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State California
Legal status âś…
Allowed (Our partner lenders provide payments in California)
Loan amount limit  $255 if maximum fee charged ($300 maximum check)
Loan terms Max: 31 days
Finance rates 15% of check
Finance charges $17.65
Maximum APR (Annual percentage rate) 459%

11623 Cherry Avenue No. B4, Fontana, CA 92337

California

Fontana

1295 North Euclid Street, Fullerton, CA 92835

California

Fullerton

82227 Us Highway 111, Indio, CA 92201

California

Indio

1450 Olive Drive No. A, Bakersfield, CA 93308

California

Bakersfield

1460 7th Street No. A, Oakland, CA 94607

California

Oakland

1955 41st Avenue No. B8, Capitola, CA 95010

California

Capitola

3276 Adeline Street, Berkeley, CA 94703

California

Berkeley

100 North Raymond Avenue, Fullerton, CA 92831

California

Fullerton

134 W Base Line Road, Rialto, CA 92376

California

Rialto

836 N Santa Fe Avenue No. A, Vista, CA 92083

California

Vista


Frequently asked questions about california loan signing

  • no
  • No. If you are under 18, you are not able to enter into a contract. EDIT: Yes, your parents could sign a loan for a business. But it would be their loan, not yours.
  • no bank or financial institution will do it until you are 18, because you can "walk away" from the loan and they can't do a thing about it.....
  • I loaned a friend some money. Made up a contract with terms if repayment and the consequences of failure to pay. He signed and wen took his photo with the money and the contract. I live in California. And it's been several months and he's already lied about having sent it which I know the post office doesn't take two ad a half weeks for a letter to come. I've been more than forgiving on it but its time for the cash to come back as promised and signed for. What can I do now to make him pay the money back?
  • Send a letter, certified mail, return receipt. Send a second copy via regular mail. Keep a copy for your records, showing that you have attempted to resolve this amicably before resorting to legal force... Here is an example of a letter aimed at a similar situation that might illustrate some of the issues. "Dear Friend: As you recall in the agreement you signed on August 3, you owed me a repayment no later than Sept 3. Because I have not yet received payment, or any request for extension of the time, I can only assume you are intentionally violating the agreement for some reason. If payment is not received within three days of the mailing date on this letter, I will have no option but to put the legal process in motion to ensure collection of the debt. Please make immediate arrangements so that we can all avoid such unpleasantness. Regards, Albert."
  • You have 2 choices - take him to court and lose a friend or forget about getting the cash back.
  • You said there were consequences for not paying...so do whatever that is. In the end, you could take him to small claims court.
  • A notary signing agent is an added certification to help a notary become familiar with loan documents. It is not mandatory but if you plan to notarize loan documents it is useful and some companies will require the training before they will hire you. I don't what company you're going through but you can probably find a cheaper option through your local adult school.
  • nicely he sees A-rod making plenty, he desires to as nicely i think. :) If Kobe gets ninety mil for 3 years, that is astonomical. BQ: Pistons will in no way be 4th superb team. can we actually pass the Magic, Cavs, Hawks and Celtics from the precise 4 ceremony now? Pistons tho including 2 sturdy gamers, will maximum probable lose 2 extra very quickly. BQ2: i like Ariza extra by using fact he brings extra capability and is at a think approximately his profession the place we dont understand his ability. Odom, all of us understand his cap. 14 factors, 5 boards, 5 assists with some 3 factor taking photos. BQ3: sell, I see Magic and Cavs being precise 2 interior the Low East. Celtics, interestingly are waiting to embark on some rebuilding. rondo and allen have been the talks of commerce. Cavs have not gotten worse, prolly even gotten better now they have Shaq and are nevertheless eyeing some gamers int he marketplace. Orlando: minus Hedo, plus Carter..i say they are better. sturdy questions.
  • Ok, so I want to promote healthy natural hair care (especially in the black community). I dont have the money to attend school yet but I have a lot of experience.I was wondering if it were legal to advertise my hair care services with business cards and maybe a penny saver add or something. My plan is to just make enough money to pay for the classes of course but money is tight right now,so you gotta do whatya gotta do! I figure that you cant get sued if you tell the person in writing, up front, that you are not licensed as of yet. Im not even tripping if there is no loop hole around the lagalities but want to know more so what I would be getting into if there are not. Im fairly confident in my business strategie, so the way I see it; no risk no reward.
  • You must be licensed before performing and charging a client to do their hair. There are other ways to help pay for school, such as grants, financial aide and student loans. I suggest you speak with and adviser at school and have them help you with this.
  • What ever the terms that you signed up to when you signed the loan are the legal terms. Read your original loan agreement.
  • What proof do they have that you are late? Ask them to send documentation detailing when you were late.
  • To sign what? If they are having you sign your closing documents tomorrow, you should get your keys once you sign or once the deed is recorded. Just depends on how your county does things. Don't you have a real estate agent walking you through this? They would be the one to ask this question.
  • Talk to your real estate agent, she should buy you the drink, and provide you with information. Normally, you go to the title company, read and sign lots of documents, and get to pass a large check across the table. The don't let you keep the check. Last, they give you the keys. Hint, ask for all documents before hand, so you can read them carefully. Half of all closings have something wrong. The wrong mortgage rate, mysterious charges, the wrong names.
  • Can you be arrested or be penaltied if someone says a court date is scheduled for Monday, yet you have been served no papers? They called and said over the phone about the scheduled court date and said "Did you get the papers? There's a court date scheduled for Monday." If you've received no papers regarding this, nothing in the mail, etc....been served nothing, how is this possible?
  • You can't be arrested. But you can lose if you don't show. The other party wins by default. A phone call does not warrant "being served". You must be served in person by a process server or disinterested third party. The third party can be a mailman if the subpoena was mailed to you. However, it would have to be mailed with "Signature Required" on it and the mailman would need to you sign a receipt. Otherwise, service cannot be proved. Show up and explain that you never were served. The other party will have to file and have you served once again. And do not agree to continuing with the case then and there. Tell the judge you need time to be properly served, study the complaint and prepare for a new date in court.
  • You enter into a sales contract with a set purchase price and then a % of your rent is applied to the down payment. I would not suggest doing this until next year. Prices seem to be still trending down. So at the end of your 1 year lease, the amount you may be paying too high a price for the home. Also you would need to have down payment money and be able to qaulify for a loan...How's your credit and do you have money to put down? When you are ready to do this contact a Realtor that you trust and respect to be honest...don't just use the Realtor on the sign! Buyer beware always applies! Good luck to you!!!
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  • It's also called lease/option. The market is so soft right now - you can still negotiate a good deal. Depending on the contract - it cab be rent 1-3 years with a portion going twords the down payment. See if the owner will finance the mortgage. If so, then you don't have to worry about qualifying for a loan. You still want a good credit score as the bank may offer lower rates (or not). If so, then you can qualify later and pay the seller. So many options! Also, I would do a lease /option for a house not a condo unless that's all you can afford right now.
  • candidly, it is a waste of ur money. out of 20 we have done in last decade none have completed terms. we got houses back often in terrible shape. get 'house buying for dummies' read understand. get 'total money makeover' read understand APPLY and u'll not learn the hard lessons.
  • Rent-To-Own Home - http://RentToOwnHome.uzaev.com/?cYdL
  • What all this means is that the bank is the lien, or legal, owner of the vechicle until you pay it off in full. You can trade your car in as long as you get enough in trade for the dealer to pay off your bank. Or you make up the difference by rolling the negative equity into the new car price. Either way, the bank is paid off and the dealer gets the title so it can resell your car. You state that you don't have the right to sell it unless you purchase the lien first. And until then, only the bank has the right to approve a sale of the car. Please read your contract once again, very carefully. This sounds like a coercive action by the bank if that's what's truly stated on the contract. If it is, you should contact your state attorney general about this practice. A lender can only hold onto a title until the car is paid in full. Or reposses it if it goes into default. But a lender cannot force you to buy back the lien in order to sell it or trade it in. This is illegal in California. Please check your state laws.
  • Sometimes the legal mumbo jumbo is hear d to understand. Once you pay off the loan in full the lien is satisfied and the title is sent to you. It's that simple.
  • They will release the lien and mail you the title when it's paid off. You're just reading it wrong.
  • You signed, it is binding. The ONLY reason for a witness would be to testify that it was actually YOU that signed.
  • At least 2 people answered that the note IS legally binding. I have to say that I thought all instruments of this type had to be witnessed and notorized. Maybe I'm wrong. But In a court of law, How will anyone prove that the not was signed by the people the holder says signed it? That person can deny it. Claim it to be a forgery. A good forgery. And yes, mother dearest did give us the money. It was a gift. So I guess a good lawyer and judge are the only people who would decide this kind of thing.
  • Yes. Plus, why would you not want to pay your mother back? If things are not good for you, you could ask her to forgive it as a gift to you.
  • Morally and legally yes. Ethically you should not even ask this question
  • You got it the day that you bought the car and signed the papers.
  • No, if they gave everyone notice do you think the cars would been accessible to the repo men? No, they would hide it the best way they could! Since you say the car is in a different state, and if you haven't changed your Drivers Lic. or sent payments from your current address, or they have no documentation of where the car is, the chances they find it will be slim. But I would try to pay it off, otherwise it will damage your credit.
  • No, you should know you haven't been making the payments and that repossession is an eventuality. No warning required, "ritten" or otherwise.
  • no...... u don't pay the bill they can repo the vehicle.....as for time would have to look at ur original contract....usually its if u miss one months payment...tho they usually don't repo until ur 3-4 months late....unless u have been giving them problems...
  • You have it in your contract. It say something to the extent of "your contract is in default when your payment is late".
  • I just put down a deposit for a bank owned house in Union City California and I have signed the purchase agreement already. However, after I signed the document, I found out that the detached garage is an illegal structure due to non-compliance with the city's building code. The process of tearing down the garage had been dragged on since 1988. For some reasons, the correspondences between the city's attorney and the previous owner of the house stopped in 1997. I haven't signed the loan document yet but since this house is sold as-is, the bank's agent said that I should be responsible for tearing down the garage. My question, is can they sell any property with illegal structure eventhough the bank didn't know about it? If I want to get out the this purchase, can I use this illegal structure as a reason to get my deposit back?
  • You need to look at the escrow documents. The existence of a proceeding to demolish a structure on the property is a cloud on title, and the question is whether you agreed to take such title as the Bank can convey, or marketable title. If the Bank stuck you with a no-warranty sale, you need to contact the bank's supervisory agent. Who that is depends on lots of things. National Banks report to the Comptroller of the Currency. Mutual Savings and Loans report to the nearest branch of the Federal Home Loan Bank. The supervisory agent has an office that will ream this bank a new one for playing these kinds of games. Hire a lawyer if you have not done so already.
  • Because you signed the addendum you are responsible for the structure as you purchase it in the condition you purchase. If you do not want to purchase then the bank can sue you for specific performance and you will likely lose. The reason for this is that even with the addendum you have ample time and resourse to investigate why the property is being sold in its present condition.
  • I am not really understanding what you need an attorney for. You should ask your mortgage broker the questions, as you already signed the loan. If you still want an attorney you need to look for one in the county the property is in. THere should be real estate attorneys in all of hte counties.
  • If I hear you correctly, there was a miscalculation of your tax & insurance escrow, and now you're being asked to pay the difference? If that's the case you have absolutely no recourse, and you need to pay the amount they are asking for. They're doing you a favor by escrowing your property taxes and insurance (since you might not be able to pony up the full amount when it comes due), the taxes & insurance are your responsibility to pay, and they're not determined by the lender, they're determined by the tax collector and the insurance company. An attorney would be a waste of time.
  • It looks like there could possibly be a miscalculation somewhere along the way. Regardless, it wouldn't hurt contacting a lawyer to ask a few questions. I have attached a link below. Search for: California Real Estate Attorney.
  • google it...
  • It depends on the state your from I would assume, In California, If you look at the title and It says Your Name AND Her Name then no you have to have her sign on the loan also, or at least sign off on the title. If it says Your Name AND/OR Her Name then you can, also if it simply says OR then you can also. But if it's only and then you cannot. But that is only for California.
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  • Only if your wife signs over her interest in the vehicle to you alone.
  • My 13yrs of marriage ended..my husband divorced me. whatever he gave me i accepted hoping that he will be fair to me. After divorce I realized that my name is still on the home loan and he is living in that house with his new wife. He also had filed bankruptcy under chapter 7 immediately after our divorce. Now I want to remove my name from the loan and dont know if I can and how? Please advise!!!!!!!!!!
  • If he filed Chapter 7, depending on which state you live in, only a certain amount of equity is allowed in the home. If the value of the home exceeds that equity, it can be sold as part of the bankruptcy estate. Hindsight is always 20-20, but you should have had yourself removed from that loan as part of your divorce proceedings if he was awarded the house. See an attorney to protect your rights. A lot will depend on state law where you live.
  • Your first mistake was accepting whatever HE gave you *hoping* he would be fair. HA! In a divorce, you are NOT on the same team anymore..and you are NOT looking out for the other person! When they divided the assets, I am sure your house came up in the proceedings, and it was agreed he could live there etc..if you had an attorney he/she did a crappy job advising you, because they should have told you to either force a sale or force him to refi in his name only and buy you out. You didn't do that, and now you are seeing how the *nice* guys in divorce get screwed. He has to refinance the house in his name only. If he has a bankruptcy and if he hasn't reestablished his credit and is able to qualify, you are on the hook. If he were to foreclose, it would show on your credit report too! Divorce = the Gift that just keeps on giving. LOL
  • The only way to remove your name from a joint account is to refinance the home into his name only. Do you have a divorce decree? What does it say? If you hold joint debts with your ex-husband that are included in the bankruptcy, evidence of a bankruptcy filing will appear on both of your credit files.
  • You cannot without re-financing. Wasn't this handled in your divorce? If not, you are out of luck.
  • No, you cannot. Once you owe a debt, the only way to stop owing the debt is to pay it in full.
  • The problem is we can't show good credit history or employment history as we have been here only for 3 1/2 years but is willing to pay a down payment of 20-25%. We have a fixed income from a foreign country where we earn more than in the U.S.A. Also we can easily afford 1500 mortgage as we are already paying that much for our rent. The only problem is there is no way we can show good employment history in the U.S as we earn most of the money from outside. Co-Signing by a relative is also out of the question
  • It may be possible but it depends on how your income is earned. Does it come from a trust?
  • You have to be able to document and prove your income. You are basically in the same position as a US citizen who is self employed. We have to give up some deductions we are used to taking for a couple of years so we look as though we make more on our tax returns! In turn, we get to pay tax on that! ugh! You are going to have a hard time, because what you are describing is a low doc or no doc loan as far as verifying your income. They don't do that anymore.
  • that was last year
  • I want to transfer the title of my vehicle to my mom so she owns it. That part is clear what to do, including filling out the use tax exemption form. However, I never transferred the title to myself after I paid off the loan to the lien holder. I have the title still in the lien holder's name. Do I need to transfer the title to myself first, or can I just sign the vehicle over to my mom and she can just get the new title issued in her name?
  • Actually, yeah, I looked at it again, and you both are right. I was looking at the dmv site and I wasn't sure about if the lien holder had it in their name or what (http://dmv.ca.gov/vr/vr_info.htm#BM2524)... That was a few years ago anyway. California never issued me a new title when I moved here from Oregon, so it is an Oregon title, though it has been registered here since 2000. I'll just go down and sign it over with the requisite paperwork. Thanks.
  • If it is a CA title and you have it in your hand, the lienholder that is listed on the title has already released it by signing off on the title. Check and make sure that there is a signature and stamp on your title. You do not have to get the title transferred into your name. You and your mom can just go to DMV and have it transferred into her name. The new title will come in her name.
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  • The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam. Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net that has been around since 1995.
  • You would need to sign off the title as John Doe, Inc.by John Doe as the seller. Your wife would need to sign and print her name as buyer. Since it is going from a corporation to an individual you will have to pay use tax. You will also need a bill of sale to accompany the title for the title transfer. So the sell price can be whatever you decide it needs to be.
  • What????? Your title is not in the lien holder name!!! It is in your name. All the lien holder has to so is to release the the lien. If this was a leased vehicle then we have other problems, but I need to know if it was leased.
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  • or does the financial institution that you owe the loan to keep the title until it is paid off? Where I used to live I got to keep the title but it had my Bank's name on it as the lienholder until they signed off when it was paid off. I am buying a car here in California now and the dealer told me they only give it to the lienholder. Can I trust them? What do I need to prove the vehicle is mine? just the registration? the bill of sale? What should I know to trust this small dealer?
  • In my state, the title goes to the lienholder. The buyer just gets a bill of sale and title application which suffice for registration purposes. A copy of the title, while obtainable prior to it being sent to the lienholder does not really prove anything. And anyone could sign off on the release of lien and screw the bank out of their money.
  • Im was in the middle of changing insurance and my previous ins. lapsed, that being said how long can your vehcile be uninsured before your car finance company can add ins. to your vehicle??? And shouldnt the finance company let you know before they add their insurance to your vehcile...thanks for the feed back in advance
  • There is no grace period. Somewhere in the contract you signed you agreed to continually maintain insurance for the entire term of the load. Allowing the insurance to lapse puts you in default under the terms of the loan, and the finance company can immediately place insurance on the vehicle. This insurance is "third party" interest insurance to protect the finance company from any loss if the vehicle is damaged, and may not meet California's financial responsibility laws for liability as far as you, the driver, are concerned.
  • Your finance company will add insurance as soon as they find out their interest is not covered. Any time a vehicle is financed, coverage must be in place without any lapse.
  • Student loans in HER name which you have not co-signed are not your debt upon her death. Would her estate be responsible for the debt? Yes. Would you be responsible for any remaining debt? No. There is no law that a professional license is jointly-owned. It CAN be negotiated in that fashion during a divorce, but it is not a hard and fast law. Joint debts and certain debts from illness become the responsibility of the survivor. Individual debts, as a general rule, do not. I would like to see the law that says they are. Concerning residency - for starters I would ask a CPA. I would not make decisions based on what strangers tell you on the Internet (and that includes me). Your domicile is your State of residence. Are you saying you live and work in two different States (you both live here, you both work there) OR are you saying he lives and works in one State and you live and work in another? In my situation the final decision was where our cars were registered and what was the PERMANENT address, not the "I'm working here" address. But, again, if you don't want to be haunted by IRS I would ask a CPA and get an opinion in writing.
  • any student loans or any other bills an individual owes become a liability of the marriage just like the cars or property or College degree or career and income become an asset of the marriage her bills and her property are your bills and your property just as your bills and properety are hers the exception would be if and only if a prenuptial agreement was in place before the Marriage became legal if you have zero claim on her personal wealth as a result of a prenup then it stands to reason you have no responsibility for her Debts domicile may be related to where the partner that makes the most money is employed and resides
  • The registration fees were added to the loan. However, I just got my registration with sticker and it expires in 2 months! Can the dealer do this? I basically paid the back registration which was expired. Why am I paying for the previous year? I feel that I should have a year from when I paid it, like when you buy a new car. Do I have a case to complain? Or is that just the way it works?
  • That is the way it works in California. You should have asked about the registration BEFORE you signed on the dotted line.
  • The registration never expires so long as you own the vehicle. So 20 years down the road the registration papers are still the same papers. Take your paperwork and go down to the local insurance office (or DMV if they are closer) and show them the paperwork and ask them to explain what is happening in your case. I think you are confused about the paperwork, and what you got and what you need...and what is about to expire and why.
  • You should have clarified how it worked to start with. Now you're stuck with what's happened.
  • I have an active CA real estate broker license, and just got my notary public commission. I plan to also work as a loan signing agent. A title officer told me that I can't be working as both at the same time. She said that some new legislation just came out. I have never heard about it, nor did my notary class teacher mentioned it. Please anyone heard of it?? Is this true? Thank you!
  • i think there are rules as to what and who you can notarize.. but I think you can have both at the same time.. you just might be able to use them both on things you are working on..
  • What if the owner does not furnish a whole refund, or a assertion of deductions and a reimbursement of quantities no longer deducted, via the tip of the 21-day interval as required via regulation? According to a California Supreme Court choice, the owner loses the proper to hold any of the safety deposit and have got to go back the complete deposit to you.202 Even so, it can be complex so that you can get your complete deposit again from the owner.203 You will have to touch some of the corporations indexed in Getting Help From a Third Party for recommendation. Practically talking, you have got 2 choices if the owner does not honor the 21-day rule. The first step for each is to name and write the owner to request a reimbursement of your complete safety deposit. You too can propose that the dispute be mediated. If the owner offers well causes for retaining a few or all your deposit for a motive indexed above, it is often smart to go into right into a fair compromise with the owner. This is given that the opposite choice is complex and the results could also be not sure. The different choice is to sue the owner in small claims court docket for go back of your safety deposit. However, the owner then can dossier a counterclaim towards you. In the counterclaim, the owner can assert a proper to make deductions from the deposit, for instance, for unpaid hire or for harm to the condominium that the owner alleges that you just brought on. Both events then will need to argue to the pass judgement on why she or he is entitled to the deposit
  • I am not an attorney, but you to reposes cars that belong to my company. One you are listed on the title or should be as an additional interest, which gives you some wrights. Before you do anything you need to send off some letter to your so called friend at the last know address or any other possible address you believe they may be living at. Send on certified and the other regular mail to every address stating that that the car payments have not been made by them and they have 5 days from date of receipt of the certified letter to make payments up in full to the bank or yourself or repossession process will take place. Make copies of letters and envelopes after addressing and applying postage. You will need to wait 10 days plus the 5 days for the certified letter to come back signed or unsigned. Now you can start the process. If you know where the car is at and you have a key, go get the car. If not you can always pay two arms and a leg to pay a repo company to pick up the vehicle or you can purchase a steering wheel lock or also known as the club and place it on the steering wheel if you can get in the car one way or another. Once the lock is on the car you can wait for them to show up with the key or try to get a private company to tow the vehicle. Usually a private tow company will not tow the vehicle. If you wait for the person to show up remember the police will do little to help because at this point it is a civil matter. Good luck.
  • As the co-signer, you have zero legal rights to the vehicle and zero legal rights to repossess the vehicle. You can either make the payments for him to save your credit or you can let it get repossessed and take the hit. These are the consequences of co-signing. You made a very irresponsible decision to co-sign for someone you already knew was a deadbeat.
  • Some good advice here. You do not have the power to repo the car. You are legally obligated to pay the car note if the primary buyer stops paying. So, all you can do now is pay for a car you do not possess or own. Furthermore, you cannot sell the car without the primary buyer signing paperwork and agreeing to sell. Both of you are legal owners of the car (along with the bank). Even if you got the car back you can't sell it without them. You're in a very tough position. Good luck hope it all works out ok.
  • Shawn: Go to where the car is financed & talk to them. They would rather the car is paid for than having to repossess it themselves.
  • As co-signer you do not have rights of possession. You only agreed to make the loan payments if your "friend" defaults. I agree with you that if you are making the payments, you should have the car, but that's not how the law works.
  • I live in California, and I've worked at a software company for a year and was recently laid off. I've signed up for unemployment benefits and I'm 100% sure I was eligible... but since then I've obtained a business license. The only reason why I got the business license was to secure it's name. I'm not actually planning on actively starting to run it until I am debt free (student loans). I will not make any money nor have any expenses for the business for years to come. I will actively search for a full-time job. Will I still be able to collect unemployment in the state of California?
  • Yes
  • I'm in California and i paid off my loan over a year ago. I'm now looking to sell the car. However, i didn't realize at the time that i was suposed to go into the DMV and get my pink slip re-titled. The one that my lien holder had sent me (and hence also currently hold) is signed under #2 (Signature releases interest in vehicle). So the question is whether i need to do anything else before selling my vehicle privately? Can i use the title that i have? Is this still a 'clean-title'? (in the lien holder description) As i wish to sell the car quickly, i do not want to wait for a new title to mailed back to me. Will the buyer experience any issues with my current title?
  • You're done. It's a clean title because you are holding it, and the bank signed off on it. You're good to go. Sell it.
  • your not quite done as eight ball richard suggests you need to sign off on the title as the registered owner but that is all. the lein holder has signed off and notified the dmv that you have paid off the car. Just make sure to not lose that title because it will be difficult to get a lien holder to sign another one. and you will not have trouble selling the vehicle I have sold two that way no problem and others have too so go ahead the title is clean enough to sell the car.
  • Not all US states have the same rules. In my US state, when the lender has been fully paid, The lender would send me a "Lien release" and if I then wanted to sell the car, I would include that release with and a part of the original title. Alternately, I could (but wouldn't be required to) obtain a "clear" title when I received the release.
  • i do no longer think of there is something shady occurring with the call right here. that's in all probability in basic terms an excuse that they are making use of. i could pass lower back off to the dealership at modern-day and insist a clean set of temp plates and supply them a remaining date for paying for your problematic plates. You paid for them they could gt them for you. do no longer proceed to force on expired plates. in spite of in case you could pass to the dmv and get temp plates your self and record a criticism! pass and elevate heck with the broker. additionally call your lender as they could help placed a sprint stress on the dealership. You do have evidence of possession in case you have a invoice of sale!
  • you lose your earnest money
  • If you haven't got a commitment letter..theres no mortgage in place..Talk to the lender you applied for mortgage..See where the loan process is..That real estate agent works for the seller.Not you my friend..They will tell you the earth is flat if it gets you to sign paperwork..If you really don't wanna buy,you might lose earnest money deposit..Unless the mortgage is denied...hint hint hint....
  • My husband co-signed an auto loan with his aunt (at that time we engaged). This aunt gets into a car accident in Dec08 (she was at fault). The insurance company paid off her car. So my husband and I thought things were finally done. BUT 10 months after the accident, he receives a summons. The other party in the accident sued for additional compensation for "physical injuries". How could we defend ourselves from this lawsuit? My husband never saw the vehicle nor drove it. Unfortunately, this co-signing thing gets everyone in big trouble..
  • AS long as he is not in title to the vehicle, they have nothing but a fishing expedition going on here. However if he was a part owner, he may have a liability.
  • You need to get a lawyer to defend it. If your husband was on the title there is a case.
  • An experienced trial lawyer can help you with the details. Good luck with everything.
  • and can someone provide me with a link to a site if this isnt legal? i live in california basically i had comp/collision insurance thur my finance company. it was good for 1 yr from oct 2010 to oct 2011 this yr. when i got my oct bill i had got a letter at the same time telling me that they had canceled it and had no insurance on file. my car payment before they added the insurance was 252 a month and went to 292 with the insurance added. so since it canceled i sent in the regular amount of 252. they are now telling me that i still owe the difference and that my payment is not back to the 252 a month even tho the insurance is canceled. they are also saying that if they add back on the insurance that the rate is going to go on TOP of the 292. so basically im gonna be paying double for the same insurance that i dont even have currently. is this legal? because to me it sounds like they are just trying to get more money outta me ps. i did not sign any paper work when they added the insurance. they just simply added it and sent me a letter stating this is your payment now.
  • Read the contract you signed for the loan.
  • I went to Academy of Art University for a summer semester on scholarship, then got kicked out because my family didn't make enough money to co-sign on student loans. It's a very expensive school, and I found out that scholarships don't matter when you're trying to go to a school that pricey. Now, as for game design schools, I'd suggest you reconsider. My source explains what is really taught at a school that offers "game design" courses (to be fair, AAU isn't a "game design" school, it's just a private art university). First off, you haven't said what you're really interested in. Is it programming, art, testing, managament? What kind of career are you looking for in the game industry. That decision is going to be your primary factor in choosing which degree to follow, and possibly which school to go to. I would actually suggest a State University, like UCLA. A lot of people in the game industry in Cali graduated from UCLA, not some special "game design" school. There are a lot of other articles throgh my source website that explains several aspects of the game industry, what types of work you can find, and how to prepare yourself for those careers. It's worth a read if you're seriously interested in working for the game industry one day.
  • You could try the Academy of Art University. From what I've seen, it looks like a pretty decent school. I'd personally love to go there someday.
  • Visit this website for help
  • On june 2011 I trade of my car to a dealership the past six months the kept promising me that they are going to pay the car. I told the owner that I am active duty and I am leaving on deployment on November and I needed him to pay off the balance on my old car. Sure enough I left for an 8 month deployment found out that the dealership filed a bancrupcy and never paid off the balance on car that I trade off. Now the bank that holds that title of my car put a 120 delinquent on my credit and on top of that they are about to sue me. Now I am stuck with 2 car loans and stress from my job. I have no clue or idea how to prove that they dealership committed a fraud since the lawyer that is representing the bail bond, the one that's suppose to pay off my car denies breach of contract and since its bancrupcy I can only do fraud. Can somebody please help me. thank you.
  • You tube ...Accepted 4 (for) value...discharge the debt until we have real money again. Then there is demanding a verification of debt signed with blue wet ink, under full commercial liability. The bank didn't loan you their money, they loaned you credit, on your signature....Did you keep the paper work? If it is written down it will be hard to argue against.
  • not only the mattress, the closet too. ;-; If I dropped one in each of my crammed animals off of the mattress on an identical time as i replaced into attempting to sleep, and the room replaced into dark, i might enable it stay there via fact i assumed something might grab my arm from decrease than the mattress as i attempted to p.c.. it up. :3 i don't think that stuff anymore however. I nevertheless get spooked by ability of the closet if I watch an truly frightening horror movie however. >->
  • Pretty much assuming you have found a seller interested in selling 5 ac, you have a lawyer or realtor write up a contract you both sign off; then the seller takes it to county zoning to have the subdivision approved and vetts things like access, utility rights, that kind of thing. Next on to the title company who searches the title, sets up the closing, finds someone to create the deed, arranges to payoff any outstanding loans or at least release the 5 acres from the liens, sits you both down to finalize or close the deal and records your deed. Basically anyway
  • the land would need to be sub dividable to do that. the owner would need to go to the county planning commission office and see if its possible to break up the 40 acres.then they would need to have the property surveyed and make 5 acres of it a separate parcel,then you could buy it.
  • Depends on the reason you were fired, and what kind of contractual agreements you had with your employer.
  • You should expect the commission check to be paid to you on the normal schedule. If not, contact the former employer to get your commission. If you still have no results, contact wage and hour to file a complaint.
  • I'd say you wait the normal amt of time to get the commish check--after all, payment has to clear on their end and all that crap. Sorry you were fired, it sux no matter whose "fault" it was. Sometimes you get dumped "just because". Mortgages's's is a huge huge field, you'll be getting a better and newer and higher-dollar job in no time.
  • I wouldn't expect to get any commission check, unfortunately. But you can check with the City Attorney's office. Did you have any type of contract with this company that states the conditions of employment?
  • I found out, about a week ago that my student loans had been placed into default ($18,000) - The company holding the loans is DCS out of California. To my dismay I found out (according to the woman caller) that they were going to seize my Federal Tax Return, and that if i didnt enter into a Voluntary Payment Program, that they would start docking my pay 15% To date I have entered into a payment plan that is comfortable for me by giving a sizeable downpayment. Here is my ultimate question: This morning I checked my bank account, and to my surprise my federal tax return had been depositied. Once it is deposited can this DCS company still take it away from me? Did they not act quickly enough? Can I be happy about this money, or can they still come take it away from me? Or - Was this all just threats on her part to get me to volunteer to pay? I understand that LEGALLy they can seize your returns and garnish your wages, but they didn't. Any help would be amazing. Thank you!!!!!
  • They can seize it if it is in default. Since you signed the agreement, it is no longer in default since you are making timely payments. So the check is all yours
  • Yes they can take your Federal Tax Return if you did not enter into a repayment plan. Since You did enter into a repayment plan that is acceptable to both parties they will not take your Federal Tax Return or start docking your paycheck by 15%.
  • Kissmy Is spot-on with their assessment. If you are not in default, then they cannot seize. They have to have gotten a civil judgment against you to garnish anything. If they had not gotten such a judgment, then all the caller was saying to you were idle threats to get you to pay up. Evidently it worked...
  • It's a good place IF you can afford it. I got accepted in there back in 2002 or 2003, but I couldnt go because I couldn't afford their tuition per semester. It was like $2,500 per quarter for their PI ( percussion) program. I didnt have enough money at the Student Loan signing so I and to back out. I think it's a good school overall, but you just really need to to have the cash to go there...that's all.
  • The house is in NH, and owned by both hubby and wify and both names in primary mortgage and title. Wife and kids live in the house, hubby lives in Ca. Can hubby takes "line of credit" against the house with/o wify know? What happens if hubby did? Will the wife and kids be kicked out if hubby defaults on this" line of credit?"
  • Every reputable mortgage company in any state will require that all people on title to a property sign a loan agreement. RESPA requires proof that the people siging the loan papers are who they say they are. If the loan is foreclosed, yes everyone will be evicted eventually
  • Discuss this with the attorney who will handle your case. In order to keep a vehicle in a chapter 7 filing, you have to be current on the loans anyways. If you qualify for the chapter 7, they will notify the creditor of your filing and yes, you will need to sign a reaffirmation agreement, which should be sent to the attorney handling your case in turn they submit it to the lein holder. You need to verify all of this with the attorney. You can find out more bankruptcy information on www.usbankruptcy.gov Good Luck!
  • Talk with your lawyer
  • Hopefully somebody can answer this for me. I had a strong interest in becoming a Public Notary in the state of California. I am 27 years old, after serving 8 active years in the Navy I just recently got out. I am a full time student now getting a college education, but would like to do this on the side for some extra money. Can somebody please help me or give me more info! I am also looking for a good paying job and I think being a Notary would look great on a resume! Thanks!!!
  • It's actually really easy. You can do it on the internet I believe or you can sign up for a class, I thinks it's a one day class and at the end they guarantee you your notary. I think it's anywhere from $50 to $200, depending on what kind of notary you want to do. Good luck. You should be able to make some money if you know the right people, if you can get yourself hooked up with a loan officer or real estate agent or something you'll have plenty of work.
  • No conviction, no felony charge--no worries. Just apply, they will let you know if you are denied. You won't have a problem, you weren't convicted hun, we all have a record of some kind--..as long as there was not a conviction, your good.
  • Hi, I am 21 years old and I live in california. I was wondering, can my parents co-sign an apartment for me? I am a full time student, and I have loans. I will get some sort of money but it isnt monthly to show that as a source of income to the landlord. I will be living with my 22 year old fiance. He is moving to california from another country so he does not have a job yet to show that as a source of income. However, he is bringing money with him that we can use in the meantime. We just need a place to stay. Also, in my fiance's papers my dad is his sponsor. Will that be enough for the landlord to give us a place to stay?
  • Legally this could happen. However, finding a landlord willing to do it is another story. While your parents have to pay if you default it is a PIA most landlords would rather skip. The odds of you defaulting are super high. Aside from no income you are also young and in a very iffy relationship. In order for the landlord not to get screwed they have to count on your relationship working, your ability to procure employment, and that the employment be local. Most are going to pass on that, the chances of this ending badly for the landlord are too close to 100%
  • Most landlords would allow a person not residing in the rental unit to co-sign for you to live there. The reason a person would need a co-signer is because they are not qualified to obtain the rental unit because of their low credit score, not credit or no verifiable income. You are placing your father or whomever you would get to co-sign your rental unit. Why would you place someone else in a financial situation if you are not able to pay the rent? Failure on your part not to pay the rent would, cause a negative on the co-signers credit report. You would also place them in a defending themselves legally if you are evicted, the eviction would be on the co-signers credit report, thus lowering the co-signers credit score. I know this this is not your intent, however, you have no means of financial support at present according to your statement. Why would your boyfriend be coming to the United States and have no financial means to support himself? It might be that you and your boyfriend would wait until you are financially able to qualify and is able to obtain an apartment on your own. I hope this has been of some benefit to you, good luck. "FIGHT ON"
  • You will need to find a landlord willing to accept a co-signer for two people without verifiable income.
  • Yes. I could cosign for you if the landlord was willing to accept a cosigner. All the landlord wants is someone who can pay the rent if you can't. Not all landlords will accept a cosigner.
  • The best thing to do is pay the fine. If you don't pay it there will eventually be a hold on the car's registration. You will not be able to register the car until the fine is paid. Go to www.thetollroads.com to find out more. The website explains the dispute resolution process if you want to fight the violation.
  • They do not have the authority to revoke your license, because they have no way of knowing who was driving the car. They do have the license plate for your car. In California what they do is block your registration, so you cannot renew your tags if you have unpaid tolls or parking tickets. There should be clear signs indicating that it is a toll road. All the roads here have signs saying "last exit before paying toll" and "toll road starts X miles" or whatever. If there aren't signs on your toll road, you may be able to challenge the fine in court.
  • Hello, I am suppose to sign and collect my check on a badly needed title loan tomorrow, (after going to triple AAA to get the lien holder added to title) and I can't find the title! I have spent the last few hours destroying my apartment searching for it, and will probably look all night unless I can figure out a way that I can accomplish what I need to do without the title. Does anyone know how I can get an instant replacement? Or what a paperless title is and if that would serve my purposes? If an instant title can't be gotten, how long does it take to get one? Thanks!
  • You cannot get one "instantly" unless your DMV is open. If it is, go there. but...... a title loan is a very bad thing. Do you know how much interest these scumbags charge? Forget the title loan, Find another way to get the money. "When you find yourself in a hole, stop digging"
  • I don't know how long it takes, but here is the process: Download this form: http://www.dmv.ca.gov/forms/reg/reg227.p...Go to this site and schedule an appointment: https://eg.dmv.ca.gov/foa/welcome.do?loc...For more information, call this number: 1-800-777-0133 It looks like CA doesn't really have a fast procedure, so making an appointment and bringing in this form and proper ID (review the appointment website, it will tell you all you need to bring) is the fastest. Good luck.
  • Unfortunately, the DMV does not work by our schedules, so instant ANYTHING from them is pretty impossible to get. Call the DMV in the morning and ask them what to do.
  • You can take it to small claims and sue for the $500. Explain the verbal agreement, that he did not own up to, and did not pay the $500 back. If you have anyone who witnessed any of the conversations between you 2 regarding the agreement or borrowed money, that would help. Any email or text contact works well too. Small claims court has a lower standard of proof than criminal where it is proof beyond a reasonable doubt. You basically have to convince the judge your side of it and any proof you may have only helps you that much more.
  • You can try, but without a written contract, you will not get far, unless your "friend" decides to own up to the agreement.
  • Yes, a verbal agreement is binding in every state and county. The hard part is proving it in court.
  • Of course...but it also depends on when that promise was made as "oral contracts" have statutes of limitations.
  • Good luck with that!
  • Hi, My husband and I has been separated for more than 1 year. I moved out of our house which both our names on the loan. He has been paying mortgage last 1 year for our house. I told him because I have to pay the rent to my parent' s house so I can't affort paying the mortgage. Now he stopped paying the mortgage for 2 months. and traveled oversea for few months It'll be affected to my credit if the mortgage payment is stopped. What's should I do? I can't sell the house without him. But I don't have money to pay the mortgage. Thanks for your advices
  • Honestly, the only way you are going to be able to sort this out is through an attorney. You probably don't want to hear this, but getting advice other than legal counsel would only hurt you. There are organizations in California that help women in need, you just need to do a little homework. The bottom line is you BOTH own the home consequently you are both responsible. When you sign the dotted line, it is a done deal. You are very fortunate he payed up until now. A lot of men would have said forget about it if it isn't jointly payed. I wish you the best, I know it can't be easy for you.
  • Im married and in the process of buying a home with my husband, but since I do not have a job my husband is the only one getting the loan. Now im being pressured to sign a quitclaim because I wont be on the title. I don't feel its right. My credit is excellent and have absolutely no debt. So is it just me or are they (the loan officer and husband) trying to sucker me?
  • Why is there any quit claim involved ? A quit claim is only used if you are already ON title, and you wish to relinquish any ownership claim to the property involved. Your husband, as the purchaser of any property, has the option of including you or NOT including you on the title.
  • Your question makes no sense = you can't quitclaim something that you don't own. You say you won't be on title so there is never anything for you to quitclaim. Is title being held as his "sole and separate property"?
  • The notary's signature and seal do not have to be on the same page as the signature of the lender or borrower. However, a not-so-honest person could claim later that the notary had been taken off of one document and attached to a different document. So the document would be more tamper-resistant if the notary seal and signature were on the same page as the lender or borrower's signature.
  • The Notary's seal doesn't have to be on the same page as the contract signatures. Any registered notary will know how to do this.
  • The document has to be signed in the presence of the notary.
  • Yes you can as long as the title is clean no loans on it from a title place or bank. All you have to do is sign the title over to her and she will have to register it in the state she lives in. Also include a bill of sale that she bought it from you.Chris
  • you need a point of sale. You can get her to sign the car over to you on just a regular paper and ink. With her signature.
  • yes,
  • I believe you're done. http://www.dmv.ca.gov/pubs/brochures/how...*/End of Line.
  • Drive the recently paid off vehicle to the office and say what the heck is this form and how do I fill it out...
  • I recently just paid off my car loan so that my son could have ownership of the car. He needs to be the owner to get his license but goes to college before the title is expected to be here through the mail. Is there any way i could obtain the title through means other than the mail. Could i possibly pick it up from DMV since in California the titles are electronic?
  • the bank or person you were paying on the car has the title. it will be coming from them, not the DMV. when it comes, you will need to sign off on being the owner and you will need to write in your sons name as the new owner. your son will need to take the title to the DMV when he registers the car. they will give him a new title in his name.
  • I recently was in a car accident and my car was totaled. I've received a settlement check from the car insurance company and I decided to use that check as my down payment on a used car. So I went to the dealership and decided I wanted a 2012 Chevy Malibu and I'd put 9000 down. I gave the dealership 100 as a deposit. My understanding of the deposit was to hold the car for me and anyone showed interest in the car they would let me know and give me 48hr to decide if I want the car or not. So now I've decided I want a 2011 instead because the payments would be cheaper and it br easiler on me because I plan on starting school again. So my question is it to late to change my mind? The only thing I've signed is credit check to see if I am approved for a loan. I haven't not given the 9000 down payment yet, but they do have my old plates to transfer to the new car and copy of my car insurance card and copy of old resigration.
  • They will gladly let you purchase another car. If you decided not to purchase another vehicle at all, you would likely lose the deposit. However, if you want to switch cars, there will be no issues at all, and the $100 will go towards that car instead. On a side note, in response to this statement: "Not only that, but even if you had signed the purchase, you still have 3 days to change your mind." You do NOT have 24 hours, 3 days, 10 days, or 30 days, to change your mind. Contrary to popular belief, there is not one state in the entire United States that has a "buyer's remorse" law. Not one. In California, dealers can offer (for a price) up to 48 hours, on new cars only. The only buyer's remorse laws are for what is called an unsolicited purchase (think door to door salesman). Even then, they specifically state that they do not cover automobiles.
  • What exactly have you signed??? When you signed an order kind and acknowledged "subject to seeing the car" then that's one thing. In case you additionally signed a finance agreement then that is another factor. I assume that the finance manufacturer have accredited you and possibly already paid the seller. It is usually viable that the dealer has already settled off the finance in your current vehicle. If this is the case, you are in a large number. If neither of these has happened, i do not suppose the vendor will pursue you as you have not even seen the vehicle but. You need to be targeted that the order form clearly states that you'd simplest go forward after seeing the vehicle.
  • You can definitely change your mind about the car and go for another one. The $100 down payment should be transferred to the other car unless it's at a different dealership, then you may lose the deposit.
  • You can definitely change your mind, don't buy it if you are not comfortable. Not only that, but even if you had signed the purchase, you still have 3 days to change your mind.
  • You can definitely change it, but you'd probably be out of $100, if they try to tell you that you can't they are lying.
  • Since the contract has not been cashed yet, they will do anything to save this deal. So yes you can change your mind. Good luck.
  • I just got ticketed (while on my bicycle) for failure to stop at a stop sign. I'm not going to split hairs or argue for or against myself. I live in California and the officer told me I would receive my ticket in 3 weeks. I am a student WITHOUT help from parents, loans, or scholarships. Can someone please tell me how much this ticket typically costs? I need to start setting aside money from my next paychecks now if I want to be able to pay the fine. I don't know if it makes a difference, but the officer circled that this was an "infraction" rather than a "misdemeanor" on my ticket. Thanks
  • 22450 is $201, though I think the fine went up about $30 last month.
  • The fine should be written as the bail amount on your ticket. It will vary depending on what city or county you were ticketed in.
  • what are some helpful qualities i should look for just to narrow my search. Also since i already signed up for fafsa and i dont have a college savings i will most likely end up geting financial aid since my luck with scholarships isnt going well. What would be the best financial aid to look into. I am a jr. in highschool -16- female I want to go into the orthodontistry field.
  • First of all, you should find out what kind of undergraduate education most orthodontists have - I would guess something in the sciences, but you can't major in orthodontics as an undergraduate student. So, if you plan to go into a science field, look for a school with good science facilities and a good reputation for having their students get into professional schools after graduation. You need to decide if you want to go to a big or small school and what kind of student body (age, ethnic mix, economic status, political bent) you are comfortable with. You need to decide if you are interested only in public schools or if private schools are a possibility, and if so, if religious schools are a possibility for you. You need to decide if you prefer Northern or Southern California, urban or rural. Party or serious school. As to financial aid, your financial aid will depend on your family's financial status. If their income is low enough to qualify for grants, that is great, because you don't have to pay those back. Work-study is also good, because you basically get a job, usually on-campus, for which you get paid by the university. You will undoubtedly end up with some loans, and the goal is usually to minimize these.
  • For financial aid check out: http://www.collegeboard.com/student/pay/...The orthodontist field covers a number of professions from dental assistant to orthodontist. To become a dental assistant a course at your local community college is probably good enough. To become an orthodontist you are looking to eventually get into a dental/orthodontist school. They have very similar requirements to medical school. For that check out: http://books.google.com/books?hl=en&id=N...Nenaifs answer is, as usual, excellent - and I gave it my thumbs up. But a full bachelors may not be required if you only want to become something like a dental assistant. If poissible, I do recocmend you get a full bachelors as it does open more doors. Thanks Bill
  • An LLC will not protect the property. An LLC is a Limited Liability Company used to acquire property under a business venture. If you know you will be going through a divorce I would hold off on buying a house expecially in California. If you buy now, your husband will have to sign a Quitclaim Deed to have him taken off title and I can tell you from experience it isn't easy to do. If you were planning on getting married you could take title a certain way and then once your married the spouse could not take it away. As it stands now, if you buy a house, his name would go on title and you would have to buy him out. You would also have to qualify for a loan if the mortgage was in both of your names. An LLC is legal but not for what you want to do with it. don't even attempt to bypass the law because you will lose your house.
  • You really really need to talk to your lawyer!!!! No advice on this site would be worth the risk!!!!! Your lawyer can add (if it isn't already in the divorce) something to protect your purchase or you may even have to hold off....depends on the law where you are!!!!
  • you need to ask this in law and ethic's....
  • My spouse died last year. He purchased a boat three years ago. I did not sign on the loan, it was solely in his name. The boat was re-possessed after his death. He left no estate. Am I responsible for the boat? The loan company wants $14,000 which I don't have any way of paying. He had been sick 2 years prior to his death and was on disability.
  • I'm sorry, but I believe Terry is wrong. The debt was a debt of the community, even if you did not sign, and the community remains responsible for the debt. However, since you did not sign the contract, it may be that the creditor can proceed only against community property, and not against any of your separate property. You need to discuss this with a probate attorney, who can advise you of the best way to handle it.
  • No, the estate was responsible for the debt. If there was no money in the estate, then the debt is forfeited.
  • Good luck with what he ^^^ said. That never happens. What you need to do is find a dealer in your area that has a secondary finance department. You want to start high, so find a nice large dealership that sells a few hundred cars month and has a nice large selection of cars. Call them and ask if they have a "secondary specialist". He's a pro at getting people that don't pay their bills financed, and you won't have any of those shenanigans. Get your proof of income ready (pay check stubs) and proof of residence (phone bill, no phone no loan) The reason some people get that call is because they deal with someone who isn't a pro, and they do something wrong which causes the finance company to deny funding. That then forces the dealership to call you up and re-sign so that the dealer can keep their high gross profit they made off of you. If they can't get you in, they will come get the car, and the contract will be null and void.
  • they can't take the car back...you signed a contract... I have HORRIBLE CREDIT!! And no one could help me... sooo I went into a dealership and acted like I knew what I was doing. I offered like 4,000 as a down payment and they said ok, even tho I had bad credit... cause money talks, and they want to sell a car... So basically, go into this place with a time limit of 2 hours. You want to have this car within 2 hours. When they are, say halfway through the paperwork, tell the car dealership, you all the sudden have to take your grandmother to her dr.'s apt.... and your cousin was gonna do it but his car just died... she's too old to take the bus... WHATEVER... and you need to hurry up. They'll rush.... they want to sell the car... AND DON'T BE RUDE AT ALL. And act like you have the money. Act nice. Don't let them think they have any reason to deny you. And rush through them through process. But don't make it an uncomfortable rush. Don't make them angry or frustrated or act all fumbly... Afterwards, they told me that I'm not qualified to have this car and I slipped through the cracks.... But there was nothing they could do!! Good luck!
  • I was in this situation also. The only company I could find that was willing to give me a loan was Drivetime. I would not vouch for them with complete confidence, because the interest rates are outrageously high, but the cars are decent and they seem more likely to take a chance -- if you're desperate, it is an option. They have dealerships in LA. They did not pull any of that stuff like asking for more money later, etc. and I have not heard of them doing that to anyone else that I know of. Also, if you do end up going there, if you drop my name on your application, they give me $200 - I'll split it with ya. Let me know if you're interested. Good luck!
  • If you are jointly liable for the credit card debt, creditors can come after you and your non-exempt assets. With the minimal equity you have, you can protect the house with a homestead declaration.
  • You need to sit down with the bankruptcy attorney before you proceed with this, BEFORE any deeds are signed! Do it tomorrow! You are facing many pitfalls, not the least of which is the fact that CA is a community property state. Half of the credit card debt from the marital estate is YOURS as far as the creditors are concerned. And while secured debts are generally not included in a BK, you need the guidance of an experienced attorney BEFORE anyone signs ANYTHING.
  • One can not release an asset to anyone while planning to go into bankruptcy. In particular, giving away any asset to some related person to prevent having it seen as an asset would be seen as unfair treatment of the creditors. However, creditors may choose to ignore this when a high priority claim such as a mortgage is covering most of the value of the asset. But they would have the right to have any 'gifting' of her assets reversed.
  • If those cards are in your name, then yes. If not, then its her debt.
  • any real estate or family law attorney can handle it. Won't cost much either since it is really just a matter of plugging in names and filing it.
  • In June I sign a contract with a finance company in California to pay for my cosmetic procedure. I have since had the surgery, but the finance company sent a check to the doctor that was returned NSF. Now the doctors office wants me to pay for the operation. Can I get out of this contract with the finance company? Why would I pay them monthly when they haven't paid my doctor?
  • Yes. They breached the contract. Get proof from your doctor regarding the check, and stop paying the finance company. Then sue them in small claims for anything you paid them they kept and did not send to the doctor. Start paying the doctor directly.
  • They should send the doctor another check, one that clears this time. If they do not, then they have breached the contract and it's void, but you'll have to pay the doctor yourself.
  • You can go to a strip club and buy "adult entertainment" type products. You are no longer subject to child labor laws. Your employer can have you work whenever they want. There might be some restrictions on that if you are still in high school, though. You can move out, and live anywhere you want. You can sign a contract, including an apartment lease or a loan application. If you don't already have a driver's license, you can get one without the 6 month training period. You no longer have any provisions on your license. You can sign yourself out of high school - you may need to fill out some paperwork to do this. You will be charged as an adult if you are suspected of a crime. Your record will not be sealed like a juvenile record. You can now legally work in pretty much any type of job position, besides bartenders and certain elected positions like President of the United States. You can go to an 18-and-over club. You can purchase and use tobacco products. You can get married.
  • My friends and i all went to the Hookah Bar when we turned 18! You can smoke there and its super fun. If you wanna get a little crazier a lot of hookah places or smoke shops have spice, which has synthetic THC which gives you a cannabis effect. have fun!
  • you can vote. join the military no clubbing unless you find a non alcohol one you can drive when you get a license.
  • 7 months ago I sought out a company for loan modification services. We paid money upfront (I know) and decided to do a short sale on our house. We contacted the company to stop services because of the short sale. They already had completed a forensic audit for us, but had not completed the last phase...so they said we would get a refund of $1250.00. We signed the Settlement papers to get our refund, however we have not received the refund. Now, after contacting the company numerous times, we are not getting any calls back. The company still exists, but will not return any phone calls. Is there another agency or advocacy group that we can contact to get help with this situation. I already filed a complaint with the Federal Trade Commission. This company is in California. Please help. Also...don't worry about reprimanding us for paying upfront for services...we learned our lesson :)!
  • A plus for your efforts so far. Consider a small claim against the company.
  • Some of you may remember my questions a few weeks ago about what to do with my horse if I leave the area for work. Anyway, I think what I would like to do is get someone to ride him, have him on a kind of part loan. My question is, are there people out there prepared to take on an unfit horse (out of work for 6 months), fitten him and then carry on his schooling? I would appreciate a contricution to his keep too, what do you think would be fair for say, 4 days of riding? I'm still unsure as to what to do....gosh this is hard!
  • Here in California, we call it "Leasing". There are several things you should do if you decided to lease him out. 1.) Make the leasee sign a contract and set a value as to the worth of the horse, because if they damage (cripple) or kill it, then they SHOULD be responsible for settling up with you on his cost. 2.) Your leasee, should pay his entire board and upkeep while he's on lease. This means regular vet work, shoeing, board and extra feed. 3.) It is your decision if you want to let them use your equipment, but I would have them buy there own. You can let them use, say his halter and lead and maybe a blanket or two for winter, but the rest, make them buy it. The only 2 times I've had problems with leasing my horses out has been when we were friends and I didn't draw up contracts. One horse got crippled, the other two died. GET A CONTRACT WRITTEN UP and signed!
  • If you are out of the area for work are you not going to be around at all? Will you still be riding? The best option that comes to mind for me is a basic feed lease. The easiest way I've always done this is to have the owner pay for board at the barn of their choice. As an owner, I always demand the right to choose the barn for safety and security purposes. I'll usually have a separate agreement with the barn owner that notifies them that I am the owner but someone else is taking responsibility for horse and that I am to be notified immediately if any issues arise. If board includes feed, feeding, and mucking, I require the leasee to pay half of board bill. If it doesn't, then the leasee is free to choose to do it herself or pay to have it done. Here is where it will get a little sticky for you. Usually I have the leasee pay all farrier, show, maintenance, and accidental vet bills. However, in this instance I think you should be willing to contribute some since you will be benefiting from someone else getting your horse back into shape and continuing his schooling. P.S. Where are you located?
  • I'd be prepared but I live on the other side of the country lol. My friend shares a horse with someone so then they pay half of everything and a few days of riding. If the horse obtains an injury due to the other person they have to pay for 3/4 of the vet bill and my friend pays for 1/4. Charlotte x
  • i did not get to read your other posts, but if you are going away for work and do not have time to pay for the horse and exercise him, there are many people that are looking for what is called a 'free lease.' The person 'free leasing' your horse, would cover all of his expenses, and has full access to the horse, 7 days a week (training, riding, which ever she/he feels comfortable doing). You can choose to supply the horses' tack, or not. Many students going into college that do not wish to give up their horse take this option, as you can have the horse back (giving 30 days notice), as soon as you come back into the area after work. good luck! thoroughbred_eventer@yahoo.ca
  • I would do it just for the experance but I'm not a pro and I'd go to a trainer and take lessons at least once a week with the horse and then 3 days work on each lessons. work it something like that. but there'd need to be a contract spelling out what each party wants and what is the give and take of it all... for example. you want the horse worked with and taken care of while your out of town and the training to conitnue in the area you want. And that person is going to want to lease a horse. so the compromise would be along the lines of you train for this X numbers of days a week, pay for half the up keep and half the lessons (anyone would need lessons no matter how good they were in my oppinion. just to make sure you know there's someone who knows what they're doing with the horse). I'm sure there'd be more to consider, like vet bills or if something happened to the horse. anyway, it's something that would need time and a contract to work out.
  • Yes! I would love to! Is he at livery? If so go around asking the more experienced teeagers ho don't have horses to help you ride him and if they would like him on loan. I know people think teens are stupid foolish children who treat animals like sh*t but they don't"! They are the most dedicated people you will ever see if they have that horsey mind!
  • before i got my own horse i would have killed for a chance to ride. i think you can find the right person for this, there are so many horse crazy people out there, who dont have a horse of their own, your sure to find some one!
  • Depending on stable facilities and such, I would say for 4 days a week maybe.... $160-$180 a month
  • you may want to do a free-lease meaning that the leasee pays for everything for the horse, but not to actually lease, but its still your horse. though you would have to pay someone to train him, thats not their job.
  • Notarizing loan documents at $75 and up is the way notaries can earn a decent living but with the recent downturn in the real estate industry now is not a good time to try this full-time. I'd start out p/t, learn the ropes, make contacts and then see if this is something for you. You can also advertise mobile notary service for non-loan direct notary work.
  • It's "notary public", not "notary republic". Most notaries get paid on a per-document basis, although there's certainly no reason an organization couldn't hire a notary full time, and pay all her related expenses, so that they could offer free notary services to members or customers. My sister has been a notary for about 30 years. Initially, she was working in an insurance office, and later in a CPA's office. Between the fees she pays to the state, and the bond she is required to carry, she's never broken even. She tells me that she's talked to other notaries, and they're not breaking even, either. I imagine there are notaries that are making some money, but I doubt there are very many of them.
  • If you can learn to close mortgage loans, you can make a good living! There are online courses you can take to learn to do it. It's not that hard after you do a couple.
  • I loaned $10700 in August '10 to one of the relatives to help him with a business he was starting. I put together a signed written agreement saying that the loan was to be paid back within 6 months. The deadline came and went without him paying me. A few months later he did promise to return a portion of the loan from the profit that he made. However, he never did. He would not answer my phone calls so I had to go to his house many times trying to reason with him but to no avail. The story with his brother is pretty much the same. I loaned $8700 to him in Jan '11. He said that he would pay me back by April/May. To make matters worse I made the mistake of not putting together a written agreement. However, I do have people that know that I loaned him the money. Could I use them as witnesses? I loaned money to them in large amounts several times before and they always payed me back. At the time that I loaned them the money I considered them my "friends" and honestly wanted to help. I have not spoken to them for several months now because I know it is no use. I finally came to the conclusion that my only option is to take legal action against them. I' am extremely stressed out and definitely in need of advice on how to approach this. FYI I live in California. Thank you all very much in advance.
  • Don't you ever watch 'Judge Judy' or you can go to your local small claims court.
  • Get all your paperwork and information together. Go to your county courthouse and file a complaint in small claims court. Ask for what he owes you plus court costs and attorney fees (if any). You will be given a court date. Then you take that paper to the Sheriff office and pay to have your relative served with a summons to appear in court. Don't miss the court date, it's the only chance you have to state your case. Do the same thing for the second person who owes you money. If you get a judgment in your favor it won't be worth much more than the paper it's written on, because if someone doesn't want to pay you they won't pay you. You can take the judgment, go back to court and get a Wage Deduction Order, which will entitle you to garnish their wages.
  • If you want the full amount back I suggest you do not go to small claims court since they would only be able to award you a set maximum amount. I think this is 5000 or 6000 but is still a lot less than what you are owed
  • You need to talk to an attorney, if they are not in the same state as you. Otherwise, go and file your motion in court. I have no idea about what is the upper limit in the small claims court in your location, so you should call and find out. Then assemble your evidence (your witnesses), because the judge will make his decision based on their testimony.
  • If you have a contract, you sue him for breach. The brother, good luck.
  • I am almost 5 months behind on my home mortgage. They did a question session, said nothing is available based on my answers. They said according to my income versus/bills I have 700 left per month. Should I have told them I had to go across country/plane ticket to help my mom who was in ICU? Or that california hit me with bill/said I owed for 2005, garnished my wages for 2 months totaling $2000, then kept my income tax refund? Help, I think I CAN afford payments now, but now I am so far behind. Also, my payment went up because my property tax doubled, escrow is higher, cushion needed, how can I get help, since they are basically saying not now.
  • I am actually starting a blog on this subject www.Evi-Doc.blogspot.com its a work in progress but it will be up and running soon. Take a look and give me some input. If you are serious about this please contact me at JGoodwin@uldoc.com I am not a lender, and this is not a loan mod or a forensic document review. This is a complete restructure of your mortgage that is equitable for both parties. When you signed your mortgage it was in the best interest of the lender not you. Well, I can fix that. At least let me educate you and show you what kind of options you do have. Thank you.
  • We re modified in Dec, first we got in touch with lender and made copies of everything we pay with acct # on papers, we agreed to pay a certain amount for 4 months then they review situation, then they ask for X amount of dollars to get current. you can also go to re mod place where u can play 2-5 grand and hire someone to go to bat for u, I think this way is better they can negotiate with lenders and sometimes get things reduced very low to property value or some even make some payments go away, we were going to do this then my hubby changed his mind and we did it our selves. Obama has new deal out as well call your lender and ask about home affordable package from Obama this is suppose to get you a lower rate for next 5 years and then it slowly goes back up, but again this is why I would of chosen to use one of those negotiators then can get it fixed for the next 30-40 years. thats what i have learned in this whole mess gods blessings on saving your home
  • You need a fresh start. Let them have the house. At 5 months behind you are tremendously under water. There is a tremendous relief once this debt goes away. Make no more payments and save those mortgage payments for use later on.
  • It sounds like you have had some hardships. Telling a loan modification company something like that can help. You should go to www.loanmodificationsrus.com and see if they can do anything to help you. You can get a free consultation, just so you can see if you can be saved from your stressful predicament. I hope everything works out for, I wish you the best of luck.
  • Hm, who was the question session with? Did you call your bank? try contacting HUD, they can give you some tips and point you in the right direction.
  • We go into today to sign our loan docs on a short sale (yay-only took 5 months...ugg). On the good faith estimate, they are impounding a couple of months worth for insurance but it doesn't look like any months worth of property taxes. I assume that is because taxes are due on November 1st in California and your impound account would start fresh. Then I started thinking.....if this is a short sale, who covered the taxes that were due on Nov 1st? Obviously the seller doesn't have the money but I am sure the state doesn't care. I don't want to get hit with them or somehow get a lien against the property because no one has paid. How does that work??
  • The seller pays taxes until the date of sale, you pay after. You don't need to worry about it. he bank (owner) would have paid for it.
  • Taxes are prorated based on the closing date of the transaction. All taxes owed up until that date is paid for by the seller. All after that date is paid for by the buyer (you). Normally if the lender is impounding the insurance then they would impound the taxes also. You might would want to check and see if your taxes and insurance are being impounded or just your insurance. It could be that your lender is only impounding your insurance, but a check would be nice so as to find out. I hope this has been of some benefit to you, good luck. "FIGHT ON"
  • If taxes are due on Nov. 1, and the taxes have not yet been paid, and you are taking possession of the home today, then obviously you are the one that is going to pay the taxes on Nov. 1. This is a short sale -- you can't expect the lienholder or the cash-broke seller to pay any taxes.
  • The car hasnt been financed yet its been 2 months since i was gona make the down payment in payments now my husband got back and was oh so pissed off on the payments the interest rate etc well the dealer is ready to get the ball rollin and try to get the loan they even instructed me to tell the bank when they call that i make more than what i stated question is can i take it back and how do i go about doing so im in california it was a really bad deal i signed a contract i dont know if that meant anything.
  • "i signed a contract i dont know if that meant anything." You don't know what you signed? If you have signed a contract, then both parties have to honor the terms and conditions of that contract. If the contract says you can return the car, then you can return the car. If it says you need to obtain financing and start paying for the car YOU BOUGHT, then that's what you have to do.
  • I am a 19 year old marine from Iowa, stationed in Camp Pendleton, CA. I have read a few places that I can legally own a handgun if it is transferred to me by an immediate relative through an ffl, since the ffl wouldn't technically be selling me the weapon...My grandfather seems willing to get a handgun in California and transfer it to me so that I will have something to go shooting with when my friends (who are mostly all older than I am) go out. I am just hoping to find some way to legally obtain a handgun sooner than 2 years from now...
  • So just double checking... could my grandfather from Iowa send me a handgun, and would it be legal when/if i can register it? If not, is there a way for him to bring me the handgun and sign a bill of sale, or some paperwork so i can legally register it. I am just trying to keep it all completely legal without the wait...
  • 1. It CANNOT, nor does it have to, go through an FFL. "12072 (d) Where neither party to the transaction holds a dealer's license issued pursuant to Section 12071, the parties to the transaction shall complete the sale, loan, or transfer of that firearm through a licensed firearms dealer pursuant to Section 12082. 12078 (c) (1) Subdivision (d) of Section 12072 shall not apply to the infrequent transfer of a firearm that is not a handgun by gift, bequest, intestate succession, or other means by one individual to another if both individuals are members of the same immediate family. (2) Subdivision (d) of Section 12072 shall not apply to the infrequent transfer of a handgun by gift, bequest, intestate succession, or other means by one individual to another if both individuals are members of the same immediate family and all of the following conditions are met: (A) The person to whom the firearm is transferred shall, within 30 days of taking possession of the firearm, forward by prepaid mail or deliver in person to the Department of Justice, a report that includes information concerning the individual taking possession of the firearm, how title was obtained and from whom, and a description of the firearm in question. The report forms that individuals complete pursuant to this paragraph shall be provided to them by the Department of Justice. (B) The person taking title to the firearm shall first obtain a handgun safety certificate. (C) The person receiving the firearm is 18 years of age or older. (3) As used in this subdivision, "immediate family member" means any one of the following relationships: (A) Parent and child. (B) Grandparent and grandchild."
  • Intrafamilial Transfer
  • Firstly, you ought to be 21 years historic to buy a hand gun. Wait till you are 21, then select up a handgun. Secondly, all hid weapon allows have to move via a Chief Law Enforcement authentic. It's more often than not the Sheriff. Secondly, sure, any crook can move down the city and select up a handgun for two hundred bucks. You can as good. But you are no longer a crook, it is not authorized, and the ones criminals are more often than not no longer sporting them for lengthy as so much criminals turn out to be getting arrested eventually, care not anything for the charter, and do not have a brilliant long term forward of them. While many could like to bring a hid firearm, you'll both turn out to be a legislation enforcement authentic, a bail bondsman, a personal investigator, persuade a pass judgement on or sheriff that you are in worry in your safeguard, do it illegally, or transfer to a state that allows for it. Though, even supposing you do bring a gun round, it turns into extra of an annoyance and suffering within the rear than no longer. And whilst you deliver a gun right into a difficulty, it might readily enhance the difficulty. Not to say, with folks being lawsuit completely satisfied this present day, for those who use it in a difficulty, be all set to be sued by means of a few fool who thinks you should not have introduced it right into a difficulty and used it.
  • I co-signed on a car loan for a former girlfriend who has been paying 2 months behind for over a year now. It has affected my credit so much that I am unable to buy a house now. Can I Iegally repo her car if I live in California and the car is in Ohio? I know I have to let the bank know ahead of time. I also would need a copy of the key. Am I required to leave the belongings in the car on her driveway? Someone familiar with this process please answer. She also owes me $20K and this would sort of be a little way of getting back. thanks.
  • Auto finance is what I do for a living and it depends on how the vehicle is titled. If your name is on the title along with hers then you have as much right to the vehicle as she doe's. If not, what your describing is stealing.
  • Are you on the vehicle title? If not, that would be auto theft. Cosigners have no repo authority - only the lienholder (lender) does. When you cosign, you promise to pay the loan if the borrower doesn't. You don't get interest in the title.
  • you will not have the potential to make him pay and because you have been the co signer you alter into responsible to the economic agency to pay if he won't. i might locate out the place he grew to become into residing, get a sheriff to pass with me and have the motor vehicle taken to the dealership and beg their mercy on you to take it lower back. He can wreck your credit for the subsequent 10 years in case you do not pay . you will in all probability owe greater effective than the vehicle is properly worth, even even though it is going to likely be decrease than the entire value of the motor vehicle. that's recommended to call your divorce lawyer approximately what provisions have been put in place to pay for the motor vehicle if he grew to become into offered the vehicle. it could in actuality be, that he gets to maintain it and you will nonetheless ought to pay for it because grew to become into what you agreed to.
  • You're right. It doesn't make sense, but there it is. I had to pay for my kids education to the tune of 150 thousand for both kids. No free-bees for me. No loans either.Guess I don't qualify since my ancestors have been citizens for 160 years or more.
  • On this side of the pond, they are talking about paying children to go to school. Read this. Students Should Be Paid To Go To School - For & Againstwww.forandagainst.com › EducationCached - Similar You +1'd this publicly. Undo 18 posts - 17 authors - Last post: 12 Sep I believe that children should be paid something for good grades. I was involved in a ... I agree to that! I hate school and it is a waste of my time to go! ... There are some parents who do not have much money. OMG, Paying children to go to school, who's stupid idea was that?
  • It doesn't sound like the right thing to do to me. California is following in the footsteps of Texas and New Mexico. Alabama is doing just the opposite, they're cracking down on illegals and as a result, students seem to be disappearing from the schools.
  • The law is specific to children that were brought to America by the parents. Parents break the immigration laws, not children. Unless you are medieval enough to blame children for their parents crimes. Only a fool would assume that politicians approve of people violating immigration laws. You would also be foolish to blame children for their parents crimes.
  • Billions of dollars a month being spent on a couple of wars and all we can do is ***** about trying to educate someone.
  • ...time to get out the torches, doesn't one think so. The big noses are behind all this, because they're the ones making the money to send to Israel.
  • They are afraid to do otherwise in fear of losing votes ,or having the Mexican gangs hurt them.
  • You don't. Not until the court divides up the debt and property. The lien holder is not a party to your divorce and could care less who's name is on the note. Inform your attorney that you want your name off the lease. Of course, your ex will say no so you had better have something to bargain with. TO ADDRESS TWO ADDITIONAL POSTS: Ownership of the vehicle is determined by the title only. In this case, it could have been a purchase before the marriage and she co-signed. If that is the case, then the truck itself belongs to him as pre-marital property. Only the debt belongs to both of them. HOWEVER, if the truck was purchased DURING the marriage OR if the truck was refinanced during the marriage, then it is marital property. Property statutes are very clear on the issue. A pre-marital asset remains so during the life of the marriage unless it is converted to a marital asset during the marriage. One way for this to occur is to refinance the asset. Whether it be a home, an auto or any other asset, once refinancing during the marriage occurs, the asset is converted (FROM THAT TIME ONLY) to a marital asset. For example, the truck cost $25,000 new a year before the marriage. At the time it is refinanced, it is worth $20,000 and the marriage has occurred. If the truck is refinanced for $15,000 the marital property value to each party would be HIM: $17,500 and HER: $7,500. In the above scenario, the marital debt would be $7,500 each. And while both may have a property interest in the truck because of marital property laws, unless her name is on the title in the following format: HIM OR Her, she cannot unillatterally sell the vehicle. In fact, neither can sell the vehicle during a divorce action unless they want to be charged with a misdemeanor conversion of assets. Based on your additional facts, one more question. Are you also on the Title. If so, how EXACTLY word for word to the names appear on the title? UPDATE: Based on facts I received from our poster I can now tell her that the only way to get her name off the title and loan documents is during the property settlement conference. The truck is a marital asset and as such, so is the debt. I would advise that she give up ownership in the truck in exchange for having it refinanced. How I would proceed is to have him perform the refinance and she will be required to also sign the title and loan papers giving up rights of ownership to the truck. Otherwise, based on facts I won't present here, the court will divide the property. In this case, it is imperative that she ask the court for language such as the following: [ex] shall refinance the vehicle and [plaintiff] shall execute all necessary documents to affect the transfer of ownership in said truck along with associated debt relating to the truck, within 30 days of the date of this agreement. If [ex] fails to execute the transfer in a timely manner, then the court reserves the right to perform one of the following two options: 1. sell the vehicle, satisfy the associated debt and assign remainder debt to [ex], or; 2. order that [ex] relinquish possession of the vehicle and asll associated ownership documentation to plaintiff for sale and debt satisfaction and assign remainder debt to [ex].
  • You have to pay it off or hope that he does . What you get a 3 year lease ? Better hope he doesn't tear the truck up in that time when you take it back any damage on it they will charge you for it.
  • You don't. You pay the truck off, get a new loan in his name with only his name on the title. Or you sell the truck.
  • I suggest you talk with your lawyer NOW about getting your name off NOW because after the divorce you will still be liable for any payments that he doesn't make on that truck.
  • Talk to an attorney
  • In California, the average pay would be $0 per hour - it is only legal to work under 16 in rare circumstances - school program, acting, or in your family owned business, things like that. Other states are probably the same. If you are NOT in one of those states, then it would be minimum wage. The best paid 15-year-olds (in legal professions) are actors and models, then professional athletes, then probably writers. There can be no 15 year old business owners (on their own) because it's not legal to sign contracts until you're 18, so no business loans, no hiring employees, no renting office space. If you don't have talent and your state allows you to work at 15, you might try coffee barista for the tips or grocery store bagger for the union benefits and chance for promotion.
  • Yeah
  • I am a 25 year old female and have been with my 27 year old boyfriend for 3 years now. I have been very happy up until now. Right now I am not happy and it has been building up for awhile. We do not live together. I live with my mom while I finish school and he lives with his parents in a town 40 minutes away. He works in his dad's construction business. He always says he can't wait to live with me. In the past he says he doesn't want to waste money on rent so he is saving to buy a house. But lately I am realizing how long this may take. And I think we should rent together first to see if we can even live together. I think we should find something in the middle of our current locations and start a life together. We need to learn how to struggle a little in order to build a life together. He, on the other hand, prefers not to struggle and wants to make things as easy as possible. He thinks rent is too much and i have student loans to pay off so we should pay those off first. I, on the other hand, feel like we have hit a road block. We live at our parents house and I am sick of it. I want to move somewhere new and start fresh. He thinks it is wrong to move away from family. Recently, I started looking into going to a school in colorado for a semester on exchange with my school in california. My sister lives there and just had a baby so i thought it would be good for me since I've never lived away from my hometown. I love it there and would love to move there one day. I have also always wanted to live by myself and have my own place. Well, I brought it up with my boyfriend and he said I would have to choose him or the semeser away.. He thinks it would ruin our relationship and I would be selfish if I chose to go. I think it would only make us stronger and if I didn't go, i would regret it. I think it is wrong to tell someone that they can't do something, especially in a relationship. What should I do? I am so confused. I love him but I don't think he has the same veiwpoint that I have. Lately we are fighting about the same things, mainly how I don't ever listen to what he has to say or trust what he says. I told him I would never just agree on something if I didn't really believe it. The more we fight about things, the more I am seeing the differences we have. Latley i've even been imagining what it would be like to be with someone new. Are all the signs telling me I should move on? Or is this a normal part of being in a relationship? I am so confused because I do love him, but I do not want to live the life he wants me to live. How do I go about this?
  • You should go, California is beautiful(: Your boyfriend needs to let you have a life, your still young! Live it to the fullest. Soon or a later he will understand or sorry but find another man. Good luck!
  • since this is a california transaction do NOT start by calling a title company. Title does not handle the funding, escrow does. Call the escrow company and ask if the buyers loan has funded. If it has funded then you are in good shape and there is a 99% chance of it going through. good luck!
  • Start by calling the title company and ask if the buyers lender has funded. If it has not, your not closing escrow. If your realtor is not responding to you, check the contract and call the buyers realtor. Things can go wrong until the buyers loan funds. Once it funds, the title company will record the next day. Unless otherwise stated in your contract, you will need to be out of the home and turning the keys over the day it records.
  • It all depends on your contract. When you signed, what did the contract say in regards to possession? If it is the day escrow closes, you have until 5PM that day. Have you gone to the title company and signed? Call your agent (or the title company) and find what the deal is. They should be able to tell you.
  • I am 13 years old and in the 8th grade, and have been working on acting since 9 doing school productions, community theatre and acting workshops (as well as 4 years of choir)(since 4th). I plan on taking theatre camp this summer, and auditioning and applying for MSA (Mississippi School of the Arts) for 11th and 12th grade, and have signed up for a theatre arts class for all my years in highschool. There is a talent agency very near to me, and they mainly support models (they support actors,dancers,and singers too, but only have models) and only have 15 clients total. If I make an appointment and show them what little experience I have, could I still make it? I know I am very young and should wait, but I want this badly! I also will be going to college at UCLA (University of California in Los Angeles). I figure if I can't get a scholarship, and have to take out loans, it might as well be for a school I want to go to.
  • Without some seriously pushy "stage parents", at 13, you're not going to have a ton of experience, and agents can't reasonably expect you to. You've been involve in theater for quite a while, considering your age. If you want to be an actor, though, this particular agency may not be able to help you since they only represent models. It's no comment on your talent or potential - it's the agent's job to further your career, which they can't do if they don't have the skills or contacts for theater/film/tv work specifically. Frankly, what you've been doing is best - community theater, classes, etc. You really don't need an agent if you're not planning to hit the NY or LA audition scene hard at this point (which I hope you're not, if you don't already live near or in those cities). Look at the track records of 99% of child actors - you do NOT want to be peak at 14, believe me! If you want a career in acting, vs. to be a flash-in-the-pan child star, you are doing exactly what you should be doing: building it up over time and making strategic career moves. I'm a UCLA alum, and it is not the best school for acting - it's a great school, super selective and prestigious, don't get me wrong - but it wouldn't be my first choice for an actor. There are literally countless people in LA trying to become actors, and since UCLA is so academically demanding, it will be next to impossible to make time to go to auditions. If you just want to go out to LA and try to become an actor, do that - but not while you're trying to work hard enough to do well at such a tough university, because both will suffer. Of course, what you want to avoid is being one of ten billion people trying to make it in "the industry" (as it is affectionately known in LA). What you want is to stand out somehow. You would be much better off aiming for one of the top acting programs: NYU's Tisch School of the Arts, Yale's theater major, and Julliard. If you have a degree from one of these, casting directors will know instantly that you really can act, and that will set you apart from the masses. Good luck!
  • if your very talented and know what to do and expect when you get on auditions, you should be able to find an agent. a parent will have to get one for you.
  • A LOT.
  • okay so im in kind of a situation here, im trying to sign up for financial aid, i need my dads social security, but he told me i would get denied because of how much money he makes per year. he also wont allow me to get a subsidized loan because i would have to pay it back. he also wont pay for anymore of my schooling because i slacked off for three semesters. i know why he would not want to help me pay for my schooling. will i get denied financial aid even though he will not help me? i cannot afford to pay it back because they will charge me interest. i live in california. he did not claim me for the past two years.
  • Hope to win the lottery, :P
  • 1) It's not your parent's responsibility to pay for your schooling. 2) The financial aid program is designed and intended to help students from low income families pursue college degrees. If that doesn't describe you, and if your father won't assist you, then you're not eligible. 3) You can not apply for financial aid on your own, independently, until you're over the age of 24. 4) Get A Job, and work your way through school.
  • Get a job or three. He doesn't have to pay for your schooling.
  • How close are they? If they don't have anything, you might be better off just forgiving him (he'll have to pay taxes on it, so you can smile about that). If you sue, you might make the rest of your family mad at you. And don't loan money to friends and family members....always give a gift.
  • So what did your lawyer say? Think you'll have to sue the family member. Once you get a judgment you can collect if he has anything. If he is broke, it won't give you any help to get the judgment unless he owns real property you can lien.
  • Sharon has the right answer.
  • community college in california is VERY cheap - $26.00 a unit (credit). I asked my father for his income information and he told me to wait until I go into university (4 year ) because they will give me MORE financial aid and since university is more expensive, I'll waste financial aid at a cheap junior college when I can get it at the university. is there a time limit for financial aid?
  • You should. Unless you have the cash to pay for your schooling outright. (Or have someone willing to do it for you). Yes, there is a limit but it is based on how many hours you have attempted (not on time). It doesn't matter if you recieved finanical aid for those past attempted hours or not and you won't get more financial aid based on the fact you didn't get it before. It is my experience that when a parent is willing to pay for college outright, they prob make too much money for you to qualify for any of the free grants anyway. (not always the case, but usually). If you are considering taking out a student loan because you know your family makes too much for grants, I would do exactly what your Dad is saying and WAIT to do your borrowing for when you are a junior or a senior. Too many kids borrow way too early, before they have decided if college is right for them and end up as dropouts with debt and no degree.
  • Some common symptoms include: Diarrhea that lasts for more than a week Dry cough Memory loss, depression and neurological disorders Pneumonia Profound, unexplained fatigue Rapid weight loss Recurring fever or profuse night sweats Red, brown, pink or purplish blotches on or under the skin or inside the mouth, nose or eyelids Swollen lymph glands in the armpits, groin or neck White spots or unusual blemishes on the tongue, in the mouth, or in the throat
  • Are applicable the Statute of Limitations the ones from the State you are from or from the State where the debt is owed? See, I owe a College 11K, although I am fighting this because I was told I would not be responsible and never signed anything stating I would be. That was in New York, I however, live in California. Also, the College website which I just checked states: "Delinquency of outstanding balances, including those from payment plans, financial aid reductions, or third party billings, are subject to collection by the College or its designated agents. There is no statute of limitations for outstanding financial obligations to the College. Student accounts that are sent to a collection agency may be subject to additional collection costs." Does that mean that the College does not have to follow the Statute of Limitation laws?
  • A college or a student loan is one of those debts that does not have a SOL. It will never run out. (There are debts that do run out though and your right it is called Statue of Limitations) And it doesn't just apply to crimes people, it really does apply to debt, except student loans, child support and back taxes to Uncle Sam. Are you sure you didn't sign something? You need to write them and ask them to prove to you that you owe the debt. If you really didn't sign anything then you might be able to have it taken off your credit.
  • and significant factor is that particular events can "restart" the statute of barriers -- such as making a charge, or sending a letter acknowledging which you need to pay once you've sufficient money to. Is it attainable your ex made a charge in present day times in an attempt to commence paying off that debt? while you're no longer particular it relatively is relatively useful to attempt to ensure. you does not decide to leap into courtroom waiting to grant your absolute protection of SOL, in basic terms to come across a charge in the direction of the debt grow to be made 2 years in the past. additionally, in case you have been in basic terms 17 while the cardboard grow to be issued, you are able to in basic terms have been an "authorized consumer", meaning the debt by no ability legally belonged to you besides (i think of). would desire to be the collector has made a mistake or misunderstood their information.
  • I don't think there are statute of limitations on any kind of debts. You may succeed in not paying for sometime but if you return to that school for a transcript or anything else they can demand payment and deny your request.
  • Statutes of Limitations apply to crimes. Were your debts crimes?
  • I would like to buy a car. It is in good shape and the price is reasonable. I checked the title. In the lienholder part, the financing corporation's name is written(Toyota CRDT CORP). There is one more part in the same section. It is the signature part. It is right next to the financing corporation's name. It says Signature releases interest in vehicle. And it is signed and financing corporation's name is countersigned. Does that mean the Financing corp no longer wants any payment if there is any left over from the previous loan? Can I securely register the car under my name since the financing corporation already signed the title and released the interest? I live in CA. The car has a clean Certificate of title from STATE of CALIFORNIA. Not salvage.
  • It's legit, the lien holder signed in the release of the lien therefore the owner has paid the debt in full. You can go to the DMV and get a new copy placed solely in your name.
  • if the lien shows as released, it's ok. and the lienholder would not have released it, and would not have sent it to the current owner, if it was not paid off. (the lienholder gets the title first)
  • I would go to the DMV with the owner, and when the title is deemed clear and is transferred, then you can hand him the cashiers check/money order for the vehicle.
  • yes the title is held by the leinholder until the note is paid off so if it has been signed off it probably is legit
  • i would take the time to call the dmv first , they can tell you and its better to be safe then sorry..
  • For a legal opinion you need to ask a lawyer. I don't think you need to pay anything if you don't live in the house or you are separated. If you co-signed with her on the mortgage then in this case maybe the bank can come after you, Really there are a lot of vital details (do you live in the house, are you separated from your wife etc) that can decide the answer to this question so ask a lawyer.
  • Check with a good financial planner - California is a community property state and it could be the case where accessing assets in this way after marriage makes you liable.
  • If she has the income to qualify for the fundsalone and IF anyone will touch it with a ten foot pole, and your name is not associated with the loan in any way then no.
  • so my parents dont wanna pay for college anymore however wont sign a loan for me i did a fasfa but i think its too late because my dad is my dependant they want to send me to community for a semester, then transfer back, yet i wont have housing if i were to transfer back hesa, im doing an application for it now however, i just dont know what to do, community will ruin my academic map, which will screw me over even more. the parents reasoning is that i didnt do too well first 2 semesters, and they really wont bite for anything its so messed up, so any advice on how to take out a loan without a cosigner is welcome or anything really
  • Why don't you want to go to community, it's twice as cheap as university or private college, and they usually work with you better than big colleges. If they are going to make you go then sign up for grants, also there is this thing (In California, they may have it in other states if you don't live there) called 'The Board of Governors Fee Waiver'. Usually the community colleges have great Financial Aide offices too so just check in with them. Also FASFA for community colleges isn't usually due until September, and being that I'm a dependent myself I've learned depending if you work or how high the tax ratio is in your county it usually determines how much you get for school. BTW Loans are not a good idea, your parents probably won't sign for one just to keep you out of debt. Be grateful they are doing this especially with the way the economy is right now.
  • Hello and in advance thank you for your help. My wife and I are still in the process of divorce, only the final uncontested paperwork needs to be filed, as she did not respond to the filing. I filed for divorce a little over a year ago. We agreed that I would quit deed the house over to her under the conditions that she refiance the house under her own name. The mortgage company instructed us that this would need to be done to process her as a sole person on a refiancing. I quit deeded the house, my wife tried to refiance but was denied. Since she could not complete the agreement I asked her to quit deed 50% of the property back to me; however she refused claiming that it was now hers depite her inability to refiance and my ramaining on the mortgage loan. My divorce filing clearly states that she was to refiance the property in her own name and relieve me from any financial liability as a term of the agreement. The divorce is still not complete. How do I alert the court that she di dnot complete her part of the agreement and have the property now divided 50-50%? Do I need to submit an admendment to the FL100 or do I reflect the noncompliance on the uncontested judgement and request the division of property?
  • Unfortunately, it seems trying to do it yourself has not been successful for you. This is why a lot of people run into problems in a no lawyer divorce. You should have waited to sign the quit claim deed to her until the day the Judgment was being entered. You signed the deed and now it is effective. You can bring a Petition before the Court for a Judge's Deed alleging her Contempt of Court for not complying with the Marital Settlement Agreement. But that may not be successful as the Marital Settlement has not been approved by the Court yet and not yet incorporated into a Judgment. As I am often in Court call my assistant Dan London at 312-807-3990 to set up a private telephone consultation. At the consultation we can discuss the confidential details we need to craft a strategic plan. These details should not be broadcast over the Internet.
  • you need to talk to attorny about that...okay
  • Dawn of the zombie, Obama was warned by accountants and financial experts about giving this loan, it wasn't like he couldn't see it coming. There are solar companies that have been in business for a decade, and no signs of bankruptcy. At least they lasted longer than Solyndra, in spite of a 500million loan.
  • Probably for the same reason so many people think that embryos are the ONLY way to harvest stem cells...The two big labs leading the charge of embryonic stem cell research just happen to also be in Northern California....and big donors to Diane Feinstein and Nancy Pelosi...
  • Understand that the purpose of investing in research is not to make money back for the federal government, or even to make one party look good or bad, but to stimulate innovation and industry. Solyndra failed, on that there can be no argument. That doesn't invalidate investment in R&D. I'm sure Apple had a ton of projects that never saw the light of day, just in order to come up with an iPhone.
  • lol... so you're saying that YOU KNOW when a business is bad and when one is good... and that you've never made a bad investment? you should really just be a day trader and play the market, you'll be a billionaire in a week... short of you being some MAGICAL business genius... THAT'S why... because sometimes you take a chance on helping some companies... and he's given MANY, MANY GRANTS to many, many companies...
  • Because they buy solar panels made in China?
  • Oh thanks I had a feeling he needed to be there cuz I needed him to be off the loan and had to refinance it through under my parents name, but since that is not going well my only option is repo right now. 2 payments are past due already and I don't think ford credit can hold my refinancing thing any longer. My credit is already ruined so I dont care much for it anymore. I just wanted to know if he had a right to disagree with me if I wanted the car to be repossessed.
  • If your car has been repossessed I am surprised they company that wants the money hasn't started to bug him for it? Usually that is the whole point of a co-signer. More than likely you will have to have his signature to sell the car. You try it without it..but I know when I sold my car I had to have my husband sign off too.
  • Hello! My question has to do with a car repo. My sister-in-law co-signed for a car to help someone out and this person never made a payment from day one. The car ended up in a wreck and later was repossessed. Well, the bank ended up trying to sue her for the remaining balance and the person she co-signed for turned their back on her and act as if they owe nothing. She has been making the payments on the car so she doesn't mess up her credit. She recently found out the car was sold out of state and now is impounded in North Carolina, we live in California. They are going after her for impound fees because the title was never changed. What can she do and is it legal for the bank to sell the car and not ensure the title was changed?
  • yes its legal to sell the car to recoup any losses from the bank however the funds from that sale have to be put towards the balance due on the car which by the way she does have to pay for because she stood for the bill ( a harsh lesson I'm afraid and an expensive one) her recourse is this, talk to a magistrates lawyer, she can file a claim herself in small claims court for the repayment of the loan that she's paying on by suing the person she signed for- she'll win- the next step is to petition to have their wages garnisheed, and its no less than the car lot would do to her. If the people in the Carolina don't listen to tell them to get checked, they have no claim and the only recourse that they have is to resell at an auction and use the capitol to pay the bill, she is no longer obligated and needs to tell them so in WRITING not just on the phone. You're dealing with some ruthless and scary people that have a job to do just like the rest of us. To keep them from calling issue a CEASE AND DECIST order have it sent by registered mail then they have to leave you alone. And if your sick of paying the bill then don't, notify Equifax that you have a comment to add to your credit history and when you fill out the paper work tell potential creditors that this was an obligation that was a favor turned sour. If your dealing with a buy here pay here place, tell them to leave you alone or you'll see them in court. Push the dollar- they will- they will sell that paper as dead credit to another company that buys those types of accounts for pennies on the dollar they will get their pound of flesh but if you push it and make them think they have to shell out more to drag you into court they'll likely leave you alone and it evaporates( they sell the paper to someone else. Now if you get served- call up the creditor that bought the paper that filed the summons and get to haggling' offer low ball and work from there, remember they don't have the original amount invested to begin with and the credit collection agency has scootchin room . The lesson from this is when shoved, shove back and next time don't put yourself in a place to get shoved in the first place
  • She must pay whatever the bank says she owes or her credit will be ruined. Yes, she owes impound fees & storage. Also auction fees. The lender will deal with the title. Bottom line is she has to pay, work out arrangements or her credit will be ruined. Welcome to the wonderful world of cosigning. All the downside with none of the upside. Consider it a very expensive gift.
  • 1. Get an attorney to help resolve the situation. Possibly attempt to sue the person that they co-signed the car for. 2. Why would someone EVER co-sign for a car.. knowing the economy sucks. 3. They are probably screwed.. hence why I would NEVER co-sign for anybody other than my children. GOOD LUCK :/
  • Your previous problems with your vehicle will only effect your credit report. Has nothing to do with your driving record or insurance. There won't be any "fees"---unless, you have to finance through a bank. Then, I can tell you now, you will not get financed. In the banking world, you would be considered a risk. bottom line: If you are paying cash---you will have no fees. You can put this vehicle in your name. Your previous problem will not effect your insurance rates. Hope I helped you.
  • I really love UCSD but it is extremely expensive. I think I should get a scholarship there for my swimming and academics, but it will still be expensive. They have one of the better engineering programs in the country which is what I plan to go into. Also I love the campus and everything about San Diego. I also come from a poor family with divorced parents. Do I risk the possible student loans debt for a university that I love and could compete at?
  • Have you been accepted and given your student aid package and signed a letter of intent to swim there or are you just dreaming right now? Step one is to apply. Step two is to have your parents fill out the FASA form. Step three, fallout your NCAA eligibility forms and work with you coach to be recruited. Step four is to get admitted and an offer for swimming. THEN you decide once you know exactly what you'll have to pay.
  • I work at in the collections department of a title loan company. Today we were given this memo that we must sign: "All hourly employees on the first floor are not authorized to use cellphones for any reason other than for emergency situations. In case of an emergency situation, you must have authorization from management to use your cellphones" (no space between the two words). "When given authorization you must leave the floor to use your cellphone. Only personnel that conduct business via mobile devices are permitted to use these devices on the floor." Not only is the fact that they cannot even spell "cell phone" correctly" diminish my respect for this order, but it's difficult to believe the facade of seriousness and professionalism when the work culture is so ghetto that they play sexually explicit reggeaton and hip hop very loud in the office. I am not against music played low at one's desk, but sometimes it sounds like a party in there, and the managers themselves do it. This will not be forbidden; but cell phones will. Now, forbidding a cell phone completely and demanding that one ask permission in an emergency sounds too elementary school to me. We are required to sign this paper and turn it in to our manager. I do not want to sign it because I do not agree. I have everything in my cell phone: calendar, notepad, schedule, to-do list, everything. And yes, I occassionally indulge in a text or two when I need a breather. I think at my age, I am old enough to know when I need a breather and do so responsibly as a way to recharge one's battery and continue work. Yet, this rule feels so much like elementary school.
  • You have a choice, you can continue to work at this place or you can play with your cell phone or cellphone whenever you want. The employer has a right to set a policy, and if you "go around" it, you will find yourself disciplined or fired for it. You don't have a legal right to use a cell during working hours. The company is being reasonable in allowing use during working hours. In fact, back before there were cell phones, most companies had policies against personal telephone calls during working hours, except for emergencies, for the lower ranks of employees. You have to decide which is more important to you. However, most companies aren't going to let you play with your cell when they're paying for your time.
  • 2
  • It doesn't matter which state you are in! What matters is your company's policy on cell phone usage. Technically that means to be speaking on the telephone, does it not? The company doesn't care what applications you have stored in your phone or how much you depend upon the information it provides you with during your work day. Before you sign the order...and you will sign it, clarify the situation with your manager. Be good enough and fair enough to discuss the additional uses of the cell phone as they apply to your work and listen to what he/she has to say. You cannot buttress your case by pointing out a simple typo or spelling error. You also have several errors in the question you've written above! It may be too "elementary school" to you but you can bet it was the actions of employees that drove them to this order. Are you willing to lose your job, especially in today's marketplace, for protesting or not signing off on this order? At your age, you should know better!
  • You have two choices: 1. violate policy and run the risk of termination if caught. 2. use your cell phone on your lunch break. Since they don't want you using it in the building, you will probably need to plan going out to your car at lunch. This policy was put in place because some one abused the privilege of using their cell phones at work. As a result, this policy was put in place. Their spelling of "cell phone" does not change the force of the order. It does not matter if you respect them or not. If you want to keep your job - you follow the order. Period. If you don't mind losing your job and being fired for cause, by all means violate the policy and take your medicine when caught.
  • If you wish to maintain employment at that company abide by the policy - simple as that. You have no legal entitlement to a cell phone on company property. You can certainly leave your cell phone off and stowed away or in your car and indulge in your text messages on your company allocated breaks. The company is paying you to perform a job, not text message and take personal calls.
  • Man up and do what you are told. Your job requires you to be working, not playing on your cell phone. You also gave a list of things on your cell phone that can wait until your lunch hour or after work. If you cannot yield on such a trivial little thing, then you are going to be looking for a job the rest of your life.
  • If you don't like their policy regarding cellphones (and that's an accepted way of referring to a cellular phone), then you can hand in your resignation. They're entitled to have whatever cellphone policy they want. With regards to the emergency calls, they may not in any way shape or form prevent or discourage you from calling 9-1-1 in the event of an emergency. You do not need their permission to call 9-1-1. Lots of businesses that deal with loans and identity information will restrict the use of cell phones or any other method that could allow their employees to copy or relay any personally identifiable information to someone involved in identity theft as it would leave them liable for the resulting damages and a mongo fine from the government. If they are playing music with sexually explicit lyrics, that could be cause for a sexual harassment complaint. edit: What you may want to do is right up an alternate policy memo and provide it to them with the recommendation to use it instead of the one they came up with.
  • They wouldn't make this rule if it wasn't already a problem in the workplace. Maybe you should consent to the new rule, and if it's that big of an issue for you, start looking for a new job. It really isn't a big deal, you can use your phone on your breaks. Most work places don't allow you to use you cell phone all day.
  • feel free to find a new job then. They can set any type of rule, you can sign or not, they can fire you............how hard is that to grasp. Just as an aside, if you are caught on the floor with a cell phone where I work it is either a write up for the 1st time...2nd time instant dismissal, so go figure they actually want you to work and NOT be on your cell phone when they are paying you..........
  • Quit. How dare a company expect it's employees to obey a policy and devote their full attention to the job
  • i was a silent partner and supposed to get pay monthly..but after a few months, my partners (husband & wife) sold the business with the same amount and now ran away (don't know where-they also scam a few other people). the Husband is not a us citizen yet and will be soon. how can i report them? or sue them? i have all their id, ss, etc information. outstanding loan amount is 17000 not including interest (not qualify for small claim court).
  • You need to hire an attorney. Hopefully you have a SIGNED, VALID contract. Their information will do you no good if you didn't enter into a legal contract with them. (you said he's not a US citizen yet - so I really hope you have a legal contract) An attorney can run a simple background check to determine where they are and then he can proceed with the lawsuit. *
  • I suggest that you contact your states attorney general, and put your questions to them. You will get the best advise, and a legal solution. http://webintel.mobi
  • My friend wants to buy a house in California (they were married in Mississippi) without her husband's knowledge. I use to be a loan officer in CA and I told her that she could only buy a property in CA as her sole and separate property if her husband signed an acknowledgment. She said that her attorney told her differently, and that he wouldn't have claim to the property because it was not purchased with community money. She also stated that he has not filed the marriage certificate after the ceremony, but it has been signed. So my question is: When does the marriage actually become legal...at the ceremony, when the license is signed, or when it is filed? Also, if she bought the property now even though the marriage certificate has not been filed, could the husband claim half of the property???
  • uh..no filed certificate; the state has no legal record the marriage took place. IN addition, they do have shelf lives; most counties require they be filed in 90 days. They are not yet legally married. Keep in mind once filed, the wedding date on the certificate is the official date of the marriage
  • Why do you think her lawyer is wrong? If she buys the property with her own separate property (and if they were just married, it is likely that all of her money is separate property), it remains her separate property--she does not need any acknowledgment from her husband. So it does not matter whether or not she is married.
  • It is not a legal marriage until filed at the county courthouse.~~
  • If there is a marriage certificate and the marriage was completed by they having sex, they are married.
  • The moment they say, I now pronounce you man and wife...
  • i "bought" a car on 1-22-09, at my bank. well i bought it from a kid with a loan through my bank. we both signed the title and my bank said they had to send the money and the title to gmac to get the lean takin off of it. well its now 2-02-09 and i still do not have a title there for unable to regester and drive my car. WHAT CAN I DO? im paying a car payment and insurance, i have it. but i can not regester. how long should this take for the lean to be takin off so i can have my title?
  • It typically takes banks and lenders about 5-6 weeks. They are very slow. But you can get a registration right away (at least in California) Form REG 227 is Duplicate Title form. Buyer and seller fill it out as if it were the title. Include odometer reading on REG 262. Get it smogged. Pay transfer fee $15 and Use Tax (about 7.5% of value of car, depending on county) The DMV (or AAA Auto Club) will "RDF" for the title...meaning they will not complete the transfer until the title is received from the lender and you return to the DMV with it. but in the mean time you leave that day with a registration that has your name on it as legal owner. Seller should sign a Release of Liability.
  • Call the bank and ask them!
  • This happened in California. So, here is what happened. It was late at night and my mom wanted me to move the car out of the garage so my grandma and aunt could park their car in our garage. I go to park the car in our complex and stop at a stop sign (still in our complex - never left the complex). A car who had just passed me decides to reverse and hits me. No police were called to the scene and no report was filed. They admitted fault and I have a text and email from them stating they will pay for the damages out of pocket if the cost is less than $500 (their deductible) or file a claim for their insurance to fix the car (so they have incriminated themselves). The cost to cure is probably over $1000. A few more facts. The car is financed under my name (to help me establish credit). The car is covered under my moms policy. I do not have insurance and I was ONLY driving it in our complex to park. With this said, I want to know what I could be cited for. I've heard my license can get suspended (6 months to four years) and I might have to pay a large fine. Is there any truth to this? If so, to what extent? Feel free to include sources so I can read further into it.
  • Just as a side note. The other drivers were very nice. The crash did not cause any injuries to anyone. It couldn't have been more than a 3mph collision as he was reversing and I was stationary. I'm more concerned with the DMV getting involved and having my license suspended, fines, and it show up when I get my own car and insurance.
  • You do have ins if it is covered under your mom's policy. You did not say what kind of a DL but you were on private property. So you should be OK but even if you had to pay a fine it would be small. "Don't worry be happy"
  • Honey you're covered. No finance company will loan money on a car that doesn't have full coverage. Your name is on your mom's policy. Now were you driving on a restricted license, or a learners permit. Then you may have trouble with the DMV. If you receive something from them, you have the option of a hearing. Your mom can also go with you. Don't freak yourself out. It may turn into nothing.
  • Basically, at first impression, they would not say that they will sue you or ask for claims at you. It only makes it difficult because there were no witness that time that it was there fault and not yours. Sometimes, injuries happens after the accident took place (Auto Accident Injuries: When you least expect them -- http://www.virginia-personalinjurylawyer.com/2012/04/auto-accident-injuries-when-you-least-expect-them.html) or may be those are just pranks and want to extort money from you. Talk your situation with someone who knows best like a lawyer or tell that to your mom and see what can you do together.
  • My mom and I took out a loan for $20,000 against a house that was deeded to her in California. The "Full Reconveyance" document issued by the bank states that I "acquired title as" my mom. At the time, I also signed an attachment stating that I executed "this instrument only to subordinate any interest [I] may acquire including without reservation any homestead rights..." I'm assuming that the reconveyance does NOT (by default) entitle me to ownership in the house, but since I am not an expert, that is why I am asking. I recently had the County Assessor run a title search, and the data sheet showed my mom as the sole owner of the property. Please advise. Thanks!
  • No, it is still your mom's.
  • Debts die with the debtor. If you co-signed a loan with your parents, you would still have to pay it, but not any other loans. Any money or property left in the estate would be used to pay off the debts before the estate would be passed on to the children.
  • If you co-signed a promissory note or if you are jointly and severally judgment debtors, you may have a debt after the death of a parent. Generally, however, a debt owed by a person at the time of the person's death may remain a debt owed by that person's estate. It would mean that heirs would have the inheritance reduced by the amount to be paid to the debtor. Other than that, I cannot think of any debt that passes to a surviving offspring.
  • I'm in the process of getting this one offer of $150,000 accepted for a short-sale small 2 bedroom home in Norwalk. The house is in habitable conditions but needs cosmetic work. The neighborhood is not that great but I don't plan to live there. I am planning to rent it to someone. Does it sound like a good investment? What would you do in my situation?
  • what do I have to compare it to? if yo are seeking RE as an investment only, I would buy fix up houses for dimes on the dollar
  • If you've already made an offer and it's accepted, you've made the deal. The research into whether it's a good investment should be made before you make an offer. Visit some real estate investing sites online or go to a bookstore and do your homework. Are you sure you're cut out to be a landlord with all the headaches that go with it? Do you already own a home? If not, you shouldn't be investing. Get yourself a house or condo first.
  • Financial institutions will definitely not finance a automobile with a salvaged title. However, dealerships can if they desire. The terms are absolutely ridiculous though. It sounds like you may have learned this the hard way. Sorry bud. Live and learn.
  • get your "ex" and splain him what to do/if he gives you a hard time/get somebody elses "ex" and take him/write out an agreemnet with your real ex first and get him to sign it/ i (his name) have no further interest in (put vin number) this car/ sign it and date it and try that
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  • All you need to do is have the ex sign the title over to you. Then, you can title it in just your name.
  • No, the "AND" means you will both have to sign for make any changes on the vehicle. "OR" means either could. You shouldn't have put it "AND" in the beginning.
  • sounds like a government bail out situation
  • First, the term "incompetent" has a very specific legal meaning. Someone who is incompetent cannot file a lawsuit in their own right. If the person was incompetent as a result of age, then their parents file the lawsuit. If they are incomptent due to mental deficiency, then their legal guardian files the suit. In either event, it is the dealership, not the salesperson, who is sued. The suit would ask that the contract be voided as a result of the buyer being incompetent to enter into it. Richard
  • Who would which party sue? The company making the loan could sue the buyer for lying on the application. It is doubtful if the buyer could sue the salesman unless they can PROVE that said salesman knew he/she was incompetent. Incompetency is a legal concept that is not established until a court orders it so. So while an outsider might consider a person incompetent, the salesman is entitled (indeed, even required) to assume an adult is capable of handling their own affairs unless he has clear evidence otherwise.
  • I would say the sales company itself, but I would contact your local courthouse to find out the [correct] answer lol. Good luck!
  • My mom co-signed on a car loan for me through a financial company 5 yrs ago; she then chose to pay it off and have me make my payments directly to her last year. We had a verbal agreement of what my monthly payments were and that if I didn't make them the car would in fact, be taken back by her to sell. Soon I lost a major portion of my income and was unable to make full, consistent payments. I sent partial payments that were sometimes late and some months I was unable to make any payment. I kept in open communication via email & phone to let her know what to expect. She would respond neutrally, mostly not addressing it. She recently sent me a certified letter after a fight telling me to pay her what is left owed to her on the car or to return it to her to sell. She also said I would be responsible for the difference (if any) if the car did not sell for what I owed her. We have no signed contract at all; and definitely no verbal agreement saying I would be responsible for the difference if the car was taken. I relinquished the car to her; there was some small body damage and the check engine light was on. She sold it to her friend for less than what was owed because of the damage; the car did not pass smog and now she wants me to pay for the difference and to fix it to pass smog. I say hell no, that's her problem now. I live in California and from what I can tell I'm no longer responsible. She wants to take me to small claims court and I feel confident she has no case because we did not have any agreement that I would pay the difference if she sold the car. She's under the impression that she has the same rights as a financial company because she is lien holder on the title. Is this true? Is there an unspoken agreement that she is exactly like a real company? I figure even companies should have to tell you all the rules up front and not spring it on you later.
  • I am not trying to "escape" responsibility, I simply do not believe I am legally responsible. I never chose NOT to pay her, I couldn't/can't and that's why I gave it back. Per our verbal agreement that was the consequence for not being able to make the payments. What stops her from selling it to her friend at a discount and coming to me for the rest? She wants to go on Judge Judy because they will pay for the judgment if she wins. P.S. my mom is not an honest person & she used the car to control me for the last year.
  • Just as with a bank if it were the lien holder, pay your mother.
  • Actually, the only dishonest person in this story is YOU. As a debtor, you have the legal obligation to maintain the car, and if you dont, and your mother repossesses and has to sell at a loss because of YOUR negligence ( disrepair and physical unfixed damage), YOU are responsible for the difference in what the car was supposedly "worth" ( NADA blue book or some other standard) and what she had to sell it for because of YOUR negligence Sorry kid... no matter how many times you ask this question expecting to hear a different answer, it is YOU who is at fault here. Sack up and pay the debt..
  • I simply do not believe I am legally responsible. Believe whatever you want, you are responsible for paying regardless of your beliefs. But if you keep posting the same question in enough categories, perhaps you will finally find someone who will agree with you and you can then feel vindicated. Again, she had the right to take the car, and add any expenses she had in doing so to the balance, and whatever is left after the cars sells at auction is yours to pay.
  • Imagine that. A mother who actually expects her offspring to live up to the letter of the law. You owe her the money. You are lucky because you are learning responsibility and that there are consequences for one's acts. You should have learned that at a younger age but better late than never.
  • Its no longer likely she will have the potential to honestly take you to courtroom and if she does, it would not propose she will have the potential to win. Its as much as what the decide believes. Plus, purely because of the fact she wins would not propose you may pay her. Its as much as her to collect. For all functional applications, you lost the automobile and that stands out as the tip of it. it could fee money for her to sue you. Its no longer certain she could win and whether she did, how could she assemble ? you're effectively judgment evidence via no longer having any materials. in spite of the undeniable fact that, in spite of the shortcoming of any written settlement or way for her to rigidity you to pay, you DO owe her the money, purely as in case you owed it to a economic enterprise. Morally, you may pay. whether she never sues you and you never pay her yet another dime, you nonetheless owe her in spite of any workplace work. Its assumed that for the duration of the form of a default, the defaulter, that's you, could owe the version. And its achieveable a decide could even agree along with her in spite of the shortcoming of workplace work. identification say its a 50-50 shot because of the fact it could flow the two way. He could say, considering the fact that she became into smart sufficient to place herself down as lien holder she could have standard to get something in writing. yet he could additionally say you have got assumed it purely an identical. the bigger and extra significant subject is your dating which incorporate your mom.
  • Her "impression" is correct. If your mother is legal lien holder (not just a "verbal" or "unofficial" lien holder), she has every right that any other lender has to pursue recovery. The fact that she's your mother is legally irrelevant.
  • My aunt agreed to cosign for a car for her sons girlfriend. The girlfriend agreed that only she would pay for the monthly payments. The family has had a falling out and now the girl is using this against my aunt and is saying she can't pay the payments even though she does have a job. My aunt is more than likely going to have to make the payment this month and will have to continue paying it every month from now on. My aunt is extremely angry with the situation and does not want to continue to pay for a vehicle that someone else agreed to pay but she doesn't want her credit to be ruined so in her mind she's stuck. Legally, what can my aunt do in this situation? Can she take the posession of the car from the girlfriend to pay it off herself? Our family has had no experience with this type of situation so we're kind of at a loss. Oh and we're in California. Please help!
  • I just wanted to add a little more info to anyone who wants to answer the question. Thanks to the three of you who already answered. Yes, my aunt and the girlfriends names are both on the title. The remaining amount on the car is $14,000 and my aunt can afford to pay this off but she wants to be able to be in sole posession of the car with only her name on the title so she can sell it as soon as she pays it off. She knows she's going to have to take a loss when she sells it but doesn't really care.
  • the only thing you can do is sue her (civil suit) but otherwise when you co-sign, you are legally saying if the primary signer doesnt pay, you will
  • This is the problem with co-signing. The fact is when she co-signed in the eyes of the bank she DID agree to make the payments if the other person did not. As to if she can take possession that may depend on the exact situation. She should be on the title, but as a Co-Signer it is probably listed as <person 1> AND <person 2>. This means that even if she was able to take possession she could not sell the car once it was paid off until the other person signed off the title also. And from what you have described this may be a problem. One thing she can do is to make the payments on the car and then take the girlfriend to civil court to get her to pay your aunt back. Depending on the amount she may be able to handle this in small claims court. If she is unable/unwilling to make the payment then the court may order her to turn over the car.
  • my advice: Report it as stolen. have the police go and collect it. they'll contact your aunt. she may need to pay some money for the car though (less than $100) the worst that can happen with that is that the girlfriend will tell the officer that it is her car, he would ask for the registration, etc. and yeah. no harm in trying. also, can't you have your aunt remove her name? OR ask the company if they can just repo the vehicle. just say that your aunt doesn't think she can afford it, and would like to give the vehicle back. give them the girlfriends address and say that she wants to take over the payments. you could have your aunt ask if her name can come off the paper work. and the most immature but efficient one: have a locksmith come and unlock the car when its parked somewhere (outside her home or work) when you know thw girlfriend won't be coming out of soon. pop the hood, remove the battery, and depending on how much you know about cars, the alternator needs to go as well. and take the license plates off. the battery and alternator will not allow the car to move. or turn on. no power. she'll have issues with driving the car then. she'll get pulled over, possible ticket, she will get a ticket for the car being parked without plates. you could also take the steering wheel for good measure. my ex and i did this to each other (the last reccomendation) when we broke up and had co signed on a car. in the end, we just had it towed to the dealership and discussed the matter with them.
  • Basically her only real option is to take the girlfriend to small claims court. She may want to speak to a lawyer to see if there is any way for her to get possession of the car. She should NOT make a false police report stating the car was stolen. There IS harm in trying. Making a false police report is a criminal offence.
  • If you are really upside down then take it to CARMAX they will take your vehicle and then have your aunt pay the remaining balance. That's better off than paying the WHOLE loan
  • I am purchasing a vehicle from a private party and the vehicle has not officially been put in his name. He bought the car from an auction house and he has the Certificate of Title signed by the party he bought it from but never signed it himself and registered the car in his name. I am now going to purchase the vehicle and I need to know if it's possible to put the car directly into my name at DMV, or does he have to sign the Certificate of Title, make it officially 'his car', register it, pay the fees, and then do a Change of Ownership? What are the correct steps in this scenario?
  • How to Change Vehicle Ownership What Constitutes a Change in Ownership? Any change of the registered owner or lienholder (legal owner) of a vehicle or vessel is considered to be a change in ownership that must be updated on the records at the Department of Motor Vehicles (DMV). The change is usually due to: Sale or Gift Adding or deleting the name of an owner Inheritance Satisfaction of lien (full payment of car loan) Transfer—Whenever there is a change of ownership, the DMV refers to the transaction as a “transfer.” Seller—The person(s) and/or company shown as the registered owner on the Certificate of Title (and DMV’s records) is always referred to as the seller, even if the vehicle is a gift. Buyer—The person(s) and/or company who is going to become the new registered owner is referred to as the buyer. Fees that may be due The amount of fees that may be due depends on a variety of factors. An exact amount can only be calculated when you submit your application to the department. --------------------------------------... NOTE: Transfer fees are due within 10 days of the “sale.” Penalties are assessed if payment is not received by DMV within 30 days of the “sale.” If multiple sales occur before DMV is notified, a separate transfer fee is collected for each sale when the application for transfer is received by DMV. --------------------------------------... Is a Smog Inspection Required? The seller is required to obtain smog certification when a vehicle is transferred UNLESS the vehicle is: Hybrid 1975 year model or older Diesel powered Electric Natural gas powered and has a Gross Vehicle Weight rating of 14,001 lbs. or more Motorcycle Trailer Vessel Being transferred between family members (spouse, parent child, sibling, grandparent, grandchild) or by court order. A Statement of Facts form (REG 256) must be completed for the exemption; however, if registration renewal fees are due, the smog exemption may not apply. Most smog certifications are submitted electronically to DMV. Keep your receipt because it contains an inspection number that may be used to locate your smog certification record at DMV. More information regarding smog requirements. What Documents Are Required? The documents that are required depend on each individual situation and the type of application. The following checklists provide the basic requirements. Changing Vehicle Ownership Transferring a Vehicle Between Family Members Complete a Transfer Without Probate Transfer a Vehicle From an Individual to an Estate Odometer Disclosure Disclosing the vehicle's odometer mileage is required by federal regulations for all transfers with the following three exceptions: A vehicle 10 years old or older. A commercial vehicle with a declared gross or combined gross vehicle weight of more than 16,000 pounds. A new vehicle being transferred prior to its first retail sale by a dealer. Additional Odometer Mileage Reporting information. Notice of Transfer and Release of Liability You must notify DMV within five days when you sell or transfer ownership of your vehicle. Complete a Notice of Transfer and Release of Liability. Make sure you print the confirmation page for your records. Additional Release of Liability information Frequently Asked Questions How do I determine a selling price for my vehicle? Check similar vehicles in newspaper classified advertisements, on the Internet, or at local used vehicle dealerships. Libraries also have various value/pricing guides to reference. What do I do with the license plate? Most vehicles have sequentially issued "standard" license plates that remain with the vehicle when ownership is transferred. If the license plate is a special interest or personalized license plate, you must decide if you want to retain the plate for use on another vehicle, or release your interest in the plate. Complete a Special Interest License Plate Application (REG 17) or a Special License Plate Application (REG 17A) indicating your retention or release of the special plate and give the form to the buyer. How long will it take for everything to be complete? When you give the buyer all of the required documentation and DMV receives your completed Notice of Release of Liability, the seller's part of the transaction is complete. Once the buyer has provided DMV with all the proper documentation and fees, the vehicle record is updated to reflect the change of ownership, and a registration card is issued. A new title is issued from DMV headquarters within 60 calendar days. When can I actually turn the car and keys over to the buyer? You may safely turn the vehicle over to the new owner when: When you have provided the buyer with all the appropriate documentation, signatures, and certifications noted in this brochure. You have
  • Hmmmm, If the regulation demands each guy or woman to have this id, then how can or no longer that's racial profiling. It treats all and sundry an identical and hence is a honest regulation! The race card is thrown every time the pro unlawful alien component would not have a controversy to apply to justify its place. the actuality that this argument is so vulnerable exhibits the pathetic place they are in. the actuality that a lot of human beings decrease back faraway from an glaring ruse of a controversy exhibits that we could desire to get greater of a backbone and upward thrust up for the numerous individuals being harmed on a daily basis by skill of unlawful extraterrestrial beings. i'm uninterested in the whining on the left. An American Citizen is killed by skill of an unlawful alien each fifty 8 minutes, an American Citizen is sexually assaulted by skill of an unlawful alien each 4 minutes!!! do we are saying sufficient is sufficient our government is think to guard us from distant places threats, no longer line their wallet with funds from kickbacks and defend those criminals that could create plenty harm proper right here in our very own decrease back yards!!!
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  • The gal Bob was married to previously had an operation to help with an obesity problem. The health insurance did not pay so they got a loan and both signed. When they divorced, she said she would pay that bill and this is reflected in the divorce which Bob did himself. Now she has stopped paying and it's reflecting on Bob's credit. She has moved to California to avoid having a judgment placed on her and we're stuck with this negative information on his credit score. All the professionals we've consulted tell us the only way out is to pay it ourselves but we really can't afford to take on this financial burden. I would very much appreciate hearing from anyone who's been through this or has successfully fought a similar problem.
  • He signed the contract, he agreed to pay half at that point.
  • There are lots of ways to accomplish what you want but only 1 best way. If you have lots of time and persistence, you can take a stab at it yourself. I believe, however, that your credit is at least on the same level of importance as taxes (which most people have professionally completed). I know of a non-profit company that does all the leg work for you and hopes to improve your score 90 points in 90 days. Check out the credit repair link at www.totaldebtsolutionsllc.com
  • Search the web or yellow pages for credit improvement companys. These type groups clean up your credit by taking off things that have been on there for years. Contact the creditors to discuss lower pay-off amts.
  • Bob is only obligated to pay his share. There is justice out there. If the amount is under $2K you can take her to small claims. Otherwise, tell the credit co. the situation and let them fight it out. Not your responsibility. Yes, I was in that sitution, I fought and won.
  • You will need to send a copy of the agreement they signed (where she said she would be responsible) to the company in question so they can remove it from his report. If you don't have anything in writing I'm afraid you're stuck.
  • a million) message her by way of facebook and ask. 2) the two touch the youngster help series company and ask or seek for suggestion from a lawyer and try this by way of criminal information. attorneys have get admission to to those form of information so the adoption would be validated.
  • Junk? This is what happened? If you buy a used car and then the finance company threatens you to scare you into fixing it up, and it ends up being higher value than what it was when you purchased it, and then they repossess it , because the parts that you paid to be put into the car cost 4 times more than the value of the entire car, and you have your receipts can you use this as evidence in court ? They also pretended like they were going to fix the car for free for me and then they didn't fix it, they said to fix it get it looking 100% new , and we will send a check to the shop, before this, it was a piece of junk starting out with. So they tricked me into fancying up a piece of junk to the max, and I have proof of this, in the form of my faxes, they said to send them estimates etc....and I have these faxes. And I have my bills. The repairs were so costly that I went broke and they repoed the car. They have my parts in their car, technically , do I have any chance in court? The other proof I have is why would someone pay to repair a car , when the repairs coasted more than me just paying off the loan balance and getting a new car ?
  • Sue who? Even if they threaten you....you AGREED to do what they said. And your signature is going to be over everything. IF you don't like the terms, then you don't sign. It's that simple. Seeing as you were a willing participant, according to paper, there's nothing you can do about it. Next time, go through a reputable car loan company, instead of going cheap.
  • If you have any chance of recovering the cost of parts that you bought, you'll have to sue the finance company in Small Claims Court in the county where you bought the car. That's where the transaction took place and that's where you have to file. You don't need a lawyer in Small Claims. You file, pay for having them served, then show up with all your evidence and let the judge sort it out. Good luck.
  • I don't understand how a finance company threatens you to fix up your car? A finance company lends money, they don't fix cars.
  • fyi i live in california. I am selling a vehicle and i lost the title. i am the registered owner. however the vehicle cannot pass smog. registration is already paid. i wrote a bill of sale and did some reading on dmv website, states i cannot sell or transfer vehicle into buyers name unless i get a smog certificate. buyer keeps telling me as long as we have a written agreement then dmv is fine with it. I think otherwise. i dont want to be caught in a big mess a couple years down the road, buyer never registering the vehicle and is still in my name with impounds and fines. what should i do?aside from the situation at hand i took out a loan on my car (the one that is being sold) from a lender not too long ago but paid it off. the lender put himself on the title as a lein holder. he signed off on the title after i had paid it off. the title the lender signed off on was the one that i lost. here are my steps i need to take however dont know if its everything i need to do. 1. create bill of sale, provide copy to buyer, getting bill of sale notarized (maybe) 2. go to dmv and fill out a notice of transfer and release liability, application for duplicate title and turn in to dmv. suggestions? thanks in advance
  • the first step is to get the title..................you apply for a lost title no one should buy a car without the seller having a " lien free title " a bill of sale dont really mean much
  • If the title you lost was the one the lienholder signed off on, then that lienholder will still be showing up on the record. You would have to obtain a lien satisfied from the legal owner and provide that to the buyer along with an application for transfer of title with duplicate title. Your releasing signature will not require notarization, but the legal owner's release will. After providing the buyer with said documents fill out a notice of release of liability and submit it to dmv.
  • First think about how much your car or truck is worth then evaluate the price then you can Post it on Craigslist and put a sign on your car or truck saying for sale and waite for the best offer
  • oh gosh. if you've never sold a car private party before, then i wouldn't start out selling something without a title. try and apply for a new title at your dmv, and make it easier on you
  • My suggestion is to take a seem at different autos on the marketplace on your area, and base your fee off of that. via regulation you ought to tell them the the call is salvaged. yet that doesn't recommend you ought to virtually provide it away. a incredible vehicle with low miles is frustrating to discover, so basically believe and attempt it besides.... good success!
  • You would have to not be enrolled in school (anywhere) & working in Washington for a period of 1 year before applying to school Otherwise, even if you move in with your dad, you will be assumed to have moved only as an attempt to get in-state tuition & will be denied http://www.washington.edu/students/reg/r...here are Washington State Laws regarding residency for tuition: http://apps.leg.wa.gov/WAC/default.aspx?...Another issue is going to be that you will have to prove NO DEPENDENCY on your mother for 2 years.... including providing her tax returns showing she did not claim you as proof.... that would mean no money from your mom, no co-signing for student loans from your mom, no car insurance or health insurance from your mom otherwise, Washington will consider your mother's residence to be your state of residency: http://www.washington.edu/students/reg/r...
  • Understand how residency works for colleges. Normally the state requires u Live and Work in their state 1- 2years without attending their colleges for u to b getting residency rates in college. If u move up there and falsify residency they will charge u back out of state fees and b open to legal charges/issues. If u attend as out-of-state u will pay that rate the whole time.
  • No.
  • Your mom can co-sign for the loan and the insurance can be in your name. Just make the payments and build your own credit - not ruin your mother's. Having a suspended CA driver's license should not be a problem.
  • I would speak to a local Realtor but usually if you signed a contract written by the listing agent, that agent is supposed to be working for both you and the seller and it is too late to bring your own Realtor to the table. But, if you were in a position to cancel the existing contract (for a valid reason enabling you to get your deposit back) you could then bring in your own Realtor and write up a new offer on the property. Still, it sounds like you have more going on with this house than trying to find a way to get your own Realtor in on the deal. If the appraisal value is less than the contract price the usual remedy is to lower the contract to the appraised value. lets assume you were financing it 100%. A bank certainly wouldn't secure a loan on a house that isn't worth as much as the loan. I suggest you show your contract to your Realtor to look for a way out and have him do some research to find it's fair market value before writing up a new offer. Good Luck!
  • You don't NEED one, but it might make your life a lot easier. Something tells me that if you thought you were getting the property for below market value, and it turns you that you're STILL paying too much, you might want to keep looking. Read over the appraisal carefully to see why it came in low, then walk around the house again. If you still love the home and want to live there, GO FOR IT. If you decide against it, call an agent so you don't have to waste anymore time getting into a decent house for a decent price. I'm based in Los Angeles, and work within a 2-3 hour drive of here. Send me over an e-mail if you need any further information, or want me to go over the appraisal for you (for free, just as a reference) jskerrett@ffbcorp.com
  • I am a real estate agent in CA and would like a copy of your contract if you should have it. Please email me for additional contact information.
  • All they care about is if you have the cash up front. Otherwise, you would have to be at least 18 to take a loan, or sign any kind of contract for a payment plan. I know this is true in California, anyway, if the legal age in your state isn't 18, than you may have to be older to sign a contract. Hope this helps!
  • As a person who sells jewelry online and used to sell for one of the big companies for years, age doesn't matter. The only time I would really question it is if someone under the age of 10 had $200 or more to buy something and no parents around. Otherwise, money is money. HOWEVER, those sales people can smell money, so before you walk into kay jewelers or anywhere else, do a little online research. Those sales people are trained to upsell you, meaning that you want this, even though it's a little more, oh, and don't forget the warranty (which usually is worth it). Then you're paying more than you expected. You can walk into kay's or walmart and find a three piece wedding set in white or yellow gold for as little as $299, plus warranties. If you just want a plain band in white or yellow gold, that will cost you less. The easiest way to deal with jewelry sales people is to say I want this..., I have this to spend maximum including any warranties, can they do it? If not, what's the best they can offer, have them write it down on their card, then go online and see if you can find it for better prices at a place that will accept money orders. You don't have to be eighteen to get money orders either. If you have further questions about the jewelry industry, feel free to email at the below listed link and i'll do my best to help answer or find what you're looking for. Good luck.
  • There is no age limit law to buy an engagement ring. There is an age limit law however to when you can marry. It varies by state.
  • The jewelry store doesnt care who buys the ring, or why, as long as they get paid for it. However, you should not be getting married or even engaged unless you are at least 30 anyway, so if you are younger than that then you should definately reconsider.
  • Nope. You can be two years old for all they care as long as you're paying cash. :) In all seriousness, jewelry is not age restricted... question is, are you ready to get engaged though?
  • just have too have the money to pay for the ring thats all they care about
  • no jeweler will stop you buying a ring because they think you are to young, it doesn't worry them what you are buying it for.
  • nope cash is cash, but of you are using credit you will have to be at least 18 to sign a legal contract.
  • No you just need to prove you got the money
  • if you have money they will sell you a ring. there is no ring age.
  • I had a car a while ago, I had to sign it over to a towing company because it got towed and I couldnt afford the towing price, the bank repo'd the car, they never let me know anything that was going on, they sold the car, and they didnt tell me how much it was sold for, is this legal? And what do I do? I believe the bank sold the car, not sure though to be honest, I got screwed over.
  • who sold the car the bank or the tow company
  • .To start with the tow company could not take the unit, because you were not the rightful owner of it, the lender was. 2000.00 For a tow bill, that must have been some tow. Sounds like you were taken all the way around. Do you still have the VIN on it? If you do I can run it for you and tell you exactly what happened to that unit. The tow company could not even send it to the crusher without the title, the only way they could have gotten a clean title would have been to pay the unit off and then get a clear one for it. I do not believe they did this. I have never in my YEARS in the repo business seen this done, even though I have ran into a lot of illegal crushes that put some local folks in jail for more things than I would want to be charged with in 6 life times! There is no reason why the lender would not tell you what is owed on this unit, unless something happened like a lackey at their office sent out a clean title and the car did get crushed. Send them a certified letter demanding to know, save a copy of it. If they screwed up, good for you. Either way it is your credit someone is riding on and under the Consumer Protection Act, you have the right to know
  • No this is not legal if you look on the back side of your contract it states what your rights are and it clearly states that by law the bank must first give you the opportunity to pay whatever amounts are due per your lender before your vehicle can be sold or auctioned. If you are unable to resolve the matter with your lender the bank may then sell or auction the vehicle at a value no less then Kelly Blue Book. If the vehicle sold for less then what was owed then more often then not the bank will demand this be paid, if you don't plan on paying the difference it makes no sense to fight them on the amounts reporting you owe but if you plan on paying then you will need to get all your paperwork in order then contact the Department of Motor Vehicles in Sacramento and file a complaint you can also file with the Federal Trade Commissioner. If any amounts are being reported in error on your credit report you will need to write all three agencies submit your documentation and demand they correct it.
  • Contact and ask what the car sold for at auction, you will owe the difference, if the car has not sold try to buy it back and sell it your self at auction it will sell for half the value, I bought and sold cars at auction for 2 years, you should not have signed it over to the tow company, the bank holds the title or finance company, make sure they have title for the car,
  • The Lien holder had/has the title, it should have been/was stamped and signed over to you for filing with the DMV. Use that title, where ever you live to get the title in your name.
  • They should have given you the title when paid off
  • What kind of lawyer would I have to call to get out of my car contract that my mom signed like 4 days ago? I realized the payment they are asking her to pay is b/s. The car is worth 5,993 with an estimated 10% interest. We paid no money down because I wanted to wait to sell my car first and use that cash for the first payment. After he did all the "math" he came out with us paying 230 dollars a month for 48 months. My mom called him and questioned him and he said "we signed the contract is it to late." I refuse to believe that and I am not going to break our back trying to pay a car loan that is obviously way to high. So is there a chance I can get out of the b/s contract if I HAVE to take it to court?
  • "I refuse to believe that " Believe it. This is what contracts are for. There is no take-back, no do-over. Like I told you before, this is whay you read BEFORE you sign. Once you sign, you are finished. "So is there a chance I can get out of the b/s contract if I HAVE to take it to court?" Nope. See above. You say the car is WORTH $5993, but you do not say what you *paid* for it. That is on the contract too. Whatever the selling price you agreed to on paper is, that is the amount you bought it for, And to the guy above me - NO state, city or county give you a 'grace period' to unwind a car contract. None. California has a loophole where you may *purchase* a type of insurance that allows you to undo the deal within 2 days. Other than that, no other state has any such option
  • I had something worse happen to me and it ended up being a scam that is being taken to court. Check the contract. What some ill dealers do is quote you the "total" of the car. Let's say, the car is offered for $3000. Then, after you sign the contract believing the car is $3000 with 10% interest, you later realize they want to charge you $2000 in "closing cost taxes." Many times these numbers are too high. What works in every customers favor is the fact dealers lie, dealers pressure, dealers don't openly state the downside to their contracts and many people are taken advantage of. Unless you can prove foul play, such as wish washy unclear information on the contract, you will not be able to take them to court. Usually a bad dealer will be the same type to alter and mess with your payments and balances owed. That would be the opportunity to file a claim. However, what you can do at this point is, read the contract slowly and carefully. Make sure each page was signed and make sure all numbers are stated clearly and do not change or fluctuate. Dealers normally have to remove interest rates if the balance is paid off early. Meaning, if she's stuck in this, paying the car off in a year vs two years means all that extra interest is void and the car is sold as is. Also, coming up with cash to pay off the car straight up allows you to make a deal with the dealer. So period, if you see any obviously wronged detail in the contract or are sure there is foul play, you can report the dealer to Better Business Bureau or the attorney generals office or even small claims court. If you cannot find an argument, get done with that payment as fast as possible and report the dealer immediately if you see any unreasonable events taking place. Get everything in writing.
  • Going to court would be throwing good money after bad. You have no case. She is a grown up. She signed. Nobody had a gun to her head. Done deal. Now, if there is a warranty or something in there, that might be cancel-able. Read the contract. Its what matters. Everything else is just bravado on your part. Bravado doesn't count in court.
  • A lawyer can't get her out of a contract, unless she can prove she signed it under duress or is mentally incompetent. You should have figured this out before she obligated herself to a long-term financial commitment.
  • Congratulations!! Requirements after paying off your car loan. After you pay off your loan, the lienholder will sign the title and mail it to you. If the lienholder is in DMV’s Electronic Lien and Title Program (ELT), the title will be automatically mailed to you. The ELT is a voluntary program for lienholders that provides the lienholder with an electronic (paperless) certificate of title in lieu of a paper title. Submit your title to DMV within 30 days to remove the lienholder's name, and DMV will issue a new title in your name. There is a transfer fee to remove or change a legal owner. Pay with a check or money order for transfer fee of $15 (VC §9255) Department of Motor Vehicles Registration Operations P.O. Box 942869 Sacramento, CA 94269-0001
  • The DMV needs to take the lien off the title. Once they recive the notice the vehicle is padi in full, they will re-issue the title in your name without the lien. (a lien is placed on a vehicle to clearly indicate another ~ the finance company ~ has to be re-imbursed )
  • My brother put me as a reference in a loan. I didn't sign anything with him and the creditor never call me to get a reference. My brother is now going bad on the loan and the creditor keeps calling me. I have asked them to stop calling me but they said they will not stop and they will keep calling me and they have. In california is there anything in the law that i can use to make them stop? Again never agreed to be a reference or gave a reference.
  • One, place yourself on the don't call list. They should stop in about 30 days. Second, if they make any kind of threat, get as much information and a call back number. A name. Call the police and request a harassing and annoying charge to be filed under 653m of the Cal. Penal Code. Next, talk to a lawyer about a cease and desist letter where you threaten them with a lawsuit for intentional infliction of emotional distress. If that does not work, sue them.
  • http://www.ftc.gov/bcp/edu/pubs/consumer...not legal. One creditor calling us, claims that hubby's ex wife gave our number as contact.. which she would NEVER do. The debt is over 10 yrs. Many collectors are out there violating the law, because they figure people don't know the rules. It would almost be worthwhile to get tape recorder to wait for next time, then get them on tape, refusing to stop calling you. You are not even the debtor.
  • Absolutely! I get calls often because my brother lists me as a reference. It sucks! They get all coarse with me like I'm the one avoiding them. I live in Cali too.
  • yes they can...i had a bill i wasnt paying on b/c i was out of work, i put an ex b/f on there and he called me about a year or two after we broke up, telling me that someone had called him and wanted me to call the collections agency.....sux
  • send them a registered letter telling them to stop, if they don't you can report them to the federal trade commission.
  • they should only be calling you if they can't get a hold of him. they can't try to collect from you, they can only try to find out how to get a hold of him through you.
  • A friend of mine wants me to finance a trailer for him, it would be a 1600 loan and he would repay $500 a month for 8 months, I wish to set it up as a lease to own agreement so while I still own it he is liable for anything/everything that happens to the trailer(I'm trying to protect myself as best I can) I'm just wondering if there is anyone that can guide me in the direction of how to go about doing this, I've never done this type of thing and have no clue of how to best protect myself, and ensure I get paid/have the right to repossess, it would be used as a place of residence for the person I'm doing it for, he has a campground he can put it in already, he just needs me to give him the money. Regardless of the above I know I will have an end document for us to sign(the lease to own agreement) must it be done in the presence of a notary(I've always wondered how signatures hold up, couldn't someone just sign something differently and then claim it isn't there signature?) Thanks in advance for any responses And of course I am open to any advice you may have for me about this whole situation
  • In California a trailer is a vehicle. YOu need only register yourself as the owner and the buyer as the registered owner. Your sale contract can contain all the provisions about responsibility and insurance requirements and a payment schedule if you wish,
  • slavery Jim Crow Laws Civil Rights Era women's suffrage (right to vote) Asian-American internment camps in California during World War II "reservations" for Native Americans current funding cuts for education spending and student loans "help wanted" signs marked "Irish need not apply" during height of Irish immigration
  • This is quite a biased question -- but I'll give it a shot. 1. Dred Scott decision -- before the Civil War, the Dred Scott decision was a Supreme Court case that stated that people of African descent could not be citizens and therefore not protected by the United States Constitution. 2. Jim Crow laws -- after the Civil War, blacks were supposed to be treated equally by the South per the thirteenth amendment. The Jim Crow laws were passed by Southern Democrats to hinder this equality. 3. Chinese Exclusion Act -- a federal law in 1882 which prohibited Chinese immigration. It was not repealed until much later, in the Magnuson Act, 1943.
  • Acceptable to whom? It's infrequently the norm, however it isn't unprecedented both. I had a professor in tuition who was once white and a student in African American reports. I additionally had a few white profs who taught quantities of publications with African American topics. At my institution, you could not principal in Af Am. You needed to principal in historical past or literature or sociology and do a awareness in Af Am reports. I knew a couple of white scholars who did that
  • My parents are lossing their home in california. Im trying to take over payments and put the house under my name. Pretty much buying it off them. Now their real estate agent who is trying to sell the house for them is telling us that no one in our family can purchase this house from them. Is that true or am I getting my leg pulled over here?
  • If you are working around a short sale situation, that is correct. Unless you are paying off all loan in full, it's not a legally sanctioned arms length transaction and the lenders are not required to sign off on them.
  • You're not providing all the facts. You can't do a short sale, if that's what they're trying, because you are not an "arms length" buyer.
  • of course you can purchase the house. HOWEVER, if you are trying to do a short sale, then NO.
  • Simple. Purchase the house - big YES Short sale - big NO.
  • Primerica? I will be turning 18 soon and my field trainer has told me to join, but I will join once I turn 18. Does anyone have any expreience with Primerica. I mean I have some questions that I hope you can answer. I know you first start with paying 99$ which covers the books, life license and so on. After that my field trainer trains me he will help me become senior rep. My point is for example if I get 3 recruits and he presents the presentation are those people my recruits. What if I cannot find 3 recruits will he get 3 recruits for me. Also If I want to sell mortgage Do I have to pay the fee for the license. Please explain the pyramid, how to recruit and how the income is structured. And basically any pointers that will help my business grow. Please help, Thank you.
  • Any recruits you have taken your trainer to are YOUR recruits when they sign up. No he will not get three recruits for you. That is your job. Hopefully he has sat down with you and explained the market of people we are looking for. MACHO. Then he should have had you make a list of people and then qualified that list. I would recommend staying with the parents of your friends first. Here in California, all we have to do is watch a video and sign a paper. After about a week, you are then able to do all the loans. The best way to win in this business- don't say a word unless you have questions, listen and follow everything your trainer tells you, follow up with your RVP, go to all meetings, go to ALL big events. Primerica, and previously as A.L. Williams, we have been taken to court as a pyramidscheme. Never, not once has that charge stuck!!! Think of it this way- you meet someone who works for a supermarket. After sitting down in front of them, they ask if this is a pyramid. You ask, Why do you think this is a pyramid? Them, You recruit and sell people. You make money off others. You, So if you make money off others then the company is a pyramid, correct? Them, Yes. You, Do you work for a supermarket?Then Yes. You, Did you know your manager gets abonus based on what is sold in the store? Them yes. You, They are making money off other people working, right? Them Yep. You, So you work for a pyramid to, right? Them, I guess. you, Wouldn't it make sense to sit down with me to discover a way for you to earn money the same way? And at the same time help people get out of debt?
  • I have a friend Jessica, that married a man that has two children from his first marriage. David (jessica’s husband) doesn't work, but Jessica has a good job so she was ordered to pay a certain amount each month for child support. (which she doesn’t mind paying because she understands that David still has to support his kids!) David handles ALL of their finances- she doesn’t see bank statements, bills or anything... so it is possible that he has been lying to her about where the money goes. Jessica seriously has blind faith in David. (My gut tells me that he is a HUGE liar) Jessica’s bank accounts were frozen a week ago and she just found out that a large portion of her tax refund was taken. David told her that the bank account was frozen due to a mixup. Originally he was paying his ex-wife directly, and a few months ago his ex decided that he would have to submit child support payments through some government agency. I am assuming family court mediators or something of that nature. Jessica is not sure of the details. (she seems to be in the dark about a lot of things). David is claiming that while the government payment system was being arranged, he continued to pay his ex directly- and now the government’s records are showing that he didn’t pay for a number of months. He said that his ex was supposed to submit an affidavit to the agency to show that he had in fact made those payments... but because HIS EX didn’t submit the paperwork in time, the child support people froze their accounts. This doesn’t make any sense to me. David has been reassuring Jessica that this mixup will soon be cleared up. David asked me if he could borrow some money, (he already owes me $2,500 from a prior loan). Jessica is like a sister to me and she and David have a baby. I don’t mind giving them additional money if what he is saying is true... it just doesn’t sound right- and I am beginning to think he is lying about A LOT of things. I am really hoping that someone reading this might know if what he says is a plausible story. I should add that they live in California. Thank you in advance for your input.
  • 1. JESSICA was not ordered to pay child support. Jessica could not have been ordered to pay child support on someone else's children. The court has absolutely no jurisdiction over Jessica. If Jessica is telling you that she was ordered to pay child support then she is either lying to you or she is very foolish and very ignorant. 2. You would be an absolute and total fool to give them any (more) money. Particularly since Jessica either doesn't know what happened .. . . or she is not telling you the truth. 3. Bank accounts are not frozen simply because a tax return is taken. The tax return is simply garnished. This doesn't require the freezing of a bank account. 4. Bank accounts are frozen when a Writ of Garnishment is signed by a judge and served on the bank. A Writ is prepared only when there has been a money judgment entered and when that judgment has not been paid. 5. Child support mix ups can happen all of the time. But if this was truly what had happened, David would not need a loan to resolve it. All he would need to do would be to gather and provide the appropriate documentation and the matter would be cleared up fairly quickly. When this happens to my clients, I prepare a declaration for the other parent to sign (my client gives me all of the payment information, I type it up, attach the records/cancelled checks, etc., and get the mom to sign it). Then I fax it to Child Support Enforcement. The longest it has taken for me to resolve the problem has been ten business days. 6. Jessica had better start managing her own finances. Statistically, the chances of her getting divorced are about 80 - 85%. She had better start protecting herself now.
  • The first big Lie is that Jessica was ordered to pay child support for his 2 children.. No court in the nation would ever order Jessiaca to pay child support for those 2 children even though she is married to David. The Reasons why: 1. Those 2 children do not belong to her. 2. She has no legal rights concerning those 2 children. 3. They are his children and not hers thus Child support never becomes a marital debt that she has to pay. She may have been ordered to pay it by david but it certainly wasnt ordered by the Court. Since Jessica and David are married and they file a joint tax return then yes their tax return could be taken to pay back child support uner the Federal Tax Refund Offset Program.But Jessica may be able to recover her 1/2 of the refund. Depending on state laws regarding community property, all or part of your spouse's Federal Tax Refund may be taken to pay your child support debt. If you and your new spouse (called a non-obligated or "injured" spouse) file a joint income tax return, your spouse may be able to get back his or her share of the refund. To claim his or her portion of any refund due, your spouse may file a request for an Injured Spouse Allocation of a Joint Return (Form 8379) with the IRS. The IRS encourages an injured spouse to file the claim at the same time the tax return is filed. If the state child support agency is aware that you have filed a joint IRS return with your new spouse, the state may hold part or all of the tax refund for up to six months. If Jessica and David have a joint bank account/savings account then yes they could freeze the accounts to recover back child support. Jessica could file for an exemption through the court and recover the money in the accounts by showing the court that she was the only contributor to the accounts since David has no job/income.. Since Jessica doesn’t see bank statements, bills or anything else then she is most likely being lied to about a great many things by David. She needs to open her own accounts (without Davids name). Demand to see the bills ect ect and only file her taxes under "Married but filing seperately" thus avoiding future problems with the collection of Davids child support.
  • Jessica needs to get out now. She is NOT court ordered to pay child support for kids that aren't hers. There is no such thing. If there is a court order against the father they can freeze HIS assets. She needs to file an injured spouse claim to get her IRS money back. This guy is a LIAR. She needs to get out before she's penniless and HE leaves HER.
  • You are full of it, the courts will not make JESSICA pay anything because she is not responciable for Davids children. Either you are making this up, But I think your friend is not telling the truth.
  • Theoretically, absolutely if we are speaking in generalities. Make sure you have the facts straight. And what a better noble cause than to pay for ones children? Sad it got to that point
  • plain and simple he lie hes stealing from his current wife and you. your friend should go to the bank and check what he did with all her money and then call the police and press charges
  • jesica shouldnt be paying anything theyre not her children your both being duped by david
  • when a court orders it to be frozen
  • Basic Rider Course info from website: The Basic RiderCourse is usually a two-day course taught by RiderCoaches certified by the Motorcycle Safety Foundation (MSF) using curriculum developed by MSF. All riders in California under 21 years of age must successfully complete this course to obtain a motorcycle license or endorsement. Upon successful completion of the Basic RiderCourse, students are given a Certificate of Completion of Motorcycle Training (DL389). The motorcycle riding test given by the DMV may be waived with this certification and graduates may also qualify for insurance premium discounts with some motorcycle insurers. The Basic RiderCourse is aimed at beginning riders of all ages 15 1/2 or older. To take this course, you must present a valid driver’s license, learner’s permit, or a certificate showing completion of classroom portion of driver’s education. If under 18, a waiver must be signed by a parent or guardian. A minimum of five hours classroom instruction prepares the student for at least ten hours of practical riding in a controlled, off-street environment. Motorcycles and helmets for use in the course are included in your course fee. Fees range from $150 for students under 21 to $250 for others depending on the training site. Most motorcycles used in the course are loaned by local dealers and are either 125cc or 250cc.
  • Basic Rider Course info from website: The Basic RiderCourse is usually a two-day course taught by RiderCoaches certified by the Motorcycle Safety Foundation (MSF) using curriculum developed by MSF. All riders in California under 21 years of age must successfully complete this course to obtain a motorcycle license or endorsement. Upon successful completion of the Basic RiderCourse, students are given a Certificate of Completion of Motorcycle Training (DL389). The motorcycle riding test given by the DMV may be waived with this certification and graduates may also qualify for insurance premium discounts with some motorcycle insurers. The Basic RiderCourse is aimed at beginning riders of all ages 15 1/2 or older. To take this course, you must present a valid driver’s license, learner’s permit, or a certificate showing completion of classroom portion of driver’s education. If under 18, a waiver must be signed by a parent or guardian. A minimum of five hours classroom instruction prepares the student for at least ten hours of practical riding in a controlled, off-street environment. Motorcycles and helmets for use in the course are included in your course fee. Fees range from $150 for students under 21 to $250 for others depending on the training site. Most motorcycles used in the course are loaned by local dealers and are either 125cc or 250cc.
  • I am in the process of purchasing a condominum in California. All contengencies are removed. Due to some financial issue, I no loger am able to come up with the down payment. Escrow time is over in two days. I can not incresae my loan amount either. Seller plans to cancel the escrow. I have paid 3% deposit which is in escrow. Liquidated damages in the agreement offer is signed by both buyer and seller. I would be happy to pay all damages of the seller which is certainly much less than 3% of the deposit. But, the seller indicated that he plans to get my 3% if I can not close the deal. What are my options to prevent the seller to take all my 3% deposit? Should I send cancelation letter to the seller before the seller send one to me or vice versa? Can the seller try to get more money from me in addition to the 3%? Please advise.
  • Yes the 3% honest money is forfeit if you do not complete the purchase. Yes they can ask for damages but usually take the 3% and forget about it. Consider this a lesson you are paying for or about real estate purchases- it is cheap compared to what the actual purchase was going to lose for you.
  • The earnest money that you paid is to reimburse the seller for damages if you do not close after all contingencies are removed. It sounds like the "some financial issue" is yours, and the seller is entitled to the entire earnest money deposit if you are unable to close. Three percent is minimal for actual damages - they took the house off the market and may have even moved out in anticipation of your closing. That's the price you pay.
  • In most states no, in some states such as California, it depends on the judge's determination of what an adequate retirement is for you. You may want to do a search on your state's commercial or business code to find out. Some states have their codes available on line.
  • Each state is different, you need to look up your states department of health. New York and California are crazy expensive and long hours. Pennsylvania, last I knew, had absolutely no requirements, all you need is a sign that says you are. That will change in time, if it hasn't already, but just shows you how much they can vary. Most others require 500-750 hours and tuition is $5k to $10k. Student loans are available. www.massageregister.com will tell your what your specific state requires. But technically, you will always be paying and going to school, since you will need a certain amount of hours every two years when you renew your license.
  • You would have to ask the massage school you plan on going to. Each one is different. It can range from $6000-$15000. It can take between 6 months to a year. It depends on what state you are in and what that state requires as far as the number of hours of training that are needed to get your massage license. Most massage therapists start their own business so you can make more.
  • . "I met a young man today on a bill signing I was doing with the student loan bill who came up to me and said thank you -- he couldn't have been more than 25, 26 years old -- thank you; I have cancer, thanks to the Affordable Care Act working with the California program, I was able to get health care and I'm now in remission." ~ Borat 0bama, 8/9/2013
  • But it doesn't go in to effect until 2014 are you telling a fib? Totally
  • That's BS, insurance companies are people too they should have the right to turn low workers kids down for preexisting conditions. Last thing we need is kids growing up thinking the government will help them whenever a bully comes around. It is dangerous to capitalism having another democrat president in 2016.
  • I ran over a turtle
  • I saved my Fish today giving it Mouth to Mouth...
  • How do we know that story is honestly true? Obama lies about a lot.
  • The law allowed him to get care that he may not have been able to get otherwise.
  • Excuse me, but what is your question???
  • I live in California, I'm seventeen, and I just graduated last month from high school. Unfortunately, I didn't sign up for any scholarships at all, so I have absolutely $0 for college, but I really want to go. I graduated with a fairly high GPA, got a B in an AP English class, and have taken a Child Growth and Development Class at a community college and aced it. I have a lot of interest in teaching, child care, and screenplay-writing. I honestly have no idea what I'd like to do with my life, but I know I'd like to get at least my General Ed done, with the hopes of maybe finding something I'm interested in while I'm finishing those. So this is a three part question: 1. Do you know of a place I could find scholarships for someone in my situation? 2. What do you think about studying abroad? Where and which schools do you think are the best? 3. Any other advice you could think of? Thank you so much!
  • It's hard to have no money for college and be a minor. Your first step to take, if you haven't already, is to look into what financial aid you may qualify to receive. For CA community college students there is the Board of Governors waiver. If you qualify for it you won't have to pay tuition at your comm college. There are also grants, which you don't have to pay back. Scholarships can be tough to get. There are need based scholarships, which usually go to people in extraordinary circumstances or who meet very specific requirements. Then there are merit based scholarships, which means you would need to have an impressive GPA. Scholarships are also awarded to people who are choosing to go into certain fields. If you are looking to go into teaching that would probably be your best bet. Just be wary of any website that asks for money to find you scholarships. Most colleges have that info posted in their financial aid office. If you are short on funds, I'm not sure if studying abroad is a good idea, especially since the dollar is so weak overseas. If you can get that worked into a scholarship then go for it. Bottom line: visit your financial aid office. Fill out the FAFSA on-line. And then look into grants and scholarships. There are also Federal subsidized loans to consider as a last resort. The payments are differed until you graduate. Good luck!
  • confident i could if i ought to pass returned and do it as quickly as extra. in straightforward terms in direction of the undemanding years in spite of the indisputable fact that. interaction with different little ones is easy at those a protracted time with youthful human beings activities, community playground, etc. this could supply them a extra suitable base and accountability, mutually as nevertheless getting social skills. As they circulate into center and intense college there are much less youthful human beings activities and extra suitable opportunities (for the value besides - music, band, journalism) then you definately ought to probable supply. additionally provides them "actual life" human beings skills mutually as nevertheless at domicile so which you would be able to help them. in straightforward terms element is you're able to desire to be committed, and study your self. a great sort of the flaws my center schooler is doing I wasn't doing till my junior/senior years of highschool. you moreover mght could desire to be open minded and not pass on bias which you have. via all ability state your case yet produce different factors of view and have a logical end fairly than "simply by fact I suggested so" end.
  • Debts are to be paid out of the estate of the deceased. So, if you have assets at the time of your demise, those debts will be paid from those assets. If you have few assets at your death, claimants may present documentation to the probate court. Or your proposed executor may find it advantageous not to file for probate. If you are worried about loved ones having to pay for your debts, that is unlikely unless they had co-signed for a loan. I hope that, at 20, you have decades and decades to worry about such things.
  • Hopefully, you will have a long and healthy life. If you are still living with your parents and die before the age of 21, your parents may have to pay your debts. This is not an answer from a legal stand-point, but a personal opinion.
  • No one. Your debts are your own (or anyone who co-signed). Your creditors would be paid out of any assets you have (cars, bank accounts etc.).
  • Your parents would get it, after your parents it would be split up between your siblings fairly.
  • Unless you have something in writing, it's going to be difficult. You can file a claim in the American small claims court if the amount was small (about $5000 in most states). If it was more, you'll have to call the local police where he lives and ask them how to proceed. If you can't get your money back, at least learn something from this. NEVER loan money to anyone unless you get something in writing stating that it is a loan. Make them sign it. If they intend on paying you back, they should not be offended. If they get offended, it probably means they planned on never paying you back anyway. .
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  • Spell To Get Ex Back - http://www.ExBackHappys.com
  • Contact an Attorney, if you do not have a signed contract then your S.O.L. You can bring a lawsuit against him in civil court, but it's on your dime and you better have concrete proof of the loan and agreements made. other than that you are out the money.
  • abi, you need an attorney, not us bozos.
  • You have two options.... Find a company with an "In-House" school... Schneider, C.R. England and Swift are just a few... or... Check with your local truck driving school and ask them about student loans that will cover your tuition. When you start your job search, check with different companies and ask them if they have tuition reimbursement. When my wife went through truck driving school 3 years ago, she got a student loan and the company we went to work for reimbursed her $4000.00 over the first two years we were there. It covered her tuition. We paid the monthly payment on the loan(less than $60.00). When she got out of company training and every six months for the next two years, she received about $800.00. You have a few options... you will have to research it with the companies and the schools and get the answers for your area. Good luck to you....
  • I'm trying to avoid the DMV for reasons such as long lines, etc.. so after having picked up all the paperwork to sell my used car (Application for Transfer of Title, Notice of Transfer, Release of Liability, Vehicle Transfer/Reassignment Form) I hear you can go to AAA to submit and finish up the paperwork for a title Transfer... is this true? How can I make this process easier?
  • If you own the car free and clear, then the only thing you need to provide is a title <signed as the seller> and a bill of sale. If you have a loan, then your lender would have to know in order to send the appropriate paperwork as well as make sure the loan is satisfied in full before they will release the title. Please note that California laws vary with SMOG testing. Good luck and happy selling. You can email me if you have any questions.
  • first of all you only need the title to sell a car the rest is up to the person who buys the car not you . and it is solded asis if you are not a dealer
  • you supplies you capacity of legal expert to everyone you believe to run the place of work work touch a legal place of work for trouble-free capacity of legal expert with regard to the sale of assets. flow to the library and look up the standards on your state , you are able to might desire to fill out a sort and function it notarized.
  • I have a closed debt for a private loan that has now gone through the statute of limitations (no payment activity for 4 years). I live in the state of California. How do I prove that the statute of limitations has expired? I do not have my first balance statement that shows the date of the first statement, is there another way to prove that this account has been inactive for at least 4 years? I received a letter from a law office a few days ago revolving this account, and I want to have proof so that I don't have to pay it. Before you respond- yes, I am a dead beat. And no, I am not going to pay this debt. Cheers!
  • Pull your credit report and look under Date of Delinquency. annualcreditreport.com is the real free site to check your credit file for free once a year. https://www.annualcreditreport.com/NOT freecreditreport.com - ======================= When a debt collector first contacts you, your first step should always be to request validation of the debt per your rights under the Fair Debt Collection Practices Act. Even if the debt is valid, request validation anyway. Send them a letter via Certified Mail + Return Receipt (do not use regular mail) stating: Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes: - a copy of the original signed contract with my signature - validation of the original "Date of Delinquency" for this alleged debt - validation of the "Date of Last Activity" for this alleged debt - validation that this alleged debt is within the statute of limitations. --------------------------------------... * DO NOT sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name. When they call back, tell them: I have sent a certified letter to your office officially requesting written validation of this alleged debt per my rights under the Fair Debt Collection Practices Act. Per this federal law they must provide written validation within 30 days and they must cease collection activity until they send you written validation. Do not let them scare you with bogus threats during this period. This will give you breathing time to explore your options
  • The Statute of Limitations starts(or can be reset) based on your last payment and in some cases if you make a signed promise to pay. The good news for you is that it is actually not your requirement to prove that the SOL has expired. It is up to them to prove that it has not. However, if they have proof that you did something to extend the SOL, you would then have to show that they are wrong. The best thing to do is if you are sure the SOL has expired send them a letter stating that the debt is outside of the SOL and they are to no longer contact you in reference to it. Now, this won't keep them from suing you but if they attempt to sue you and it is out of the Statute of Limitations you can try to file a suit against them for violations of the Fair Debt Collection Practices Act(FDCPA).
  • California does not allow the collecting SOL to be reset if a payment is made after the account had charged off. CatDad is right, follow what he posted and order your credit reports and send the law firm, and the collector that place it with them, a debt validation request. Send it before 30 days have passed from receiving their letter. Make sure you order hard copy reports, to be mailed to you from each CRA. Going through a tri-merge service and/or ordering and viewing your reports online, the info that you need may not be on those reports.
  • You will need to file a complaint with the AG Office. They will investigate your claim and pursue action against the company that claims you owe them money.
  • I think it has to be older than 7 years. Look up laws on CA's website. It must be on there.
  • hey dead beat, if they added interest during the time, clock is still going. If not, everyone would just borrow and wait.
  • I HAVE A CONTRACT IN A HOUSE IN CALIFORNIA THE INITIAL OFFER WAS 340000 THE SELLER AGREE AND TAKE THE OFFER TO THE BANK FOR A SHORT SALE THE BANK AGREE AND THE APPRAISAL CAME AT 300000 WE ASK FOR PRICE REDUCTION AND THE BANK AGREE APPARENTLY THE REAL ESTATE REPRESENTATIVE FROM THE SELLER NEVER GET IN TOUCH WITH THE OWNER BUT SHE DID WITH THE WIFE SHE IS ON THE TITLE OF THE HOUSE AND THEN OUR CLOSING DATE IS THE 16 OF OCT. 2009 BUT YESTERDAY WE RECEIVED A CANCELLATION OF THE CONTRACT AND IT STATES THAT THE OWNER OF THE HOUSE DONT AGREE WITH THE SALES PRICE OF 300000 CAN THE BANK CAN STEEL CLOSING THE DEAL SINCE HE REQUEST FOR THE SHORT SALE? BY THE WAY THE HOUSE WAS LISTED FOR 31000 THANKS.
  • What likely happened is the bank is requiring something of the seller that they do not wish to do. The owner has to sign the contract change and sign the closing papers- so unless they change their mind it will not happen. The bank is not the seller- they are simply agreeing to accept less than a full payoff of the loan and still release the mortgage lien.
  • Sounds like you have a lot to learn about short sales. The bank didn't "STEAL" the deal. The owner has the right to accept or deny any offer. If you are buying the house, you need to explain the the seller that the price in which you purchase means nothing due to the fact that in a true short sale, the seller walks away with nothing in pocket. Unless you plan to live there and dont care about equity buying a house under short sale for market value is a bad move.
  • Yes. All party to a contractual deal can cancel the deal (unilaterally) if the terms of the deal change. In this case, you changed the sales price to 300,000 from 340,000. Both the seller and the bank get to say yes or no to the change. Short sales are notorious for all kinds of wheeling and dealing behind the scenes. It is part of the game and a big part of the reason why it is difficult for inexperienced folks to get the deal done in their favor.
  • 1. Posting in all caps is rude. 2. Your question is hard to understand due to poor grammar, but if I understand you correctly the contract was cancelled. Not much you can do.
  • WHY ARE YOU SHOUTING???
  • But banks always fail during Republican administrations - not Democrat. Why is that? the last time was during Reagan's 2nd term, when the S&L scandal happened and all the banks crashed, after another derugulation, stock market rise and collapse, and housing market boom and collapse. It's always the same things when Republicans are in.
  • No, the lawsuit in 94(!!) was about black people with the SAME qualifications as whites not getting accepted. Nothing about forcing banks to do anything except not be racist. And the hearings in 2004 were about stopping predatory lending! That's banks PURPOSEFULLY loaning money to unqualified borrowers so they can seize the properties when they default - the mortgage companies REFUSED!!! And Republican derugulation made it possible - Trent Lott's Republican party twisted Clinton's arm into signing it.
  • Some say hundreds of small banks will fail and a few more big ones like Citibank. Don't worry, your money is insured by FDIC up to $250,000 only through next year. Then it goes to insuring $100,000.
  • *****THE LIE********** But banks always fail during Republican administrations - not Democrat. Why is that? the last time was during Reagan's 2nd term, when the S&L scandal happened and all the banks crashed, after another derugulation, stock market rise and collapse, and housing market boom and collapse. It's always the same things when Republicans are in. **********THE TRUTH********************* Bank Failures by Decade 2000-2007: 32 1990-1999: 925 1980-1989: 2,036 1970-1979: 79 1960-1969: 44 1950-1959: 28 1940-1949: 99 1934-1939: 312 Source: FDIC Historical Statistics on Banking, 1934-2008
  • The average number of banks that fail every year is 176,during the savings and loan debacle496 failed.This year maybe 200 so far.We have a way to go before we are Third World.Also third world nations don't have the Fire power we do.They can call all the loans they want .We have the Fire Power to start the whole thing Fresh again,and I guarantee we will be on top.Stop your fear mongering.This makes the Obama supporters look like third world wussy's.
  • Well, you're a very clever guy. First of all, America is the issuer of the bonds - America has the right to call in any bond, if any call-date is specified on the face of the bond; NOT the buyer. Second of all, nobody can afford to stop using the dollar. It's THE prime currency of the world, and will continue to be. Buying a lot of dollars, too, may be a great investment, as the dollar value is skyrocketing as we speak. If you really believe the US is turning into a 3rd world country, I think you're both unintelligent and extremely prone to propaganda, and the doom and gloom machines we know as media. Congratulations - you do not posses the ability of critical thinking.
  • Dang, and here I thought the Democrats MANDATING the banks lend money to the poor and unemployed Must have Been a good idea! Sarcasm folks
  • Citigroup is in trouble but they are in the too big to fail category. So, I'll count that one as a failure.
  • Citibank is teetering, and Bush, as usual, is doing nothing. 2 more months of inaction -- this is going to be BAD.
  • not near as many as when O is president. U have been warned. rememeber == c dodds, c schummer, b frank, m waters and others are to blame BTW all DEMS!!! it wasn't bush, fools
  • Here's the short summary. Post college graduate with no credit I'm looking to purchase a car here in Oregon. Went to the dealer cannot happen even with my mom co-signing the auto loan. My mother resides in California. We were thinking instead just take my name completely off the auto loan and just purchase the car herself and everything under her name. Will this be legal? And if so what hurdles and obstacles will we have to go through?
  • Its not illegal. But, by not having it in your name, partially, you wont be building any credit. If the dealer thought your mom would qualify on her own, I think they would have suggested it. If they didn't, theres probably more to it. (Like she wouldn't qualify even without you)
  • Of course it's legal and ther are zero hurdles and obstacles to overcome. If your mom wants to buy a car and let you drive it there is no reason why you can't do this legally. Regardless of what state you or her live in. Of course you do understand that the car is in her name, the insurance is in her name and the debt is in her name. But if you don't care about the legal paperwork and you are the one paying for all of it what you do as a family is perfectly OK with the state. There are no state laws prohibiting a mother from buying her son a car.
  • My grandparents are ALWAYS putting me down about college Saying: I dont have the grades to get into a big school I shouldn't go far away That when am I ever goin to see my family First of all - I'm not planning on going to a big school, they expect me to go to a freaking popular good school - I DON'T WANT TO nor do I have the decency or grades. My grandmother is always B****** @ at me saying WHERE are you going to get the money - etc etc. OKAY college here is 2x as much as California's. I hate it here. AND I have a college fund set up. She never listens to me and she told me she could careless what I wanted to do, and she always tells me what SHE wants me to do. UGH I'm just going NUTS because shes pyscho
  • I have the same exact problem! My grandma nags me about how "horrible" my grades are How I should go to USC and not move far away and constantly says "You wont know anyone!" It is your life. I understand exactly how you feel. I personally hate California and am getting out and going to a college I have fallen in love with. And I hope you do the same. You can get tons of money if you sign up for grants and student loans and the fsa...just work your butt off and you'll do it!
  • At the end of the day hun, you need to do what you think is best and what makes you happy, otherwise, if you dont do this you will probably never be happy. You only have one life, so dont waste it doing what somebody else wants you to do, they have their own life to do that remember... Im sure your grandparents are only trying to advise you, and are just worried and want to do whats bests for you and all the usual grandparent stuff, but at the end of the day just do what you thinks best for yourself. Take care x
  • Work on your grades hon, get in college and get a degree in doing something YOU like and can make a living at.You can do it, hang in there,I believe in ya!
  • When you buy a car, you should get the signed over title IMMEDIATELY, or don't hand over the money. Then in might take 60 days for YOU to go to the DMV in your state with the signed-over title and get it transfered to your name. Don't accept any seller's excuse for not giving you a title when you buy a car. If he still owes money on the car, you BOTH need to go to his bank so that YOU can pay off HIS loan with your money and the bank can give YOU the title then and there.
  • I came upon a hard back copy of The Communist Manifesto / No Compromise from 1906. Inside the pastedown is signed "Loaned by William W. Busick". William W. Busick was a Socialist Activist who ran for office in California in 1930, so I figured it might be worth something. I plan on hanging onto it, just curiosity struck me and I wanted to know what it might be worth. Book is in remarkable condition given the time it was printed.
  • It would be worth a lot except that the people who would be interested in buying it aren't the kind of people that like to pay money for things.
  • 1
  • Yes but in the eyes of the law..........a juvenile cannot enter into a contract so thus cannot be a sole owner of a motor vehicle. A minor cannot normally actually own property. His or her parents technically own that property. If a parent will co-sign on a loan for a car, the juvenile can buy a car, but the parent will be the legal owner.
  • I bought my very first truck when I was 15 and had it in my name...this was in 2002. Don't know if the laws are different in Pa, but in Mi it was legal.
  • OK - here is the deal. If you are paying off a car loan and selling the car (which is what you a re doing in essence) call Chrysler and let them know that you are doing this, and when. If you have a local office, you can have the title sent to that office. Then, you go in with you certified funds (cahsiers check) - hand it to them, and they sign off on the title. If you do not have a local office, still find out where to send payoff and let them know you are sending it in X days. That will allow them to pull the title and have it waiting. Many times, titles are stored in a central facility. If you just send a check, you will be delayed in getting title while they pull it. The advance notice shortens that wait. Also, when you call, ask for a 10-day payoff. They wll give you a figure that includes all interest and is good for 10 days afterward> If you don't do this, and interest accrues for 3-4 days after you get payoff, you will get snagged. You will send a check for, say $110000 - but thanks to per-diem interest, the payoff is $11,109 by the time they get the check. You can have your seller pay Chrysler directly, too. They will get a title assignment from you, and send the title directly to him/her. Again, if you have a local office, do it there to move the process along faster. Your buyer will not be able to register the car until he has that title. So, i suggest you holding the car for the few days it takes to get the title. Just draft a bill of sale for him.until title is in hand. Your plates can be removed when he registers the car. In a private party sale, its usually just good form to leave your plates on til he gets plates of his own. That way he does not get ticketed for driving without plates.
  • It is illegal to sell a vehicle you do not own. Call Chrysler Financial and talk to them. They should have a method of arranging this. (such as you all sit down together buyer pays Chrysler Financial $17,000 with a specified instrument who gives you a clear title and a $7,000 check. You sign the car over to the buyer and your done except for the CA DMV part of the question which I can not answer)(there are other methods but you get the idea)
  • What you need permission from the DMV to sell your car! Just sell the car and send what ever you owe Chrysler a cashiers check. They will send you the title in about a week.Just make sure who ever is buying the car from you that they will have to wait on it. Better check with your DMV on the plate. In some states and I think yours is one of them the plate goes with the car. Your lose,
  • As president, Alemán pursued industrial development, increasing the extension of the nation's rail network, improving highways, and constructing a number of major schools. To accomplish this, in 1947 he negotiated a major loan from the United States. He also worked extensively with irrigation and farming, greatly expanding the national production of rice, sugar, bananas, coffee, oats, and pineapple. He faced the appearance of foot-and-mouth disease and killed thousands of cattle in order to contain it. He gave women the right to vote in municipal elections during his term, and in 1952, elevated Baja California to state status. Internationally, he signed peace agreements with Japan, Germany and Italy following World War II, had a hand in a truce between Pakistan and India, and worked with the United States on the issue of the braceros. Rampant political corruption and crony capitalism marked his administration and shaped the relationship of politics and big business in Mexico until our days. He played a major role in the development and support of the city of Acapulco, which is now well known all over the world as one of the principal tourist destinations in Mexico and Latin America.
  • there have been fewer militia deaths throughout the Carter administration, yet there replaced into no conflict then. in case you go with for a comparision, the main militia deaths interior the US have been throughout the presidency of Abraham Lincoln, accompanied by employing that of Franklin D. Roosevelt.
  • I live in California. Back in December I put an offer on a home that was a short sale. Of course this took forever so in the meantime I continued to look at other homes. Last month I found a REO for sale and made an offer on that home. My offer was accepted and Escrow was open on this 2nd house. About 2 weeks into Escrow on this house the short sale house got bank approval and accepted my offer and opened Escrow. I immediately backed out of the contract for the short sale house and continued with the purchase of the 2nd house. Technically for one day I was in Escrow on 2 houses. Now I am 2 weeks away from closing on the REO house, done the home inspection, done the appraisal, got the loan approved when I just find out that there is a seller title issue apparently when Freddie Mac got the home through the Trustee Sale something wasn't done right, and I don't think they are listed on the title. My agent says that this may take months to fix and now there are lawyers involved and she feels the seller will cancel the contract due to this delay..... My questions: If they cancel this contract, can I go back to the short sale home that I originally had an offer on and make another offer? I know the seller of that house was super pissed when I backed out, but they haven't gotten any other offers yet, so maybe they will want me back? If I can make an offer again, does the purchase have to go back to the bank for short sale approval even though they fully approved it last month (It's BofA)? Would I have to make an offer with the same buyer's agent that I used with the first offer? Or could I use another Realtor for this second offer?
  • A couple of thoughts to consider...ask your agent on the current contract to release you from that contract, get the required owner and third party to sign off on it before you do anything else. When you have the deposit in your hand then that one is complete. On the question of buyers agent on 2md house, you probably signed a contract with him/her as a component of your offer documents. In that agency agreement there may be a clause that will pay your agent (within a time frame) a commission for bringing your offer the first time. Now that you are clear of other obligations, have your offer drawn up, read it carefully, and do consider purchasing title insurance for some protection during short sale transactions. As you have seen ( as we all have seen) it can get convoluted. You asked very thoughtful questions! Please know that your agent should provide answers for you too, they have to keep it all straight during the process...welcome to short sale buying....every deal is different You'll know as much as the rest of us by the time you're done. Oh, be considerate of the other side, but keep your requirements in focus...that's what's important...you'll have to live with the purchase you make You're doing great, good luck Dot donato, realtor Md and va
  • You can't use another realtor for a home your current realtor already showed to you - your current realtor would be entitled to that commission in full. So continue using your current agent to make another offer on the home you rudely and rather insincerely backed out of. Please do not be surprised if they reject your offer knowing you're not a 100% reliable buyer, or that you'd possibly back out a 2nd time. You would have to go through the approval process again because your offer wasn't put on hold - it's considered dead now that you've walked away. If you can walk away from this one and want to, do that. Don't be surprised if your current agent wants to toss you to the curb after this. People like you need to understand that when you make an offer that is accepted, you are legally bound by it. It sounds like you have no sense of responsibility, understanding, common business sense etc. You are a flake and you are the type of buyers we all dread working with. If you're not serious, don't make an offer. Making an offer and having it accepted is a BIG DEAL, so please start being serious or go shopping on your own and stop wasting your agent's time.
  • Go back to the same agent, explain the situation, and see if they would be willing to reinstate your offer which they had accepted and proceed with contract and closing. They're pissed, and may tell you to buzz off, but you can go back to the original agent and ask. Don't complicate matters further by starting over with another agent!
  • What circumstances? If all contingencies have been met, then you definately're merely chickening out to back out. the abode inspection would not take place until you're below contract- e.g. your furnish has been commonplace- that could desire to take weeks. So your purpose is to tug alongside the sellers on your cutting-edge contract- and function them making maintenance you have asked- while you pursue this different place. Jerk. As others have reported, worst case state of affairs is the sellers take you to court to enforce the contract.
  • You can always try. I would not accept the offer if you backed out on me once already.
  • didnt even read your wall of text :) you may offer as many times as you want. a standing offer is a continous offer, just get your realtor to go offer to buy something. if you offer in a good way, with tempting deals like all cash or something, you'll be in escrow soon!
  • Yes, you can pay for a car in full. It's actually the smartest way to buy a car because you will avoid paying interest. And the person who said you have 3 days to return a vehicle is 100% incorrect. You have no recourse or ability to back out of auto purchases even 1 second after you sign the purchase agreement. The only exception is in California, where there is a law that if you would like the option to have 3 days to back out of a contract, someone has to come to your home, explain your rights and you must purchase and sign the option to take the car back within 72 hours.
  • Of course you can pay in full. You also have three legally guaranteed days that you can return the vehicle for a full refund if you don't like it. Dealers push loans because they make money on the interest.
  • Thee number 1 mistake a consumer will do is let a Dealer get their finance for them. When you go to the dealer(s), They will ask you about financing almost the first thing,,,just simply inform them that "The finance has been handle" if they persist, go to another lot. DO NOT tell them it is a cash deal.
  • the vehicle will be difficult to refinance since its not new. 4800 is still owen on it but i want to get credit for making the payments.(by the way its under my sister-in-law's name) the financial company doesnt do ownership changes in california. I want to pay off the car but then i will be helping someone else's credit and wont get anything for it myself. thanks
  • Have your sister in law sign the car over to you or sell it to you. That's the only way. It's in her name; it's her car. On second thought - you don't want the CAR - you want the credit rating boost for paying off a loan? Absolutely not possible unless the loan is in your name. Re-financing in your own name would be the only way to affect your credit rating
  • Has anyone experience with buying a home at auction? I was the winning bidder in an auction in California and paid a 10% down payment ($30K) that the auction house is claiming is non-refundable. We are soon going to past the close date (which was originally extended because the seller changed the terms of the contract - which I signed). Now the seller is not allowing for an extension to complete our loan. Is there any recourse to get our deposit back? The contract states: "immediate deposit without recourse, trust or escrow as sums due Broker or Seller ...and specifically agree and stipulate the Down Payment Shall not be held in trust or escrow or otherwise treated as 'funds due others' ...shall belong to broker." Thank you
  • Under the ORIGINAL contract, it is NOT recoverable; BUT, IF, as you stated, the contract was subsequently changed, it MAY be recoverable due to the fact that the seller changed the terms of the contract AFTER sale but before closing, especially IF you did NOT agree to the changes. You need a real estate attorney, as the laws vary from state to state!!
  • I intern at one now in Chicago and would like to move out to LA at some point and do my own agency.. however, I have no clue where I would start.. calling agencies is impossible because nobody would waste their time to talk to me I know, and I can't ask anyone here for obvious competitor reasons. Anybody have any ideas on how I would get started or what to keep in mind when starting a business like this? Footnote: I have a degree in film..
  • 1 Figure out why you want to become an agent. If possible, talk to agents you know to discuss the entertainment business and to gauge what they do on a daily basis. Become familiar with casting directors and producers in the Los Angeles area through networking events. Attend events such as Actorfest--held each year in Los Angeles--to begin meeting actors 2 Register an account with Losangelesworks.com, which offers a "Business Startup Organizer." As recommended by the Mayor's Office, create a business plan that highlights your goals, expenses and the legal structure of your business (sole-proprietorship or limited liability corporation). Register your business with Los Angeles' Office of the County Clerk. Bring $31.00 for the initial filing fee to receive your fictitious business name certificate 3 Search for property or an office space in Los Angeles using the city's Zone Information and Map Access System (see Resources). Contact the city's Asset Management Office at 213-922-8500 if you are interested in buying or leasing city property. Log on to Losangelesworks.com, click on Business Services and then "Incentive Finder." Complete the form to see what business incentives you are eligible to receive. 4 Contact a number of organizations--including the Small Business Administration, California Capital Access Program and the California Loan Guarantee Program (see Resources) to receive additional funding. After receiving funding, purchase or lease your property. (You may also do this before receiving outside financing). Become Franchised 5 Contact a surety bond company and set up a meeting with an agent. Bring your business plan along with important financial documents such as bank statements and any evidence that demonstrates financial responsibility. Also, have a minimum of $1,000 to put down on a $50,000 surety bond, which is required by the Screen Actor's Guild. Sign the company's indemnity agreement and be sure to get a copy of your bond. 6 Contact the Los Angeles offices of the Screen Actor's Guild and the American Federation of Television and Radio Artists (see Resources). Request their "Agency Franchise Application" along with their agency regulations. Attach a resume of your experience in the entertainment business--professional and amateur. 7 Include three letters of recommendation from individuals in the entertainment industry (actors, singers, casting directors, producers, etc.) Also, include a letter from your financial organization (lender) on their letterhead stating your account name and number. 8 On company letterhead, submit your agency's ownership breakdown. State in the letter whether you are a sole proprietor. Include a copy of your surety bond. Mail your application to the Screen Actors Guild's Agency Department
  • I am a current sophomore in college majoring in Business Technology Operations Management. $30,000 and a year later, I now realize that this is not what I want to do. I would like to be a screen writer, film producer, or even a graphic designer. I guess something that entails the fine arts major. I am considering going to Northeastern State University, Florida State University, or University of Southern California. The problem is, is that I do not have a co-signer and my credit score is only at about 650. I am on a financial plan called Tuition Options, I believe this is a plan specifically towards my university and I don't think it will work at another university. I am 19, and my parents do not want to co-sign my student loans, and being on tuition options allows for everything to be put into my name, and my name only without a co-signer. I am wondering if there are any other ways were I can secure my financial funding for college without having a cosigner.
  • First, I would stick to some form of Business and then transfer to a smaller college than a State University. Second, you could consider becoming an Independent which should boost your federal aid.
  • Hi, I have been searching all night and have found out that there are so little Solar Energy system training courses out there. The only ones that are in abundance are small 3 - 5 day courses. But i dont think you can learn anything in 3 - 5 days. The only one i found that looks promising is a place called EcoTech institute in Denver Colorado, and I live in Southern California. I actually called EcoTech yesterday morning and they said it was a 2-year course with lots of hands on training. It would cost me a gaint $37,000. I guess im asking to get some insight of tech schools because (I dont know why) but I feel they are only after your money. Or am I paranoid? Can anyone shine some light on this subject for me? Any info regarding technical schools and/or Photovoltaic training courses would be much appreciated,thanks :] Here is the link for EcoTech, it looks legit but than again I don't know anything about Tech schools: http://www.ecotechinstitute.com/index.cf…
  • You need to do a SH*TLOAD of research on the school before you sign up for it. There are a TON of schools that are in big trouble for misleading advertising and using false statistics to get people to sign up and get student loans, not to mention the super expensive equipment and tools that some schools charge their students for. If possible, see if there's a University/College, even a Junior/Community College, that offers classes in this field because they are far more concerned about image than the Tech Schools. I'm NOT saying that this particular school is or is not good, just that you must be VERY CAREFUL with your choice.
  • Air Force One is the official air traffic control sign for any U.S. aircraft carrying the President of the United States. The idea of designating specific military aircraft to the President started in 1943 when U.S. Army Air Force (precursor to the Air Force) officials became concerned with relying on commercial aircraft to transport the President. Air Force One was created in 1953 after an incident involving President Eisenhower. There isn't a schedule for replacements. They are replaced when they become less cost effective to operate. The Air Force Material Command has issued a new requirement for replacement aircraft beginning in 2017. Air Force One is used as the designation only if the President is on board. If he should happen to loan his plane to someone else, it would have a different call sign. When Richard Nixon resigned, he boarded Air Force One to return to California. While he was in midair, Gerald Ford took the oath of office and became President. The airplane that Nixon was on changed its call sign to something else. The pilot called air traffic control somewhere in Kansas to notify them of the change in call sign.
  • "Air Force One" is a call sign, not an actual aircraft. It is any Air Force aircraft the President is currently traveling in. "Marine One", "Army One", and "Navy One" have been used for aircraft from those branches the President has flown on. And Nixon flew a commercial airline once, with the call sign being "Executive One". (There has never been a Coast Guard aircraft to carry a President yet, but if it does occur, it will be "Coast Guard One".) *EDIT* - Also, any aircraft that is carrying the Vice President is designated "<xxx> Two", and any aircraft with the President's family, but not the President is designated "<xxx> One Foxtrot" (<xxx> being the military branch the aircraft belongs to).
  • http://en.wikipedia.org/wiki/Air_Force_O...Read all about it. Don't you Yahoo users know how to use the internet for useful research?
  • For months the L.A. County Registrar Recorder at 3 of the 4 Registrar Recorders has told anyone & everyone who is filing for others which includes Legalzoom, We the People, individuals & anyone who is filing/expediting DBA's aka Fictitious Business Names to register their new business (in order to get their bank account or a loan, etc), anyone doing it for others as a service or just a favor that they MUST drop off and wait up to 7 days (also it's usually 10 days)! I have the code section link below that says they can't...Government Code Section 27320-27337. How can they do this to people in this down economy when we need to kick start more California small business owners & the RRCC makes us stop everything & wait in 2+ hour lines if you want it the same day? Is this bureaucracy at it's finest? There is also a code section for handicapped as well but I'll look it up & ad it to this tomorrow. It certainly doesn't serve the people so how can this be done? http://law.justia.com/codes/california/2...
  • I would sign your petition. You need to stand up for your rights and not let them railroad you! Here are some helpful gov depts. below for CA, 1. Jerry Brown Gov 2. L.A. County Board of Supervisors 3. L.A. County Council
  • Totally incompetent management of procedures. I know other Counties in Southern CA are doing similar which doesn't make it right but not that incredibly slow & backwards. People assume they are followiing guidelines but that's why depts get away with decisions like this. It does the opposite of helping this bankrupt State. I'm concerned because it has effectively harmed those of us that have a time sensitive need to record a business! I would think someone would file a class action suit against them by now.
  • I'm an LA resident who files my own items. It's easy. There is usually less than a 1/2 hour wait. I know there are recorder offices that are not as speedy. For clarification = can you please provide the exact difference in procedure before vs now. Are you saying that 3rd parties CANNOT stand in line and to get the documents recorded same day? only the individual connected to the recording can stand in line? Or are you saying if a 3rd party wants a same day filing, they have to stand in the regular line?
  • No they shouldn't and I applaud you efforts! Contact the L.A. County Management Council:
  • If you have the title (no lienholder) your father would sign of on the front of the title. The both of you should go to DMV (just in case) and they will have you sign on as the new owner on the back. You would inform the DMV that the transfer is a gift. A new title would be sent in your name only. If you do not have the title, it would be up to the lienholder to allow your father to be released from the loan.
  • I just arrived back from Iraq about a year ago and need lots of dental work done on my mouth, but can not recieve dental insurance through my work or school. I am however covered medically through the VA but not with Dental. I don't mind purchasing insurance but I need some that covers me for a lot of work. If it matters, my ETS date is May 21, 2008. I also would not mind paying cash for it but I would have to take out a loan and my credit isn't good enough for that and I can't find a cosigner. Please help a California Veteran of Opperation Iraqi Freedom!
  • Before you ETS, you can sign up for dental insurance through Tricare - united Concordia. They offer dental insurance for reservist, IRR, national guards. There is a 12 month commitment if you sign up. The maximum allowance that i have seen is around $1200 per year. That amount can help you toward dental care, but you would also have to put out some money for co-pay. Remember, you do not have to get all your dental work this year.
  • Do you know specifically what type of work is needed? Is it just minor fillings or major work like crowns & root canals & such? Check into Tri-Care as mentioned. But question the benefits. Some policies will require a waiting period on major work, some up to 12 months. If this is the case, it may not be worth trying to get insurance. If insurance doesn't seem to be feasible, check to see if there is a dental school near you. Dental students at varying levels have certain requirements that must be met. You will have to be evaluated and accepted into their program, but it can save you big $$$. You may also check w/ the VA to see if there are any dentists in your area that may do the work for veterans at a discounted rate or even for free. I think it is a shame that after what you have done that our armed services do not provide you with better care. THANK YOU for serving me & my country.
  • Great to have you back home, I am also a soldier so I understand your frustration. I have Tri-care dental, I believe its like $10 a month, but as others have said become familiar with the plan because there may be waiting periods, restrictions, and such. If it turns out not to be a feasible option, you may want to look into a dental discount program. Its not insurance, its a program that offers you major discounts on what you would pay out of pocket at the dentist's office. You can go to www.mybenefitsplus.com/trhonda2000 for more info, providers in your area, and a fee schedule that gives you the average amount you would pay for each service. Its 19.95/month for the entire household. Hope this helps, soldier to soldier, Trhonda
  • God bless u / your family 4 sreving your country have u tried medicaid?
  • In my state, the lien holder only needs to sign off on the title and its released. Then, you can sell it to a new owner. The month at the DMV comes after the new buyer registers it. CA may have different rules.
  • i don't think of there is something shady happening with the call here. it extremely is in all probability purely an excuse that they are utilising. i could bypass backtrack to the dealership at present and insist a clean set of temp plates and supply them a time shrink for buying your complicated plates. You paid for them they should gt them for you. do not proceed tochronic on expired plates. whether you should bypass to the dmv and get temp plates your self and report a grievance! bypass and raise heck with the broker. additionally call your lender as they might help placed slightly tension on the dealership. You do have evidence of possession in case you have a invoice of sale!
  • Kind of a lengthy question but please, I really need help. Ive been sick to my stomach with stress and I need a little relief. Im calling official lawyers on Monday, but thats too far away for me atm. I moved from California to Wisconsin to live in with a boyfriend on July 13 .. on August 20 I was admitted to a hospital for 8 days. At the time I had no job, no income, nothing. When we were in the hospital I filled out a form stating basically I was broke and owed $15000 in student loans. My boyfriend signed a paper saying he provided my food and housing until I found work, and provided a check stub. They said it was just to make sure I wasnt living with a millionaire. After about 2 wks of coming home, I started to get bills. Overal, I owe $47,000 in medical bills (no insurance.) Basically with the job I just got, and the bills I pay to live/help out the home with my boyfriend, I can only afford $20 a month to each different bill without being completely flat broke. My boyfriend however is very scared that he will be responsible for my bills if I cant pay them, to the point hes thinking I should move out. What I want to know is can he be legally responsible for MY unpaid debts because were living together? Were not married, dont intend to be married, nothing of the sort. But he is afraid that they will go after him, and possibly reposes a house he bought last year. I consoled him that IF they came after him, that I would immediately file for bankruptcy, even though I'm only 21 years old .. So my second question is, if I have to, is over 50,000 dollars of debt with med bills and school bills combined enough to get a bankrupcty going? I have no assets, and I only make $1,000 a month at a temporary job. Thanks.
  • He has no legal responsibility to pay the debt and the hospital could never collect against him. You COULD declare bankruptcy, but that wouldn't get rid of your student debt anyway. Contact the hospital and see if they could write it off or accept a payment plan.
  • The bf will be responsible only if he agreed to be responsible. If he signed an agreement to pay, then he is liable to pay it, even if you file a bankruptcy petition. If he didn't agree, then he is not liable. You can indeed declare bankruptcy, but I wounldn't recommend it. If you went to a non-profit hospital they will eventually write off the bill. I once had bill for $300,000 from an illness that inflicted my son. I signed a note, at 18 percent and made payments for a couple years and then they thanked me and wrote it off.
  • That will work but make sure if there is a mortgage with both names the both of you are responsible for the loan.
  • Quitclaim is fine. In connection with a divorce, there is no transfer tax to pay.
  • You have asked this question several times and the answers are the same. First, what you are doing is dishonest. However, based on your other posts, it doesn't seem to be a problem for you. 2nd. In order to get the new loan, you will have to lie and say that you are renting the old condo. The lender will require a signed lease. And at this time, they ARE verifing the lease to make sure that it's for real. 3rd. You continue to say that you have never refin, so you assume that the bank can't come after you for the balance. WRONG!!!!! The bank can come after you because the condo has been converted to a rental. You lose your protection. THE BANK WILL COME AFTER YOU and they will issue a 1099 to the IRS. The IRS will come after you for taxes (at the higher income tax rate) on the banks loss. The same rule applies. You have converted the condo to a rental, so all protections are lost. If you try to buy the new house as an investment property, the bank will charge you a higher rate and you will need to put down a larger deposit. If you lie here, it's FRAUD. Either way you look at it, you are committing FRAUD and you will get in trouble. Just because you had a baby is NOT grounds to give away the condo. Sell it or rent it out.
  • It won't work. The problem is getting the financing for the second house. If you can't afford the first one or owe a lot on it, you won't have a debt-to-income ratio high enough to be able to buy the second house. Also, when you get foreclosed on, the bank will put a lien on your other home or any other assets you own. Also, if you intentionally do this, it could be considered fraud and you could end up living in a jail cell instead.
  • I have hear that thing a lot, but actually don't know any one who has done that, you guys think is more like an urban legend for this times? I thought it was possible because I tough the bank will take the old house (suppose it sell even) and close the account in good shape. or in the worst case you will be paying the difference.
  • The program is alive and well. The student loan forgiveness is being used right now by volunteers for Free Open University. *** ****** this is actually the program proposed by Dan Quayle. You liked it when the republican first proposed it. But now you cry because democrats passed it. Go to Free Open University and sign up and after 10 years of volunteer service, you student loans will be forgiven. Doesn't get any better than that. It is the same program Ronald Reagan proposed in California back when he was a Democrat It is now law, so come on and sign up. ****** ***
  • The law has already been signed on. You can check with Americorps, though it was only passed this week, so you aren't likely to find a complete program this early. It isn't 'free college'. It is an allowance, just as Americorps has always done, which provides some aid to college students and seniors for educational expenses in return for service within your community. It won't pay for your college...just help you out with expenses.
  • It's already available in the AmeriCorps Program--you work for about 9-10 months and then you get about $5000 for college. It's not free college for anything--you still might to get some financial aid, depending on where you go. Next time why don't you finish the rest of the article and you might find the right information.
  • Obama signed the Serve America Act two days ago and it goes into effect October 1. This expands the number of volunteer positions in AmeriCorps from 75,000 to 250,000. Knock yourself out, and you're welcome. I worked hard for the tax dollars that will pay for it. Nothing is free. http://www.opencongress.org/bill/110-s34...http://www.americorps.gov/about/newsroom...Edit - AmeriCorps IS community service. Snap out of it.
  • Please dont fall for it! You can earn way much more money for college by getting an actual JOB! Seriously.. do the math.. 9-10 months of community service.. for $5000.. HAHAHAHAHAH Thats like making 7000 a year!!! HAHAHAHAHAHAHA Obama is such a great president! I bow to the east 5 times a day for him!
  • Here it is. http://www.opencongress.org/bill/110-h28...Turn off the radio and try paying attention.
  • Half past never...you can get the rest of his promises at that precise time as well. Due to the stimulus our country will be broke for decades- nothing he promised will ever be able to happen.
  • just hoping for a new opportunity for you and your slack jawed mouth breathing cronies to say he's doing too much?
  • When Obama's home freezes over..
  • He lied.
  • I sold my car to this guy and we went to my bank to take care of the paper work and then the check came back returned because my bank forgot to have him sign it. Now my buyer is very hard to get a hold of and he is not calling, either me or my bank back to come back and sign the check. What kind of legal action can I take and if theres anything I can do who should I go after my bank or my buyer?
  • If it was me, I would go get the car - if I knew where he lived! I think it is your responsibility - not your banks - to resolve the situtation. You may be able to report the situation to the DMV to prevent him from registering the car in his name until he pays up. If he hasn't registered the car yet, you may even be able to report it as stolen. Keep calling, and good luck.
  • Sorry to hear about your inconvenience. the first thing you should do is talk to a lawyer, and have him send a letter to the buyer, lots of times it does the job. If he still doesn't get back to you there are lawful ways to solve the matter, if you have paperwork proving that he bought the car and the check was the form of payment. For additional details, it's better too talk to a lawyer in your state, as the law may differ in different states. I sincerely hope you resolve the situation speedily, and with no more trouble!!
  • Please tell me you didn't sign over the pink slip of the car before you safely and securely received/deposited the funds. (sigh) Your bank isn't responsible for this ... the car buyer is. Depending on how much money is involved, contact a lawyer or take the buyer to small claims court ($5000 limit.) It may be worth a few hundred dollars of lawyer fees to get this resolved. He "forgot" to sign his check??? Hmmm.... I don't think so.... especially now that he won't call or come in to sign it. I smell a scam.... I smell a scam.......
  • Good question! You need access to your Legal Rights! Click the link below and follow the steps to watch an online presentation about the benefits of having access to an Attorney 24/7!
  • attended court today and the judge ordered both parties to have investigations involved, being we both have made claims about each other. All I was requesting was joint physical and legal custody, but, the Respondent is seeking full physical and legal custody. However, after further reviewing my case and all pertinent information in regards to this matter, I feel that it would be in the best interest of my son to be with me, his father. For many reasons that I would like to further discuss, that even the investigator him self was shell shocked to hear. The Respondent is completely violent and an angry person. A.She has a past history of using marijuana, speed, and other control substances B.Has Been Domestically Violent towards me (I have police reports and pics of me scratched up) C.Respondent is incapable of working and has not worked for 4 years D.Respondent is unfit to take care herself, that is why she works as a prostitute And I have several emails of her soliciting for money. Saying she charges traveling and overnight charge E.On several occasions Respondent would take her daughter on these trips, to go play hooker and be with guys, Such as Walt Disney World in Florida, and Sea World in San Diego, Ca, (I have emails to support this) F.One incident she left her daughter home alone to go be with another guy, her daughter then left the house looking for her mother, to only be found several blocks away by a couple, cops were called (Police Report) G.Respondent has a past history of violence with her daughters Father. (Police Reports) H.Works as a stripper out of her surrounding cities, in Ca. Nickname Lily but does more "Prostitution" I know where this location is. . I.Respondents daughter does not live with her mother because she is very much traumatized and afraid her mom will dump her off, to go be prostitute for the night, according to her own daughter. J.I have witnessed Respondents interaction with her own daughter, and she yells and can be violent to her own daughter, threatening to spank her if she (daughter) does not listen to mother. K.Respondent has already committed PERJURY by lying on County DCSS Income and Expense Declaration and being currently investigated by Attorney for my local city L.Respondent has lied to receive Medi Cal Services in the county she resides and when in fact she did not need it. She lied about not owning a home, jaguar, property taxes, assets and income, All while knowing this is FRAUD in the State of California. (I have Property Tax info, Loan Docs and House Deed to support this) That she is does own a house. Docs she signed and is obligated for. M. She has admitted to me that she smoked weed in her apartment while our son was in the other room, this occurred beginning of August. N. She has not reported her income to the IRS for past three to four years, which says alot. She already has possibly FRAUD and PERJURY, But possibly Now TAX EVASION, . O. She pays an estimated 45k in mortgage and property taxes and has a paid off Jag, but she does not work according to her Docs, Huge RED FLAG. P. Her neighbors apartment has been raided twice for drugs, and yet they still sell drugs. Being I know all of this she feels that she must bash me by making up false accusations about me, However, I am very well prepared and can support every single claim that I noted above. She on the other hand cannot, but merely do her best to make me look bad. I feel it would just be in the best interest of my son to reside and live with me, I would strongly recommend anger management classes, domestic violent classes, and have her come to my city for supervised visits. Should I go for Full Custody, while this is being investigated? I have two weeks before my next court date, I asked for joint, but maybe I should go full. What do you guys think, any advice would be great. 6 minutes ago - 3 days left to answer.
  • You seem to have enough documentation to attempt full custody. If you go for it, yet offer her very generous visitation rights, you may look like you only have your childs best interest at heart and not just look like you are trying to piss all over the woman.
  • Yes, seek full custody immediately. You'll have to explain why you changed your mind. Make your answer about the welfare of the child. Don't try to move or make any major life changes until you have full legal and physical. Even a short move could potentially stir up a hornet's nest. They perjury, fraud, and lies will be a dead end. Just report the crimes and let it go. Do what you can to get her locked up; that is the most useful tool you have going for you. Let her be her own worst enemy. ***Focus on the health and safety of the child.**** Don't waste time trying to be heard on the small things. Don't rely on, or expect the evaluators, investigators, or judge to seek out the truth; they get paid either way and don't have to answer for a wrong decision. Don't bring up anything that could be construed as mud-slinging, even if it is true, unless you have a document that the court can legally consider. Most "evidence" is hearsay and not admissible. Focus on, A.B.F.G.M.P.
  • I love how people tell you to "stay out of it" and that it his kid and his problem. He's your fiance! You're going to be married to this guy, therefore it is very much your business. Especially if the child is going to be living with you. What are people thinking? They've obviously never been in a situation remotely close to yours. I think you should definitely go. It shows the court that you're a stable family and that you will be a good role model to the child. It doesn't matter if you don't say anything. Just being there will say a lot. Try not to get stressed out. Maybe you can go for a relaxing massage afterwards? Good luck hon, I'm kind of in your situation so I know what it's like.
  • The only time the judge will give custody to Father is if they can prove mother unfit or child in danger drugs and alcohol,seems like you got all,I would go for full and seek supervised visitation,Your child cannot defend for self so you have to fight for him.
  • I attended court today and the judge ordered both parties to have investigations involved, being we both have made claims about each other. All I was requesting was joint physical and legal custody, but, the Respondent is seeking full physical and legal custody. However, after further reviewing my case and all pertinent information in regards to this matter, I feel that it would be in the best interest of my son to be with me, his father. For many reasons that I would like to further discuss, that even the investigator him self was shell shocked to hear. The Respondent is completely violent and an angry person. A.She has a past history of using marijuana, speed, and other control substances B.Has Been Domestically Violent towards me (I have police reports and pics of me scratched up) C.Respondent is incapable of working and has not worked for 4 years D.Respondent is unfit to take care herself, that is why she works as a prostitute And I have several emails of her soliciting for money. Saying she charges traveling and overnight charge E.On several occasions Respondent would take her daughter on these trips, to go play hooker and be with guys, Such as Walt Disney World in Florida, and Sea World in San Diego, Ca, (I have emails to support this) F.One incident she left her daughter home alone to go be with another guy, her daughter then left the house looking for her mother, to only be found several blocks away by a couple, cops were called (Police Report) G.Respondent has a past history of violence with her daughters Father. (Police Reports) H.Works as a stripper out of her surrounding cities, in Ca. Nickname Lily but does more "Prostitution" I know where this location is. . I.Respondents daughter does not live with her mother because she is very much traumatized and afraid her mom will dump her off, to go be prostitute for the night, according to her own daughter. J.I have witnessed Respondents interaction with her own daughter, and she yells and can be violent to her own daughter, threatening to spank her if she (daughter) does not listen to mother. K.Respondent has already committed PERJURY by lying on County DCSS Income and Expense Declaration and being currently investigated by Attorney for my local city L.Respondent has lied to receive Medi Cal Services in the county she resides and when in fact she did not need it. She lied about not owning a home, jaguar, property taxes, assets and income, All while knowing this is FRAUD in the State of California. (I have Property Tax info, Loan Docs and House Deed to support this) That she is does own a house. Docs she signed and is obligated for. M. She has admitted to me that she smoked weed in her apartment while our son was in the other room, this occurred beginning of August. N. She has not reported her income to the IRS for past three to four years, which says alot. She already has possibly FRAUD and PERJURY, But possibly Now TAX EVASION, . O. She pays an estimated 45k in mortgage and property taxes and has a paid off Jag, but she does not work according to her Docs, Huge RED FLAG. P. Her neighbors apartment has been raided twice for drugs, and yet they still sell drugs. Being I know all of this she feels that she must bash me by making up false accusations about me, However, I am very well prepared and can support every single claim that I noted above. She on the other hand cannot, but merely do her best to make me look bad. I feel it would just be in the best interest of my son to reside and live with me, I would strongly recommend anger management classes, domestic violent classes, and have her come to my city for supervised visits. Should I go for Full Custody, while this is being investigated? I have two weeks before my next court date, I asked for joint, but maybe I should go full. What do you guys think, any advice would be great.
  • Go for full. And give the reasons you stated above. Also, require that the respondent, mom, only have visitation until she is out of these situations and that she take anger management courses, too. Make her do the gamut... she will back off. I got full custody of my children and my ex was actually a good dad at the time. But I proved to the courts that the man would leave in a heartbeat and really didn't want his children he only wanted to fight me on custody for leverage. It is a common tactic but you need to play it, too.
  • I'm sorry to be a negative nancy, but if the father has any chance of getting custody of your daughter, you must have a bad past, or he must have a lot of money. If him having a lot of money is the case, then you don't have much of a chance of keeping sole custody to yourself. No judge in his right mind will give him sole custody regardless what the felony is, unless you have a REALLY bad past. If you do have a bad past get a lawyer. If he has a lot of money and you have a clean background, get a lawyer, you will end up making it up in child support anyway. It sounds like you think you're capable of raising the child, but as some1 else said, it really is best for the child to have both parents. If the father isn't a complete D-bag, then try joint-custody, that's how i was raised and i turned out okay:)
  • I was stuck in a similiar situation, and the best thing for you to do if you're not doing it already is to stay on the straight n' narrow, watch what you do, watch what you say and especially in front of your child. The judge doesn't take it too lightly when they speak to a child and the child says a parent is speaking bad about the other parent, even if the bad things being said are 110% true. I was like you, had evidence my ex was unfit to parent our son, and I took it all the way and was awarded custody. I proved him unfit to be a parent. If your child is school age, I'm assuming he/she is, go to ALL the school functions, make friends with the teachers, make your presence KNOWN, this way if they get an attorney involved with your child like they did with my son, YOU will have the upper hand. It will show you're responsible and capable. If your ex is truly the piece of sh*t that you're stating, then she probably won't be doing any of those things for her child. Keep on doing your thing. It's gonna be a long and rough road but it will be well worth it because it's for the welfare of your child. Keep dates of stuff that happens, hold on to police reports, and do all of that because although she is a piece of crap, the judge wants BOTH parents to be equally involved UNLESS one parent is a danger to the child. I suggest to take parenting classes, anger management, do drug testing, WHATEVER the court asks of you, you do it. This will look good for you especially if she doesn't do it. I wish you the best. I've been where you're at and I know how you feel.
  • truth is, most parents of the last generation or two smoke pot, or drink from time to time. While i don't do either anymore, i don't think this is grounds for custody - unless your children are in the SAME room or the parent invites a minor child to join them in their substance abuse. I would talk with the attorney. and also talk with the child. Does he want to live with you or his mother? Is he old enough in the eyes of the court to make this decision for himself? (you didn't mention his age). Sometimes the Judge will speak with children to ask them what their wishes might be. Parents don't often think of the child's wishes. Your ex's behavior isn't that great - she has low values, and likely low self-worth. Present your complaints to your legal counsel, and make sure you have witnesses who are willing to take the time out of their lives to testify against your ex... anyone can make up stores, but if there are witnesses, this helps. take care and i hope things work out.
  • You should go for full custody!! You have a very high chance of getting custody of your child.. I know this girl that posts ad's on craigslist and used to have me watching her kid 6 days a week!! Most prostitutes dont care about their kids.. They are addicted to money.. You have so much against her and its not just your word, You have proof.. And that gives you the leadway!! And also they are probably investigating her and you.. To see whats true and whats not.. To figure out who's more fit and what not.. Its part of the process so dont freak out.. Iv gone thru this.. If you ever need anyone to talk to.. Email me :]
  • Go for full custody. Your children do not need to live in an environment with they mother. She only needs visitation (maybe supervised until she changes her way of life. Sounds to me like you have a rock solid case. My son is going thru the same experience and my prayers are with you. It is your childrer who matter and you seem like the one who want them to be raised in a healthth environment Good luck!
  • If everything you say is true and justified I would make sure she only has supervised visits. Im not going to bash a woman that I dont know. I am a mother and I would never keep my son from his father if he actually wanted to see him. So many women do that for leverage or because they are bitter and its selfish and disgusting. However if you are being honest you owe it to your child to get him safe and he wouldnt be safe with her
  • Hello, are you willing to go part time and allow your CHILD whom YOU are to PROTECT be alone with his mother whom is hanging out with questionable people, uses drugs, and has sex for money? Unless that is what you want your child to be raised around and the chance to be left alone or with someone that could harm your child, but if it was my child no way I would fight with all that I could to give my child the best and peaceful environement I could. And besides if you win and your child gets older all he will have to do is talk to her and realize you made the best choice. Shoot you should just pay her money to keep her out of your lives.
  • sounds like u need to get full custody and u will win if u have proof of everything us stated and some how get pics and ask for a drugs test and how old is the daughter? is she old enough to testify/? good luck hope u get him
  • Go for temp full custody and attach affidavits proving some of the easiest charges. Ask for support too.
  • I am a junior in my undergrad, getting ready to sign up for the MCATs and hoping to go on to medical school. However, I would like to apply to some master's programs as back ups (in case I don't get into the Med schools I want, I don't get enough loans, etc etc.). Do I need to take the GREs as well for the masters programs, or in general can I use my MCAT scores? (I know it probably varies school to school, but I am mostly looking at the University of California system).
  • You need to take the GREs in order to be eligible for admission to graduate master's programs. They are completely different tests.
  • So basically, I got screwed over. I signed an apartment lease in California with two other roommates. The manager let us use all of our parents as Guarantors, so the responsibility was equal. The receptionist explained that though there are 3 guarantors, "imagine it as one Guarantor. We don't care if one parent can't pay their share that they agreed with each other, if ALL the money due is not paid, everyone is responsible." Everything was completely fine. The apartments were pretty overpriced, but we could all afford our share. My roommate (the one I was sharing a roommate with) texted me 3 weeks ago, saying she could no longer afford it because she lost her job. She desired to cancel. The OTHER roommate (very wealthy girl, her father makes close to a million a year) was incredibly pissed. This whole ordeal happened but after a week, we all agreed to cancel. Rich girl's dad hired a lawyer who looked over the lease to make sure that cancelling wouldn't hurt his credit. He cares A LOT about his credit, so please note that. We all signed the cancellation form, and everything was officially. I, however, cancelled under false pretenses, which I was pretty pissed about. Turns out my roommate who lost her job didn't actually lose her job, she cancelled because she was "fearful of living with me" because I had a father who was in prison. My father's been away for 17 years, I should not be responsible for his actions. I found this out AFTER I cancelled. Anyway, I got off topic. The complex is charging us 24,000 and wants it in 15 days otherwise it's going to a collection agency. They assured that if the room is rented out, we owe the months that it took and the difference, if the new renters pay less. This isn't the question I asked, but if anyone knows, that would be appreciated. My parents and I can't pay our share (I doubt the girl who lied to me can pay her share either, her parents make less than mine). There is no doubt about that. I understand that this would be sent to a collection agency and all our credit would be greatly affected, but we just don't have 7,000 dollars. We don't qualify for any loans, etc. I'm thinking rich girl's dad will end up paying - not without some sort of fight of course. However, rich chick is on my side because her and her dad did not agree with the reason my other roommate cancelled, so they're pretty pissed at them. What do you guys think? I don't mind paying the money I owe in portions (like a bill) but he cares SO MUCH about his credit, and his credit will suffer just like everyone else's will, and I can't see him letting that happen. I am in a huge pickle. I apologize for my sob story. I wrote it just in case a reader might be able to help me out and input their opinion on where I go from here (nothing rude, people). I want to post an ad for the available room (the one we were going to rent out) on Craigslist. I don't know if that's legal, but there's got to be a way it is possible. If anyone knows, let me know. Thanks.
  • You can't advertise the rental because you cancelled the lease WITH penalty. If you stayed on and found subletters (if the lease allowed for it), you would have been better off. Everything you've said is the truth and will happen. You will be sent to collections to collect whatever is due, if they can't find a tenant. Every guarantor is liable which means together they owe the total $24,000 divided by three so everyone pays $8000 plus you lose the security deposit. You can negotiate with the management company saying you are willing to do payment plans and that you are amendable to putting that in writing. See what they say (they will most likely agree since that means they don't have to pay a collection company some money, at least for your portion). If the father wants to pay it on your behalf and you can make a payment plan with him, then do that. But again, you cannot advertise the property since you do not own it, live in it, have a lease to it, etc.
  • There has been an ernormous outcry for help from students associated with School fraud with Gibbs College / Katherine Gibbs and parent company Career Education Corp. There are soooo many students in my situation with no help who have been decieved and owe thousands in school loans. We cant get jobs or transfer credits with the education aquired from gibbs because they arent accredited but it was not told to us upon sign up. How can I file a lawsuit. Culinary students in California recieved a $40 mill settlement with parent company Career Education Corp. There are hundreds upon hundreds of students in NY and NJ who need help. What can we do?
  • If more than just you, find a Lawyer to handle this and file a class action lawsuit against them. Now just because there has been a previous case with a huge award, you will have no guarantee that youll get the same result but you can try and pray
  • My dad is in the navy, and we just moved back to Norfolk VA. from Japan. They had lots of different foods, but they had a really sweet tea, and it can be made into frosties, or warmed up, it's really versatile, and tastes fantastic. Some numbers i found showed tea stands who sold these in California and Washington Markets... (West Coast near Japan, but also home to other naval bases) did very well. Thus i want to start a shop at the mall near Norfolk (The biggest naval base in the US) I think it would do very well here too, and once word spread, others in the area which is fairly high class would want to try the product as well. Does all this seem logical? I need other peoples views, and my mom is really sick of hearing all of my business ideas. Any comments or suggestions would be really appreciated! Thanks!!!
  • I think it is a great idea. Nothing ventured, nothing gained. Start advertising before you open. Don`t sign a lease util you see how it is doing. Ask for a contingent lease. Talk to a lawyer. Make a business plan. If you are going to get a business loan you will need one. Find out where you can buy the ingredients. The tables, counter, etc. It is unique and that is what the business world needs to succeed. Good Luck.
  • Absolutely positively worth it, I've done a bit of selling myself and it has always paid off in a big way. Just keep the seasons in mind, for instance, you might try heating up the tea for the winter months and selling it cold in the summer. Also, a major sales tip, especially if you are young, is to tell people why you are selling your product. Are you giving the money to your church, are you trying to pay private school tuition? I used to be embarrassed of it but people are really supportive of you if they think you are working for some good.
  • Yea I am in the food concesion biz and this owuld be big bucks if you do it right see Now I do ebay part time in winter and food concessions in summer I do 150 K turn food to cash see http://stores.ebay.com/robs-famous-shopp... http://www.robsfamous.com
  • I have been attending a Vocational Nursing program in California for the past 8 months as a part-time student. Regarding on my school that I have been attending, my school has been changing their policy every term, but most of the term every month. Policies would include, grading, retaking exams, requirements. Is that even possible? I've signed up knowing their terms/policies 'til they changed everything, and now every single one of us in class are complaining and wants to move to another school. According to their policy, (which I do not know if they changed it either), they will NOT be able to give us our transcript to transfer to another school. Is that even legal, knowing we paid for it and we finished it. We have grants/loans and we are sure that they have received checks from our grants. The school is also under provision, the name of the school is Career Development Institute. The person that is running the school / business are mother-daughter. What should we do in regards to our education?
  • If you have no unpaid fees (including tuition, school store charges, library charges, etc.) the school CAN NOT withhold your transcript. If you are transferring schools, they may have a policy stating that they will hold your transcript until your new school requests it from them (they don't want to just print out your transcript and hand it to you for legal reasons, they want to make sure it gets into the right hands). If you have a new school, have them request your transcript, if your old school refuses, seek legal advice.
  • Is this an accredited institution? My advice is to get everyone together, pool your money and hire a lawyer for an hour. This is the sort of thing you want real advice on.
  • So my car was parked and impounded due to expired registration and the impound lot refuses to give my my car back until all "pending items" on my registration application are taken off, IE: smog check, fees, vin verification, brake & light inspection, and the lien satisfaction. This impound lot took 4 hours of my life and made me pay $2,100 to the DMV and then they said they'd give me my car back. Didn't happen, I think they want it to sit there and charge me more storage fees because it's a Mercedes. Anyway, everything is off of my DMV paperwork except for the lien satisfaction, and the brake light inspection. They said they'd release the car to me if I only had the brake light inspection on. So, the root of my question is this. Will the California DMV accept a faxed notarized letter of the lien satisfaction? It was a loan I had on the car, but later paid off. When I called my bank (USAA) they told me that it would be faster if I called them while I was at the DMV on Monday and have them talk to the DMV agent, and fax them the documentation signed by them and a notary. Would the DMV accept this seeing as though they are verifying over the phone that the lien is gone, and the fax is coming from USAA? Thanks for all your help! :)
  • As it is Saturday, nothing will be done. They should accept the fax from USAA.
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  • Between 3 to 5k. I would go to school on your own and avoid any company run school. C R England, Swift etc. you actually take out a loan for the school. Then if you make it through (most don't) you have to drive for them for a year. If for any reason you don't you are on the hook for the loan. They will lay you off due to lack of miles then hire someone else to do the same job. Scam!
  • Nothing in life is free. Truck driving is a course that lasts six weeks and costs $7000.00. Learning at an established company is not the best way to go. CR England, Swift, JB Hunt, and a few others will push you beyond your limits and hold the, you owe us attitude a long time. Best to go to a reputable school and learn it from the bottom up. Then you have to work for low pay, and crappy trucks for two years anyway but I'll explain the difference in a minute. After that the world will open up for you. I say go to a driving school because they will teach you realistically how to drive a truck, and how to deal with log book regulations, and at the end, you will owe them nothing. Dispatchers in all trucking companies are fixated on the all mighty dollar. You are just a prop or dollar sign so they can go on vacations, buy new cars, houses and get all the women they can, while you drive mile after mile struggling to make time for your life. If you owe them, it's much worse and they will collect it from you. That contract you sign basically states that if you leave after x amount of months, they can sue you for the balance owing. They will collect it and it does get very ugly. Their attitude is you owe us and we don't care if you have a wedding, funeral, or things in life you want to do. They will dangle that contract in your face and life is miserable for at least two years. It sounds like a short time but it isn't and they will dangle it in front of you until you scream uncle...then they'll push harder. There is enough stress in trucking and you will wish you went to a proper school and began your real on the road training where you want to be not where you have to be. Trust me on this or not and find out for yourself.
  • Two things: 1) Your sale actually has to go through. A binding contract is not enough 2) A binding contract is a signed and executed contract that is completed by your real estate agent. Many states or municipalities have a uniform form (like California), but places like Nevada let agents make up their own contracts. See your agent for details.
  • To get the tax credit, two dates are important. April 30 - Must have binding contract. That just means that both buyer and seller have agreed to the terms of the contract. At the bottom of page7 of the Texas contract, it must have a date no later than April 30. Since the 30th is a Friday, and acceptance can happen right up until midnight, many of these contracts won't get to title companies for escrow until Monday. (THAT DOES NOT MATTER) The effective date is the date that the party who placed the last signature or initials of acceptance of terms NOTIFIES the other party that it is complete. So if you sign on Friday, but your Realtor notifies the other Realtor on Saturday, then Saturday is the effective date. (I expect that most contracts signed that weekend will show up at the title company on Monday morning with an April 30th effective date written in......) Inspections, appraisals and financing contingencies can happen between April 30 and June 30. June 30 - BLACK WEDNESDAY - Will be an extremely busy day at title companies. Your purchase must FUND by this day. When it funds, title transfers. Don't wait to close on this day because alot of banks are going to run out of funds to fund that day - and their buyers will lose either $8,000 or $6,500 due to the delay. (I expect there will be alot of title companies leaving the dates as June 30 for prorations and funding on the settlement statements even though they don't fund that day.......)
  • A "binding sales contract' is one in which both parties to the contract have signed, and from which all contingencies have been removed. Therefore, inspection and financing contingencies must be removed in written signed format by the buyer involved. Basically, the contract can no longer have any 'outs' available to either of the parties involved.
  • Most cities require a Permit nor are you able to name it an Estate Sale due to the fact that that suggests you're taking away a Deceased individual's assets. Yes a few states require Sales Tax. Your County Treasurer's workplace can reply that question
  • My Mom was just informed her wages at work were going to be garnished due to her lovely ex-husband. In 1994 he did not pay taxes on a very profitable crabbing year in Bristol Bay. He evidently told them that he has no money but they might want to try and go after his her seeing as though they were married at the time. This week's paycheck they took 3/4!! Leaving her with $400!! She has a mortgage, a car payment and not to mention a 16 year old son now living at home because his father "is over it." 2 weeks ago he put my 2 brother's on a plane from California to Washington State to live with her because "he can't handle teenagers." I guess my question(s) are, can they really take that much money?!! Just because they were married...why is she solely responsible? It was his income...under his name! What should she do? I hate to see her loose her house and everything else she's worked so hard for after leaving this man over 15 years ago!
  • yes they can. They the IRS are worse than the local loan shark. Ask her to go down to IRS and speak to them face to face. She may have signed the income tax filing with her husband, but they have a form, (if not too late) that she swears she did not know what he was doing when filing taxes. I think the name is uninformed spouse. As for the children, she needs to get an attorney and make him pay 17% support, for each minor child,
  • Unfortunately I watched someone have an issue similar to this. Yes the IRS can take that much. Still, it wouldn't hurt for her to speak to them about a possible payment plan. She's probably responsible for half the debt. I know she didn't do this. However, if she let him file the taxes every year, and she was listed on a joint return, and she didn't know he wasn't declaring his entire income, she's jointly responsible. I'm sorry. He can't just tell them he doesn't have money. But he can work "under the table" and not show up in the system. That's the problem. Your mom has a real job that pays real taxes and she uses her ssn to file those taxes. I hope she can get help with this. Sorry.
  • well, there must be something you are missing from this story... see, my ex and i were sent a letter first, stating that he owed this $4000 on his business, and that if he didnt pay, the of course, having been married to him, i would have been responsible.. she should have taken care of this when she received the first letter... and they send quite a few, and give you plenty of time.. i had my accountant file a "innocent spouse relief" form, which basically said that i had no financial responsibility for this $4 as the business wasnt mine and the back taxes weren't my fault, and they removed my name from the bill.. he could have disputed it, but he wont... and didnt leaving him solely responsible.. if she didnt act when she got the first letter, its her fault for letting it get this far, and i dont think there's much she can do now that they got the garnishment order... she can call the IRS or even a good accountant and ask if there is anything she can do, but i doubt it.. good luck
  • Tell her to hire a forensic accountant (I had to do this when the tax dept came after taxes they said should have been paid when my ex bought me out of our marital home) and I won and never had to pay a cent. Just starting the investigation in official channels with an accountant may stop the garnishee until the case is proven one way or the other. In my case, I was found to be "dealing at arms length" and the tax dept had no business coming after me as it was entirely my ex's father's fault for the way things were done. (my ex paid me out of proceeds from the sale of his fathers commercial property so the tax dept said I had profited...yeah, gimme a break!) Anyway...it took a while (two years) but I won so it was all good in the end. Also, she needs to see a lawyer....her ex needs to be paying her child support :)
  • He's one bitter b*stard, isn't he. Yes, there is something you can do, first make an appointment to see a tax consultant or better a tax lawyer and get the right info. the tax department will take from anyone they can, they don't care if it's wrong or right and they sure as he*l won't tell you otherwise. The tough part is, it may cost to get him into court. But do talk with someone, this is not right.
  • Your Mum needs to do two things, as soon as tomorrow. First she HAS to see lawyer specializing in Taxation, and see if she is responsible for this debt, and if so, whether she can come to a more reasonable arrangements with regards to repayments. Second she goes to Child support services and informs them that all three children are back in her care, and that she wants a support order made out against your Dad, so he can start paying her that money. That may help a bit too.
  • i became with you till I study the final be conscious "Georgia". the two GA has succeeded from the Union, or we could consistently exchange the call to "corrupt". You guess your existence if I good a examine, giving the different individual their funds does not get me off the hook. yet you're up against the "circling of the wagons". they'll pull their guy interior and circle around him, making it impossible so which you will get to him. This disturbs me a great deal (study my profile) by using fact that's in simple terms proves that a deputy who could understand greater effective is authorized to hold a gun and a badge. Get a replica of the examine from the IRS and pass on your financial business enterprise and report sign a forgery affidavit. Take the affidavit to the Justice of the Peace choose and ask for a warrant. bypass the sheriff.
  • She might need to talk to a tax lawyer. It's a serious situation, and she needs to know exactly what her rights and responsibilities are. Unfortunately, it doesn't matter whose income it was - she may still be held responsible for the back taxes if they were married at the time.
  • Koshu is absolutely correct on the "uniformed spouse" thing!! Take a look at the IRS publications on this and have her get a tax lawyer ASAP!! My ex-MIL had the same thing happen to her, only it happened for 20 years of filings....yikes. anyhoo, have her get an attorney.
  • I have never known of anyone this has happened to. It seems like she could write a letter or do something. How is it fair that she is getting stuck with all this? I'm with you this is bad, and I have no idea how they can do it! xox
  • I have a major problem. I'm 13 and I live in Los Angeles, California. I signed up for this computer class that I was really interested in, and it starts in my neighborhood in January 2009. They're giving me until then to buy a nice laptop. That's right, I have to buy this laptop, and I only have a few months to do it. I need like $1,500 by January otherwise I won't be able to attend this class. I'm getting frustrated, my mom can't afford it, is there any way I can get this kind of money by that time.
  • Okay, you're 13. Relax, if you can't then there's heaps of other opportunities! Try renting/loaning a laptop, and pay week by week or something. to get money, you should go around the neighborhood and do jobs for money like walking dogs, mowing the lawn and etc. Or ask your parents to pay you for doing chores. Don't sweat it, remember there's always opportunities ahead of you.!
  • I bought a refurbished dell precision M60 with a huge display, lots of RAM, big hard drive, win XP and a built in wireless off E-Bay for $400. Corporations buy all their employees computers, and whent he support period expires after 3 years, they replace them all. This company buys the used ones, scrubs the hard drive and resells them on E-Bay.
  • you can go to aarons and rent one until the class is over or. You can ask your mom to get a store credit card (walmart,best buy,circuit city) or anywhere that sells laptops and charge it the card and pay at most 20 dollars a month to pay for it
  • The agenda is stealing money. Cap and trade as one example. Cut the Co2 emmisions coming out of your lungs, if Co2 is a problem. If liberals wanted to reduce dependence on foreign fuel, they would not block, shale oil,natural gas drilling, oil drilling, nuclear power plants, solar power in the desert(illegal in California). If you want to live a liberal/socialist dream, move to Cuba. If you become a doctor there, you can make $14 a month. The loan gaurentees for nuclear power plants in Georgia in the news was a law signed by George Bush in 2005, nothing to do wtih Obama.
  • 1. Redistribution is central to socialism and the power to tax energy use is political power to reward friends and punish enemies. 2. self evident 3. The goal should be based on reality. Reducing CO2 is a bogus cause. Their movement has nothing to do with valid goals of reducing pollution or increasing national security. It isn't about energy independence or security. It is just a distraction used by a leftist political movement. When you don't accurately state problems, the solutions you chose are generally worthless. All of their solutions make the actual problems worse. John McCain is an idiot politician. Thatcher used the problem as a weapon against socialist coal miners. It wasn't a genuine concern except from the point of view of national security. She was pushing for nuclear power plants to be built to add security to their energy supplies.
  • Many of the "movements" and "protests" over the past 50 years were efforts by the USSR to disrupt western society & industry. Many of the efforts were unsuccessful or even counter-productive as the west is highly adaptive. America's reactions in the 1960s to 1970s to the civil rights movement and the environmental (not global warming) movement are good examples. A huge success for the USSR was the Vietnam-era anti-war movement, which caused the west (America in particular) to abandon a UN member (South Vietnam) to invasion by a foreign army equipped with Soviet tanks. The fact the USSR is gone does not change the tendency toward such movements & protests - much of the press and academia is composed of people who believed in the USSR and wish it was back. It takes little to get them to cut the throat of the west. Note that funding is more difficult for the instigators, even with the PRC taking up some of the slack and operating some of the old Soviet networks. That may be the underlying reason for the "carbon offsets" and "carbon tax" BS one sees. They are attempts by the instigators to make money from the movement in question. Also note that the USSR and the PRC were/are environmental catastrophes. The PRC's behavior during the global warming debate is typical of old-style Soviet disinformation, with the PRC claiming to be a pristine "vicitm" country in expectation of a wealth-transfer from the west. The PRC abruptly backed away from some of the issues when it was pointed out China is a horrible + increasing polluter and that simply denying (Soviet style) one pollutes is not the same as not polluting. However, the western Left swallows the Big Lie quite easily. It's very clear global warming is real. It is equally clear the > current < cycle of global warming started about 12,000 years ago - with the end of the last ice age. That is why the Sahara was grassland 11,000 years ago and is now desert. The fact global warming started when there were almost no people and certainly no automobiles is a good indication that human activity is not the cause. That also means - for good or bad - we cannot be the solution. Any money raised by "carbon offsets" or "carbon taxes" is basically money wasted - unless you view AGW research as an employment program. Lost in the debate are the needs to reduce pollution (especially in countries like China & India) and to study the Earth so we can adjust to its changes. The Earth appears to be at the end of a warming cycle and can be expected to begin cooling "soon" (in geological terms). That could be tomorrow or it could be thousands of years in the future. Global temperature is the result of interactions between the Earth and the Sun that we don't understand and can't predict. If you do believe in AGW then remember to stop by the PRC Embassy on your way home tonight and pay your carbon tax. Al Gore gets a cut.....
  • The agenda behind global warming is different for different people. Some have a sincere desire to have a cleaner environment. Others are sincerely scared that the earth will be destroyed from hot temperatures via rising ocean levels or other happen stance. Still others are in it for the money and don't care who it hurts as long as they get wealthy. Green jobs are good but not greed at the expense of others. Excessive cost and taxation must be watched. As far as reducing emissions, yes this is a good thing mostly for the environment - not because the earth is warming. Also, it would be great not to have to depend on foreign fuel, especially from those who are killing our brave soldiers while we buy their oil.
  • first of all evaluate that "international warming" because of the whole "climategate" subject is now not stated as "international warming" yet "climate exchange". that would desire to allow you recognize something. 2d, evaluate that the optimal "professionals" have now been fired over the whole scam. i don't even hassle with citation marks right here, because of the fact it exchange into and is a complete scam. with a view to respond to your first question: conservatives have not have been given the different schedule different than to drill. nicely, additionally they like nuclear capability - so i'm perplexed while you're as nicely. Which i'm not, yet i'm in simple terms asserting... 2d - how would consevatives earnings? From...drilling or nuclear capability? nicely, they might (by ability of way of inexpensive capability, yet so would you). 1/3 - would not nuclear enegry decrease "emissions"? it extremely is fairly sparkling (I stay close to a minimum of one) So prehaps i'm perplexed on your question. Why would we "remember" on foreign places fuels whilst nuclear capability is sparkling.
  • NOLA guy nailed it but forgot to mention the very successful anti nuke movement of the 1970's that the AGW movement is based on. yes soviet involvement in all those movements was once denigrated & ridiculed as wild conspiracy theory's but were proved true when researchers were granted access to soviet KGB archives for a short time in the 1990's during the confusion following the collapse of the USSR. the motives aside from the obvious political ones was to handicap your opponents access to cheap abundant power production & so give yourself an advantage. leftists & liberals in general favor big government central control over individual personal rights. people wont willingly give up those individual rights as long as their living comfortably & modern civilization is based on cheap power production. anything the leftists can do to reduce a populations standard of living & make them dissatisfied with the capitalist system & form of government is desirable from the leftists point of view as it makes them more amenable to big government solutions. at its core the AGW movement is all about gaining international political power. any monetary gains by a few individuals,corporations or governments are just temporary side benefits to their long term goal of central control over as many people as possible.
  • This is something I ponder as well, i believe it may stem from the older causes such as clean air and water initiatives which are now laws in place-and rightly so. As to the global warming, folks are getting caught up in the hype-is it real?-for sure! Are we to blame? We may not help it any-and for the sake of saving resources and money we should do what we can to reduce without impacting what is left of our manufacturing base. Can we, by our actions stop the warming? No, the planet has been warming up since the last Ice Age-if you think we can actually change the course of what is happening-you do not know the earth. Before you shout me down-keep in mind, i do advocate us trying to control how much we use carbon fuel wise-for the sake of air quality for us all.
  • There is a ton of money tied up in the global warming/climate change movement. From the seemingly legitimate business of recycling used products to the far out there ideas of buying carbon credits and all things in between. Not to mention the enormous amounts of research money that goes into funding all of the studies on global warming that are now proving to be little more than projects used to manipulate data into what the researchers wanted to prove. The federal spending on global warming/climate change alone is enough to motivate many people in the right positions to push this movement. As with everything else in the world the driving force behind this movement is money and greed.
  • Margaret Thatcher and John McCain both took the problem of global warming very seriously. The claim that it is a left-right issue is partly political spin, partly right-wing distaste for anything "anti-business", although a lot of businesses from nuclear all the way to home insulation would greatly benefit from a serious attempts to limit warming.
  • You hit the nail on the head..I have asked these questions many times but no one can ever give me a straight answer!
  • Someone I know has a family member who has their social security number and calls life insurance, disability companies, loan companies all kinds of companies and as if they were that person, they some how sign them up for all kinds of things and they have a private post office box where they get all of this persons " mail" sent to where they open it and correspond with these companies with. Law enforcement didn't seem to care since the person doing it = a relative for some reason that makes it o.k . as far as they're concerned, but this person is a new college student and has had MAJOR damage done to their life and is nearly bankrupt.
  • The Federal Trade Commission has steps to help repair identify theft. ID theft has happened to me and it's a huuge hassle. 1) Call your police and file a theft report. 1b) Go to FTC's website and fill out an ID theft report. 1c) Keep *extremely detailed and meticulous* written documentation of everything lost as a result of the ID theft, including time and money. Start this record immediately. 2) Notify your banks and credit cards. They'll probably cancel your cards and send you new ones with new numbers. 3) Contact one (or all three) credit unions Equifax, Experian, and TransUnion and have them place a fraud alert on your file. This will stop new credit requests without your permission, and cause them to notify you if any new requests for credit are made. Also by law, if you contact one and request a fraud alert on your file, they must contact the other two and have them place similar alerts. 4) As a victim of ID theft you are entitled to a copy of your credit report. Request it from all three credit unions and revise it for anything that you're not responsible for. It's a hassle, but you must submit all complaints in writing to the credit unions to have them removed. Furthermore, you must contact the companies and have them cancel everything and refund it. 5) Change all your passwords and security questions. 6) If the thief is a parent, close your bank account or change accounts to a new one where the parent is not authorized to make any withdrawals. If they say you're too young and need a parent or cosigner tell them you're an ID theft victim and see what they can do to help you. Most companies realize ID theft is a crime and will not hold you financially responsible, so the biggest investment necessary is time to repair all the damage. Good luck!
  • It sounds like identity theft... File a complaint with the Federal Trade Commission
  • call ss now.
  • I can't find a specific reference to a Hoover Plan, but if you are looking for the policies of President Hoover in response to the Great Depression, I found this on Wiki... The following is an outline of other actions Hoover took to try to help end the Depression through government taxing and spending: 1. Signed the Emergency Relief and Construction Act, I2. ncreased public works spending. increase in the Federal Building Program 3. Directed the Department of Commerce to establish a Division of Public Construction 4. Increased subsidies for ship construction through the Federal Shipping Board 5. Urged the state governors to also increase their public works spending, though many failed to take any action. 6. Signed the Federal Home Loan Bank Act 7. Increased subsidies to the nation's struggling farmers 8. Established the President's Emergency Relief Organization to coordinate local private relief efforts resulting in over 3,000 relief committees across the U.S. 9. Authorized the repatriation to Mexico of 1-2 million people living in barrios throughout California, Texas and Michigan, 60% of whom were U.S. citizens of Mexican-descent, in an effort to ease unemployment. 10. Urged bankers to form the National Credit Corporation to assist banks in financial trouble and protect depositors' money. 11. Signed the Reconstruction Finance Act. 12. Raised tariffs. Hope that helps
  • We hired a friend of my husband's father to do the inspection on a home we are buying. He is also an architect, but we hired him to do an inspection only and he agreed to only report any problems he found with the house. When we got his bill, we were genuinely shocked. He charged us nearly $900 for an inspection on a 1800 sq ft home. We tried to politely dispute the charges via email and he immediately started threatening liens against the house. He claimed he could do an "architects lien" which would cause us to not be able to get our loan. He also threatened to forclose on the house. We were very, very angry as this man is supposed to be a friend of the family, but we were also terrified that we wouldn't be able to close on the house, so we paid his bill. So I guess my question is two fold: what is an architect's lien? Can he really do everything he threatened us with? And secondly, can we take him to small claims court even though we paid the bill in question? We have all his threats in writing in the form of all the email correspondence between us. We feel what he did was nothing less than black mail or extortion and want to have a chance to challenge his absolutely rediculous bill.
  • You may not have much of a chance in small claims court since you paid his contract. In order for you to have a case, you have to show the architect somehow mislead or failed to fulfill his contract. If that was true, you would have withheld a portion of the payment. You should contact your local State Board of Technical Registration to see if there are actions you can take against him, such as filing a complaint for offering services that he is not licensed to practice.. Architects and Home Inspectors licenses are issued and regulated by State Boards. If the State Board impose action against him, you may use that as evidence against him in Small Claims court. The legal term is not "Architects Lien", it is call Mechanics Lien, but in order for anyone to be able to file a lien on your property, he has to file a Right to Lien, without that, he loses his right to lien. This is done to protect strangers from putting liens on properties. Also in some States, like California, it is illegal for an architect to perform any work without a signed contract. Every State have different regulations so your best bet would be to start with the State Board. You may also do a little research to see if this architect is registered. If he is not registered, it is illegal for him to call himself as an architect. You may then have a misrepresentation suit against him. If he is registered, then filing a complaint against him will definitely get his attention since he could be imposed fines by the Board.
  • That is definitely on the high end of home inspection costs...but it's not outside of them. As far as an "architects lien"...no, he can't do that and he's a moron for saying that. He was not acting as an architect in this context, he was acting as a home inspector, and he may not have been doing so legally, depending on the licensure laws in your state pertaining to home inspectors. Many require home inspectors to be certified by the state, and being a certified architect may or may not qualify him to do a home inspection. The two are NOT the same thing, by any stretch of the imagination. An architect is trained to design a building, a home inspector is trained to find defects in it. They need to have experience in plumbing, HVAC, electrical, building code...the list goes on and on. If you CAN sue him, it would be for providing a service he was not legally entitled to provide. If he was legally able to inspect the house, you don't have much of a case at this point. I would try to speak to an attorney if you're serious about it. Otherwise, you should avoid this lowlife. An architects lien is something an architect who designed a building can put against the building, to collect unpaid fees. He cannot put it against any old building to collect fees though, if he didn't do work as an architect on the building, and is not billing for anything related to that, he cannot do that. Like I said, this guy sounds like gutter trash to me. Either speak to an attorney, or let it go.
  • You can probably win this in small claims as the rules are a little bit more relaxed and judges can make judgements more based on their personal feelings. If you provide the judge with all of the documented threats this man made, im sure that the judge will at least order half of the $900 be paid back to you.
  • Why would you hire him without an agreed price beforehand? That was a big mistake. Further, architects do not normally do real estate home inspections. They are designers, not inspectors. He is charging you his normal professional rates.
  • I trust ST i think of Nastradamus >>>>>>>>>>>>>>>>>>>>>>>>> highway's Disciple a minimum of Nastradamus has some songs with some stable beats, highway's Disciple is Carter 3 undesirable, so boring as ****, no stable songs, very virtually as undesirable as restoration, a 2/10 at maximum suitable album I agree wtih MJA, Stankonia is Outkast's worst album (nevertheless no longer undesirable, cuz Outkast have no undesirable album) i think of Chuck D, Rakim, BDK, etc and maximum of those previous college 80s artists are boring as hell, i'm able to never get into them, i might fairly pay attention to Gucci Mane, Lil Wayne, Plies i think of the sport is real 25 GOAT, Why? He has no ******* undesirable albums nor standard, who reported purple is gonna be undesirable? LAX is plenty overhated the beats on it have been great even inspite of the shown fact that he "experience his own Dick" on it and typical practitioner's advise, additionally he has a classic with a number of the main suitable productions of all time, The Documentary. i think of Mech is an fool, and that i wager my soul that he havent heard all of the albums he claimed to have, until he listens to track 24/7 familiar when you consider that. LOL @ smart Doubt no longer even real 500 of 1996 and Vol 2 > smart Doubt, LMAO Vol 2 is Jigga's 2d worst Mech additionally rides the 80s way too plenty and thinks effect makes u GOAT, LOL Co-Sing with CZ (Pervert) LOL CANIBUS is in simple terms like the 80s, boring as hell great Q BTW LOL I wrote all that ^^^
  • Yes, he can lien the property, but no, he can not foreclose. You would not win this. You hired him, he performed the service in question. Unless you have a contract or bid in writing that he is paid less this is in fact a good and payable bill.
  • Another reason not to hire relatives or friends in business dealings.
  • It will stand, and if you have to sue, you will probably win. problem is winning isn't the hard part, collecting IS. if he has nothing, you get nothing. Collecting on judgments is often more expensive than taking the loss for the loan.
  • A legal contract has certain requirements to make it valid. In most states you are missing the element of remedy. The fact that it is signed and admitted to the debt, the judge may use a reasonable amount of time as the basis when awarding judgment, or the judge may find it does not meet the requirements as delegated by law. It would probably be questionable. The good news is it would be a matter for small claims court, which tend to be more lenient in matters such as these. My advices is never lend money you cannot afford to lend.
  • That's not a legal contract if that's all you write. I would have him write something like "I agree to repay x $500 by (date)" and have him sign it. That's still not quite a contract but good enough if you have to sue him.
  • possibly, but don't lend money to friends that you are going to need to have back. They may pay you back, they may not.
  • Some people can use an even easier process to end their marriage than the regular dissolution process discussed in this section. The process is called summary dissolution. Summary dissolution is for people who meet all of the following requirements: They have been married less than five years as of the date they file their Joint Petition for Summary Dissolution of Marriage; They have no children together that were adopted or born before or during the marriage (and the wife is not pregnant now); They do not own or have an interest in any real estate (meaning a house, condominium, rental property, land, or a one-year lease or option to buy); They do not owe more than $5,000 in total for debts acquired since the date of the marriage (not counting vehicle loans); They have less than $25,000 worth of total property (not counting any money owed on the property and not counting any cars) that was acquired during the marriage; They do not have separate property (not counting any money owed on the property and not counting any cars) worth more than $25,000; They agree that neither spouse will ever get spousal support; Both sign the Joint Petition and pay the court filing fees or get a fee waiver; At least one spouse has lived in California for the last six months and in the county where they plan to file for the last three months; AND They have signed an agreement that divides their property and debts before filing the Joint Petition for Summary Dissolution of Marriage. If you meet the above requirements, ask your court clerk for the summary dissolution forms and booklet. Find contact information for your superior court. Read the link to see if you can find a waiting period.
  • Yes, that is correct, the $5,500 will be divided into two semesters, so you will be getting $2,750. No one ever said that the Pell Grant was going to cover ALL of your expenses, it's there to help you with some. So you will have to come up with another way to get money, you can try work study or get student loans or pay out of pocket. If you live in California and are going to a community college then you should sign up for the Board of Governor's Fee Waiver, which means you won't have to pay for your classes if you are accepted.
  • you will in assessment to my answer and 10 aspects? Who cares... ok hon, i'm nicely conscious that we are livin' indoors the millennium age, yet person adult adult males however have a matching DNA as they have continuously had because of the very fact the start of time. What this exhibits for us wimmen, is that we'd prefer to continuously wait and be conscious, use potential of suggestions and seem forward to a guy to start touch with us. If he does not, the reality is that he's in uncomplicated terms not that into the lady. If he's not inspired sufficient to text cloth fabrics, telephone or in spite of... on his very own, then bypass away him on my very own and get on mutually mutually with your existence. you desire a guy who will pursue you, (not you pursuing him). it quite is the only particular hearth thank you to nicely prevalent how plenty a guy quite cares for you; he's a keeper if he pursues you. Now however, if he's an quite shy guy... shrug, then this is yet yet another tale. yet who desires a guy like that?!
  • Someone I know has a family member who has their social security number and calls life insurance, disability companies, loan companies all kinds of companies and as if they were that person, they some how sign them up for all kinds of things and they have a private post office box where they get all of this persons " mail" sent to where they open it and correspond with these companies with. Law enforcement didn't seem to care since the person doing it = a relative for some reason that makes it o.k . as far as they're concerned, but this person is a new college student and has had MAJOR damage done to their life and is nearly bankrupt. This is in Southern California.
  • Have that person pull a free credit report and then contact the 3 credit reporting agencies and flag their SS# for fraud... Did this person file a police report? (in writing!) Contact your state Attorney General... This is BS, relative or not... no, ESPECIALLY since it's a relative...
  • If someone is using personal information like a social security number to gain something of value, it is identity theft. If the police won't do anything, contact the prosecuting attorney's office.
  • You can demand the DA file charges. But be prepared to be picked on by your family. I would talk to the parent and tell them that you are going to file charges if the person does not stop immediately and make retribution. Tell them you will set up payments but if they are not paid you will have the DA press charges. Remember they will not know that the DA does not want to file charges. So it makes a good threat to get the person to stop. Plus you can make the DA file charges. if the Assistant DA will not do it, write the DA a letter. They will make them do it!
  • first you need to go to a magistrate and tell them whats going on, this type of theft is called commonlaw theft and is a felony. the post office will be able to tell the police who opened to po box. most the companies you described record your voice during a call so your friend needs to call them and ask them to call the police with the voice recordings.
  • He told me I would have a equal say on ideas, innovations, advertising, and forward movement, but have been shot down every time sometiomes even before Ii get to explain the idea. he has not given me any support and not let me in on any decisions or anything in conjunction with the business. He stated in the beginning that it would do $2,000 a day and is only doing under $300 a day and i have yet to make a dime. I have heard he is selling the business, again without telling me, and am worried i will not get any money out of the sale and he may try to change the amounts so it looks as a loss in order to keep all the profit, is there a way i can get my money back either before or after the sale? if not can i sue him for anything to get it back and stop the sale. Please help asap
  • You didn't mention where this business is, because that has a lot to do with it. The most important thing is the contract you signed with him. ALL of your rights and obligations are detailed in that contract. You only mentioned that you have equal say on ideas, etc. but you did not say what your agreement is on the money you each would make off this business. If you don't have a contract or other written agreement, it would be best if you had LOANED the guy the $2K. Maybe you can get him to sign a promissory note stating that he owes you $2K, and defining how he will pay it back (how much and how frequently). Of course this means you would be out of the business if it takes off and makes a fortune. From what you say, that doesn't sound likely. Good luck.
  • If you sign a contract you better have a copy, and get yourself a lawyer. It sounds like a scam to me. Good luck!!
  • I purchased a house in california with my long term girlfriend, 2 months after moving in she decided to leave me, & move out. We borrowed about $15k from my father to be repayed by both of us, she & I verbally agreed to repay the debt to him, I also provided several thousand of my own money, she provided zero cash, but picked out all items that went into the remodel, carpet, paint, bathrooms etc... We took out a second on the house a month into it to consolidate debt & her name is also on that. I am waiting for her to sign the quit deed. Can she force me to sell? I talked to a lawyer & he said no.
  • She could petition the court for partition. This may or may not force you to sell the property. In a partition action, you could buy her out for her equity in the property. If that is zero, then that is what she is entitled to. If there is equity, then you would have to pay her one half the value or the court may order a sale. Your father should have received a mortgage for his $15,000 loan. The fact that you say it was purchase money and had to be repaid is a difficult evidentiary issue. better to get all of these agreements in writing ahead of time.
  • A quit claim deed will only have her giving up her rights to the house, but will not get her off of the mortgage. If I were her I would try to force you to sell or refinance in your name only.
  • 23. What was the biggest official or unofficial result of the War of 1812? a. The British signed a treaty that promised to end impressment. b. A large sense of national pride developed. c. The United States acquired a small part of Canada. d. The Federalists became the dominant party once more. 24. Why was the War of 1812 so strange? a. The U.S. won so many battles but gained so little land. b. Americans fought so poorly but felt so good at the end. c. The biggest victory for the United States came before the war even started. d. The nation fought for defensive reasons but came out with so many territorial gains. 25. Which of these events did not help cause Tecumseh's antagonism toward the United States? a. the death of his father b. his negotiations with Harrison c. his early relationship with the Galloways d. the Battle of Tippecanoe 26. What was Tecumseh's main challenge? a. reforming his brother b. getting the Indians to act together c. finding American allies d. recapturing New York for the Iroquois 27. Which of these did not help America's prosperity right after the War of 1812? a. John Marshall's Supreme Court opinions b. the Tariff of 1816 c. the Second Bank of the United States d. the "American Plan" 28. Which of these is most accurate, according to the principles of the Monroe Doctrine? a. The United States should never have put a man on the moon. b. Germany should not try to take over Mexico. c. United States businesses should stay out of South America. d. European nations should remove their armies from Africa. 29. If you are a banker, the thing that is most profitable to you is to a. accumulate as much gold and silver as you can in your vaults b. call in your loans as soon as you can c. lend as much money as you safely can d. convince as many people as possible to deposit money in your bank 30. Which of these is most true of the Compromise of 1820? a. The issue of slavery was laid to rest for good in this country. b. When North Dakota was ready to become a state, it would be a free state. c. Missouri had the option of becoming a free or slave state. d. California would be open to slavery when it became a state.
  • 23. B 24. A 25. C 26. B 27. D 28. D 29. D 30. B
  • 28- D
  • B D A B B B C C
  • This is what my professor assigned to us: "Find a current news story about something or someone from U.S. History at least 15 yrs ago. The story can come from either a recent newspaper article or news magazine, but NOT from the internet and write about it" Any suggestions on who I can do my paper over?
  • News events I remember from 1995. January 1 The World Trade Organization (WTO) is established to replace the General Agreement on Tariffs and Trade (GATT). Austria, Finland & Sweden act to join the European Union. The Draupner wave in the North Sea in Norway is detected, confirming the existence of freak waves. January 16 – An avalanche hits the village SúðavĂ­k in Iceland, killing 14 people. January 31 – U.S. President Bill Clinton invokes emergency powers, to extend a $20 billion loan to help Mexico avert financial collapse. March 3 – In Somalia, the United Nations peacekeeping mission ends. April 24 – A Unabomber bomb kills lobbyist Gilbert Murray in Sacramento, California. 1994 January 14 – U.S. President Bill Clinton and Russian President Boris Yeltsin sign the Kremlin Accords, which stop the preprogrammed aiming of nuclear missiles toward each country's targets, and also provide for the dismantling of the nuclear arsenal in Ukraine. January 17 – The 1994 Northridge earthquake, magnitude 6.7, hits the San Fernando Valley of Los Angeles at 4:31 a.m., killing 72 and leaving 26,029 homeless. September 3 – Cold War: Russia and the People's Republic of China agree to de-target their nuclear weapons against each other.
  • Ask in the journey that your college has a JSTOR account - there is 1000's of academic essays on there that are completely sturdy to cite from and function stable academic integrity. If not, ask around to be certain in case you realize all and sundry who does, it incredibly is particularly in all danger in case you have a chum/relative at college with an ATHENS logon that shall we them use the provider from a non-college-networked computer. different than that, I recommend asking your instructor if he/she has any books, or yet another member of group interior the comparable branch. forget approximately regarding the condescending fool who gave you a sermon approximately teenagers not employing a library, they're needless to say illiterate as evidenced with the aid of the actuality they did not easily study your question. If, even even with the undeniable fact that, you have it sluggish in the previous this essay is due in (a million-2 weeks), then it may be properly worth studying the titles and ISBN numbers of a few books which you think of are clever on the information superhighway, and then taking those on your interior reach library. i understand you stated that they don't look to be okay geared up, yet fairly in many cases libraries on the fringe of another paintings in conjunction, and that they could be waiting to borrow this e book on your behalf from yet another library. in basic terms different factor i will think of of is Google Books, it incredibly is a e book seek function of Google that easily scans texts and uploads them. it incredibly is unfastened to apply, yet could be troublesome at cases because of the fact they intentionally leave out some pages with a view to motivate you to purchase the e book. in simple terms right of success.
  • I believe there is a law firm that will be filing suit against me for a school loan issue that we have not been able to resolve over the phone. Two attempts to offer to pay monthly resulted in them hanging up on me so I'm fully expecting a process server to arrive at my door any day now. My question is about what happens if I'm not home when they come? We are not home very much during the day so will they just leave it at the door or in the mailbox? I'm anxious to get this overwith and it's driving me nuts just waiting to see what happens. :( BTW, I'm in Los Angeles, CA, if it makes a difference. Thanks for your feedback.
  • They'll try again - if they even come to your home to begin with. California allows service, in civil lawsuits, to be effected by mail. All they have to do to legally serve you is mail the papers to you at your current address, and file this form... http://www.courtinfo.ca.gov/forms/fillab... to assert that they did so. EDIT - "musicluver" is wrong. Process servers NEVER need to get a signature. If they did, all people would have to do is refuse to sign and they could never be served. EDIT - "inbigtrouble" is also wrong. Not showing up as the defendant in a civil suit will NOT result in a warrant for your arrest - it will simply result in your losing the case by default. Owing someone money is not a crime for which you can be arrested. Richard
  • Funny, I just got back from taking a test on said subject matter. According to the Florida Rules of Civil Procedure 1.070 (which I'll be using as my reference) one can be serviced in a few different ways. Although you said that you aren't home often, will anyone be there over the age of 15? If so, they can legally receive a summons for you and it'll be considered served. Also, they could fax you a copy of the suit, but then they'd have to get you a copy of it as well, for a fax alone won't due. The can also publish the notice in the local newspaper if they'd exhausted all other resources; some states still allow the process server/deputized sheriff to post the service on the doors of the courthouse, but that's uncommon these days. They can mail you a notice of complaint as well, but that gives you an extra 5 days to answer said complaint. It's a tricky thing to be honest, just don't purposefully avoid it. Look up your own states rules of civil procedure and if there's one piece of advice I can give you, it's to answer your complaint! No matter whether you feel it's right or wrong, file an answer or you'll lose by default. Best of luck to ya, hope this helps!
  • Process Servers are usually required to get a signature verifying receipt of the subpoena, so if you're not home, they can't serve you. However, servers have been known to try and find out your routine, where you work etc, to surprise you there, so just be on guard at all times. Heck, you could even be in the restaurant down the block - and if someone says "Excuse me, aren't you Joe Blow?" If you answer that you are, honey, you've just been served! If you're home - just don't answer the door - but make sure no one else does either - and quiet the kids down :P. Good luck! EDIT: rickinno doesn't live where I do - so he cannot say I am wrong, because where I am, they are required to get a signature, and if they don't, they are required to follow a different procedure, and show that they attempted delivery in person at minimum 3 times. A refusal to sign for a subpoena brings about a different set of circumstances. If you are served, but simply 'refuse to sign' as rickinno says, YOU ARE SERVED, and they simply document that you refused to sign, and file other paperwork. Just because someone is noted as a "top contributor", doesn't mean they know everything, that just means they have answered a bunch of questions in a particular category :P. Steve B is more accurate here - and explains why, which is what I eluded to in my statement at the top "make sure no one else answers the door either", because anyone over a certain age can be served FOR YOU.
  • it must be given to you in person, they can not leave it at your door. But they are very crafty and find out where you work and get you there. Once your served you must appear in court or a warrant will be issued for your arrest. But if they dont serve you, you dont have to go!
  • the debt was incurred before your marriage, you are not legally responsible for your wife’s debt. In community property states, debts and income accrued after a marriage can be determined to be jointly held regardless of who did the earning or the spending. However, the earning and spending that happened before the marriage remains separate unless you commingle accounts after marriage. Keeping separate accounts for now is probably a good idea. Later, after your wife finishes school and is working, you might consider opening a few joint credit accounts to help her re-establish her credit. But for now, I would recommend you keep your finances separate. If your income is being deposited in a joint checking account, I would recommend you change that and have all income deposited into an account that is solely in your name. This will keep any collectors from garnishing your money in a joint account. Community Property States The community property states are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. (In Alaska, spouses can sign an agreement making their assets community property, but few people choose to do this.)
  • Yes
  • The government annually spends about 55 billion on retirement pay, and 70 billion on veterans affairs. This is no small amount of money, and times are tight, So the powers that be are looking at cutting benefits. Yet, the same bone heads that want to cut benefits to the military, go out and spend money on... $25 billion annually maintaining unused or vacant federal properties $60 billion annually wasted in health care fraud $9 billion annually Earned Income Tax Credit overpayments $2 billion annually by Conservation Reserve program pays farmers not to farm $600 million annually in food stamp overpayments. $120 million annually in school lunch program abuse costs . $50 million annually for U.S. Postal Service selects an average of 1,125 employees daily, to sit in empty “standby rooms", and do nothing, due to over staffing $146 million annually in flight upgrades due to federal employees refusing to fly coach $15 million annually by the National Institutes of Health to rent a labs it cannot use $20 million annually for prisoners getting SSI relating to their alleged disabilities $1.4 billion in overpayments to disability beneficiaries $112 million paid out by the IRS to fraudulent returns filed by prisoners $423,500 stimulus funds to find out why men don't like to wear condoms $2.6 million training Chinese prostitutes to drink more responsibly on the job. $1 million in stimulus funds for a genitalia-washing program in Africa $1 million stimulus grant to researching gay males penis size $400,000 stimulus grant research in Buenos Aires bars on gay men's risky sexual behavior $1.44 million stimulus grant to study male prostitutes in Vietnam $239,100 stimulus grant to study of how Americans use the Internet to find love $168,766 stimulus grant study sexual behavior of monkeys by analyzing monkey feces in Africa $3 billion re-sanding beaches (even as this new sand washes back into the ocean). $50 million in erroneous refunds to 230,000 Medicare recipients $3.9 million by Securities Exchange Commission, rearranging desks & offices at its headquarters $2.5 million in stimulus checks sent to the deceased $10 million to renovate an abandoned train station that has not been used in 30 years $100 million on unused flight tickets, Defense Department bought, never bothered to collect refunds even though the tickets were refundable $2.8 million stimulus sent to a Wisconsin nursing home that didn’t need or request it $ 50,000 a piece for paintings of high-ranking government officials. $356,000 stimulus grant to study how kids perceive foreign accents. $900,000 in federal stimulus funds on a new bike signs in Oregon, even though the city already has similar bike signs, which it plans to leave up. $200,000 stimulus grant to study why political candidates make vague statements $228,000 per job, saved or created, by the stimulus plan $615,000 so the University of California at Santa Cruz could digitize Grateful Dead photographs, tickets, backstage passes, fliers, shirts and other memorabilia $1.2 million spent trying to find out if a mother rat on cocaine will abandon her babies $535 million stimulus loan to Solyndra to create green jobs making solar panels. The company is now bankrupt, laying off over 1,000 employees. $2 million stimulus funds to send researchers to the Southwest Indian Ocean Islands and Africa, to capture, photograph, and analyze thousands of exotic ants $296,385 in stimulus funds to study “dog domestication" $2.4 billion spent by Congress on 10 new jets the Pentagon insists it does not need and will not use. $450,000 by the State Department on a art shows in Venice, Italy. Is there any justice in this? Any justification why these projects are more important then taking care of the troops, even after they leave? Is "support the troops" just lip service?
  • Fascinating that this same govm't won't "privatize" other social "nets" but want to "privatize" the military pensions?! Very revealing. Good Luck.
  • Who will vote for a guy who says "**** the people who fight for our freedom"? Not the majority A lot of the positive 'n productive (torward the military at least) seems to be lip service these days, brotha
  • my father in law passed away a few months ago. My mother in law has done all the necessary phone calls to collectors, creditors, cards, loans, the unions etc. to notify them of his death. The union (in California) that my father in law was under has contacted my mother in law back several times with different numbers of a pension release and each time is signed by her and sent back only to receive a phone call saying it was a mistake. This is the 5th time we have received "a mistake" call and notification with another document coming back to us with a different and lower amount stated. Honestly I believe something needs to be done about this. Not only did this union mess up the pension benefits but are denying and then over charging and denying again her health benefits from her spouse who was in the union. As her daughter in law, I am 23 years old and do not know the first thing about helping someone receive what is rightfully theirs and help with grievance as well. If I/we need a lawyer to go after this union for this money, I wouldn't know where to look or who to contact or how to go about this the correct way. Any advice is appreciated thanks. Kayley xtremeg88@yahoo.com
  • You need to find an estate & probate attorney. If you are unable to find one in the phone directory, or you would like guidance or a referral, the link below can direct you to one in your local area.
  • She probably needs to talk to an attorney, but you'll need to get one licensed in HER STATE, to practice law. She should ask some friends and relations if they know any good estate attorneys. If all else fails, she can check the yellow pages, but I'd go with a personal referral first.
  • you will might desire to communicate this consisting of your solicitor. Your companion might have have nominated you as a beneficiary in the progression of his dying. this may well be plenty based on the kind of pension it extremely is - a private pension, drawdown, superrannuation scheme etc etc. Take some criminal suggestion.
  • Go into the Union pension office in person and speak with someone and find out exactly what kind of error you are making.
  • Silva and Wanita Rodriques are the owners of Year-Round Landscape, Inc., a small landscape and yard service business in southern California. The business is three years old and has grown significantly, especially during the past year. To sustain this growth, Year-Round Landscape must expand operations. In the past, the Rodriques have been able to secure funds for the business from personal resources. Now those resources are exhausted, and the Rodriques are seeking a loan from a local bank. To satisfy bank requirements, Year-Round Landscape, Inc., must provide a set of financial statements, including comparative income statements showing the growth in earnings over the past three years. In analyzing the records, Silva notices that the nominal accounts have not yet been closed for this year. Furthermore, Silva is aware of a major contract that is to be signed on January 3, only three days after the December 31 year-end for the business. Silva suggests that the closing process be delayed one week so that this major contract can be included in this year’s operating results. Silva estimates that this contract will increase current year earnings by 20%. What accounting issues are involved in this case? What are the ethical issues?
  • The accounting issues is stumping me. Accounting has to do with the recordkeeping of a business's finances. It is about preparing statements in accordance with accounting laws. True accounting professionals abide by the law first and by corporate policies second. Does this help at all? I have recently taken a graduate course in accounting and made an A. I have taken undergrad courses in accounting and also made As. I love accounting.
  • Well, Silva is not following the periodicity assumption; a co. must fix its financial year-end and be consistent in that. And they have to ensure correct cut-off in recognising revenue and costs. The correct thing to do is to prepare an honest set of financial statements, and in a separate note, show the bank the contract signed on Jan 3 to let it know that it's got this big contract and that it will bring in net earnings of $xxx.
  • I am 16 years old and live in southern California. I am a busboy and only make about $600 a month. I obviously don't have any expenses since I live at home. I pay like $100 a month for gas and insurance for my car. So every month I put about $500 in the bank. So, I know how houses on the east coast and midewest are like suuuuper cheap. I was just thinking, would I be able to buy a house, (in the $50-$60k range) and maybe get approved for a loan? Since payments would only be around $300 a month? But, I work at a restaurant and am only 16, but do put $500+ in the bank every month. Realistically, do you think there is any chance for me to get a loan?
  • The biggest problem that you have is that no one is going to sign a contract with you until you are either 18 or an emancipated minor. At 16 you cannot legally be held to a contract. And if you are an emancipated minor, you are paying for your food, shelter, insurance, car, etc., so you aren't putting away $500 per month.
  • My ex-wife allowed me to skip a child support payment so that I might go to California on business. She had told me that because I was going that I didn't need to pay it. Over three months later I loaned her money for a car. Now the aggreement was to miss that many weeks of child support until the payment was fullfilled. Now because when I payed her and had thought I had over payed her,she believes that I'm trying to swindle her. It was a miscalculation on my part. Now she is trying to get me for the back child support that she allowed me not to pay for when I went to California. Is that right cause I'm at a loss for this. If anyone has any answers on these issues, please drop me a line. Also until legal documents are finalized and signed do I have to pay anything?
  • Give her the reasonable child support that you may have owed her. Avoid the unneccesary drama. And it's your responsibility
  • Well, it isn't up to your wife on whether you can skip payment. Those payment schedules are set up by the court as a matter of legal proceedings. YOu could be in trouble with the state if you don't comply with the child support agreement. You may have some recourse if you can show there was an expectation to not having to pay that particular month...do you have an email or anything in writing? Even so, please understand the courts do NOT like seeing a parent not live up to the child support order, under ANY circumstances.
  • Courts regulate support, not the parents. Until the court system officially hands you a paper with your support schedule, you are not legally obligated to pay anybody anything. In other words, you are voluntarily giving support payments. If you have a court document spelling out the support payments ( a support order), you must follow it, because even she cannot supercede the court order. If you have an offical court ordered support schedule, and you didn't pay through the court system, there will be no record of your payments, and she can lie and claim you never paid. Sounds like you got swindled, because the court system doesn't recognized deals made by the parents, they will only follow what is spelled out in the support paperwork.
  • If you went to court, the judge will tell you that the child support was for the child, not for your ex to say you don't have to pay it. And, no you don't have to pay anything until the legal documents are finalized. However, you will then have to pay back payments of child support. But, I am sure you want to make sure your child is taken care of. From now on , when you do anything with your ex, you might want to get it in writing. Nevertheless, make sure you pay her with checks so you have proof of payment.
  • Seeing as how my ex-hubby pays me spousal support for the next ten years... There have been times when I have let him default on his payment... He has even borrowed some of his money back... LOL When I felt he was short... I took him to court... The judge asked for proof that he didn't pay me... Also asked for proof that I loaned him money... So with that said... If you have proof that you loaned her money for her car payment and she has proof that you never paid... The court will even it out and make sure no one gets over paid in the end... My suggestion is though... STOP PAYING until you feel you are RESPECTFULLY caught up... Trust me, taking you to court... waiting 45+ days to even see the judge, then having to WAIT to get paid any back pay.... TOO MUCH TIME... My ex-hubby is $790 past due and because he pays me current now... I could care less about the $790. I will lose more money going to court to fight it... Just a little hint DONT LOAN HER ANYMORE MONEY!
  • never trust a ex wife or wife when it comes to child support. they will use that as pay back for whatever issue they dont like concerning you when you have pissed they off in some kind of way. what you should have done is paid her that child support order on time regardless of what she said. some ex wives can be biatches and they are never going to stop using the kids as revenge until they turn 18. my advice to you is please dont skip another child support order. leave her alone and keep taking care of you child.
  • You are not obligated to pay anything until it is finalized. But, they will charge you for those back months so i suggest you either start putting money away for it. They will consider any money given a gift. My ex brother in law went through this. Even after paying her every week for a few months, they still nailed him for back support. Good luck.
  • yes it's right. take care of your child dead beat.. I say that because your intention should always be to take care of your child regardless of what anyone tells you so that you know that you always did the right thing. How is that a bargain. I'll give you one month not to take care of your child and you jumped on it. That moneys for the kid. Were you and her in transition and with the both of you seperating, she gave you a month to get on your feet so that you would be alright. Now that your alright you dont feel like you need to give your CHILD that money?? Get yo shyt together. Pay her for taking care of your child that you didnt take or fight for and seek an attorney to get court ordered child suppor tso you dont have to ask us this dumb azz question again..!!
  • Forclosure crises is made up excuse, for 125 billion you could pay off every foreclosed loan and every loan three months delinquent in the whole country written in the last three years Did McVeigh really die? The Oklahoma City Bombing Connection to the WTC Attack Pentagon Report Reveals Multiple Blasts in Oklahoma City Bombing According to the March 20, 1996 issue of Strategic Investment newsletter, a classified Pentagon study confirms that the Oklahoma bombing was caused by more than one bomb. A classified report prepared by two independent Pentagon experts has concluded that the destruction of the federal building in Oklahoma City in April 1995 was caused by five separate bombs. The two experts reached the same conclusion for the same technical reasons. Sources close to the Pentagon study are reported to have said that Timothy McVeigh did play a role in the bombing but peripherally, as a "useful idiot." We reported in Freedom Network News at the time that seismograph readouts at the University of Oklahoma indicated more than one blast impulse. Independent ordnance experts, including a Navy Commander, unanimously agreed that a car-bomb with low intensity fertilizer explosives could not have inflicted such extensive damage to the building and that it was highly likely that high-intensity explosives had been wired directly to the columns. Our suspicion then as now is that it was an "inside job." But by whom is the mystery. Strategic Investment reports that the multiple bombings had a Middle Eastern "signature." Others find the whole business to be extremely fishy because of the fact that no ATF or FBI agents were in their offices at the time of the blast [about 9:05 a.m.] — and that evidence pertaining to both Waco and Mena had been stored there. — Strategic Investment, 1217 St. Paul St., Baltimore, MD 21202-4799. From Freedom Network News (June/July 1996, pages 5-6), the newsletter of ISIL, the International Society for Individual Liberty, 1800 Market Street, San Francisco, California 94102, tel: (415) 864-0952, fax: (415) 864-7506 --------------------------------------... See also: Oklahoma City: Two Blasts and Strange Facts William F. Jasper: Multiple Blasts: More Evidence --------------------------------------... America's Reichstag Fire On 1997-06-13 Timothy McVeigh was sentenced to death for the bombing of the Federal Building in Oklahoma City (dead men tell no tales). The "useful idiot" has indeed turned out to be useful, effectively deflecting attention from the real perpetrators of this crime. The Oklahoma City bombing was America's equivalent of the 1933 Reichstag Fire. A fire destroyed the Reichstag Building on February 27, 1933. Hitler blamed the fire on the Communists. The fire symbolically destroyed the only remaining institution capable of placing reins on Hitler's grab for dictatorial power. Although the case is still somewhat disputed, the fire was very likely instigated by the Nazis and blamed on a Dutch Communist who had committed arson, Marinus van der Lubbe. There was no sign whatsoever of a revolution, but van der Lubbe gave the Nazis the excuse they needed and the pretext for new emergency measures [the Ermächtigungsgesetz, enacted on 1933-03-24]. — The First Steps Leading to the "Final Solution" [link expired] Timothy McVeigh is America's version of Marinus van der Lubbe (who was tried by the Nazis, found guilty and executed). On 1995-04-23, only four days after the bombing, with public outrage still at its height, President Clinton signed into law the so-called Counter-Terrorism Bill. Future historians may write: Several bombs destroyed the Alfred P. Murrah Federal Building on April 19, 1995. President Clinton blamed the bombing on domestic right-wing terrorists. The bombing destroyed the records of the 1993 massacre of the Branch Davidians in Waco, Texas, and also records relating to Mena. Although the case is still somewhat disputed, the bombing was very likely instigated by a secret criminal organization parasitic upon the U.S. government and blamed on a member of a right-wing militia, Timothy McVeigh, who was known to be sympathetic to violent resistance to the federal government. There was no sign whatsoever of a revolution, but McVeigh gave the U.S. government the excuse it needed and the pretext for new emergency measures, the Counter-Terrorism Bill. Again from The First Steps Leading to the "Final Solution: Hitler induced a confused and frightened Hindenburg to sign a decree euphemistically called, 'For the Protection of the People and State,' suspending all of the basic rights of citizens and imposing the death sentence for arson, sabotage, resistance to the decree, and disturbances to public order. Arrests could be made on suspicion, and people could be sentenced to prison without trial or the right of counsel. The suspe
  • Deception.
  • I am 38. I have a BA from UCLA in International Development Studies (like sociology/polisci/history kindda major). It was easy but it felt like I have wasted my time and brain on something not useful. I went to law school for few days and my loan didn't go through. So it was a blessing and I think my calling in life is to become an engineer. In California financial aid only helps you with your first degree, so I did what I could and signed up for Aviation Technician program at community college. It was a 3 year program and I need to take some tests to get my FAA license (A&P license= Airframe and power plant technician) that allows me to fix jet engines or any plane engines and it's airframe. But after doing all that I still don't feel challenged and I still want to be an engineer. My goal is to design a small individual jet plane that hovers over the water and can fly a person to Europe from Los Angeles with ease (like Jet-ski but for far distances and at higher speeds). Now my question is: how can I without any money and having 2 part-time jobs pursue my dream. I have also tried grants and many other things like various scholarships (my GPA is 3.9) but the money wont cover my studying. Should I just give up and be an airplane mechanic? PS. I used to have my own clothing company for 8 years and I still have a lot of energy and entrepreneurial spirit. I am Iranian, grew up in Germany and so I speak Farsi and German too. Thank you.
  • S'cuz me, but "small individual jet that hovers over the water and could go from Europe to Los Angeles with ease" ??? Lesson #1 on being an engineer: be realistic. First, realize that Europe to LA implies going above a whole continent, unless you want to take the long way around the Earth, so you'd need to get a bit higher than a jet ski. And the "with ease" part implies some sort of "range without refueling" requirement, and Europe to LA is about the maximum range largest planes, flying at Mach 0.8 at 35000 ft have. To design something with the range you call for requires an army of highly trained engineers. We're talking a few thousands here. So, perhaps you should have more realistic goals. If you actually manage to get the required degree in aerospace engineering, then you'll understand what you are envisioning is totally unrealistic. Now, about those tuition: they are not that unmanageable. I paid all my engineering tuition with my own money (that was 30 years ago, mind you), from working part time, but I was lucky to be enrolled in a co-op program, where the internship was paid. If this is unavailable in your area, start taking some courses part time, spreading the 4 year normal curriculum over a few more years. But please, do keep your feet on the ground.
  • There are some universities that may give you credit for some to the community college work which can save you some time and money. Indeed the BA may also shave some time off of the humanities requirements. I have known people at 38 that have gone back to school successfully but I will say its much tougher to do with a family to support and while working. Most schools if not all have a requirement that you need to complete your degree over a limited period which often prevents a part time approach. Certainly in this field your language skill can be an advantage. Although, racial profiling is assured to be enjoyable at customs. Perhaps Obama can fix that. The other alternative would be to move to a country where the educational costs are better subsidized yet recognized where you need to work. Get that BEng Mech. behind you and head to a suitable masters program (preferably with a schoolarship). Lets say your looking at 7 years can you tolerate this? If not that is your decision. Your dream is interesting but usually folks that attack something like it will have had many years of experience and have PhD's. Moller has been trying to do something of similar complexity for years and chewed through lots of investor money yet results are just around the corner. I am sure he has a nice house though. So what the Ringling brother said "There is a sucker born every minute", maybe all to true.
  • I hold an A.S. in Engineering Science, a B.S. in Marine Engineering and an M.S. in Engineering Management. I have ten years of experience working as a professionally licensed engineer. I can tell you that marine engineers do make a good salary straight out of college. It's usually around $50-60K, but the environment is harsh and the schedule is not easy. I worked on research vessels right after school. I worked for 2 months straight and then got two months off. During those 2 months of work (this is every day, not M-F 9am-5pm), I worked 7 days a week, 20 hour days and was exhausted the entire time. When I came back home, I had to find a place to stay that offered a month-to-month lease. Those first two months, I actually lived in a hotel. The following year, I made about $65K. My pay grew quickly and within four years, I was banking about $90K. However, the life was tough and the work sometimes was dangerous. I decided to become a shoreside engineer, meaning I would no longer be on a ship. I tried to find an industry that was still growing and had potential for a large salary. I turned to the defense industry and eventually found myself working on submarine and destroyer design. The pay wasn't as good as being out at sea, but I had year-round employment and a place I could call home. My brother is an electrical engineer as are most of the other engineers I work with here. Electrical engineering has many opportunities. Tons of companies are hiring electrical engineers right now. Software and computer engineers are also in very high demand. After about five years in the industry, you can expect to make close to $75K. My father is a mechanical engineer and he took his career to the Air Force. He worked on jet engines and eventually got into design. The military doesn't pay as well as the public sector, but it has amazing benefits and good retirement pay. He retired from the Air Force and was able to find a job immediately because of his degree and his military background. To start, you need to have decent grades (they don't need to be spectacular) to get into an engineering program. You could even take classes at a community college where you could learn higher level math and science courses. You'll need to do alright on your SATs and prove that you have an interest in engineering related disciplines. Once you're in a program, take a real interest in it and participate in the engineering extracurricular activities just because they give you practical engineering experience. I used to compete in a human-powered submarine race and a concrete canoe race. It really helped me learn to problem solve and try to be more innovative.
  • My advice would be to go all out and go to school for your PhD in any engineering discipline. You already have a BA, so you should be able to get into a graduate program (especially with that GPA!). Though, I imagine that you may need to take some pre-requisite classes in math, science, and enginnering (you could do this at a community college). Anyway, if you get into a PhD program, most universities pay the tuition for their graduate students, and they also give a stipend (which isn't a lot of money but is somthing). Good luck in whatever you end up doing!
  • You don't need to be an engineer to design something. You can design your plane and then get it stamped by an engineer, and then sell it to companies. You could also go to the bank to get a loan.
  • Like, I'm a junior in college at a really expensive school that I can't afford. I'm a music education major and am aiming to be a high school band director... yeah, not the most well paying career. No way I'll be able to pay off those loans. Sometimes, I wonder if I should just switch paths completely... but I'm so deep in already. Are my second thoughts a sign that I'm not on the right path? Or are these thoughts normal? And it's not just the money...
  • Yes, perfectly normal. And a sigh of an active and healthy mind. I was once a music major (piano and voice) and I was getting As, but I had doubts about being a choir director, which was likely where I would wind up. I went in the US Army--not my best decision--to have some time to grow up more--got interested in writing and wound up majoring in English. My career was probation officer in Southern California--go figure (I hated it, but it made for a good retirement). Music was never enough for me, intellectually, if you know what I mean. Writing always has been. So here are my thoughts. As the previous answerer pointed out, you are having second thoughts for a reason. You should listen to them. If you need to, take time off from college--it is very expensive now--and go back later. Many people do. My advice is to sit down with a pad of paper and do some soul-searching: What are you happiest doing? What kind of thing, and what sort of career hits it most closely--do this as long as it takes to be sure. The really fortunate people in this life are those who wind up in a career they love, that motivates them to get up Monday mornings, eager to go to work. You'll spend a lot of your life working. Work at choosing wisely. Also, if you wish, go here, take the free test: http://www.keirsey.com/sorter/instrument...It can tell you a lot about your basic temperament/personality, and consequently what you would be happiest at. If you do go there, get your 4-capital-letter personality code (like ENTJ) and look it up on www.wikipedia.org You will probably be surprised at how accurate it is. It can help you know you a lot better. I didn't get to know me until my 30s that well. It was an eye-opener. If after doing that, you cannot narrow down the best career choices for you, get this book: http://www.amazon.com/Please-Understand-... It can help too. Best wishes.
  • the worldwide has lost a genuine and uncommon celebrity in the form of Michael Jackson. in no way has there been this form of good expertise as him. His expertise and fan base has been while in comparison with that of The Beatles and Elvis, yet i think of its honest to declare that he's a legend lots better than the different band or artist. His songs have been somewhat influential to the song worldwide and set a wide-unfold so severe that no longer something considering that has fairly in comparison. there has been no different artist who has accomplished such dizzy heights as Jackson. For me, Michael Jackson inspired me along with his dancing potential and his songs. there is not any longer a track of his that i do no longer love. i be attentive to a superb style of the words to his songs, and ought to observe his dancing for hours on end. Now i wasn't some great fan, yet i've got self belief he replaced right into a genuine idol and that i do no longer think of the worldwide will see this form of expertise ever returned. i've got self belief he replaced into misunderstood and his quirky (and on occasion a splash off the wall) techniques have been taken thoroughly the incorrect way by potential of the worldwide. It saddens me that the worldwide is this form of judgemental and merciless place, and that i want he would have seen what number unswerving and loving followers he had. RIP Michael Jackson.
  • Some people switch career choices 6-7 times while in college, its perfectly normal to look at a new direction to go in. You may later on switch back to your original career but it's always natural for someone to look around in other choices.
  • If it is not just the money then, yes, you should consider other paths. Being "in deep" already is a terrible reason to get in even deeper.
  • Hi. I didn't have second thoughts, but you COULD take on a second path, without desserting the one your on. That way you'd have more opportunities. Like elementary ed too or something like that.
  • For your kind information, in my house everybody has this type of confusion, doubt, suspicion or fear. We are therefore seriously searching for a highly reliable, trustworthy and wise mentor. We want to strictly listen to his good words of advice.
  • Yes, you can surrender the car to the tow company. It only effects your credit if they take to court for a deficiency balance, ie. They sell you car for $50.00 but the tow cost was $150.00 and there is still a balance of $100.00 they can take you to small claims court and ask for the balance, but it is highly unlikely for such a small amount. When you sign over your vehicle, make sure the paperworks state that you will not owe them any more money for the tow. That would be an absolute to protect yourself. So, I'm trying to say, unless they go to court and get a judgement against you, it does not effect your credit. Now if you owe say a bank for that vehicle and it is not paid off, they can put negative marks on your credit and sue you for what you owed on the vehicle. I hope this helps. I'm a former employee of Bank of America Car Loan Division in Brea, California.
  • Call the tow company, and offer to bring them the keys and the signed title in lieu of payment. If it hasn't been there too long, they may accept that. If not you will be responsible for the entire bill, in most states after 30 days they can notify you and if you still don't pick it up they can hold an auction. If it sells, you will be responsible for the difference between your bill and the sale price. If they turn it in to collections, it will affect your credit.
  • It should not affect your credit. Call the tow co, tell them you are willing to give them the title for the charges on the vehicle. If it still runs or there are good parts left on it, they should agree to the exchange.
  • Offer was made on May 20, 2009. Accepted May 25, 2009 Closing date was set for June 22, 2009 Delayed to July 6, 2009 Delayed again to July 17, 2009 Delayed again to July 31, 2009 Delayed again to August 7, 2009 ('worst case scenario' August 12, 2009) *Closing papers were signed on August 3rd and the down payments along with closing costs were wired August 6th. *Loan was funded Aug 11, and should of been recorded first thing this morning.. It has not been recorded and we have not received the keys.. We are told we can not get keys until title records the loan.. but they can't say WHY? WHY? Its just wasting time..! Loan has been funded, money has been wired, and we can't back out now, even if we wanted too! My lender or real estate agent won't explain why we have to wait, they just say that we do, or that they can loose their jobs.. Anybody know why??
  • Until the formal recording is made with the county, you do not yet own the house. Every real estate agent is trained to never never never allow the buyer to have keys until the recording is completed. Many counties only record once or twice a day, so you may have to wait until end of business today or possibly tomorrow morning.
  • Yeah, girlfriend, that was a big mistake!! I don't know what you can do about it but track him down and sue him in court if he won't give it back or pay for it. Your credit will be toast but in a few years you can start to rebuild it. The first two years are the hardest. Co-signing is never a good idea. You can go to small claims court pretty cheaply but depending on where you live, there are limits; $10,000 maximum in California. But you do not need a lawyer in small claims court and you can represent yourself. It is pretty easy if you have the paperwork. They also have free advisors at small claims court that can help you out. Chances are you owe more than the limit in small claims court but hiring a civil lawyer for real court will make it all unaffordable. You really do not have many options.
  • I'm not really familiar with this kind of situation; you're really on the losing end of this bargain. What you can do is go directly to where you bought the car and remove your right from the loan. If you can fake your boyfriend's signature then you can write a consent letter that says that he will fully be liable for the car payment. It's a complicated situation you're in; I suggest you consult with the experts. Try giving this company a call: http://collisioncenternorthscottsdale.co...They know more about car insurance complications more than anyone I know.
  • You cant get out of it unless or until the loan is paid off. Also, the lender does not allow a financed car to not be insured so they could force place coverage and you would both be responsible for paying. This is what you signed up for. If you are on the title, you are free to go get your car. Someone needs to pay for it or insure it or both your credits will be hurt. And the lender could repo it for failure to maintain insurance. Suing him isn't going to help you and It would be a waste of time & money in my opinion.
  • I have a buyer for my house. The price the buyer wants to pay is the same as my pay off balance. I just want to be rid of the house without damaging my credit. buyer is willing to buy the house without real estate agents because he knows I'm not willing to take a loss. The house is in California, Any suggestions or tips?
  • Sure you can- contact an escrow company. There will still be closing costs for both of you and the loan payoff will very likely be a little higher than you expect it is. They will add in interest since last payment made and maybe some fees and penalties (depending on your loan). Neither of you will have any one representing you so be careful about negotiating- how any inspections and stuff or done. I bet it is required by law that the seller fill out and sign a seller disclosure form(with a big penalty for non compliance)- so download that from the state and fill it out and also have the buyer sign that he received it.
  • Yes, you can certainly do so, if you have found a buyer. Real estate agencies provide advertising to promote the property, assistance with contracts, showings and other services. It appears that you do not need most of what such real estate agent will provide. Thus, you need to seek out other professional assistance in handling your 'sale documents' to insure that there are not issues. A real estate attorney can help you with these needs. As a side comment, you MIGHT want to check to satisfy yourself that you are NOT selling for less than the market might bring. While you seem comfortable selling for what you owe, there is always the chance that the market may provide MORE than you owe. A professional appraisal for 'market value' will answer any such doubts.
  • Sure you can! It's called a FSBO (pronounced Fizz-bow)--for sale by owner. There are FSBO kits you can buy, showing you how to do this, as there are legal procedures, fees, etc. you need to know about. (These kits contain info on how to market your house, which you won't need, but you may be able to buy just the sales info w/o marketing.) If you have a credit-worthy buyer, there's no need to pay a 6% commission to a realtor. P.S. Google "FSBO" and check out the first 2 or 3 sites that come up for info you'll need.
  • Selling your property on your own usually a not good idea unless you have a strong real estate background and marketing. However, if you really want to go on with this plan, consult an attorney when you already preparing the contract of sale.
  • You would not violate the contract by providing additional sources of advertising, but it would be wise to check with the real estate agent involved to insure that your advertising format does not violate any codes of ethics required by the contract. Have the agent approve the ad(s) in writing before you do anything.
  • http://www.foxnews.com/scitech/2010/02/2...QUOTE: "Nearly every single weather station the U.S. government uses to measure the country's surface temperature may be compromised. Sensors that are supposed to be in empty clearings are instead exposed to crackling electronics and other unlikely sources of heat" Bonus question: Would this be called "Climate Gate" What say you? .
  • You now I read where they put the monitors right on something n the sun right above an asphalt parking lot and right outside an air conditioner, which means it's right by the exhaust and hot air. IN the 70s Time magazine carried an article on a new ice age coming. Then early last decade another article from scientists surfaced that stated solar fares would heat up the earth in the the last decade. I wonder how much of a connection does the United Nations and the club of Rome have over here with touting pushing in America? look that up and see what their agenda is and it has been in the works since the 70s. that Club of Rome, part of UN also is getting into water, that and the weather were the two main things they wanted to "help"" It's sad so much is riding on this as china accounted for 75% of the 671 million tons of particles and acid rain in 2007. this stuff is falling on Korea, Japan and California and one of the reasons Los Angeles is so bad. Wondered why the Copenhagen meeting only agreed they wouldn't;t help poor old China, as a small amount of money would really cut down on global pollution there vs throwing trillions here and making our industries do more and cut less and drive up costs. Anyway wondered why no help for them and then realized they got $700 billion of our debt and have the money, only 1% over there have acceptable air and it causes a 6x increase in lung problems for the people Oh yea right now they are trying to make Japan sign $1 billion in loans so they can use the technology like our 'scrubbing" techniques where you wash the sulfur out of the coal. oNe other problem they got is the people still use coal to heat. Anyway you be the judge as it is just like waiting an entire year of the country's legislative system on nothing. It's a big time investment for them and now that it is looking like it's a hoax they will fight more as the money is the main deal and i guess Al having to give back the prize. Have a great 2010.
  • all the education accumulated became sophisticated to take under consideration all outdoors contaminants and not all that many of the samples actual had contaminants interior the 1st place. additionally those temperature samples have been taken worldwide huge...the thought that each and all and sundry of those people are 'in on it' is nuts. hundreds of technicians, hundreds of PhD's, an entire forms of supervisors, managers and precise government officers, appointed and elected in one hundred or greater diverse countries all in contact in a scam...to do what? improve your taxes? thieve your freedom? Introduce communism? Be genuine. I dunno, bro...whilst i became a US army meteorologist there became a particular siting time table for climate gadgets...I doubt if any of that's replaced. the education is actual by way of fact it is self correcting...that makes you incorrect.
  • Absolutely it does, "Climate Gate" wil be among the many things that haunts the 0bama administration come Nov.
  • Nope they are dropping in most areas outside of NYC and D.C. But the question is will a bank provide you with a loan. Lenders are not really lending..
  • No way! These thing were flying off the shelf last month. If they are $3500 new in 08, they should be at least $2500 on the high end now. They are going to tack on all sorts of doc fees, taxes, admin fees, and other misc crap then the interest on the Kawi loan. You'll end up paying $5k for a $2500 bike before it's all over. Just buy a used one of craigslist or ebay
  • For a non-current bike I would want to pay MSRP with no dealer prep fees. With bikes as inexpensive as the 250R you rarely get much off MSRP. I just wouldn't pay any of the other dealer added fees. Then add your local sales tax and registration. Where I live that's 5.5% sales tax plus about $75.00 for plates and registration. Don't forget to include a year of insurance in your calculations for how much money you need when you pick it up. Dealer financing can be a great deal, or it can be a total rip-off. It just depends on the rates they're offering.
  • Kawasaki credit. i am assuming you are talking about their "credit card deal" so to speak. Yes if you can pay it off in time its great. Otherwise you will get stuck with ridiculous interest.
  • Hey, im looking for a homeschool that is either free or not very expensive. The k12.com one requires you to go to a school to take tests i believe and that isnt convenient due to traveling. And my 3rd nine weeks or the first half of the last semester ends this week and i was wondering if i could finish this one out and sign up for homeschooling before the last nine weeks start. im in the ninth grade and having to homeschool just came up. Thank youu
  • As Frankie said, make sure you check the laws in your area. In my area, the parent was allowed to teach whatever they deemed fit, as long as they kept record of 180 days of attendance and submitted standardized test scores to the state at the end of each calendar year. -My sister and I worked out of books for all of our English, history, and science courses. They can be expensive, but you may be able to find a good second-hand retailer for homeschool curriculum if there's a large homeschool population in your area. -For math, we gave the Saxon Math books a try and hated the teaching style. We ended up following the course outlines in the Saxon math books, using the instructional videos found on KhanAcademy (GREAT SITE!) and taking the end of chapter tests from the Saxon Math books as we finished the lessons corresponding in KhanAcademy. There are also other resources for homeschooling for free. There are several books and blogs written by parents with that goal that could probably help you find a way to do that, along with a curriculum that fits your learning style. Try to find some of these resources that pertain to your area, for example if you live in California, look for something published by a California homeschool family. Join a homeschool group. A lot of times, they trade, loan, or sell materials at really low prices to other members of the group. As stated before, KhanAcademy is the bee's knees! Some of my friends used only KhanAcademy and are doing great in college as I type this. In fact, my college friends and I STILL use KhanAcademy when we're having trouble understanding something. Even one of my friends in a college physics course is able to find answers to the questions professors aren't doing a great job of answering for her.
  • The free online schools are run by public schools so the requirements differ for each state even though they may be run by the same companies (K12, Connections Academy, etc). Going to a school for tests may be a state requirement to keep the online providers accountable and help prevent cheating. Check other companies (if there are any) in your state and see if they have that requirement too. Other than that, there are several private online schools, but you have to pay for them and they are usually rather expensive. However, if you homeschool independently, you just need to follow your state homeschooling laws. You will need to buy your own books, but they can be anything you want that fits your needs, interests, and learning style within your budget instead of being stuck with an all-for-one curriculum provided by a school or program. You don't even have to buy all your books from the same company if you don't want to. I use several different curriculum companies to provide a custom curriculum to my kids. Once you decide what you want to use, look on discount sites (e-bay, amazon, etc.) for used books or good deals. Also, I find that Rainbow Resource often has lowest prices on homeschool books. EDIT: You can begin to independently homeschool anytime as long as you follow your state homeschool laws. However, if you want to use an online school program, you would need to check with them about enrollment and start dates. Many high school programs do not allow open enrollment after the semester has started and may have a wait list.
  • My daughter enrolled the grandsons in Robinson Curriculum K through 12 for $195 one time. You read that correctly...one hundred ninety-five dollars! The boys love it.
  • K12 is NOT homeschooling, unless your parents are paying for you to attend the school. Homeschooling is never free unless you make use of your local library. You can begin homeschooling anytime. Your first step to homeschooling would be to familiarize yourself with the homeschooling laws of your state. http://a2zhomeschooling.com/laws/homesch...@ Frankie - I agree and am so happy to see you are back!
  • If you want to use an online school program, you would need to check with them about enrollment and start dates.
  • You would need to check with them about enrollment and start dates
  • Time4learning! They're 20 dollars a month and they're amazing :) I am home schooled through them!
  • Try time4learning. I use it and it's great.
  • okay someone hacked into my facebook and 2 of my emails and sent a scam email to everyone i have ever contacted or is a friend on facebook. here's the scam message: I'm writing this with tears,agony and sorrow.my fam and I came down here to England for a short vacation, unfortunately we were molested at the park of the hotel where all cash,credit card and cell were stolen off us but luckily for us we still have our passports with us. We've been to the embassy and the Police here. but, they're not helping issues at all and our flight leaves in less than 3hrs from now but we're having problems settling the hotel bills and the hotel manager won't let us leave until we settle the bills.I really need your help....I will like you to assist me with a loan of ($1500) to sort-out my hotel bills and to get myself back home. I will appreciate whatever you can afford to assist me with, I'll Refund the money back to you as soon as i return, let me know if you can be of any help? I currently don't have a phone where i can be reached. and then signed my full name. I am very embarassed about this. i tried changing my password many times, but the hacker just keeps on getting in to my accounts! i even used ridiculous passwords like 2io380275932 and they still figured it out! facebook says the person logged in from Lagos, Nigeria, or something like that, but gmail tells me a few people all over california and nigeria have been logging into my account. what should i do? i don't really want to close all of my accounts! should i tell the police?
  • Get in touch with Facebook right away and run a virus scan - if this person can access your passwords then they installed a keylogger on your account so anything you type is visible to them. Contact everyone you know to let them know you are fine and did not send this out and change your status to it says that a hacker has accessed your account - and tell your friends to tell all your other friends But run a virus/malware scan ASAP then contact Facebook to report this to them
  • my bf and his ex signed a child custody contract with terrible visitation rights. He can see his daughter whenever as long as the mother is present. she refused to let him see his daughter for christmas unless he signed and he also did not have money to go to court. It does state in the contract that it can be altered in the future. But now its looking like the mother has no plans of changing it. Her mood is constanly changing as she is bi polar and manic depressive and she only lets him see his daughter when he does what she wants or when she feels like it. Does he have to take her to court to alter this? does anyone know what kinds of costs we are looking at? or what steps we should take? he is willing to take out a loan if necessary to be able to see his daughter on a regular basis without the mother present. any help would be appreciated. by the way we live in california
  • you must take it to family court, dear
  • If this was a mediated settlement agreement and filed with the court he likely will have to wait whatever period is in the contract in order to change it. If it is just a contract between them he should file a case in a court and try to have his rights protected. A standard custody agreement calls for some weekend and one night per week of visitation with the noncustodial parent. Unless he has been proven to be an abuser he should be at least getting the statutory minimum visitation for his state. However, if the agreement is a court approved agreement he should at least try to have another competent adult stand in for the supervised visits, the custodial parent should never be the one supervising the visitation. Good Luck
  • Yes it can be altered, but you have to petition the court to do it. I don't have a clue what legal fees run in California, but if you were in Louisiana, it would run you anywhere between $1,500 and $6,000, depending on how hard the ex wants to fight. If your bf doesn't do drugs, doesn't have a drinking problem and never hit the ex or the child, then it is unlikely that the Court will require his visitation to be supervised. Good luck!
  • Yes, you can get it changed. But your boyfriend needs to be ready to fight against all the reasons that landed him in that spot in the first place. He didn't get bad visitation rights in a vacuum. He had to have done something. But if he can show he is a good guy, stable, and that she is a freak... then of course it can be changed! But it won't just happen. So what your boyfriend needs to do is get himself an attorney and start fighting. Good luck! p.s. Roger M is right that you don't NEED an attorney, but guess what? If she gets one, you're boned if you don't have one. I guarantee it. All the library books in the world are not going to make up for someone with a law degree and years of experience. "Do it yourself" child custody is the fast track to being back at the drawing board. If your boyfriend doesn't play to win (i.e. get professional help), his ex will and she will win. I promise you. It happens all the time.
  • You can go back to court and request a change in visitation. You do NOT need a lawyer. There are books in the library to help you.
  • So basically, one of my parents is considering filing for Chapter 7 (they made some poor decisions). Now, I'm living with them (beats rent at the moment) and I'm worried about my assets if said parent does decide to file. The plan would be to file as an individual, but since it's California... My question is because California is a communal when it comes to bankruptcy, when they go to liquidate assets, can they actually go after my stuff since my residence is with my parents. My major assets are my laptop, desktop, and tablet computers (5 total), snowboards, large television, and 2 cars one of which I just purchased a few months ago. Basically, everything in the house of significant monetary value minus kitchen appliances was purchased by me and not my parents. One thing, my first car (which is totally paid off) still has my mother on it, she didn't co-sign it, but her name was on the registration per requirement of our insurance company. Now I don't think a filing will be occurring anytime soon (if ever) since the parent in question has yet to to any credit counseling as required by the state prior to a bankruptcy filing. But in the event that does happen, will my assets be protected or will anything in the house be subject to liquidation? If that's the case, I might need to start "lending" gear to friends and family. Also how does liquidation work with regards to vehicles/houses? The house is only in the name of the parent not in financial trouble and like many house has a value negative of what the loan is for. The vehicle is in both of their names and is quite old and worth maybe $3000. Furniture in the house is old and a guarantee is not worth more than 1800 combined. There was some remodeling done in the past ($10,000 A/C unit that is paid off, $1500 worth new kitchen appliances that are all paid off). I'm still confident it won't come to that, but just in case I'd like to be prepared.
  • If you can show that you were the person who paid for all that stuff, then that should not be affected unless it interferes with the possession of something else which is owned by your parents or is not removable. But if they are taking possession of the house itself, you would have to remove what was yours which could cost you.
  • you need to record all your factors, which incorporate IRA and 401K. yet your lenders can no longer touch them. in case you study the financial disaster notices, some human beings declare financial disaster with lots of money, that they had 401Ks.
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