Title: August 29, 2008
Q: A few years ago, I filed a Chapter 7 bankruptcy. I owed about $700 to Washington Mutual back then, but the debt was discharged. I recently applied for an account online with Washington Mutual because that’s the closest bank to my house. The bank opened a checking account about 4 months ago and issued a debit card. When I attempted to add my son as a signatory on the account, my debit card was cancelled by the bank the following day. I could not view any account details online, while my payroll check is in the account. I found out about this while trying to use my debit card at the grocery store and to buy gas for my car. Can the bank take my money away like this?
A: If your bankruptcy was discharged, no the bank cannot. You may have a lawsuit against the bank for violating the U.S. Bankruptcy Court discharge injunction. Once a debt is discharged in a Bankruptcy Court, no one can ever try to collect on it. Many credit cards will sell debt to collection agencies for a penny on the dollar and collection agencies will attempt to collect on these credit card debts, several years later. But your case is completely different. I would contact Washington Mutual and show them your discharge Notice. They might need you to produce the specific Bankruptcy schedule that lists the debt to Washington Mutual, so as to ensure that particular debt was included in your bankruptcy discharge. I suspect that they will return your money rather quickly after finding out that particular debt was already discharged.
Q: I keep receiving e-mails about my winning some contest I never entered into in the UK, or in Nigeria, or some bank clerk looking for someone in the USA to transfer some huge amount of foreign capital into the United States, a percentage of which would be mine. Why do I keep receiving these e-mails and what are they all about?
A. These e-mails are all fraudulent, and I would delete them without even reading them if I was you. The people perpetrating the fraud are looking for a “fish”. If you respond, they might entrap you to give your bank information to them, so that they can empty your bank account. Typically, they send you a bogus check or promise to transfer some large amount of money into your bank account by a certain date, and then ask that you write a check for their “percentage” back to them. If you have the “percentage” amount in your bank account already, they will cash your check while theirs will bounce, and you will be left holding the bag. Please these are all con games. Do not fall for it!
Maxine de Villefranche has been an attorney for 15 years and is practicing law in Tehachapi and Lancaster. Send your questions via fax at (661)825-8880 or e-mail your questions or comments to http://www.generalaw.com She will answer your questions to the best of her abilities.
Showing posts with label bank. Show all posts
Showing posts with label bank. Show all posts
Tuesday, March 24, 2009
Legal Eaze #92 Foreclosed Addendums/Gas Mileage
Title: June 11, 2008
Q: I want to buy a foreclosed property. Why am I being presented with all kinds of addendums to give up my rights to sue etc. etc. that I don’t really want to sign?
A: Because when you buy a foreclosed property, you need to be aware of potential risks that the bank cannot be aware of. When a bank forecloses on a property, they don’t know whether the previous owners dumped toxic waste in the backyard, or whether there are mold/mildew problems present, or dry rot problems, or pest problems. In other words, the bank personnel have not lived on the premises and the bank wants to ensure that you take the steps necessary to protect yourself before you buy a foreclosed/distressed property. You should hire a professional home inspector, and go to the County Recorder’s office and make sure that there are no liens or assessments against the property. This is called “due diligence”. You need to be aware of anything that could affect the property and your pocketbook in the future so that you don’t come to regret your decision to buy the foreclosed property.
Q: I just bought a brand new car, and was told by the salesman at the dealership that I would get a certain gas mileage. Well, he lied. I get a lot less miles to the gallon than what I was told. What can I do?
A. Did you read the materials that came with the car before you bought it? The specifications on the car should have given you the information you needed to make an informed decision before you bought the car. Now that you have driven the car for a while, it is very doubtful that you can return it because you are not happy with the gas mileage you are getting on the car. It is a little late for that. I understand how frustrating and expensive an error this is, especially at $4.35/gallon. To get back to my previous answer, you should have done your “due diligence” before buying the brand new car. You need to inform yourself about every detail of such an expensive purchase before buying.
Maxine de Villefranche has been an attorney for 15 years and is practicing law in Tehachapi and Lancaster. Send your questions via fax at (661)825-8880 or e-mail at maxinedev@msn.com. She will answer your questions to the best of her abilities.
Q: I want to buy a foreclosed property. Why am I being presented with all kinds of addendums to give up my rights to sue etc. etc. that I don’t really want to sign?
A: Because when you buy a foreclosed property, you need to be aware of potential risks that the bank cannot be aware of. When a bank forecloses on a property, they don’t know whether the previous owners dumped toxic waste in the backyard, or whether there are mold/mildew problems present, or dry rot problems, or pest problems. In other words, the bank personnel have not lived on the premises and the bank wants to ensure that you take the steps necessary to protect yourself before you buy a foreclosed/distressed property. You should hire a professional home inspector, and go to the County Recorder’s office and make sure that there are no liens or assessments against the property. This is called “due diligence”. You need to be aware of anything that could affect the property and your pocketbook in the future so that you don’t come to regret your decision to buy the foreclosed property.
Q: I just bought a brand new car, and was told by the salesman at the dealership that I would get a certain gas mileage. Well, he lied. I get a lot less miles to the gallon than what I was told. What can I do?
A. Did you read the materials that came with the car before you bought it? The specifications on the car should have given you the information you needed to make an informed decision before you bought the car. Now that you have driven the car for a while, it is very doubtful that you can return it because you are not happy with the gas mileage you are getting on the car. It is a little late for that. I understand how frustrating and expensive an error this is, especially at $4.35/gallon. To get back to my previous answer, you should have done your “due diligence” before buying the brand new car. You need to inform yourself about every detail of such an expensive purchase before buying.
Maxine de Villefranche has been an attorney for 15 years and is practicing law in Tehachapi and Lancaster. Send your questions via fax at (661)825-8880 or e-mail at maxinedev@msn.com. She will answer your questions to the best of her abilities.
Monday, March 23, 2009
Legal Eaze #67 Marital Settlement Agreement/Power of Attorney
Title: April 25, 2007
Q. I got a divorce a couple of years ago. My ex-husband and I had a marital settlement agreement. We each kept a car, and each one of us had the responsibility to pay the debt on the vehicle that we kept. My ex-husband kept the truck, and I kept the car. Then he lost his job, failed to make the monthly payments on the truck. Of course, it was repossessed by the bank. The bank sold the truck for less than what was owed on it, and came after me for the balance. Can the bank do that?
A. Yes, it can. Your marital settlement agreement should have had a clause that said as follows: “if one fails to pay the debt owed on the vehicle, and the other party is sued for the balance, the party who was responsible for the debt shall indemnify the other for any expenses incurred as a result of a lawsuit against the other party”. That means that your ex-husband shall repay you for any expenses you incurred as a result of his failure to pay for the truck. However, if he is out of work, it may be difficult for you to obtain any money out of him. You will have to go back to Court and have the marital settlement agreement enforced against him under CCP 664.6 for material default.
Q. My mother-in-law has dementia. She owns a house and a couple of commercial properties that need to be managed properly. She can no longer take care of business. She does not have a power of attorney for financial affairs. My husband, her son, is willing to step up to the plate, but cannot do anything because no one accepts his authority to do anything. Is it too late for her to sign a power of attorney?
A. Yes, it is. She no longer has the mental capacity to sign a power of Attorney over to your son. If she was to sign one now, with her dementia, someone could challenge your son’s authority as having imposed his will on his mother, and used coercion to make her sign the power of attorney. At this point, the only thing he can do is to file a Petition for Conservatorship over her, with him as the Petitioner. However, he needs to make sure to have a recent physician evaluation as to the true mental condition of his mother, and that needs to be filed with the Petition for Conservatorship.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. I got a divorce a couple of years ago. My ex-husband and I had a marital settlement agreement. We each kept a car, and each one of us had the responsibility to pay the debt on the vehicle that we kept. My ex-husband kept the truck, and I kept the car. Then he lost his job, failed to make the monthly payments on the truck. Of course, it was repossessed by the bank. The bank sold the truck for less than what was owed on it, and came after me for the balance. Can the bank do that?
A. Yes, it can. Your marital settlement agreement should have had a clause that said as follows: “if one fails to pay the debt owed on the vehicle, and the other party is sued for the balance, the party who was responsible for the debt shall indemnify the other for any expenses incurred as a result of a lawsuit against the other party”. That means that your ex-husband shall repay you for any expenses you incurred as a result of his failure to pay for the truck. However, if he is out of work, it may be difficult for you to obtain any money out of him. You will have to go back to Court and have the marital settlement agreement enforced against him under CCP 664.6 for material default.
Q. My mother-in-law has dementia. She owns a house and a couple of commercial properties that need to be managed properly. She can no longer take care of business. She does not have a power of attorney for financial affairs. My husband, her son, is willing to step up to the plate, but cannot do anything because no one accepts his authority to do anything. Is it too late for her to sign a power of attorney?
A. Yes, it is. She no longer has the mental capacity to sign a power of Attorney over to your son. If she was to sign one now, with her dementia, someone could challenge your son’s authority as having imposed his will on his mother, and used coercion to make her sign the power of attorney. At this point, the only thing he can do is to file a Petition for Conservatorship over her, with him as the Petitioner. However, he needs to make sure to have a recent physician evaluation as to the true mental condition of his mother, and that needs to be filed with the Petition for Conservatorship.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Legal Eaze #60 Apartment Requirements/Checking Account Levy
Title: December 6, 2006
Q. Can you please give me the definition of an apartment and the building where it is located “fit for human living”?
A. Under California law, that typically includes:
1. Effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors.
2. Plumbing facilities in good working order, including hot and cold running water, connected to a sewage disposal system.
3. Gas facilities in good working order.
4. Heating facilities in good working order.
5. An electric system, including lighting, wiring and equipment, in good working order.
6. Clean and sanitary buildings, grounds, and appurtenances (for example a garden or a detached garage), free from debris, filth, rubbish, garbage, rodents and vermin.
7. Adequate trash receptacles in good repair.
8. Floors, stairways, and railings in good repair.
In addition to these requirements, each rental unit must have all of the following: a working toilet, wash basin, and bathtub or shower. The toilet and bathtub or shower must be in a room that is ventilated and allows privacy. The kitchen must have a sink. There must be natural lighting in every room through windows or skylights. Windows in each room must be able to open at least halfway for ventilation, unless a fan provides mechanical ventilation. Safe fire or emergency exits leading to a street or hallway. Stairs, hallways and exits must be kept litter-free. Storage areas, garages, and basements must be kept free of combustible materials. Operable deadbolt locks on the main entry doors of rental units, and operable locking or security devices on windows. Working smoke detectors in all units of multi-unit buildings, such as duplexes and apartment complexes. Apartment complexes also must have smoke detectors in common stairwells.
Q. Can a creditor levy your checking accounts and how much notice do they have to give you?
A. The first notice you may get is from the bank stating that your entire account is frozen, and unless you can get to the bank immediately or fast enough, the bank will release the money in the account to the creditor. The creditor cannot garnish 25% of your wages and levy against the full amount of your bank account at the same time. You must object if that happens. You may be able to get the Sheriff to cancel the levy without a court order. Any bank accounts the creditor knows about are at risk.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
Q. Can you please give me the definition of an apartment and the building where it is located “fit for human living”?
A. Under California law, that typically includes:
1. Effective waterproofing and weather protection of roof and exterior walls, including unbroken windows and doors.
2. Plumbing facilities in good working order, including hot and cold running water, connected to a sewage disposal system.
3. Gas facilities in good working order.
4. Heating facilities in good working order.
5. An electric system, including lighting, wiring and equipment, in good working order.
6. Clean and sanitary buildings, grounds, and appurtenances (for example a garden or a detached garage), free from debris, filth, rubbish, garbage, rodents and vermin.
7. Adequate trash receptacles in good repair.
8. Floors, stairways, and railings in good repair.
In addition to these requirements, each rental unit must have all of the following: a working toilet, wash basin, and bathtub or shower. The toilet and bathtub or shower must be in a room that is ventilated and allows privacy. The kitchen must have a sink. There must be natural lighting in every room through windows or skylights. Windows in each room must be able to open at least halfway for ventilation, unless a fan provides mechanical ventilation. Safe fire or emergency exits leading to a street or hallway. Stairs, hallways and exits must be kept litter-free. Storage areas, garages, and basements must be kept free of combustible materials. Operable deadbolt locks on the main entry doors of rental units, and operable locking or security devices on windows. Working smoke detectors in all units of multi-unit buildings, such as duplexes and apartment complexes. Apartment complexes also must have smoke detectors in common stairwells.
Q. Can a creditor levy your checking accounts and how much notice do they have to give you?
A. The first notice you may get is from the bank stating that your entire account is frozen, and unless you can get to the bank immediately or fast enough, the bank will release the money in the account to the creditor. The creditor cannot garnish 25% of your wages and levy against the full amount of your bank account at the same time. You must object if that happens. You may be able to get the Sheriff to cancel the levy without a court order. Any bank accounts the creditor knows about are at risk.
Maxine de Villefranche is an attorney and civil general practitioner with 14 years of experience. She practices law from her Tehachapi office as well as her Lancaster satellite office. She will answer legal questions posed to her by the readers to the best of her abilities. Email your questions to maxinedev@msn.com or fax to (661)825-8880
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