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I am not really sure whether I have the right site for my question ? If not could you redirect me to the right person to contact.

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

Nsw

Lawyer's Assistant: Has anything been filed or reported?

No

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

It is about banks over lending and my husband killing himself over finances I did not know existed

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Answered in 5 minutes by:
3/11/2018
John Melis
John Melis, Lawyer
Category: Australia Law
Satisfied Customers: 3,545
Experience: Principal Lawyer at Legal AU Pty Ltd
Verified

Hi, my name is***** solicitor in Melbourne. Thank you for using Just Answer, and I will answer your question today, and ask various questions to narrow the issues in your post raised.

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please tell me more about the lending that occurred ?

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Customer reply replied 5 months ago
We have a home loan with ANZ Roughly $413k
Personally loan $48k
Car loan 20k didn’t know about
Credits cards $60 k Citibank didnt know
$20k nab didn’t know
10k comm
$9 k com didn’t know
Another 8.5 comm not assesses didn’t know
All cc are in my husbands name home loan and personally and car in both
Basically he took his life coz of the debts
His life insurance is being paid directly to me 400k and his supers going to probate $115k as our land was just in his name . My question is am I responsible for the credit cards ? As that has to be irresponsible lending as our property is only worth like 700 k

there are a couple of issues that need to be addressed, but the main one from the lenders aspect was whether they carried out a proper credit referencing on your husband before lending. If not there may be an argument in relation to the debts raised.

Have you considered placing your husbands estate into bankruptcy, as this will clear the matter, and avoid an adverse impact on you financially, subject to the title of the property.

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Customer reply replied 5 months ago
I am here by myself at present and would be good to chat to you when my son is here .as my husband did all the financial I had no idea what we even owed but new we owed to the bank .
Can I call you when my son is here as he works tomorrow and he wouldn’t be here till 3 or 4 tomorrow arvo

Yes you can call when you free
I have extended a special offer to talk on the phone about this important matter, please look, it will help you.

Please accept the offer and you can call when ready.

John Melis
John Melis, Lawyer
Category: Australia Law
Satisfied Customers: 3,545
Experience: Principal Lawyer at Legal AU Pty Ltd
Verified
John Melis and 87 other Australia Law Specialists are ready to help you
Ask your own question now
Customer reply replied 5 months ago
We have since found out he borrowed on nimble as well , I am not thinking straight atm . Also our property is a farm if that helps , I will cam tomorrow soon as Chris gets here . Thank you

ok

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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