The bank I used to finance my oil and gas loan forced me in
the bank I used to finance my oil and gas loan forced me in to a unfavorable commodity hedge. I later found out that the bank makes money off the Hedge, it was not disclosed to me at the time. Two months later they closed the oil and gas department. The Hedge has cost me 350,000. Do I have recourse against the bank?JA: What state are you in? It matters because laws vary by location.Customer: TexasJA: Has anything been filed or reported?Customer: No the hedge rolls off this month, I have a monthly statement from the company that I pay the fee toJA: Anything else you want the lawyer to know before I connect you?Customer: no
The petition of the disconnection from municipality
The petition of the disconnection from municipality comparison municipal code in Illinois:65 ILCS 5/7-3-6 vs 65 ILCS 5/7-3-4:The 5/7-3-4 look easier for circuit court to open the case just by 51% votes, However, the corporate (city is incorporate) authorities, in their discretion, may disconnect the territory from the municipality, by a city council, or board of trustees, as the case may be. (source: P.A. 83-656). Even this code of 5/7-3-4 allow negotiation of buy out the disconnection. I believe that The city council or board of trustees will never agree to be disconnected due to revenue of property tax.The 5/7-3-6 Allow the circuit judge to evaluate the factors and reasoning by contents of both the petitioners reason and against petitioners, then judge will decide to open the court or not. It is high obstacle at beginning. Once we get enough petitioner said 60% with lawyers' help to convince the circuit court to open the case. So we have to spend more money at first. But eventually the cost and time consuming may less than using the code of 5/7-3-4. What is you recommendation?sources: http://ilga.gov/legislation/ilcs/ilcs4.asp?DocName=006500050HArt.+7+Div.+3&ActID=802&ChapterID=14&SeqStart=73000000&SeqEnd=74100000
My wife divorced, her ex had 2 fraud cases and judge gave
Hi, my wife divorced, her ex had 2 fraud cases and judge gave her one to pay, 19,000.00 in 2004. She a secretary with 3 kids, 1 still at home with 2 kids and in college. She faithfully pays $100 every month and has paid $10,000 so far. The lawyer handling the case was going to close the debt after she paid $7000 but he passed away. a new attorney is not being very nice and is unwilling to work with her. The court agreement was $100 a month and she's always paid it from her earnings. Her ex never paid anything on it before and after their divorce. Can her wages be garnished even though she has faithfully paid on it every month sinceJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: we work in MAJA: Has anything been filed or reported?Customer: the plaintif has filed complaining that its old debtJA: Anything else you want the lawyer to know before I connect you?Customer: we offered $200 even though it would be hard but shes unwilling
Home warranty insurance policy issue. Faucet leak reported
Home warranty insurance policy issue.Faucet leak reported in November 23, 2016.No preexisting damage. No mold. Brand new issue. Pictures and video taken by homeowner.American Home Shield opened service request & notified contractor (SSS Plumbing)SSS Plumbing never contacted us; we contacted them.SSS Plumbing didn't show for appointment scheduled.We called American Home Shield & notified.On December 4 our initial service request was closed, and new one opened (the only way AHS could issue a new contractor).The second contractor, who had a very limited English vocabulary, reported "physical damage" as the cause of the leak; there was no physical damage - the faucet had a physical malfunction.On December 14, we notified American Home Shield of inaccurate report and asked for a second opinion.American Home Shield issued another contractor - except it was the same SSS Plumbing that never showed up, the first time. We said we had problems with them, and wanted a different contractor; AHS said they couldn't change the contractor unless we closed the service request and started again. Not wanting to cause any hiccoughs in the timeline, we agreed to have SSS Plumbing give a second opinion.On December 16, SSS Plumbing showed up; said issue was under warranty. We chose to purchase our own faucet and have them install. SSS Plumbing said they'd submit the papaerwork and wait for authorization from AHS.On January 14, 2017, after not receiving any authorization paperwork from AHS, we contacted them for an update. AHS informed us that no report was submitted by SSS Plumbing. They advised that we contact them and ask them to submit the report.I contacted the worker, Isaac, that SSS sent out - he said to contact SSS directly. I contacted SSS directly, have left numerous messages, but they're not responding.Today, February 13, 2017, I contacted AHS, pleading with them to get this issue fixed. We have done our due diligence. There were no mold issues prior to inspections; and no mold issues noted on the initial report. NOW, there are mold issues. AHS stated that in our contract, secondary damage isn't covered. THERE WAS NO SECONDARY DAMAGE WHEN THE INITIAL PROBLEM WAS REPORTED. SECONDARY DAMAGE HAS OCCURRED DUE TO THE NUMEROUS WAITS AND ISSUES BY AHS AND THEIR CONTRACTORS.I've been washing dishes in my BATHTUB for months.I need to know how to argue this "secondary damage" clause. They can't possibly be able to wacape responsibility for damage created by their own contractual negligence!!!Help!!!
HP Consultants tells me that for $2500 they can cancel my
HP Consultants tells me that for $2500 they can cancel my timeshare contract. Is that possible to just have my contract revoked?JA: Have you thoroughly reviewed the contract?Customer: Basically, it gives them a year to clear the contract or they will refund my money. A year seems like a long time.JA: Have you contacted the manufacturer?Customer: There is no manufacturerJA: Anything else you want the lawyer to know before I connect you?Customer: Will this affect my credit score in any way?
I am in Georgia, bought a 2004 Volkswagen Passat from a
I am in Georgia, bought a 2004 Volkswagen Passat from a dealer. Purchased a warranty plan at extra cost. Took the car in to be serviced and checked by mechanic. Turns out repairs needed will cost more than paid for the car. The warranty company may not cover repairs. Do I have any options?JA: What state is this in? And how old is the car?Customer: Georgia, 2004.JA: Has anything been filed or reported?Customer: Not at this time.JA: Anything else you want the lawyer to know before I connect you?Customer: No
A collection account appeared on my credit report this
A collection account appeared on my credit report this month, which is upsetting because I have never missed a payment and have an 830 FICO score. I had an MRI in 9/2015 which was covered by insurance and I paid my co-payment in full at the facility the day of the test. I was not aware I would receive a separate bill from the Radiologist. I called the Radiologist's billing office today and they said I didn't pay them. I could not find an EOB from the Radiloigist and asked when was the insurance claim filed or when was I billed. The representative said they were waiting for the MRI facility to send the insurance and my contact information. I asked "how was I billed if you don't have my insurance or contact information" - no answer. I then asked "Did anyone follow-up with the MRI facility to get my information" - no answer. I gave the representative my insurance information but the claim was rejected because it was greater than one year. She said they would research it and I should call back in 30 days to check the status. "So you won't contact me?" I said. She replied "No sir you will need to call back." What are my legal remedies, if any?