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I worked at chase bank for a year and left on august, they sent me a letter saying they overpaid me over 600 dollars.

I worked at chase bank for a year and left on august, they sent me a letter saying they overpaid me over 600 dollars.

 

Avvo Question: They have now sent me to a collection agency, that sent me a letter as well. I put my 2 weeks notice before a left. They say, they made a mistake and overpaid me for vacation and other time that is hard for me to understand. I’m not sure if they did overpay me pay me but if they did, Do I have to pay their mistake?

Avvo Answer: If you were indeed overpaid, you will likely have to return the money to your former employer. Yes, the mistake was their mistake by overpaying you but you can’t just keep the money as it was unearned. Talk to the collection agency and see if you can make payments to them to repay the monies owed. If you have additional debts that are also being sent to collections or that you can’t pay, it may be in your best interest to visit with an experienced bankruptcy attorney about what options may be available to you.

I hope that you found this information helpful and that you question was answered.

Answered By:

My AZ Lawyers
1731 West Baseline Rd. Suite #101
Mesa, AZ 85202
Office: (480) 448-9800

Re-Published from AVVO Legal Questions and Answers.

 

Posted by on February 1, 2013 in Creditors

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If I sell a vehicle on Ebay through Pay Pal, can creditors attach the the funds. I have no bank account.

If I sell a vehicle on Ebay through Pay Pal, can creditors attach the the funds. I have no bank account.

 

Avvo Question: My wife and I are both 68 and on Social Security. My wife is disabled, I lost my job 4 years ago and we owe credit card debt which we can’t pay, savings are depleted.

I want to sell our vehicle to pay for living expenses and pay the deductible for my wife’s hip operation.

I’m trying to sell the vehicle on Ebay and the buyer wants to deposit funds in Pay Pal to pay for the vehicle. Can creditors attach funds deposited in Pay Pal?

Avvo Answer: The short answer to your question is Yes a creditor can attempt to get funds from your Paypal account as Paypal is much like a bank in that way. However, if the creditor that you are worrying about doesn’t have a judgement against you, it would be impossible for them to take money out of your Paypal account as a creditor must have a judgement against you in order to get money out of your account. The buyer probably wants to use Paypal to pay you as he gets some limited insurance on his purchase from you by using it. Plus, Paypal is a great way to boost his confidence in a sale from eBay.

If there is no judgement against you then you have absolutely nothing to worry about with using Paypal, if there is a judgement against you, it is doubtful that the creditor will look there for money from you. They definitely will not look there first and since you can withdraw funds from Paypal almost immediately, it may be the way to go.

I hope that this answered your question and that you found the information helpful.

Answered By:

My AZ Lawyers
1731 West Baseline Rd. Suite #101
Mesa, AZ 85202
Office: (480) 448-9800

Re-Published from AVVO Legal Questions and Answers.

 

Posted by on February 1, 2013 in Creditors

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Been Charged Disorderly Conduct on my Privately owned property

Been Charged Disorderly Conduct On My Privately Owned Property

Avvo Question: I have been charged with Disorderly Conduct I lost my wife about 2 1/2 MONTHS AGO. I found her dead by the horse corral on the ground. For quite a long time we had been fighting MS which had ravenously attacked her. Since then I have not been doing well physically, emotionally and the like. I have since also experienced of her 2 wolf cubs and her horse. The other day the UPS driver drove onto my posted no trespassing property. When he would not leave and stop blocking my ability to get to an appointment it lead by him yelling at me and me yelling at him which then swearing began. He called his dispatch and they told him to throw the packages off the truck and they called the sheriff who came out and charged me with Disorderly conduct but did not charge him. I have been seeking counseling
Additional information
I have been seeking counseling without being able to secure services due to counselors even christian counselors telling me they would like to counsel with me and I could use it but they can not see me only due to my insurance not paying them enough. When Beth was here it took 2 incomes to run this place now I have only 1 income. I have since also experienced 2 of her wolf cubs and her horse. dying due a broken heart and missing her. The wold cubs died the day before this and the horse the morning of this.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Candice E Kallen, Mesa Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on November 21, 2012 in Arizona

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I got served for a photo radar ticket, what can I do?

I got served for a photo radar ticket, what can I do?

 

Avvo Question:  I just got served today for a traffic speeding ticket 11mph over. There seems to be a lot of confusion within the state of Arizona on whether or not photo radar tickets are enforceable. In the past 5 years I have ignored 3 photo tickets and never been served. I recently have been pulled over for expired plates and the officer said nothing to me about any previous unpaid tickets. My Question is: Now that I have been served by a random woman at my house, can I still ignore this? The woman did not ask my name but simply said I am obligated to serve this to you. I took the paper without looking and closed the door. She did not have me sign anything.

Avvo Answer: Based on what you have told me, I feel that you have been served and the woman who served you will report that you were sufficiently served. Going forward, you are going to have to deal with these past tickets. Not dealing with them will probably end with a warrant being issued. There are a few ways that you can handle these tickets. You can simply pay the fine, you can go through traffic school, or you can go to the hearing for the tickets.

If you retain a Tucson defense attorney, the attorney can fight your tickets in court and challenge the photo radar tickets. Your fines for the infractions aren’t going to increase, thus challenging the tickets at a hearing isn’t going to add to your punishment. Chances are an experienced defense attorney in Tucson has had some luck fighting these and would be your best bet if you want to try to get around paying the tickets.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Morgan McCain, Mesa AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 28, 2012 in Arizona

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Lies at the grand jury

Lies at the grand jury

 

Avvo Question: I have been indicted. After reading police and witness reports, I find blatant inconsistencies. Is it possible for another grand jury, or do I have to live with the indictment? I feel that if the truth be told,meaning no lies, I wouldn’t have been indicted in the first place. My question, is there anything I can do, or can my lawyer do something about it?

Avvo Answer: Sorry about the indictment. It is never a good thing when an indictment is handed down, especially when a grand jury only hears a few selected facts from the prosecution. Unfortunately, inconsistencies in police reports and witness statements aren’t going to be enough to invalidate the indictment handed down by the grand jury. These inconsistencies become a bigger issue at trial when the differences in testimony and facts become an important factor as the jury uses these inconsistencies to judge the credibility of the witness.

The truth will set you free and hopefully allow you to be found not guilty at trial but I am afraid it isn’t going to reverse the indictment. I would recommend getting an attorney if you haven’t already. Your attorney may not get the indictment invalidated based on the facts you have stated but given the whole case to look at, your attorney may find a different angle to challenge your indictment.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Candace E. Kallen, Mesa AZ Bankruptcy Lawyer.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 28, 2012 in Arizona

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Can you still bankrupt on a car that has been repoed and a lien was placed on my home I live in Virginia and my job downsized.

Can you still bankrupt on a car that has been repoed and a lien was placed on my home I live in Virginia and my job downsized.

 

Avvo Question: I bought this car fell behind in payment and was told through a letter that they would get a lien placed on my home but I havent seen any paperwork on that from my mortgage company.

Avvo Answer: You can still include the debt that you incurred from a repossession in a bankruptcy. If you file the bankruptcy prior to the lien being attached to the house, then the creditor will not be able to place a lien on the house assuming the debt is discharged in the bankruptcy.

If the lien is placed on the house prior to a bankruptcy speak with an experienced bankruptcy attorney about how to remove the lien on the house during or after the bankruptcy process. Removing liens from civil judgments may result in additional fees not included in standard bankruptcy representation, but it still is possible to remove the lien.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Morgan McCain, Mesa Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 6, 2012 in Arizona

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Lawsuit had been file for non payment of a credit card debit. What can I do if unable to pay?

Lawsuit had been file for non payment of a credit card debit. What can I do if unable to pay?

 

Avvo Answer: There are a number of options. Even though, they filed a lawsuit against you, you may be able to set up a payment plan with them to pay down the debt. If this is not feasible for you, you may attempt to defend against the litigation. If you lose the civil suit or if you want to avoid a future garnishment, you should IMMEDIATELY contact an experienced bankruptcy to evaluate a possible bankruptcy.

An experienced bankruptcy attorney will be able to provide you information on how long the litigation process will take before the creditor will be able to garnish your wages, or bank accounts informed by both the civil procedure in Illinois for civil suits as well as from general experience.

Based upon your level of income, the kinds of assets you have, and the amount of debt that you have, an experienced bankruptcy attorney will be able to explain to you whether bankruptcy is the right path.

I cannot emphasize enough how important it is for you to speak with an attorney in your state to discuss your options.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Rob Curigliano, Mesa Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 6, 2012 in Arizona

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Can a court ordered judgement be included in a bankruptcy, chapter 7 or 13?

Can a court ordered judgement be included in a bankruptcy, chapter 7 or 13?

 

Avvo Question: After my divorce I took my ex back to court because I learned he hid money while we were going through the divorce. The judge ruled in his favor and awared him $30,000 in attorneys fees. I do not have this money and now need to file bankruptcy.

Avvo Answer: This is definitely a case that you need to have a bankruptcy attorney review with you. An experienced bankruptcy attorney will basically go through your finances with you and evaluate your debt and financial situation to determine if filing for chapter 7 or chapter 13 bankruptcy may be beneficial to you. There are plenty of choices when looking for a bankruptcy attorney. Find one who you are comfortable working with and who can best address your issues. Many bankruptcy attorneys offer payment plans and most will give you a FREE initial consultation.

Though your situation may be a little more complex than most, it is definitely something that an experienced bankruptcy attorney can resolve for you. Visit with a few of them and get started on getting your life on track.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Rob Curigliano, Mesa Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 6, 2012 in Arizona

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Sentence for a regular dui after aggravated dui

Sentence for a regular dui after aggravated dui

 

Avvo Question: My husband was convicted of a felony/aggravated dui about 4 years ago. Tonight he was arrested for another dui. Don’t believe it was extreme, but don’t know yet. Would he be sentenced under a second dui or a second aggravated dui?

Avvo Answer:  Sorry about your husband’s circumstance. If he had his license back and wasn’t driving under a suspended license then he should be looking at a regular DUI. Since it was 4 years ago since his last and if there aren’t other circumstances later revealed, he should be looking at a regular DUI. Regardless of the situation, it would probably be in his best interest to seek the help of an experienced DUI attorney. A DUI lawyer may be able to find a way to defend the pending DUI charges by reviewing the police report and the facts of the case. There are many choices available in Gilbert and throughout Arizona when seeking a good DUI defense lawyer. Find someone who you are comfortable and remember, the most expensive attorneys are not necessarily the best attorneys.

* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.

Answered by:

My AZ Lawyers, PLLC
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
Office: (480) 448-9800

Morgan McCain, Mesa Chapter 7 and Chapter 13 Attorney.
Re-Posted from AVVO Legal Questions and Answers.

 

Posted by on September 6, 2012 in Arizona

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An Improved Budget To Avoid Personal Bankruptcy

An Improved Budget To Avoid
Personal Bankruptcy

Be Fiscally Conservative By
Spending Less on Your Clothing

 

There are many different ways to avoid having to file for bankruptcy. You may be told to sell some of your things to pay bills, negotiate with creditors, or to restructure your life. Perhaps something as easy as formulating a better budget is an easy way to avoid having to file for Mesa bankruptcy. One of the ways that you could consider to tighten your budget is to reduce the money that you spend on clothes. Sure, it may be easy to just not buy any new clothes, shoes, or garments. However, some jobs require that you have up to date, fashionable clothing. Other jobs require a uniform or clothes and shoes to perform the job. Sometimes the clothes do make the man (or woman). Sometimes clothing and shoes are a necessity.

Using some creative money strategies may allow you to reduce the amount of money that you have to spend in this aspect of your life. Reducing resources spent on clothes and shoes will allow monies to go towards satisfying the many debts that have been looming over your head. Remember, this budget and reduction has to be done by you as there is no way that those shoes you have had your eyes on at the mall are just going to (all of a sudden) become affordable. Even some of the sales rack items are still going to be more than you are willing to pay.

By looking for your clothes and shopping in different places, you won’t have to sacrifice your love for style even though you are sacrificing some of your clothing budget. Not overspending for clothes is the key to reducing your clothing budget. First of all, you should shop with cash only. Though this may seem old-fashioned, when you limit yourself to shopping with cash for clothing, you will limit the temptation to overspend on a credit card. It’s too easy to swipe that little plastic card in exchange for that new dress or shirt that you have been wanting. When you use only cash for your clothing purchases, if you don’t have the money then you can’t spend it. Cutting back on your credit card use is a bonus. Plus, its never fun to pay for items that you bought months ago.

Many times some of the best deals can be found outside of the mall. On-line shopping can be a great source of bargains. However, when you shop on-line the instant gratification of wearing your purchase is not fulfilled. There are many discount chains that offer you the same quality, name-brand clothing and shoes at a fraction of the cost.

4 best places that you can shop on a budget in Arizona

Marshalls – www.marshallsonline.com
Ross – www.rossstores.com
TJ Maxx – www.tjmaxx.com
Norstrom Rack – shop.nordstrom.com/c/nordstrom-rack

Great stores like those above are stores that you may find brand name clothing that was originally put in the department store but then was removed because of a surplus. The items found in these stores are great-quality clothing and shoes, but are sold at the discount stores for a fraction of the price. Hitting the sales racks at the discount stores way garner you even better deals. However, just because things are a fraction of their regular price, don’t be lured to by items you didn’t need just because they were on sale. Also, be aware of impulse buys! Impulse buys are never a good idea when you are on a budget. Only purchase the items that are essentials for your work or your wardrobe at the moment.

A few other local places that you may try to not only find gently used name brand clothes at a fraction of the cost but you could also sell some of your clothing on consignment. Reducing the amount of clothing that you have by selling some of the things you don’t wear anymore is another thing that will help you make a better budget and give you a better chance at avoiding bankruptcy.

There are many discount and used clothing stores throughout Phoenix metro area and around the valley. The popularity of such stores is growing as the economic downturn endures. Seek out the assistance of a Mesa AZ bankruptcy law firm for additional ideas and ways to better your budget and how you may avoid financial hardships and bankruptcy.

Published By:
My AZ Lawyers, PLLC
By Candice E. Kallen
1731 West Baseline Rd. Suite #101
Mesa, Arizona 85202
(480) 448-9800

Republished From:A Better Budget to Avoid Bankruptcy

 

 

 

Posted by on August 20, 2012 in Arizona

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