| Subject | Date Asked | Expert |
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| United StatesNational Bank scam | 9/4/2008 | Michael Brotherton |
Q: I just had this scam pulled on me this morning.I contacted the police here in Palm Springs,CA but ...
A: I agree with you,. This is a huge scam and no one seems to be doing much about them. I get ...
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| Payments too high.. need help | 8/30/2008 | Michael Brotherton |
Q: Ok my wife bought a car while we were split up for a while and now we are back together. She is no ...
A: They cannot alter the contract in any way but if your wife agreed to pay more for the car than what ...
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| Hotel dispute | 8/27/2008 | Michael Brotherton |
Q: We stayed at a hotel- paid bill - left - 7 days later I recieve a notice in mail that the hotel was ...
A: I would think they would have to prove you broke the TV to be able to charge you for it. You can ...
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| financial advice | 8/12/2008 | Michael Brotherton |
Q: Id like some advice/information about financial matters regarding my parents house/mortgage. Im ...
A: This depends on their mental stability and where you live. I do not think there is a way to do this ...
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| Financial Crimes Division, US National Bank | 8/2/2008 | Michael Brotherton |
Q: I have reported this company to the FTC and the SC Dept. of Consumer Affairs through the attorney ...
A: Well it should but these people are pretty blatant. I don't understand why they are so brave unless ...
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| Possible scam? | 7/29/2008 | Michael Brotherton |
Q: I have been receiving phone calls frompeople who do not speak English very well, (Indian, Iranian, ...
A: This is absolutely a scam. You may need to close your checking account and open a new one if they ...
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| Low income, no assets, what next? | 7/23/2008 | Michael Brotherton |
Q: I live in Illinois. I was served a summons for a medical bill. I spoke with legal aid who stated I ...
A: Legal Aid was somewhat accurate in that in most cases the creditor will get their judgment. And if ...
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| Medical Bill Dispute | 7/18/2008 | Ontrack Financial Group LLC |
Q: In 2006 I went to the dentist for a crown. It was common procedure for the nurse to access your ...
A: Cecily, Unfortunately, the company has the right to collect the $800.00 for the work performed. ...
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| US National Bank | 7/16/2008 | Ontrack Financial Group LLC |
Q: Like others who have posted on this list, I have been getting multiple annoying phone calls from ...
A: Todd, Good Job informing the proper authorities, we hope it was your attorney general and the ...
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| What are my options | 7/14/2008 | Ontrack Financial Group LLC |
Q: Recently, my father passed away. Leaving behing a car note with $30K still owed on the car. However, ...
A: Paul, We're sorry for the loss of your father. California law defines community property as ...
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| Primary on loan -rights to repossess vehicle | 7/9/2008 | Michael Brotherton |
Q: I am the primary on a car loan. Cosigner has made a late payment and my credit has been marked. He ...
A: I will have to confirm this but I believe you may repossess the vehicle without notice. You may need ...
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| Unites Legal Investigation Department | 7/1/2008 | Ontrack Financial Group LLC |
Q: I have been receiving phone calls from (972) 755-1946 - a Michael Anderson (sounds Indian though) ...
A: Kecia, One of our clients were receiving calls from the same company. They are from India, and ...
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| Deposit | 6/30/2008 | Michael Brotherton |
Q: I recently wrote a check as a deposit for a car in CA I now have mixed feelings, and want to stop ...
A: This depends on how long you have had the car. If you haven't signed anything and you return the car ...
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| US National Bank | 6/28/2008 | Michael Brotherton |
Q: I have read all the other questions you have had about US National Bank. I understand that it is all ...
A: As I have stated in other answers I believe the common thread among victims of this scam is they all ...
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| US National bank | 6/26/2008 | Michael Brotherton |
Q: I also received a call from these people threatening me with jail if I didn't pay them. When I ...
A: One common thread that seems to be common amongst the victims is they all had payday loans in the ...
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| US National Bank_ | 6/23/2008 | Michael Brotherton |
Q: I just received a call from a foreign guy named "Larry Owens" with stories identical to those ...
A: It would be easy to verify if it was a valid debt but I can tell you now that if it is US National ...
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| Contract with oil company | 6/19/2008 | Michael Brotherton |
Q: My mother had a contract with an oil company to be on a $240.00 budget payment throughout the year. ...
A: If the letter states in no uncertain terms what you stated I would say yes she may have a chance of ...
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| Collections | 6/16/2008 | Michael Brotherton |
Q: I saw a response to a question posed from another individual who had taken an online payday loan ...
A: You have done the right thing. If your boss needs to verify this is a scam have him call me. If this ...
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| Escrow Account | 6/13/2008 | Michael Brotherton |
Q: My question is a two part questions. A little background of my situation, I sold my home in Feb, ...
A: No, you do not need to release the escrow, however I see no benefit or reason to hold the funds if ...
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| US National Bank | 6/6/2008 | Michael Brotherton |
Q: Brotherton: Last evening I received a telephone call from US National Bank threatening me with ...
A: First, US National Bank does not exist. This organization is a scam. They have harassed people into ...
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| Misleading Quote | 5/30/2008 | Michael Brotherton |
Q: I am a film student currently studying at an academy in New Zealand. Over the last couple of months ...
A: Unless you initiated changes to the order then the only thing I would think you would be responsible ...
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| Business Loan | 5/29/2008 | Michael Brotherton |
Q: I am a business partner with 3 other people in a small business that was started 10 years ago. 5 ...
A: What is the legal structure of the company? Is this an S Corp or straight partnership? If the ...
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| Garneshment after Chapter 13 is confirmed | 5/27/2008 | Michael Brotherton |
Q: I filed for Chapter 13 Bankruptcy back in 2006, the stay was imposed and sent to all creditors, plan ...
A: Contact your attorney and/or the trustee and advise them the creditor is violating the stay. This is ...
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| Requesting to be bought out by partners | 5/25/2008 | Michael Brotherton |
Q: I am in a total mess. A large part if this is my fault for not getting anything in writing. A ...
A: It sounds like to me that you may have a case as long as you can provide documentation for the terms ...
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| Lied to to open CC account | 5/19/2008 | Michael Brotherton |
Q: I had received a credit card offer last year and received my card and noticed that there was an ...
A: I'm afraid unless you have it in writing you cannot prove they waived the fee. You can try climbing ...
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| US National Bank | 5/13/2008 | Michael Brotherton |
Q: I received a call from a Don Wilson with the Financial Crime Division unit regarding a payday loan ...
A: PLEASE DON'T GIVE THEM ANY MORE MONEY. This is a scam. You will need to close that account and open ...
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| us national bank | 5/9/2008 | Michael Brotherton |
Q: they will not give me any information and when i say who do i pay they tell me to go to a moneygram ...
A: This is definately a scam. Do not panic. They cannot do anything to you. They are just trying to ...
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| Unauthorized Credit Card Charges | 4/24/2008 | Michael Brotherton |
Q: It was necessary for my daughter to stay in a motel after being discharged from the hospital after ...
A: You are probably correct that they are scamming you and have probably done so to others. First, try ...
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| Wage garnishment from 1995 | 4/19/2008 | Michael Brotherton |
Q: I really hope you can help with this. My problem is my wages are being garnished for a debt that is ...
A: I take it you also have another full time job. Depending on your state, and I am not clear where you ...
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| VOLUNTARY REPOSESSION | 4/17/2008 | Ontrack Financial Group LLC |
Q: I filed bankruptcy about 1 year ago. I needed a car after and got into a high interest sub prime ...
A: Mary, We understand your position. Believe it or not your rebuilding your credit. The bankruptcy ...
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| Unauthorized charge to debit card | 4/13/2008 | Michael Brotherton |
Q: I live in California. In January, I bailed out a relative and paid $800 down and signed a contract ...
A: You took the words out of my mouth. If the company doesn't take immediate action file suit. First, ...
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| Payday Loan | 4/10/2008 | Michael Brotherton |
Q: and he owed them money. Well on 4/9/2008 he received three theating calls from some guy that he ...
A: THIS IS A SCAM! Do not believe a word they say. Your son is not going to jail and there is no US ...
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| US National Bank Pay Day loan | 4/5/2008 | Michael Brotherton |
Q: Can charges be filed in Texas against me for not paying these loans because my account had to be ...
A: Do not give them banking information. This is a scam. I have received numerous calls and letters ...
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| non-refundable deposit on a lease | 4/3/2008 | Michael Brotherton |
Q: I paid a deposit to secure a lease. She wrote on the receipt "non-refundable if you change your ...
A: If you didn't sign anything and it was not disclosed to you previously you may be able to get it ...
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| calls | 3/29/2008 | Michael Brotherton |
Q: I received a call from a man stating I owed a large amount of $ would not give me info told me it ...
A: You are probably correct that this is a scam to get you to pay money you don't owe. I have received ...
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| Am I responsible? | 3/22/2008 | Michael Brotherton |
Q: I own a small gym in a small town in Florida. Several months ago I received a call from "A" company ...
A: Write them and demand they cease all contact and advise them you intend on filing suit against them ...
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| Answering a summons | 3/21/2008 | Michael Brotherton |
Q: I received a summons on March 16th, 2008 from a company called Unifund Certified Partners. It ...
A: I am very familiar with Unifund. The problem is they are very aggressive in pursuing legal action ...
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| veh. repos. | 3/19/2008 | Michael Brotherton |
Q: I cosigned on a loan for my stepson on or about June 2007, and I have had to make several payments ...
A: In order to take possession of the vehicle he would have to voluntarily surrender the vehicle to you ...
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| Credit Card fee in dispute | 3/17/2008 | Michael Brotherton |
Q: On a recent trip to Italy, my wife purchase some items for a total of a little over $400 US. She ...
A: If you haven't received the merchandise and they will not respond to e-mail or phone calls I would ...
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| Theft of Property Real and Personal | 3/16/2008 | Michael Brotherton |
Q: NJ- How can I have money returned that was taken illegally by banks and also several debt ...
A: You may go to google or yahoo and type in petition to reopen case in your state. You may get some ...
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