also stocked because our loan that had supposedly re-financed was still active on D.F.C.U. on-line banking service. I told our loan officer he needed to immediately provide us will the final closing statement with the payoff amount so I could review it. I did not hear back from again until the next day when I received another DocuSign email with a closing statement still with still an incorrect payoff amount, which was not the payoff used to close the loan. I again immediately responded to the email that we would immediately sign once the payoff amount was corrected. Since, I didn't hear back from the loan officer I called him at 4:00 pm and left a message. He returned my call about 30 minutes later, stating I would have the corrected payoff information immediately and that my loan that we supposedly re-financed would be reflected as paid off, and that the on-line banking system would reflect this by the morning of 6/25/16., since the system needed to be updated overnight. I told that loan officer that I would be making a payment on the original loan if this was not taken care of as promised. On 6/25/16 I had a chance to review the documents that were recorded against my property, I learned that the Deed of Trust recorded had my first name spelled as Willaim not William, and that the closing agent who was also the notary had corrected the documents. He initialed one of the changes. This is very problematic because it is a misdemeanor for notary to notarize a document that he was a signer. Upon further review I realize that about half the documents have my name spelt as Willaim not William. By the close of business on 6/25/16, I had not received the corrected final closing statement and my original loan was still showing active on D.F.C.U on-line banking system. It was decided that we would re-affirm our original loan, because this loan had become an absolute nightmare for us. The next morning 6/26/16 I purchased a money order in the amount of $10.00 an made a principal payment on my original loan through the Drive-thru teller line at D.F.C.U. This payment was accepted and principal balance was decreased by $10. Then on 6/27/16( a full week after problematic loan had funded and been recorded) I made another principal payment on the original loan. Then I called the escrow manager at M.T. and shared the horrors that I had experienced with the problematic loan. He told me that he would speak with D.F.C.U and his staff , then report back to me. Many more problems with this loan, however I have run out of characters. How should I proceed.
I am charged with PC 166(a)(4), violation of a
I am charged with PC 166(a)(4), violation of a custody/visitation order.However, it was an ex parte order that was never renewed or extended by the court. As a matter of fact, there was never a hearing date set.How do I get the charge dismissed considering this order was not valid at the time of the alleged offense ?
My son has 4 misdemeanors from the period of time when he
My son has 4 misdemeanors from the period of time when he was in college (2007-2013), mostly related to his alcohol addiction (one DUI conviction). He has since gotten sober, graduated from college (2013) and is now two years into an MSW program. He has now been working for a year at residential treatment facility for children, doing very well. At the beginning of his employment there, DSHS did a background check on him and located a DUI he got in 2012 and asked him to supply lots of information about that conviction, which he did. Then, at the end of that process, they fingerprinted him and as a result 4 more incidents showed up. They now want him to go through the lengthy process of explaining and documenting all those incidents. He needs legal help, in my opinion, in order to present his "case" as clearly and as positively as possible. The attorney he used for all these incidents (located in Portland, OR) does not respond to his request for help in drafting this document even though my son has said that we will pay whatever costs are involved. What should my son do? Hire another lawyer here in Seattle where we live? If so, how should we locate such a person? Do we have any way of bring pressure to bear on the lawyer (Portland)? Does the lawyer have any responsibility to my son? Thanks.
I am a student with two vehicles primarily in my name, along
I am a student with two vehicles primarily in my name, along with a cosigner(my mother). I received a notice that for verification of insurance and discovered that the insurance lapsed for the date requested. My mother has been paying the insurance, or so I thought. I am in medical school, in Alabama and worry about being slapped with a misdemeanor conviction along with the fines and jail time associated with having two vehicles uninsured. They asked for the date 4/3/16 and the current policy's effective date was 4/14/16 and is current. I know I will have to pay for new registration but wondered about the charges/jail/suspension of license chances are especially since I have one year of college left.
I am being charged with a 5th degree assault misdemeanor and
I am being charged with a 5th degree assault misdemeanor and need to know whether I need to hire a lawyer. The only evidence of what happened is in an email I sent a few hours after the incident, which I will quote below:----------------------------------------------------------------------------------------------------------------Hi Abby,I know I already apologized, but I'm not good with words so I thought I would put it in writing as well. Firstly, to be clear, I didn't mean for it to come across as aggressively as it did. I only meant to pull your hood back, not pull you by your hair and yank your head. I realized afterwards the execution was much more aggressive than I had intended and did not realize you were seriously bothered by it until you asked me to stop, at which point I didn't know how to respond because I hate being wrong. Just wanted to reach a mutual understanding of what took place and the intentions. Again, I tender my most sincere apology for what took place this afternoon and how it was handled thereafter. By the way, you're really good at volleyball :)Sincerely,Kevin------------------------------------------------------------------------------------------------------------------Is this evidence enough to be convicted? Or do you think I need to hire an attorney? I don't want this to go on my record, but I really don't want to pay thousands of dollars if I don't need one either. What is your advice?
My Ex wife is trying to have me Incarcerated child support.
My Ex wife is trying to have me Incarcerated for unpaid child support. I have no job and am a disabled veteran with a small disability check monthly that I live off of. I am no longer able to work because of my Military injuries, and I have filed for SS Disability with the help of an attorney. The other day her "Legal Aide" attorney sent me a letter in the mail. In the letter was a visa form for my daughter so that she can travel to Mexico to visit her grandparents. The letter made me feel like they were trying to coerce me into signing the letter if not they would seek jail time for the unpaid child support. I feel that my Civil rights are being infringed on according to the 7Th Amendment- In suits of common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury , shall be other wise reexamined in any court of the United States, than according to the rules of the common law."They have not even bothered to conduct an indigent hearing for me to determine my financial status or work status.Furthermore they request the presiding Judge to confine me for no less than 90 days, and 10 years probation after that. Under the 8Th Amendment- " Excessive bail shall not be required, nor excessive fines imposed, nor cruel and unusual punishments inflicted."Her lawyer is imposing an excessive fine, and bail that I could not pay being that I am indigent. It is very well known to me the "Memo" released by the (U.S. Department of Justice) dated March 14,2016 to all courts through out the Country. I qoute "Dear Colleague, The Department of Justice is committed to assisting state and local courts in their efforts to ensure equal justice and due process for all those who come before them. Recent years have seen increased attention on the illegal enforcement of fines and fees in certain jurisdictions around the country-often with respect to individuals accused of misdemeanors, quasi-criminal ordinance violations, or civil infractions. Typically, courts do not sentence defendants to incarceration in these cases; monetary fines are the norm. Yet the harm caused by unlawful practices in these jurisdictions can be profound. Individuals may confront escalating debt; face repeated, unnecessary incarceration for non payment despite posting no danger to the community, lose their job; and become trapped in cycles of poverty that can be nearly impossible to escape. Furthermore, in addition to being unlawful, to the extent that these practices are geared not toward addressing public safety, but rather toward raising revenue, they can cast doubt on the impartiality of the tribunal and erode trust between local governments and their constituents. To help judicial actors protect individuals' rights and avoid unnecessary harm, we discuss below a set of basic constitutional principles relevant to the enforcement of fines and fees. these principles, grounded in the rights to due process and equal protection, require the following:(1) Courts must not incarcerate a person for nonpayment of fines or fees without first conducting an indigency determination and establishing that the failure to pay was willful:(2) Courts must consider alternatives to incarceration for indigent defendants unable to pay fines and fees:(3) Courts must not condition access to a judicial hearing on the pre payment of fines or fees;(4) Courts must provide meaningful notice and, in appropriate cases, counsel, when enforcing fines and fees;(5) Courts must not use arrest warrants or license suspension as a means of coercing the payment of court debt when individuals have not been afforded constitutionally adequate procedural protections;(6) Courts must not employ bail or bond practices that cause indigent defendants to remain incarcerated solely because they cannot afford to pay for their release; and(8) Courts must safeguard against unconstitutional practices by court staff and private contractors."End quote.It goes on to say that " We at the U.S. Department of Justice observed that many of your, particularly judges municipal and local JP courts have been violating the US Constitution US Supreme Court precedent (which given your position, you should already know) by incarcerating and/or extorting the indigent for the fine money to fill your jurisdictions coffers, and doing so without proper legal, constitutional hearing, or providing legal counsel to the accused.AS OF NOW YOU ARE ON NOTICE THAT THAT WILL STOP IMMEDIATELY!!!!Should we find any of you violating ANY of the aforementioned items, we will seek your indictment for (Federal Civil Rights) and or other criminal violations, and if true billed, we will send a US Marshal or other representative of the US Department of Justice to your court, home or anywhere else that you may find to arrest and incarcerate you. You will then face a jury of your peers, most likely in the jurisdiction where you may have incarcerated various individuals"Please help me.
Attorney At Law
Doctor of Law w/ highest honors
I just want to know if it is legal in California to put aView more legal questions
Hello. I just want to know if it is legal in California to put a GPS tracking system on my wife's car that is solely her car to follow her and make sure she's not following me because I'm cheating on her??JA: Have you talked to a lawyer yet?Customer: About this matter??? NoJA: Anything else you think the lawyer should know? OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Criminal Lawyer about your situation and then connect you two.