Legal Advice [OH] Mortgage brokers keep checking my credit report a year after I purchased a house. |
- [OH] Mortgage brokers keep checking my credit report a year after I purchased a house.
- My landlord asked for next months rent early, and evicted me the next day. He refuses to refund rent money because “it’s my fault he was fined”.
- Can my father legally take all of the money from my job? When I turn 18, can he refuse to let me have my items?
- Boyfriend was taken off of life support and his family wants to pack up his things from our shared home.
- Michigan unmarked police cars
- We bought a house with contractual move in date of 5/28. The seller is still not gone.
- Never knew dad, his family is trying to make me pay his debts
- Would my child stay with her step father if i died?
- Girlfriend got a weird package in the mail today.
- Restaurant owner has been taking 100% of online tips for months
- A man entered my house, I pulled a knife, he left, I called the cops, they arrested him, and told I them everything. [CA]
- VA nurse didnt confirm my identity and told me private info on another veteran patient
- Do I have a case or am I just a vengeful idiot?
- Foreign grandparents left me with cash before they passed; how do I deal with it legally? (NY, USA)
- My SOs boss is threatening to punitively reduce her pay
- Surprise surgical bill for $65,000. Does this require a lawyer?
- Got a nastygram about my lawn. What can my neighbor do/protections can I take? (GA)
- Someone with the same name as my pseudonym is threatening to sue me
- (MN) My now ex boyfriend broke into my house, beat me up (a legally disabled person 25F), threw my dogs into a wall, and damaged the property as well as interfering with emergency communications. I've decided to press charges, can I bring up past abuse? Hes been hitting me for almost 2 years
- Girlfriend hit garage door on my building public parking now they are asking me to pay. Ontario.
- Should I get a lawyer for public indecency charges?
- I was staying in an Airbnb and the bedroom ceiling came crashing down. I had to leave my backpack in the room as well as my passport. All of my clothes were also left in the room
- Advice please. Landlord trying to use text message as notice to quit. When it was clearly not the intention.
| [OH] Mortgage brokers keep checking my credit report a year after I purchased a house. Posted: 28 May 2019 06:11 AM PDT About a year ago I was looking to get pre-approved for a home loan. My local credit union had a rate of 4.6% and an online lender had a rate of 4.5%. Not a big difference in the grand scheme of things but I plan on staying in this house for a long time, plus the online lender had lower closing costs. The day after putting my information into the online lender's website, I get 3 calls and half a dozen emails from different lenders ready to pre-approve me immediately. Annoying but whatever. I ended up going with my credit union since it might end up only costing me a couple thousand dollars more at most, since I planned on paying far more than my minimum loan payment. All that worked out and I bought a house last July. I would still get calls maybe once every month wanting to pre-approve me for a mortgage. I declined every time, telling them I already purchased a home. Last month, I totaled the truck that I had for the last 7 years. I was going to be getting a different car in the near future anyway but this was a little sooner than I thought. Went to the dealership, found a moderately priced vehicle and decided to finance what insurance didn't cover, which was about half. The dealership showed me my credit score and it was way below what I think it should have been. They were trying to get me to take a 13% loan. I balked, spoke with my dad and he cosigned a loan with me at 5.5%. Still weird my credit score was so low so I took a look at my credit report. 23 different lenders have run hard checks on my credit the last year with the last one being at the start of May. There were 8 from when I purchased my house then 1-3 every month since then. I had no idea how or why it's happening. Obviously I didn't authorize these checks. Would I have to sue to get these off of my credit? [link] [comments]  |
| Posted: 27 May 2019 09:18 PM PDT I moved in last month. I paid direct deposit for half before getting the keys, half after receiving. Everything went smoothly enough for the first week. Then the one neighbour started banging on the wall, and I had a letter on the door stating the bylaws that no child under the age of 19 may reside in the building, referencing my 11 month old daughter that I have sole custody of. I tried doing some research, as it is an independently owned complex within a strata. There wasn't much to find. I called the human rights board in town, they told me I had a case. I called the tenancy branch and they informed me that I was not covered under the Tenancy Act, as, for the 8 days out of the month he stays here, we share a bathroom and kitchen. He asked for the rent money early, two days ago. I was hesitant to, but obliged. That's biting me in the ass right now. He was fined 550$ for allowing to me to reside in the complex with a child, and is being asked to leave as well. He blames me for this, and refuses to refund next months rent because the fine is "my fault for not keeping that damn thing quiet". He knew full well that I had a young daughter (and a cat), though I was assured by him before moving in that neither would be an issue. What do I do as far as legal recourse? Edit: Location BC, Canada [link] [comments]  |
| Posted: 28 May 2019 11:19 AM PDT I am 17 years old, and I got a job around 2 months ago. The money I make goes into my father's bank account, because as far as I know, I can't open one because I'm a minor. I bought a new phone under my dad's plan and have been paying the monthly bills for it, as well as my portion of the plan. My grades are very bad in school and I'm about to fail two of my classes. Because of my grades, my dad said that he is going to take all of the money from my job, take my phone for himself, and kick me out when I'm 18. He made a big point about how I, and everything I "own," is actually his property, so I have no rights to anything. Is that true? Most importantly, when I do turn 18, can my dad just throw me out naked on the street? With the logic of me not being someone who owns any property, what happens when I turn 18? Wouldn't I just enter a state of being someone who doesn't have any property? This is what I'm most worried about because for around a month after I turn 18 I will be homeless while I wait to accumulate money from my job again. I am in VT, USA. [link] [comments]  |
| Posted: 28 May 2019 10:47 AM PDT I'm currently pregnant and trying to figure out what my next steps are with this whole situation, we live in Arizona. My boyfriend had a drug overdose and was on life support. I knew that isn't what he would want and made that clear to his family. He has been taken off but now they are saying they need to get back home, they live in another state, so they want to come pack up his things. My problem with this is that he has been estranged from his family for years and has made it clear that he wouldn't want them to have anything. We shared a our living space and I don't want his family going through all of our stuff and taking what they want of his. My question is can I refuse to allow them into our home? I know they are next of kin and I have to give them his stuff but would I be able to just pack his stuff up and give it to them instead of then coming and going through everything? [link] [comments]  |
| Posted: 28 May 2019 09:11 AM PDT I'm from Michigan and lately I've been seeing a lot of unmarked police cars conducting traffic stops, not even the ghost letter cars with black letters on a black car, but stalraight up no markings so you couldn't tell they were a cop until they hit their lights. The thing is that I was always told to never pull over for an unmarked car because real patrol cars have to be clearly marked and that any average joe could buy a light kit and put it on their car to pull people over for various nefarious reasons. So my question is two parts, first what is the actual law on unmarked cop cars? Are they allowed to pull people over in unmarked vehicles? And two what am I supposed to do if I were ever to get pulled over by one? I've been told not to stop and to call 911 and they'll verify if it's an officer or not but I don't know if that's legal or not I also wouldn't want some adrenaline jacked cop to think I'm fleeing and overreact. So in short are there any laws regarding the use of unmarked patrol cars and are there any laws about pulling over or not pulling over for an unmarked car? [link] [comments]  |
| We bought a house with contractual move in date of 5/28. The seller is still not gone. Posted: 28 May 2019 06:00 AM PDT Location: Utah County, UT. My wife and I just bought our first house. The offer was accepted and contract signed back in mid April. The seller specified in the contract that we would take possession on 5/28 (today). Before closing they submitted an addendum stipulating that they actually had until 6/3. To avoid paying another month of rent, we rejected it. We closed on 5/17, and that morning they tried to sneak in the same addendum again. We rejected it again, contract date remained 5/28, and we have been counting down the seconds since then. Yesterday we rented a U-Haul, packed everything up, and stopped by the house offering to help the seller get moved out in hopes that we could get a head start on unloading. Seller said they were upset we wouldn't give them the extra week and rudely sent us away, stating that they would be there until "late [that night]." At 10pm last night our own realtor contacted us saying that the seller's agent (Homie) was refusing to give up the key. Apparently they're arguing that the contract doesn't specify a time of day for us to take possession, and the seller will be out by 5pm. To avoid a "confrontation," Homie has offered us $250 to not come to the house before 5pm. I have taken the day off work, arranged babysitting for our 1 year old, and extended the rental period on our U-Haul. Out of a desire not to force my realtor to drag this out past midnight on a holiday, I tentatively accepted the offer via text message. My question is this:
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| Never knew dad, his family is trying to make me pay his debts Posted: 28 May 2019 10:18 AM PDT I am 19 years old, and my dad left when I was about 3 to join the army. I never talked to him again. Not once. He died in late 2014, and the funeral and stuff all happened around then. Today I got a package in the mail, from my step mom about his properties, trying to get me to sign on to paying $20,000 for debts that were owed on their properties, as I would take 1/3 of the debt (my step mom would take 1/3, and my half-sister would take the last 1/3). She got over $500,000 in life insurance from his death, and I saw none of it. Is there a way to renounce any claims to anything he ever owned post mortem? Or even to sue her to get some of the life insurance policy that she saw all of? I was fine with her getting the money until this incident she pulled, and I'm now willing to play hard ball. Also I'd like to secure a way for my half-sister to get a guaranteed sum of money after she turns 18, as I am 99% sure my step-mom spent all of it. My sister is 12 right now. This may have been very rambley, but I just got into this situation and need to get it known easily I live In Ohio, but this is going through Texas, as that's where they lived [link] [comments]  |
| Would my child stay with her step father if i died? Posted: 28 May 2019 07:26 AM PDT (Indiana) i had a child while i was underaged and the biological father was not able to be on the birth certificate because we did not have IDs at the time. Since then he has never been put on it although he is around to an extent. There has never been any legal issues (no child support, paternity test, custody, or anything else) so as far as the state knows my child has no known father still. My husband and i got together while i was pregnant with this child and have had a biological child after marriage as well. I'm worried that if i were to die suddenly i don't know if my child would still remain with my husband? I can't exactly see the bio father trying to take said child because he has a second one that lives with his own parents. (the mother is absent while he lives elsewhere) Would i need to put my husband on the birth certificate to make sure my child remained in his custody? Would that require a legal adoption? The biological father would be upset by that if he found out, and i don't want to be sneaky about anything since (as far as i know) the three of us have always been truthful and got along. I just don't feel that bio father could provide the same kind of care, although he is a good father. EDIT: a few points I'd like to stress to help everyone maybe understand the complexity of the situation. -bio father sees the child regularly and is a good father. He does nothing illegal or harmful towards my child. -He has another child who has an absent mother and lives with bio father's parents (i don't know why) so i feel like the same would happen to my child if put in his custody -i have no intent to ever keep bio father from his child -i just want to insure that step father would maintain a relationship with the child since he has been around just as long as bio father -i feel that step father would provide better care for my child as in housing, education, medical care ect. I understand that adoption is a valid option but i don't want to do anything illegally as one commenter suggested i was trying to do. [link] [comments]  |
| Girlfriend got a weird package in the mail today. Posted: 27 May 2019 02:57 PM PDT My girlfriend and I are little disturbed as she received a gift through Amazon today from a stranger. It's a desk lamp that hold your cell phone for selfies or something. The sheet with it said "Dear (girlfriend's name), enjoy your gift-Robert. She knows exactly one Robert that is in a retirement home and she hasn't talked to him in years. He would have no idea how to get her address. She posted on Facebook to see who it might be and no one has fessed up yet. So she called Amazon to return it. This is where it gets creepy. The Amazon employee could not tell her who sent it, but they were able to tell her that the account is brand new, and it is listed under her address! She just called me and told me about this, so I told her to check her bank account and credit cards and whatnot. Is this a scam? Has anyone heard of anything like this? Does my girls friend have a stalker? What do we do? I feel like the police need to he involved but she'd not sure yet. Luckily we are moving tomorrow, but Jesus that is super creepy. Be [link] [comments]  |
| Restaurant owner has been taking 100% of online tips for months Posted: 27 May 2019 08:59 PM PDT (edit: working in the U.S.) So a quick background, I am a high school student working at a local pizzeria. It's an authentic place with a lot of affluent costumers who LOVE to tip big money towards the staff. Our restaurant has a tip jar for hard cash, but our online transaction system is run through Square, which has it's own system of online tipping. Costumers select the amount that they would like to add for gratuity, and the money is transferred to the company. Without tips, I make $8.00 an hour. Since very few people pay in cash these days, about 95% of tips towards my coworkers and I are done through online transaction. On a good night, we might be making $200+ from these tips alone. The problem? We've never seen a single cent from these online tips. Not a penny. Every dollar that is tipped through Square goes directly into the owners pocket. This is a man who steps foot in the restaurant maybe two times a month. My question revolves around the legality of this. Is it legal for the owner of a restaurant to take all online tip money from employees, even if they're all making minimum wage? Do I have a case where I can demand that this lost tip money is reimbursed to the staff? I should add that as a staff we have to divide the money from the tip jar every night, but even that is shady because on nights where it has been full, I've received nothing. (To rub salt on the wound, the owner just purchased a brand new Mercedes GTS AMG and sports it around like a king) [link] [comments]  |
| Posted: 27 May 2019 11:30 PM PDT The man entered my house and closed the door, while I was in the kitchen, which is next to the front door ~5 feet away. My dogs were barking. He seemed disoriented and stood in the entry. I told him to get out repeatedly and he stepped inside further. I pulled a knife from the counter, and yelled at him to get out a few more times, he looked at me for a few seconds and left. He then kept trying to get in jiggling the handle and looking in the windows. I called the police, they came and arrested him. He ended up being a drunk dude. They took my statement, and I told them everything. They took down all my info and left. Did I do anything wrong pulling a knife on him? [link] [comments]  |
| VA nurse didnt confirm my identity and told me private info on another veteran patient Posted: 28 May 2019 06:26 AM PDT Go into VA for ear infection. Showed ID and did last four and stuff at front desk. Went to back and the doc did not confirm my ID (normally they get full name/social/DOB). I didnt think anything weird because they've seen me before. So she looks at me and goes "the blood results are in" and I recently got blood drawn so I was like okay what did they say. "Your cancer is getting worse." And I go WHAT THE FUCK. And she says a Mr. 'patients name' and I'm like that's not me but that's a friend of mine from wounded warrior project and NONE OF US KNOW HE HAS CANCER. Also, just flat out saying that even to the actual patient is kinda cruel but it's the VA and they suck so I'm not surprised. So at this point I start freaking out and the doctor is panicking. She leaves, a new doctor comes in a bit later and handles my appointment. They don't address this massive HIPAA breach and I didnt see the original doc again. I have no idea how this happened, except that she probably didn't open the proper patient file even though I had just seen a nurse who had been clearly looking at my file (reference my disabilities). I'm going to tell my friend what happened. What do we do now about this HIPAA breach? I'm freaking out and this is beyond screwed up. I've seen this doctor before! We are in Texas but it's VA so I'm guessing nationwide laws. [link] [comments]  |
| Do I have a case or am I just a vengeful idiot? Posted: 28 May 2019 06:09 AM PDT There are kids in my class that steal my stuff (phone, books, sweater etc.) even though it really isn't funny and I've told them to stop on numerous occasions but they don't. School administration doesn't listen to me when I complain and they need to be taught a lesson. But each time I've been able to retrieve my stuff. Is there a point where I can take legal action for theft or harassment? I'm in Canada. [link] [comments]  |
| Foreign grandparents left me with cash before they passed; how do I deal with it legally? (NY, USA) Posted: 28 May 2019 08:34 AM PDT Hello, Throughout my teen years, my foreign grandparents would occasionally visit and give me some cash to store away as they recognized that they were getting old and wanted to leave me with something when they inevitably passed. I kept all of this in cash form, and essentially forgot about it because I figured I wouldn't have to worry about it for a while. Fast forward a few years to now: my grandparents have both passed away, which has led me to wonder: what do I do with this money? Can I just deposit it? Are there taxes I need to pay for it? I don't have complete information regarding this money (whether they declared it in customs upon arrival in the U.S., whether they paid gift tax in their home country, etc.), and while I would like to believe that they did everything 100% legally, I'm a little concerned as to whether I may be liable for anything they may have done. For context, this isn't an exorbitant sum (<$50,000). I did some basic research into gift taxes and monetary gifts from foreigners and it *looks* like I can just deposit these funds into my bank account without issue. Is this the case, or are there taxes/forms that need to be filled out? Thanks for your assistance! EDIT: Thanks for the assistance, everyone. Set up an appointment with a CPA for tomorrow! [link] [comments]  |
| My SOs boss is threatening to punitively reduce her pay Posted: 28 May 2019 12:49 PM PDT Location: Texas My SO works for an small insurance broker and one of the insurance companies recently offered a promotion where they would pay agents an extra bonus for selling their products. The money for the extra bonus would be paid directly to the agents themselves by a check sent to their home. All the information about the promo was sent in an email to all the agents and **included her boss as well**. I guess her boss never read the email because he found out six months later that his agents were receiving these extra payments that he had no idea about. He got very angry and claimed that money was his and his agents were stealing from him. He then went directly to the insurance company and told them they should no longer pay any of them the bonuses and send the checks directly to them. He accused my SO of being the "ringleader" among the other agents and coordinating this theft of money from the company. He said he was going to reduce their next pay to compensate for the extra bonus money they received. And now the next week comes around and he says he is going to deduct double "as punishment". What gives here? Is this legal? Any recourse? The biggest problem is that she is not a US citizen and applying for a green card through him that she is hopeful she will get next year. She doesn't want to rock the boat and risk her status. Appreciate any advice thank you. [link] [comments]  |
| Surprise surgical bill for $65,000. Does this require a lawyer? Posted: 28 May 2019 11:14 AM PDT My father received an emergency surgery for a procedure at a hospital that was completely covered by our insurance. The hospital took down our insurance, assured us that it was covered, and sure enough, it was. However, we are getting two separate bills, one from the surgeon and one from the assistant surgeon (who we never even saw, or even knew was in the surgery) for 35K and 30K each. The hospital claims that the surgeons are billed separately, and that the surgeons are not covered by the insurance. Our insurance (Blue Cross Blue Shield of Texas) claims that the surgeons are out-of network, even though the hospital of the surgery is in network. Now they are claiming that when they assured us that it was covered, they meant the hospital bills were covered, not the surgical bills. We were in an emergency state. Did we really need to make sure each surgeon was covered by our insurance? Do we need to call the insurance company before every emergency surgery (life-threatening) about which surgeons are allowed into the OR and which surgeons aren't? I don't understand why the hospital said we were covered, but we weren't actually covered. If the hospital had told us the surgeons were not covered, we would have contacted our insurance company to find other surgeons who would have been covered. Would a lawyer be efficient in this case? We don't really have the money to pay 65K, and it feels strange to pay a bill for an assistant surgeon who we had no clue was in the operation at all. [link] [comments]  |
| Got a nastygram about my lawn. What can my neighbor do/protections can I take? (GA) Posted: 28 May 2019 08:14 AM PDT I purchased a house in November in a cute little named suburb that is comprised of either the elderly or young couples. There were a few for sale in the same area, but they were a bit worse for wear than the one I own. We take relatively good care of our land. My husband plants all sorts of flowers and bushes, and we tilled and reseeded our backyard. However, because we have an inclined lot and there's a buried pool, we have issues with our backyard. We're considering "planting" moss, as it would look and feel nice and thrive in that environment. Anyways, the problem comes in with our front lawn. My husband mows the lawn with a manual no-engine mower. There's this one patch of grass that he can't seem to get through. We talked about getting a motor mower, but it's a bit out of our price range due to our recent wedding and honeymoon. That and my husband is incredibly picky when it comes to big ticket items. So that part has grown a bit wild. We take a machete to it to clean it up every now and then but it's not a big deal. We got a letter in the mail with our address as the return address about three days after my husband mowed the lawn, telling us that our lawn was bringing down property value and that we needed to "mow regularly". It was signed "Your neighbors at [neighborhood]". We're pretty sure it's the guy across the street and that he sent it in the mail because he knows we have cameras. We don't have an HOA. Which means I can tell him to go pound sand, right?. I wanna make sure that he has no legal grounding. Additionally, what protections should I take to ensure our bases are covered if he tries to do anything? We don't intend to be bad neighbors. In fact, had he come up to us in person, we could probably worked it out. It's literally about 5x5 feet in our half acre property. It's clear to us he does this to the other young couples. (one neighbor had 200 Christmas lawn ornaments that they just kept adding to because someone told them that the 5 they originally had was 'unsightly') we just wanna be sure our asses are protected while we save up for a motor mower. Tl;Dr - neighbor sent us a nastygram about our lawn and we're concerned that he could retaliate. We don't have an HOA. What can he do and what precautions should we take? Edit: please stop recommending we buy a cheap lawn mower. It's not my question... [link] [comments]  |
| Someone with the same name as my pseudonym is threatening to sue me Posted: 28 May 2019 01:28 AM PDT I'm a political commentator/artist/activist, and I use a fairly uncommon, but still believable, name for my pseudonym. Recently I moved to a smallish new town, and one of the residents happens to have the same name as my personality. Because of this, he has been the target of comments and criticisms directed at me, and now he's threatening to sue me for defamation, libel, and distress unless I publicly announce my real identity and say that I am not him. I have been using this name for many years, and I have identified under it for longer than I have known of the man. Does he actually have grounds to sue? [link] [comments]  |
| Posted: 27 May 2019 12:49 PM PDT I have lupus, legally 80% disabled. my now ex boyfriend has a severe drinking problem, and I was finally able to call the police the last time he went on a rampage. he always took my phone away and locked me inside the house after he threw me around. it's been once a month for almost 2 years. I have decided to press charges along with the state (MN), mostly because this time he hurt my dog. I am curious if i can bring up past abuse, or if I am restricted to just the time when I was able to call the police. I have dated videos and pictures from past assaults. I am talking to an attorney this week, but I'm just curious. [link] [comments]  |
| Girlfriend hit garage door on my building public parking now they are asking me to pay. Ontario. Posted: 28 May 2019 06:27 AM PDT This is a throw away account. Last weekend my girlfriend was coming to visit me at my apartment building (large building with underground public parking). She had been driving for 6 hours or so and it was part midnight when she arrived. The entrance to the parking garage is at the bottom of a steep ramp and there is a sensor at the top to detect cars and open the door. As she was driving down the sensor failed and when she tried to back up the car rolled forwards into the door. The door was seriously damaged to the point of needing to be fully replaced. I called the police to report the accident and the building's superintendent came down. She gave her insurance information and the police officer filled a report. Yesterday I got a letter from my building saying they expected me to pay in full. Am I liable? Shouldn't they be going through her insurance? [link] [comments]  |
| Should I get a lawyer for public indecency charges? Posted: 28 May 2019 06:04 AM PDT Title. I live in Georgia and last year, I got drunk in Atlanta and had to go to the bathroom but since there are almost no public restrooms in atl, I decided to piss in an alley way. Mistake, I got caught and now have a public indecency charge. Then they failed to mail me the court date for this so I ended up missing the court date. Now that i have a new court date, does this charge warrant me spending a bunch of money on a lawyer for such a small crime? Thanks for advice in advance. [link] [comments]  |
| Posted: 28 May 2019 01:17 PM PDT EDIT: I have a full video of the ceiling coming down and taking out all electricity in the house. Also, about 10 minutes before this happened there were large cracks appearing on the ceiling which my friend took pictures of and texted the homeowner (all before the ceiling fell) For context I am an American tourist in Germany. I'm currently looking for a hotel to stay at after the ceiling almost fell on my head. Am I entitled to compensation? Is it safe to wear clothing that was left in the room or should I throw everything out? [link] [comments]  |
| Posted: 28 May 2019 04:18 AM PDT Hi, my partner and I split up and she left the premises. We are in a year to year lease that ends in November. Out of worry, I sent the landlord a text message stating that was "pretty sure" I was moving out. She gave me permission (via text) to break the lease early. I have since changed my mind but since I have not served a hand written notice to quit it's not big deal right? Well the landlady had someone already lined up to come move in within two days of my text, and when I told her I changed my mind and that I was still in the lease until November she lost it at me. We are in Nova Scotia Canada where the Tenancy Act clearly states that a Notice to Quit must be hand written, contain the address of the property, and be clearly signed by the tenant. It can be served in person or by registered mail. This is also stated in the signed lease agreement in more than one place. She is taking me to the board for a dispute about this. I'm 99% sure I'm in the right here, as I never served the proper documents and my text message was clearly not intended as an absolute notice that I am leaving. But I am worried, this is my son's home. I feel like this is insane. She has been berating me via text, and is clearly very angry that I read my lease. And is telling me that I will be out. It is causing me no small amount of stress even though logically I am well within my rights. Please offer any thoughts. Thank you. edit: these reference links to Nova Scotia Tenancy Act. https://beta.novascotia.ca/end-tenancy-rights-and-responsibilities-landlords https://beta.novascotia.ca/end-tenancy-rights-and-responsibilities-tenants [link] [comments]  |
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