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    Monday, September 28, 2020

    Legal Advice I was scammed $8000 via PayPal. I traced my hacker and found their cell number, home address, Facebook profile, place of employment, Instagram, etc. What should I do?

    Legal Advice I was scammed $8000 via PayPal. I traced my hacker and found their cell number, home address, Facebook profile, place of employment, Instagram, etc. What should I do?


    I was scammed $8000 via PayPal. I traced my hacker and found their cell number, home address, Facebook profile, place of employment, Instagram, etc. What should I do?

    Posted: 28 Sep 2020 12:16 AM PDT

    I was hacked $8000 on PayPal over the past few weeks. The hacker was making direct withdrawals from my bank account and then cashing out the money to their prepaid credit card (not traceable, throwaway number). When I logged in, my account was in French, and the phone numbers and addresses on the account were that of the scammer. Fortunately, through some digging on the internet, I found the hacker. The person was using their maiden name, but after tracing their married name, I was able to confirm and match all of information from my hacked account to various online profiles across the web. I screenshotted and screen recorded everything.

    What do I do? Obviously, I'll file a police report in their jurisdiction, but part of me wonders if I can retrieve this money myself? I feel like I have plenty of leverage and motivation to recover the money. What will the police do? If I file a police report, does that invalidate myself from pursuing contact with this individual?

    I want this person to pay, and I am tempted to do everything in my power to let every single one of their networks know what they've done.

    I am located in IN, US and hacker is in MA, US.

    Let me clarify, I NEVER clicked on a link, gave out my payment details or communicated with a person or entity in exchange for a good or service. My PayPal has only ever been used to pay for Spotify, and somehow this person was able to get my login in details and transfer money from my account to their own. Based on the comments, this sounds like it is fraud/being hacked VS me being scammed. I had no idea there was a distinction (assumed they were the same thing). That's incredibly helpful and good to know when I report to authorities.

    So far, my bank has been incredibly helpful and considerate whereas PayPal has been silent. It won't even let me open a case, phone number says open a file online, etc.

    submitted by /u/Pantherfeet2020
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    Been chronically ill for 9 months, doctors at a loss had deemed in a medical mystery. Discovered mold all throughout our walls and HVAC after a water leak and the apartment complex has proceeded to threaten us, lie to us, gaslight us and try to force us into signing a NDA and a release. Texas

    Posted: 28 Sep 2020 10:09 AM PDT

    We have been living in our apartment complex for just over a year. About 9 months ago I began to feel sick everyday. Constant nausea, headaches, lethargy, diarrhea, trouble breathing and random fever spikes. I have in the last few months had 5 covid-19 tests. I have seen multiple specialists that have thought it could be anything from Crohn's disease, MS, or even leukemia. All tests have came back negative and all I have ended up with instead of answers is medical debt. On top of that I have two cats who would get sick on and off throwing up, diarrhea, weezing and lethargy but it didn't even occur to me that it could be related at the time.

    Fast forward to about a week and a half ago we wake up in the middle of the night to a foul smelling water leak coming out of our wall. We call the complex manager and they send a maintenance crew in the next day to open the wall and address the leak. None of these individuals were wearing masks. When they opened up the wall we discovered it was caked with mold with 5' standing sludge water at the base. It appears it has been a gray water leak that has gone on for months. Immediately once we realize the mold was so bad we told them that once they stopped the leak they needed to stop cutting into the wall immediately until we could have a mold specialist address the potential dangers. They ignored us and proceeded to blow an industrial grade fan into the wall in an attempt to dry the water. The whole time we're saying this is dangerous and should not be done this way. We call a mold specialist and he's appalled how they had went about it from a procedural standpoint and said it was reckless and dangerous to all parties involved. The apartment complex then says that we should just continue to stay there for the night or go stay with a friend. I am asthmatic and have it compromised immune system and I can't believe they just told us to go stay with a friend in the middle of a pandemic. They refused to offer to put us in a hotel. My boyfriend who I share the apartment with went to the office to show the complex manager the photos he had taken of the men working and to express his concern and she proceeded to tell him that it was illegal filming them and to delete the photos immediately. We looked it up and because we live in Texas which is a one-party consent state to record so that was just a blatant lie on her part. She later asked that we shared the photos with her. After numerous phone call exchanges where management continued to contradict themselves we have requested from now on that we only communicate via email. We requested that they hire a mold specialist to analyze the potential toxicity of the mold and they refused. So we paid out of our own pocket to have a specialist come in there and he said it was some of the worst he had ever seen. Lo and behold we get the results back and the amount of mold is off the charts. The particular strain that they found can cause edema, bronchial spasms , pulmonary emphysema as well as nausea and diarrhea. It was only after we told the complex that they said that they were having their own mold specialist going later that day. They have refused to let us see their results. At this point we strongly urge that they do not allow any cosmetic repairs to undergo in the apartment until proper mold remediation can happen. They don't respond to that email for 3 days and then on the third day send us an email saying that they are within their rights to terminate our lease since we are blocking them from doing necessary maintenance, and that if we don't come to a decision to either move into another apartment or terminate our lease contingent on us signing an NDA and a full release that they would be terminating our lease by 2:00 p.m. the next day. Effectively giving us less than 24 hours notice. I also want to mention that in Texas the governor has ruled evictions illegal until September 30th. We immediately reply and say we are not hindering them from doing repairs that we were only concerned for the safety of their crew and ourselves. They never responded to that. And every email where they bring up our options they present it as option A or option b and it's always contingent on the NDA and the full release. At this point we get the city code inspection involved and when we go to the apartment to meet the inspector we find a biohazard truck parked in front of our apartment and when my boyfriend goes in there to see what's going on he finds individuals in hazmat suits vacuuming all of our personal belongings. In one email she said the due to their inspection that they saw no reason why the apartment wouldn't be inhabitable, and a phone call shortly after she says due to the water damage the floor is not structurally sound and it's not safe for us to be in there. My next email with her I ask if the apartment structurally sound for us to go in there to grab some personal belongings and she's in lies yet again and says that it was never an issue with its structural integrity even though that's precisely what she had said to a phone call that both my boyfriend and myself were on. She says that we cannot go into the apartment because they've had a cleaning crew in there that have used chemicals that would be unsafe for us to enter until Wednesday which she told us that on the previous Friday. If I had not emailed her we wouldn't have gotten any notification at all that this was happening and could have easily gone into that apartment unaware of the chemicals present. We have many emails of her consistently contradicting herself, and gaslighting us. The lack of professionalism and empathy they have treated us is shocking. We've tried reaching out to the tenant rights councils multiple times but due to covid-19 it's been incredibly difficult to get a hold of anyone. At this point we're ready to hire a lawyer. it's been suggested we find someone who specializes in personal injury as well as a familiarity with tenants rights and real estate. We have already spoken to a few that have said it's a clear-cut case of negligence and they wouldn't be surprised if our story ended up on the local news. It's been difficult for us since we both work full-time 9:00 to 5:00 jobs to get anything done and I'm so close to quitting my job so I can just focus on this.

    I have already gone to see my doctor and explain the situation to him and when he listened to my lungs he was concerned and immediately sent me in to get an x-ray. He believes this is why I have been ill.

    Any advice and recommendations on how to move forward would be greatly appreciated and if you have read your way through this post I am so very grateful

    Sincerely, weezy mold grrl

    submitted by /u/WeezyMoldGrl
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    (New York) a coworker purposely blocked my car in so I am unable to leave work. He has his keys with him and will not return for about 3 hours. What’s the legality behind attaching a rope or chain to his tow hitch and dragging his truck out of the way with a pay loader?

    Posted: 28 Sep 2020 06:08 AM PDT

    Title pretty much covers it all, I'm sure I can do it without causing damage. He did it purposely, there's plenty of other places he can park. He is parked on private property. Can I hook his truck up to a chain or rope and drag that sum'uva bitch out of the way if no damage is caused?

    submitted by /u/i_fix_trucks
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    I've generated $60210.08 in sales as an affiliate marketer, and the company is now ignoring all emails about paying my commission.

    Posted: 28 Sep 2020 03:25 AM PDT

    I'm a UK based citizen, and the company I've been promoting is a US-based electric scooter manufacturer. In their terms, they state that they pay affiliates on the 15th of every month, but for some reason or other, a new excuse would arise every month and payment would be promised for the following month.

    Over the past 6 months, I've generated $60k in sales, which represents $2.5k in commissions. I've been very careful to stick to their terms of service, so I'm sure that there is no reason I shouldn't be paid. In fact, they've promised payment several times.

    If they were a UK based company, I would attempt to take them to a small claims court, but I don't know if that's possible... I'm wondering whether:

    1. It's even possible to take a company to court over their affiliate program? If the company decides not to pay, can they be held to pay under their own affiliate terms of service?
    2. Whether it's possible for a UK citizen to take a US company to a small claims court.
    submitted by /u/drifting_dungarees
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    Update: My daughter cut her hand and an ambulance was needlessly called.

    Posted: 28 Sep 2020 01:00 PM PDT

    Update to this post.

    https://www.reddit.com/r/legaladvice/comments/ixapse/usa_my_daughter_cut_her_hand_at_college_the_ra/

    I called the university and spoke to administrators in their student life department. I was basically told that in this situation the RA's are trained to call EMS but in this situation they were probably not warranted.

    I called and spoke with the ambulance service and of course they would not talk with me initially because I was speaking for my daughter who is 18. After I had her call them and give them permission to discuss the details with me they waived the fee that they had billed.

    In the end my daughter did not request any service for a minor injury and when the ambulance got there she refused service and signed documentation to that. My belief is that they did not feel it would be worth risking any type of legal action if I wanted to contest the bill in that fashion. Their best option was to waive it after I called clearly in disagreement over it. Thanks for those that responded especially u/exlawabidingcitizen

    submitted by /u/Cuthand2020
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    Strangers came into my porch during a storm and were injured. They want me to include their claims with my homeowner's insurance.

    Posted: 28 Sep 2020 07:41 AM PDT

    I own a home jointly with my mother, I am 35 and she is 65. We live in Iowa where a derecho (major wind storm) came through in early August.

    Our insurance claim settled 3 weeks ago for damage to our home. That included a tree that fell on the front of the house, collapsing part of our small porch roof.

    Two weeks ago my neighbor came to me with two other women, who are friends of hers. The story is that as the derecho started (it was very unexpected and we had no real warning) her friends were arriving at her house to say hello. When she didn't answer and the storm was bad, they needed shelter. They thought it was a tornado and didn't think they were supposed to be in their car during one, so they came across the street to my house where I have a front porch. The exterior of my house is stone and the porch is almost completely enclosed, so they believed it would be safer than their car.

    A tree landed on this part of my house and partially collapsed the roof. One of the women says she has only minor cuts and bruises, but the other says she has had major injury to her shoulder and back and is expecting to have surgery in the next couple weeks. She had no health insurance.

    When they first showed up I didn't believe them and thought this was some type of scam, but they have now brought out video of the storm that was indeed taken from my porch. I was also able to find a glimpse of them on my ring doorbell footage.

    I'm leery of this situation. I understand that if I have a party and someone gets hurt, my insurance may cover it - but I'm more leery of this because these are total strangers who entered my porch during a natural disaster for safety. Obviously they knew there was a weather event happening and that there was risk.

    What now? Report this to my insurance and let them hash it out? Is there any reason I should not do so? Am I likely to face insurance penalties?

    submitted by /u/sellhellswellhell
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    Neighbor is using land for hosting campers (upwards of 200+)

    Posted: 28 Sep 2020 08:25 AM PDT

    We live in a suburban area where all homeowners have a minimum of 1 acre. The neighbors who live next to us have decided to start posting their ~10 acre land on a website (omitted the website name) to attract campers who pay to stay the night on the property. Since starting the land rental, there have been feces, urine and weed stenches coming from the area. The website lists that the only on-site bathroom is $50 per night, which is much higher than the rent to stay on the property. Additionally, there are multiple 15 foot fires that take place at all hours of the night and then left to simmer until the early morning hours, unmonitored. It has become a huge concern for the other neighbors' health and safety and multiple individuals have contacted the zoning office to file a complaint. Is this legal? What is the best course of action if the zoning office does not see sufficient evidence of the chaos that typically occurs on weeknights and weekend (when zoning officials are not on the clock)

    Edit to add** Location: Virginia, United States

    submitted by /u/givemetlc
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    (Missouri, Kansas City) My neighbor says he filmed me naked in my apartment and will report me for indecent exposure if I do not pay him 500 dollars.

    Posted: 28 Sep 2020 11:51 AM PDT

    Hi, My name is V, and I live in KCMO.

    I don't know if background is required but I would like to give complete information. I am a new resident in a rent-controlled apartment complex. I moved in two months ago. I am a freelance artist, and when COVID-19 started I lost most of my work. This cost me my old apartment which was a studio layout. I am autistic, and I will admit that I have problems handling change. When I moved from my studio to this one bedroom, I set it up the same way as my old studio. So my living room has my bed in it. There is a balcony with blinds. The blinds are not the strongest material, and I own a very energetic cat who is also stressed about the move. He broke a good number of the blinds when we first moved in because he was nervous. There is now a sizable gap in the blinds.

    I understand this is a problem so I called management. They told me the issue wasn't urgent, and if I was comfortable they would like to wait until COVID-19 calms down. This is fine, I don't like people in my apartment. I asked for permission to hang a sheet. It hangs over the railing, so there is about a four foot gap from the floor to where the sheet starts. They granted it, and I moved on with my life.

    A neighbor I have not met before came to my apartment yesterday and said that he had noticed me changing naked in my living room. I am unsure how, because the gap in the sheet, plus me being on the second floor would make it difficult to notice casually. However, he is correct, I do change in my living room. He then stated he had video of me, which would be his proof if he went to the police. He has not shown me the video. He is saying that I can go to jail for indecent exposure if he turns the video into the police.

    I am very nervous. I have never done anything wrong, and I try very hard to be a good neighbor. I offered to start changing in my bathroom, but he says he wants "damages" because he "had to see me while he was walking his dog." He wants 500 dollars, which I am very lucky to have in my savings. I almost paid him, but a friend told me to post here. My friend also said I should call the police, but that makes me very nervous too.

    Is he right? Can I go to jail for this? I was so nervous when he told me I didn't really respond and he said he would visit me on Wednesday. I really just want to be left alone.

    Thank you for any help.

    submitted by /u/throwaway92121212129
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    Bank closed my account (no warning or explanation), how can I get my money ASAP?

    Posted: 28 Sep 2020 08:24 AM PDT

    Surprise surprise! Citibank decided to close my account after years of banking with them, they didn't give me a reason but someone slipped up and mentioned the SBA loan my husband received in July. My husband is an independent contractor (no EIN), submitted a truthful application, no fraudulent claims or wrongful info, was approved and money was deposited in our account. Citibank is holding our money hostage now, not just the amount of the SBA loan but ALL of our money. They informed us that they will proceed to close the account and send us a check with our money in 60 days, I've asked, cried and begged to get at least the money that we had aside from the SBA and nothing. I have children, it's the end of the month and we are in the middle of a pandemic... Is this even possible? Has anyone gone through this and how long did you have to wait to get your money back? NJ Client here

    submitted by /u/Sgrimau1
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    My boyfriend was struck and killed by a drunk driver one year ago as we were on our way to work. What do I need to know before testifying/giving a statement?

    Posted: 28 Sep 2020 08:21 AM PDT

    A year ago my partner's car broke down on the highway on our way to work. We were pulled over and on the shoulder of the highway when he was tending to his vehicle and a drunk driver sideswiped and killed him. I was in the passenger seat and witnessed his death and was present when police and emergency personnel arrived.

    The driver stopped down the road and was given a field sobriety test and was taken into custody. Due to covid the actual trial date has moved around and has finally been scheduled to take place next month.

    The state attorney's office called me this morning and said that the driver has not yet pleaded guilty but that he was hoping to leverage dropping some additional charges (that have accrued as a result of his getting into prison brawls) as incentive to plead guilty so that it wouldn't be a jury trial.

    I'm a little confused because today I was told I would receive a summons but that if he does plead guilty I do not need to appear in person although I can regardless submit a victim impact statement.

    Can anyone help me know what to expect in the next month? I was under the impression until this morning that this would be a pretty open and shut case and that I didn't need to actually testify in court. I have never had to do anything like this before. I definitely want to do whatever I can to bring this person to justice, of course. Thank you in advance.

    Edit: Location is state of Maryland

    submitted by /u/witchkitsch
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    Blatant Fraud at a Brick and Mortar location in my neighborhood

    Posted: 28 Sep 2020 01:15 PM PDT

    TL;DR: a check cashing place destroyed my check when I decided to take it elsewhere, and effectively forced me to do business (get gouged) with them

    I just got totally ripped off by a check cashing place (that partners with a major money-transfer provider) in the city of Houston. I'm not even sure what to call it. Destruction of property, among other things...

    I brought my $1,200 stimulus check to a check cashing place. They do business behind bullet-proof glass. I walked up, slid the check in, and asked them how much it would cost to cash. The clerk wouldn't give me a figure. She told me I would have to set up a profile, and sign the check (!) to find out the cost. I asked ballpark, what it usually costs. She quoted $100. I asked for my check back.

    She refuses to return it. Says they "can work with me", keeps upselling me. I start demanding my check back. I'm yelling, my hand is in the slot, repeating "give me my check back" while she calls her boss, and keeps telling me "in a minute".

    A few minutes of this pass. She then WRITES VOID ON MY CHECK, and slides is back under the window. Says it's just "policy", and I can cash it anywhere else. They point to the place next door. Of course this isn't true, but I even go check.

    I can't bring my check anywhere else now, and I needed the money today. I had to give these scammers my social security number, a fingerprint, a photo of my ID, and two of my face (I'm flicking them off in one, look furious in the other). They charged me $100 for their "services".

    They covered the word "void" with stick paper for the photograph; it seems like this is something they do a lot.

    This is a brick and mortar location in my neighborhood, committing this kind of coercive fraud. I'm outraged.

    Is there any authority that might care about this? This business is a cancer in our community.

    submitted by /u/SuspiciousFee7
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    [Pennsylvania] My dad pointed a gun at my mom during an argument. Did he commit any crimes?

    Posted: 28 Sep 2020 09:02 AM PDT

    As title says. Just got off a phone call and learned that last week my mom and dad were in an argument, and at one point my dad went to the bedroom to get a gun, and came back and pointed it at her. The gun was not loaded; the magazine (or whatever it's called) was still packaged.

    My mom says she was scared, and shocked, as my dad had been hiding the gun and ammo, and no one else knew it was in the house. My dad has said multiple things, including that he was just trying to scare her, and also that he was joking. Assuming my dad has a gun permit, is he guilty of any other crimes?

    My mom called the police and my dad's going through the system currently, but as my parents are immigrants, there's a little bit of a language barrier when it comes to understanding the law. I'm not sure what's going on with him right now.

    Edit: Thanks for the responses, I'm going through them one at a time and I'll try to address everyone. I may have some more questions down there.

    submitted by /u/throwaway_21561942
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    [MI Michigan, USA] HR told me to dye my gray roots

    Posted: 27 Sep 2020 02:40 PM PDT

    My HR department has been nitpicking me over everything lately but their recent attack left me floored. They told me that my gray roots were unprofessional looking and that I needed to dye over them so my hair is one uniform natural color.

    There's no specific provision in the salaried workers handbook that states female employees over 40 are prohibited from going gray naturally. The only rules are no wild artificial colors or haircuts.

    Does this count as age discrimination?

    Thanks!

    submitted by /u/DV8fromthaNrm
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    My fiance's job makes him go to 32 hours of unpaid meetings a month. He's classified as an independent contractor, but I think he should be an employee.

    Posted: 28 Sep 2020 12:02 PM PDT

    My fiance is a ballroom dance instructor who works for a studio in Florida. We have two main issues with the studio:

    Number one, they have him classified as an independent contractor, but they require 8 hours of weekly meetings and trainings, require a specific teaching and sales procedure, do not allow him to teach or advertise outside of the studio, the studio sets his rates, and the studio tells him specific events that he MUST be present for. These are all qualities of an employer/employee relationship (Not to mention the fact that he is a dance instructor at a dance studio... So The work he does is the main function of the company). From what I read on the IRS website, I think he should be classified as an employee. The biggest issue here is the impact it has on taxes. An employer has an obligation to pay a certain percentage of the income taxes for employees, but a company has no such obligation to contractors.

    Number two, they require an absurd amount of unpaid work. He has 8 hours of weekly *unpaid* mandatory meetings and trainings. In addition, the studio gives each new student one free lesson and a 3-lesson package at an introductory rate. If the student does not buy any more lessons beyond the first 4, my fiance gets paid nothing for teaching the 4 lessons. Plus, the studio offers students free lessons as incentives for buying bigger packages, referring new students, etc. My fiance has no say in how many free lessons they offer, and he does not get paid for the free lessons the studio gives the student- but he is obligated to teach the free lessons. His newest student was given 5 free lessons. He is also required to be present for parties and performances, which he also does not get paid for.

    Yesterday we calculated that in the last 3 months, he has done over 160 hours of unpaid work (including meetings and trainings). There have been some months, since he started working there, where he averaged less than minimum wage for the total hours he worked.

    Is it legal to require this much free labor, even from a contractor?
    Is there any legal action we can take to get him retroactively paid for the hours he has worked or at LEAST require that the studio pay him for all worked hours going forward?
    Can we get him reclassified as an employee so that the studio is responsible for their part of the taxes?

    submitted by /u/Dolsey3
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    Trash guys keep blocking my drive for years (central IN)

    Posted: 28 Sep 2020 05:28 AM PDT

    Sorry if the format is wrong, son told me about this site and Im on my phone. As stupid as it sounds the trash guys keep lining the trash cans of my neighbors across my drive blocking me in. I have been late to work multiple times because the extra time I have to take to clear out the drive so I can leave. I've spoken with the utilities company multiple times over the last few years and it hasn't changed also with the head of the trash company of central Indiana. They even dropped by my house when Covid started getting bad, unannounced and without masks, for a face to face meeting. I need help to get this to stop.

    submitted by /u/Jjoh104668
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    Apartment complex changed management companies in the middle of my move-in. I am now being charged higher rent than is on the lease I signed with the old management company, but did not sign a new lease. Are they allowed to do this? (FL)

    Posted: 28 Sep 2020 09:09 AM PDT

    So I began my move-in process with the original property management company, who approved me and sent me a lease which I signed agreeing to pay $X per month. When I brought my documents to pick up my keys, the representative said I needed to sign a lease. I explained that I had, and they asked if I could provide them with it as they were a new company. I e-mailed them my digitally signed copy and thought that was it.

    I paid my first month's rent, which was about the amount I agreed to. Looking back they had applied some kind of credit to it which made it roughly equal to the original amount. However I looked at next month's bill and there is no credit, just a charge for $X + 200 listed as "Rent." Water/sewer are listed and charged separately, so I don't think it's that.

    Since the old property management company is listed on the lease I signed as the representative of the complex, is it still valid? Could they legally continue to charge me increased rent, or try to force me to sign a new lease for an amount higher than what I agreed to? I spoke with someone at the leasing office, they confirmed that I am in fact being charged more than is listed on the lease I provided, and will need the manager to call me back. Hopefully they do the right thing and honor my original agreement, but in my experience with large corporate landlords, they will not, so I'm trying to determine if I have any recourse.

    Any insight appreciated!

    submitted by /u/slumlordhundredaire
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    Ex BF lied about being infertile and STD free, showed me falsified documents, and now I have 2 STDs and am pregnant

    Posted: 28 Sep 2020 08:13 AM PDT

    On mobile.

    Basically what the title says. I recently found out the guy I was seeing was using me and about 8 other girls to cheat on his main girlfriend. Before we had sex for the first time, he showed me falsified documents that proved he was infertile and didn't have any STDs. After I found out the truth, I went to my OBGYN to get tested for STDs and found out that not only do I have 2 STDs, but that I'm also pregnant. I'm not sure if this makes things any more clearer (or more difficult) but he's also in the US military (DOD and National Guard) and is being deployed to a mission in Texas on October 6th. Is there any legal action I can take to hold him accountable? If I knew the truth about his fertility or his STDs, I would not have engaged in sex with him.

    Edit: Could this be considered Rape by Deception?

    submitted by /u/wonder-Be
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    Counter Notice for a DMCA

    Posted: 28 Sep 2020 10:00 AM PDT

    Hi guys,

    I recently filed a DMCA on Etsy for one of my original works that is officially copyrighted with the US Copyright Office. The user took an exact tracing of my design and sold it in sticker form. I sent them a DMCA but they counter claimed the DMCA claiming they have rights to use the material in question.

    I have 10 days to submit legal action. The shop in question is very small time. What is the next step for me? Do I have to take legal action against them and seek damages?

    Per Etsy policy, if I send off a DMCA and the other user files a counterclaim, the sender of the DMCA can take a hit against their account instead of the offender. This can hurt my stats.

    I'd appreciate any advice on how to proceed with this. I haven't had an opportunity to proceed with legal damages yet.

    Edit: location Arizona, USA

    submitted by /u/rootingforme
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    [Wisconsin] My SO's father committed suicide inside his car, the spouse doesn't want to keep the car but the loan was transfered to her because both names are on the car. What are her options?

    Posted: 28 Sep 2020 10:02 AM PDT

    She can't afford the payments on it because her husband was the breadwinner but even then, due to the nature of her husbands death she doesn't want the car regardless. She called the dealer and they won't take the car back and as far as I've heard there isn't a way to forgive the loan. Is there any options to prevent her credit score from plummeting since she literally has to start her life over. Anything to mitigate the financial damage would be a great help.

    Edit: The car is only a year old

    submitted by /u/Orochiwonka
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    My dad made a joint account under my social without my knowledge and left me with $5k in Taxes.

    Posted: 28 Sep 2020 07:07 AM PDT

    So a few weeks ago I got a letter from the IRS proposing that I owed them over $5k, including interest, for money that had been taken out of an Edward Jones Investment account. After some digging I figure out it was a joint account under my social number that my dad had made, and in 2018 had taken all of the $23k that was in the account and transferred it to one of his. He acknowledged it and insists that he will pay it, only he wants to pay it under my name, or send me a check. I believe this account was made when I was a minor. Also it is probably important to note that he is abusive and I can't imagine a time in my life that he asked me to sign something and I questioned him. A person I spoke to at Edward Jones said that because the account was closed in 2018, it's too late to change the social it's associated with but recommended something called Nominee Tax Reporting. I really just don't want it on my record that I received money I never did, and I also want to protect myself from getting anymore surprise letters because of my negligent dad. I don't have much knowledge about taxes, what should I do? By the way the account was made in Georgia and I live in Illinois.

    Edit: updated to tell location and some more background.

    submitted by /u/Ok_Fuel_6916
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    Rental application: They say that if I back out after Im apporved, they can take a security deposit? How can you keep something that I didn't pay yet?

    Posted: 28 Sep 2020 10:58 AM PDT

    "In the event, you decide not to execute the lease agreement after your application has been approved, you agree that the Holding Deposit (equal to the Security Deposit under the executed lease) is non-refundable and will be forfeited to the owner as liquidated damages."

    Can someone explain to me what this means? Like just because I am approved, I never paid them a deposit just because I got approved. I get it if I commit and back out, like makes sense but Im literally just applying at the moment. Doesn't amke sense to me.

    EDIT: this is from a rental application in Gainesville, FL

    submitted by /u/shadowemokitty
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    Belkin changed their Warranty without notice

    Posted: 28 Sep 2020 08:20 AM PDT

    At the end of last year I bought my Belkin screen protector at the Apple Store in NY for $40 with "limited lifetime warranty" that protected against all scratches and cracks. I was okay with paying that much money for a quality screen protector that could be replaced during the limited lifetime warranty which is probably 5ish years?

    This year, less than a year later, I contacted them to get a replacement for my screen. I was told that the warranty had been changed in August and would no longer cover cracks accidental or on purpose. I was never given any notice at all and the packaging (needed it for warranty coverage proof) even states that it covers cracks.

    How am I supposed to trust any warranty program moving forward? What should/can I do??

    submitted by /u/synonnn
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    Someome I known, is an adult, just got a new job and they are using his/her SSN as his/her employee ID.

    Posted: 28 Sep 2020 11:56 AM PDT

    Let's call this individual Jake for the sake of anaminity. Jake just got a job recently and they are using his SSN as his employee ID. They require Jake to clock into work using the last 4 of his employee ID (which again is his scocial). He then gets his first paycheck which he finds displayed openly on the office desk where all employees have access to and his employee number (which again is his SSN) printed on the check. So now his entire SSN is on display for anyone who walks in to see with his paycheck just openly displayed for all his coworkers. He has tried to contact his boss and it has been 3 days with no reply. Jake is giving his manager a call again today to see if he can change his employee number. He will have another paper check coming in soon since direct deposit hasn't kicked in yet. Is this even legal? What are our options if this continues? Jake just works at a minimum wage beverage place if that makes a difference.

    Edit: Jake's location is California, USA

    submitted by /u/that_girl_sam456
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