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    1. S

      Zombie Home in my name..

      What is the name of your state (only U.S. law)? Property is in Michigan.. I live in Wisconsin.. Back in 2005, my wife and I both had decent jobs, and we decided to buy a 2nd home in Michigan. Things went OK until I got laid off, and my wife ended up getting sick. I let the property go into...
    2. S

      Employer chaning hours/child care issues

      What is the name of your state (only U.S. law)? Wisconsin My employer wants to change my hours. I was originally hired to do first shift on weekends, and 2nd shift during the week. I was OK with that. Now my employer wants to change my schedule, and move me to 3rd shift. The problem is my wife...
    3. S

      Car Accident 2nd Lien

      What is the name of your state (only U.S. law)? Wisconsin I was recently in a car accident. I had a first Lien (which ended up being a wash). The problem is with my 2nd Lien, which was a loan I took out 3 years ago to consolidate credit card debt. When the insurance settled, the first lien was...
    4. S

      Title Problems

      What is the name of your state (only U.S. law)? Wisconsin Hello.. I am about 4 or 5 months behind with our loan from Bank of America. Our household had a variety of hardships the last few years. (unemployment, unexpected medical bills, car accidents, money stolen from checking account etc...)...
    5. S

      Car Damage due to loose lugs

      What is the name of your state (only U.S. law)? WI I had car repair work done a few days ago. Turns out the repair shop failed to tighten my lug nuts. Yesterday, I was driving on the road, and my tire fell off. There is probably a few grand worth of cosmetic damage. I had a lug bolt break off...
    6. S

      Show me the note question

      What is the name of your state (only U.S. law)? Wisconsin Greetings.. I was wondering the best way to be to force Bank of America to show me my mortgage note? I am current with my payments, not behind, or not in foreclosure. (at least to my knowledge) HOWEVER, I keep getting letters and...
    7. S

      Trying to fix mortgage screw up

      What is the name of your state (only U.S. law)? Wisconsin.. Hello.. I have an issue with my mortgage with Bank of America. I made two payments in the month of April. One payment was April's payment, one payment was May's payment. SOMEHOW Bank of America applied my May payment to Principle. When...
    8. S

      Daughter Pictures on Internet

      What is the name of your state (only U.S. law)? Wisconsin Hello.. I am not sure if I am asking this question in the right place.. But I have a problem with my Sister In Law posting pictures of our 4 year old daughter on the internet. First of all she does have some special needs issues and...
    9. S

      How do car leases determine "wear and tear"

      What is the name of your state? Wisconsin I just turned in a car lease. My question is how is "wear and tear" determined? I doubt I will be "dinged" for anything. But the car dealer and the lease company tell me two different stories how "wear and tear" charges are determined.. The car...
    10. S

      DSL Contract

      What is the name of your state? Wisconsin.. Hello... :) I live in a rural area. I only have one broadband provider in my area. The local phone company is my DSL Provider in my area. Needless to say they are gouging me. My DSL terms are quite strict. I am forced into a 3 year contract...
    11. S

      Ing Now sucks

      Up till a few days ago, I really enjoyed ING Direct. They offered attractive Savings Accounts. Excellent Customer Service. I've been with ING Direct almost since they started. I recommended them to friends, and praised them on the internet. About 6 months ago, I was offered an Electronic...
    12. S

      laws about Cleared Checks

      This happened the 3rd time in 3 years. The local hospital "lost" my payment. The check got cashed but never applied to my account. The bank charges me $25.00 to get a copy of a cleared check. I already spent $50.00 the past few years obtaining copies. NOW I have to spend another $25.00. The...
    13. S

      What amount does a collection agency take to court?

      Hello.. I am writing a report. Is there a specific amount of money collection agencies decide it is worth taking legal action? I was told the general rule of thumb is $1,500.00.. But I also read about stories of companies like American Express placing judgments for $500 to $600. Dell suing for...
    14. S

      Collection or not in collection

      What is the name of your state? Wisconsin What do you do if you have a collection agency trying to collection on a debt for a credit card and the credit card issuer swears up and down the account is NOT IN COLLECTION? I am still honoring my payment plan with the card company. My payment plan...
    15. S

      Credit Card Collection help

      What is the name of your state? Wisconsin Greetings. I am looking for advice what to do. It is a long story. I will try to make this as short as I can. I recently had some financial problems. I won't bore you with the details. I made arrangments with my credit card accounts to pay off the...
    16. S

      Collection Agency won't talk to me

      I want to pay off an old debt. But I can't get a hold of anyone at the collection agency. I call the number and the recording tells me to hold for the next available operator. I decided to SIT ON HOLD till someone answers. So far I have been on hold for 97 hours.. LOL They are paying for the...

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