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Jul/09Mark Cappel
July 23, 2009Bill - when I went to Loma Linda dermatology group, I was told there that my insurance was accepted and that they were contracted with my insurance, Cigna. I received a bill from Cigna and called the clinic immediately and repeatedly. I was told "not to worry, the bill is being taken care of. Cigna promised to take care of all of out patients during this period of time, it was a pa...
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Jul/09Mark Cappel
July 23, 2009I am in a financial crisis! I am divorced and now single at 54 years old. I have lost my job and have no income whatsoever from any source. (I'm sending out resumes like crazy too.) I have had my house listed for sale for 6 months, but with no interested buyers. I am receiving social assistance of only $800 a month, and utilizing the food bank in my community to feed myself and my son. I hav...
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Jul/09Mark Cappel
July 23, 2009My husband and I were responsible borrowers. We built the house of our dreams. It was on the high end of our budget but we could afford it. The dream fell apart when cracks started to appear in the ceiling, walls, and foundation. In short we found out that it was built on hydro-collapsible soil. (When the soil gets wet it collapses.) The minimum to fix is $50,000 but it could be as high a...
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Jul/09Mark Cappel
July 22, 2009
I live in Florida, can I be charged with theft by check? I used Langhorne Debt solutions to resolve my payday loans, but Summit Group LLC, and CMG group said they don't work with them. Now they are stating that I owe them $6,000 which is 3K per loan. The original loan amount was only $300.
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Jul/09Mark Cappel
July 22, 2009
I am filing bankruptcy and have a lawsuit filed against my construction company. Will I be liable or can that be filed with the bankruptcy? I am in Ohio.
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Jul/09Mark Cappel
July 22, 2009My mom took out an equity loan and but later placed the property in my name. The loan is now in foreclosure. She is working to get it modified but would there be a problem since the property is in my name? All the paperwork the bank has asked for so far (insurance letter, and so on) are all in my mom's name still but the property tax notice is in my name. Will the bank be unreceptive because of th...
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Jul/09Mark Cappel
July 22, 2009
I was divorced in November 2007. My ex was under the divorce decree ordered to pay a one-year free financing loan we had (I was primary and she was co). Under the same decree I was ordered to pay her credit card (which she was primary and I was co). I was paying credit card and have proof. She decided she was not liable to pay the free financing loan because it had lapsed the one-year, inter...
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Jul/09Mark Cappel
July 22, 2009I was told by my employer they received an order to garnish my wages. I was completely unaware of it because I was in a repayment plan with this credit card company. When I contacted them they said my payment arrangement was only for one of the 2 accounts I had with them even though in 2007-08 they had split the payment between the 2 accounts. I guess I assumed when they contacted me with a settle...
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Jul/09Mark Cappel
July 22, 2009If I bought a car 2 days ago, and signed all the documents. Can the dealership call me asking for more money down and can they change the loan agreement?
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Jul/09Mark Cappel
July 21, 2009
We are upside down on some property in Alabama. Bought it for $400K. Have had on the market for $200K with no interest. We owe $200K to a bank and $200 to the original seller. We are trying to workout an extension with the bank, but we think the original seller is going to go for a judgment against us. We are moving to Arkansas, but I will be commuting and working in Texas. What laws apply r...
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