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az3yna | legaladvice_train | 0.98 | Doctor sent me to get bloodwork at an in-network diagnostics center, and I’ve been sent a $1700 bill with a note saying these charges were denied payment by insurance based on the diagnosis reported by the physician. The title basically says it all. This is in California. I went in for a checkup with a new doctor since I haven’t been to a doctor in about 8 years. He ordered blood tests and then never called me for a follow up, so I never went back assuming the blood tests came back fine. Now I have this huge bill from the blood test center that’s been denied by insurance. I only make 18K a year since I only work part time while I’m in school and I spend it all on bills. I have no savings and I have no way to pay for this. What should I do? Edit: added location | ei5ymf0 | ei5j92w | 1,552,166,517 | 1,552,154,797 | 3 | 2 | First call the insurance department at the doctors office and ask them to look at it. If they say there is nothing that they can do try calling the lab billing department. I work at a lab and we have a repayment plan for those that have lower income. Most of the time patients end up paying nothing just by filling out a few forms. Best of luck! 🍀 | Check the codes and get a explanation of benefits from insurance. Be proactive because unfortunately you’re ultimately responsible for the bill. Edit: typo | 1 | 11,720 | 1.5 |
az3yna | legaladvice_train | 0.98 | Doctor sent me to get bloodwork at an in-network diagnostics center, and I’ve been sent a $1700 bill with a note saying these charges were denied payment by insurance based on the diagnosis reported by the physician. The title basically says it all. This is in California. I went in for a checkup with a new doctor since I haven’t been to a doctor in about 8 years. He ordered blood tests and then never called me for a follow up, so I never went back assuming the blood tests came back fine. Now I have this huge bill from the blood test center that’s been denied by insurance. I only make 18K a year since I only work part time while I’m in school and I spend it all on bills. I have no savings and I have no way to pay for this. What should I do? Edit: added location | ei5ymf0 | ei5tvd2 | 1,552,166,517 | 1,552,162,720 | 3 | 2 | First call the insurance department at the doctors office and ask them to look at it. If they say there is nothing that they can do try calling the lab billing department. I work at a lab and we have a repayment plan for those that have lower income. Most of the time patients end up paying nothing just by filling out a few forms. Best of luck! 🍀 | I would agree with the rest and call the office and ask what you said here. Sometimes doctors need to put more specific codes, and this can depend on the insurer, ie blue cross vs aetna, so if you were on a different plan you can just put screeing otherwise you have to put weight gain or weight loss, or fatigue or something, else, typically the conversation you had with the doctor should be enough information for them to fix it. Labs really want to keep doctor's office's happy, and doctor's office's want to keep patients happy so patients keep coming back. Ask for the office manager on Monday and explain what's going on | 1 | 3,797 | 1.5 |
7wjtdf | legaladvice_train | 0.79 | I had a dentist appointment scheduled to extract two teeth. The teeth were removed BUT instead of removing the one in front of my wisdom tooth she removed my wisdom tooth by mistake! The other tooth was the correct one but she punctured my nasal cavity! Instead of explaining what they did they lied and acted as though all went accordingly. Also the teeth were infected. I need to know if I have a malpractice suit? If yes how do I proceed? I already went to the ER for documentation directly after the debacle. | du0ywip | du0wv7s | 1,518,247,521 | 1,518,243,440 | 21 | 2 | Some roots on teeth actually do puncture the nasal cavity. It causes issues. If your teeth were infected, did they give you an antibiotic to take a week before the procedure? I actually had an infected tooth extracted once. There wasn't enough numbing medicine I. The world to make up for the pain. The infection just sopped it up. And usually...they verify which teeth they are performing the procedures on a couple of times before they actually do it. Both in your mouth, and on paper. You also sign a waiver. | ---
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Author: /u/dirteMcgirt
Title: **I had a dentist appointment scheduled to extract two teeth. The teeth were removed BUT instead of removing the one in front of my wisdom tooth she removed my wisdom tooth by mistake! The other tooth was the correct one but she punctured my nasal cavity!**
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> Instead of explaining what they did they lied and acted as though all went accordingly. Also the teeth were infected. I need to know if I have a malpractice suit? If yes how do I proceed? I already went to the ER for documentation directly after the debacle.
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y0gmaq | legaladvice_train | 0.93 | Dentist broke a needle, losing it in my gum Hi there. For location purposes, I live in New Jersey. I recently visited a dentist to have a crown placed this past Thursday, 10/6. When the dentist was injecting me with the numbing agent, the needle broke and is now impacted in my gum. The dentist immediately tried to retrieve it, but had no success. She then referred me to their oral surgeon and had me drive to a different location 15 minutes away where the oral surgeon was practicing. I got there and waited around just to find out their oral surgeon couldn't help me so they sent me to another oral surgeon who took an X-ray and informed me that it may be best to leave it alone since it currently is not bothering me (I was still numb during my visit with her). She told me to go to the ER if it does begin bothering me and, if severe enough, she can meet me at the ER to perform surgery. Fast forward to Friday, 10/8 I go to the ER because it's bothering me. They call the oral surgeon who recommended I go if it is bothering me for her to say she doesn't feel comfortable performing the surgery because of the location of the needle and the fact that she has never encountered anything like this. They recommend I see a general surgeon and give me contact information for one. Now I am here, still with this needle impacted in my gum waiting to get evaluated by someone else who cannot see me until 10/27. The dentist I originally saw who did this bent the needles for the injection at the hub which is apparently something that should not be done. I want to make sure that this office will be covering all of my medical expenses, so I am wondering what sort of lawyer I should be seeking out for this? | irrtpqc | irsajcn | 1,665,416,472 | 1,665,423,207 | 60 | 86 | You may not need a lawyer. The dentist has malpractice insurance. Get the name of their insurance company. Contact the provider. Malpractice insurance companies hate going to court, it costs them 10 times as much as settling out of court. Keep track of all your expenses, time frames etc. pain and suffering, any lost wages etc. | Not a lawyer But the lawyer you want to talk to is a medical malpractice lawyer. And you need to do it real quick, before the bills start to come in. You need to talk to the lawyer and get some good legal advice and options that you have. This sounds like it is far more complicated and no one is wanting to touch it, making it far worse. | 0 | 6,735 | 1.433333 |
wkyva8 | legaladvice_train | 0.94 | Employer withholding pay, stranding us 2600 miles away from home Louisiana. My boyfriend and I are truckers. We work as independent contractors running under someone else's MC. We make deliveries, they get paid 20%, we get paid 80%. We are currently owed 3500 dollars. Our employer stopped paying us 3 weeks ago, but because we had a load on our truck at the time, sent us roughly 900 dollars for gas to get us to our location. (We didn't realize at the time she wasn't paying us, she said it was an issue with the brokerage holding payment for whatever reason). Once we dropped off we were completely broke and stranded. I have texts from her saying she can't send us any money, despite us earning it, and despite the brokerage we ran the goods for telling us that they already paid out for the load. She told us to get family and friends to send us money bc she "can't help us anymore". We EARNED that money. We EARNED it. She isn't helping us with anything. I want to sue, but I have no idea who to contact about this. And I also, obviously, can't afford to pay a lawyer up front. We have a signed agreement that says she is responsible to pay us and if we don't get paid we can only go after her for payment, and we have not seen a dime since the 15th of last month. We're almost home now, but only because family and friends have come out of pocket helping us get there. We're still 600 miles away and not sure how well get the rest of the way. We have two kids at home that we need to get back to. We were only supposed to be gone 3 weeks and it's been almost a month and a half. She has resorted at this point to personal insults directed at not only me, but our family and children. What do I do? What type of lawyer do I call? Do I even have a case? Help. Please. | ijru1rw | ijrklls | 1,660,166,238 | 1,660,162,703 | 38 | 25 | If it's for $3500, you can file a case in small claims court. No lawyer needed. From what you've said it sounds like you should have a pretty good case. The process is unlikely to get you your money back quickly (if at all, depending on the reason for non-payment). You might want to try some of the channels that others have suggested first. | You probably won’t be able to get it resolved in a timely manner without waiting a while. You might want to look into other options to get home. Are you driving your own truck? | 1 | 3,535 | 1.52 |
wkyva8 | legaladvice_train | 0.94 | Employer withholding pay, stranding us 2600 miles away from home Louisiana. My boyfriend and I are truckers. We work as independent contractors running under someone else's MC. We make deliveries, they get paid 20%, we get paid 80%. We are currently owed 3500 dollars. Our employer stopped paying us 3 weeks ago, but because we had a load on our truck at the time, sent us roughly 900 dollars for gas to get us to our location. (We didn't realize at the time she wasn't paying us, she said it was an issue with the brokerage holding payment for whatever reason). Once we dropped off we were completely broke and stranded. I have texts from her saying she can't send us any money, despite us earning it, and despite the brokerage we ran the goods for telling us that they already paid out for the load. She told us to get family and friends to send us money bc she "can't help us anymore". We EARNED that money. We EARNED it. She isn't helping us with anything. I want to sue, but I have no idea who to contact about this. And I also, obviously, can't afford to pay a lawyer up front. We have a signed agreement that says she is responsible to pay us and if we don't get paid we can only go after her for payment, and we have not seen a dime since the 15th of last month. We're almost home now, but only because family and friends have come out of pocket helping us get there. We're still 600 miles away and not sure how well get the rest of the way. We have two kids at home that we need to get back to. We were only supposed to be gone 3 weeks and it's been almost a month and a half. She has resorted at this point to personal insults directed at not only me, but our family and children. What do I do? What type of lawyer do I call? Do I even have a case? Help. Please. | ijrnnkr | ijru1rw | 1,660,163,838 | 1,660,166,238 | 12 | 38 | Not a lawyer, but it does sound like you have a case. Get some local lawyer referrals from the bar association closest to you and make a handful of phonecalls for consults. Most lawyers will at least listen to your inital story for free and many will only take their payment at the end, if/when you recover from your employer (that is, no additional out of pocket costs to you). Keep track with receipts and whatever notes you can cobble together of how much money it cost you to get home after you were stranded; what you borrowed from family, what housing and transportation back cost, extra childcare costs, etc. Those "incidental" costs are likley recoverable too, in addition to the fee from the contract. | If it's for $3500, you can file a case in small claims court. No lawyer needed. From what you've said it sounds like you should have a pretty good case. The process is unlikely to get you your money back quickly (if at all, depending on the reason for non-payment). You might want to try some of the channels that others have suggested first. | 0 | 2,400 | 3.166667 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc7zkd4 | hc7duw3 | 1,631,217,466 | 1,631,208,543 | 2,094 | 557 | OP your best bet is to contact the labor department for your state and ask. They will be able to tell you whether this is legal or not. Then start looking for a new job regardless of what they say. This is not an employer that values you. Good luck! | Federal law protects against discrimination for the *presence* (not absence) of children, but is silent on marital status. Michigan does protect on the basis of marital status, and in about half the states this does *not* apply to unmarried people. The Elliott-Larsen Civil Rights Act in Michigan apparently does apply in situations where an employer makes a decision based upon whether a job applicant or employee is married *or* single. You can contact the Michigan Department of Civil Rights to confirm. | 1 | 8,923 | 3.759425 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc7zkd4 | hc7ci0n | 1,631,217,466 | 1,631,207,990 | 2,094 | 323 | OP your best bet is to contact the labor department for your state and ask. They will be able to tell you whether this is legal or not. Then start looking for a new job regardless of what they say. This is not an employer that values you. Good luck! | Tell you supervisor you need that in writing. Then take it and speak to someone over your supervisor’s head. If that doesn’t work lawyer up. There’s nothing okay about that. | 1 | 9,476 | 6.482972 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc8h3j9 | hc7duw3 | 1,631,224,690 | 1,631,208,543 | 732 | 557 | OP whatever advice you’re getting, a small company can blow you out in five minutes. Your best bet is find another job as soon as you can. They’ve now clearly shown you they don’t value you or respect you. Unfortunately you have little to no leverage, and even if it’s demonstrably illegal. They can blow you out, or you can report them and they retaliatory fire you. Point is you’re out of work with legal remedies years away. Find a new job and report them later. | Federal law protects against discrimination for the *presence* (not absence) of children, but is silent on marital status. Michigan does protect on the basis of marital status, and in about half the states this does *not* apply to unmarried people. The Elliott-Larsen Civil Rights Act in Michigan apparently does apply in situations where an employer makes a decision based upon whether a job applicant or employee is married *or* single. You can contact the Michigan Department of Civil Rights to confirm. | 1 | 16,147 | 1.314183 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc7ci0n | hc8h3j9 | 1,631,207,990 | 1,631,224,690 | 323 | 732 | Tell you supervisor you need that in writing. Then take it and speak to someone over your supervisor’s head. If that doesn’t work lawyer up. There’s nothing okay about that. | OP whatever advice you’re getting, a small company can blow you out in five minutes. Your best bet is find another job as soon as you can. They’ve now clearly shown you they don’t value you or respect you. Unfortunately you have little to no leverage, and even if it’s demonstrably illegal. They can blow you out, or you can report them and they retaliatory fire you. Point is you’re out of work with legal remedies years away. Find a new job and report them later. | 0 | 16,700 | 2.266254 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc7ci0n | hc7duw3 | 1,631,207,990 | 1,631,208,543 | 323 | 557 | Tell you supervisor you need that in writing. Then take it and speak to someone over your supervisor’s head. If that doesn’t work lawyer up. There’s nothing okay about that. | Federal law protects against discrimination for the *presence* (not absence) of children, but is silent on marital status. Michigan does protect on the basis of marital status, and in about half the states this does *not* apply to unmarried people. The Elliott-Larsen Civil Rights Act in Michigan apparently does apply in situations where an employer makes a decision based upon whether a job applicant or employee is married *or* single. You can contact the Michigan Department of Civil Rights to confirm. | 0 | 553 | 1.724458 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc9vh0k | hc9r2bz | 1,631,248,016 | 1,631,245,667 | 20 | 11 | get that in an email or ask for a copy of the policy for your better understanding. That is worth its weight in gold | This, as many have stated, is very questionable as far as legality. Morally speaking, and practically speaking, it's pretty bad though. I would really encourage you to look for another job, as others have. However, from my sleuthing, no, this doesn't appear to be illegal in and of itself on the basis of discrimination based on *lack of children*. However, I am Not a lawyer and may not be privy to the details of MI's labor laws. /u/throw040913 's advice to check with the MI dept. of civil rights and/or the MI dept. of labor (assuming that's a separate entity in MI?) is where I would start if you want to see if you can *force* your employer to do something different. | 1 | 2,349 | 1.818182 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hcadcbp | hcayhad | 1,631,261,089 | 1,631,276,962 | 11 | 12 | Ask her to put it in writing. The best way to do that is to send her an email saying, "I just wanted to confirm my understanding from our conversation on Wednesday that I'm not eligible for paid time off in 2021 because those slots are reserved for staff who have children." Try to make it sound as innocuous as possible yet be clear on the details -- when the conversation was, and the reason you can't have time off, etc. Even if she never replies, that's hard evidence. She would need to reply with a denial for it not to be evidence. Then go to your state's fair employment site to make sure that your company is covered (like has at least 50 employees or something like that -- although I'm pretty sure some forms of discrimination aren't allowed for even small companies.) Look into how to file a complaint. Also check the Federal fair employment site to see what it says -- typically they ask you to file with the state. The state will investigate, and your company's insurance company will try to settle before your complaint goes to court. Play hardball. Like at least a few months' salary hardball. You won't even need to hire a lawyer to get a settlement. One thing: It's easiest to get a settlement for a complaint of retaliation. So you might want to take this to HR, sending "confirmation emails" after each meeting, and pretty much insist that you're taking your vacation from X date to Y date. If they retaliate, then you can file a complaint about that. But yes, this is illegal. Your time off, paid or unpaid, is determined by your job offer, how much you've accrued, and what the business needs are. Not by your parental status. | Best advice - find that new job and a start date around when you wanted to take a vacation from your current job. When time comes, simply show up to old job and tell them you’re excited about your upcoming vacation. When they tell you you can’t take it again, inform them you are in fact, taking said vacation and quit on them, on the spot. Fuck them. Enjoy your time off. | 0 | 15,873 | 1.090909 |
pl23gf | legaladvice_train | 0.98 | MI- I was planning to visit my family out of state this holiday season but my supervisor told me (verbally) I can't have any time off this season because I'm single and have no children, she said said everyone else will get time off because they have children. Are they allowed to do this? | hc9r2bz | hcayhad | 1,631,245,667 | 1,631,276,962 | 11 | 12 | This, as many have stated, is very questionable as far as legality. Morally speaking, and practically speaking, it's pretty bad though. I would really encourage you to look for another job, as others have. However, from my sleuthing, no, this doesn't appear to be illegal in and of itself on the basis of discrimination based on *lack of children*. However, I am Not a lawyer and may not be privy to the details of MI's labor laws. /u/throw040913 's advice to check with the MI dept. of civil rights and/or the MI dept. of labor (assuming that's a separate entity in MI?) is where I would start if you want to see if you can *force* your employer to do something different. | Best advice - find that new job and a start date around when you wanted to take a vacation from your current job. When time comes, simply show up to old job and tell them you’re excited about your upcoming vacation. When they tell you you can’t take it again, inform them you are in fact, taking said vacation and quit on them, on the spot. Fuck them. Enjoy your time off. | 0 | 31,295 | 1.090909 |
qrw018 | legaladvice_train | 0.96 | Wife's horse bit a kid at the facility we were boarding the horse. We got a letter that they parents are suing us for damages. (CO) Hi all, About a month ago, my wife's horse bit a kid. The horse was in its pen, the kid was in the adjacent pen. The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. We got a letter today saying that they are suing us for damages. We don't have liability insurance. Regarding liability insurance, the letter specifically says: >If you were uninsured, at the time of the accident, please write so on the bottom of this letter and return same to us. I haven't been sued before so I don't know what to do. When should we get a lawyer? Should we respond to the firm? Any help is appreciated. | hk98kim | hk9u1hc | 1,636,668,030 | 1,636,678,000 | 229 | 812 | Get the lawyer now. Let them reply to the lawsuit/firm. I think there are some states where you (the parents, in this case) assume some liability when you're in an agricultural setting like this, especially around a bunch of animals from different owners. Don't suppose you have any witnesses that might have noticed if the kid was antagonizing the house? Check your homeowner's insurance. It probably won't cover you, but it never hurts to read the policy. | Here is the link to a summary of the CO equine liability law. I am not a CO lawyer, but I'm a lawyer and a horse owner in a state with a similar statute, and it seems to me a CO lawyer with even a modicum of familiarity with this law will be able to prepare a successful defense for you. Find an equine lawyer quickly. Do not reply to the letter you have received, and give to your new lawyer ASAP. This letter is a letter only to determine if you are represented by counsel. Once the opposing side knows you have a lawyer, they will only be able to communicate with your counsel, not you. Also, don't talk to anyone in your barn about this - I'm sure you already know how stories fly around horse barns and everyone gossiping about this and putting their two cents in will not help this situation. Edited to add the link! https://www.animallaw.info/statute/co-equine-activity-liability-statute-article-21-damages | 0 | 9,970 | 3.545852 |
qrw018 | legaladvice_train | 0.96 | Wife's horse bit a kid at the facility we were boarding the horse. We got a letter that they parents are suing us for damages. (CO) Hi all, About a month ago, my wife's horse bit a kid. The horse was in its pen, the kid was in the adjacent pen. The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. We got a letter today saying that they are suing us for damages. We don't have liability insurance. Regarding liability insurance, the letter specifically says: >If you were uninsured, at the time of the accident, please write so on the bottom of this letter and return same to us. I haven't been sued before so I don't know what to do. When should we get a lawyer? Should we respond to the firm? Any help is appreciated. | hk9u1hc | hk9f1pk | 1,636,678,000 | 1,636,670,824 | 812 | 44 | Here is the link to a summary of the CO equine liability law. I am not a CO lawyer, but I'm a lawyer and a horse owner in a state with a similar statute, and it seems to me a CO lawyer with even a modicum of familiarity with this law will be able to prepare a successful defense for you. Find an equine lawyer quickly. Do not reply to the letter you have received, and give to your new lawyer ASAP. This letter is a letter only to determine if you are represented by counsel. Once the opposing side knows you have a lawyer, they will only be able to communicate with your counsel, not you. Also, don't talk to anyone in your barn about this - I'm sure you already know how stories fly around horse barns and everyone gossiping about this and putting their two cents in will not help this situation. Edited to add the link! https://www.animallaw.info/statute/co-equine-activity-liability-statute-article-21-damages | >The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. Both of those are bad for you, as they establish that you were aware of a specific hazard and did not take prompt steps to mitigate it. >We don't have liability insurance That's not good either. Is that a matter of "we didn't think we needed it to own and board a horse" or "we haven't gotten around to it" ? Your homeowners or renter's insurance probably excludes this, but it can't hurt to ask them. >a letter today saying that they are suing us for damages. Not a "summons and complaint", but just a letter, correct ? Does it specify an amount they will settle for ? Was the barn owner also sued ? >When should we get a lawyer? Promptly. Any general practice civil attorney who handles personal injury defense can handle the mechanics of this kind of lawsuit. But you will also want to ask them, and maybe base your search on, knowledge of Colorado's equine liability law. CRS 13-21-119 limits the liability of equine activity providers like boarders and horse owners, in recognition of the inherent risks assumed by participants. | 1 | 7,176 | 18.454545 |
qrw018 | legaladvice_train | 0.96 | Wife's horse bit a kid at the facility we were boarding the horse. We got a letter that they parents are suing us for damages. (CO) Hi all, About a month ago, my wife's horse bit a kid. The horse was in its pen, the kid was in the adjacent pen. The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. We got a letter today saying that they are suing us for damages. We don't have liability insurance. Regarding liability insurance, the letter specifically says: >If you were uninsured, at the time of the accident, please write so on the bottom of this letter and return same to us. I haven't been sued before so I don't know what to do. When should we get a lawyer? Should we respond to the firm? Any help is appreciated. | hk9f1pk | hkae9uq | 1,636,670,824 | 1,636,687,431 | 44 | 123 | >The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. Both of those are bad for you, as they establish that you were aware of a specific hazard and did not take prompt steps to mitigate it. >We don't have liability insurance That's not good either. Is that a matter of "we didn't think we needed it to own and board a horse" or "we haven't gotten around to it" ? Your homeowners or renter's insurance probably excludes this, but it can't hurt to ask them. >a letter today saying that they are suing us for damages. Not a "summons and complaint", but just a letter, correct ? Does it specify an amount they will settle for ? Was the barn owner also sued ? >When should we get a lawyer? Promptly. Any general practice civil attorney who handles personal injury defense can handle the mechanics of this kind of lawsuit. But you will also want to ask them, and maybe base your search on, knowledge of Colorado's equine liability law. CRS 13-21-119 limits the liability of equine activity providers like boarders and horse owners, in recognition of the inherent risks assumed by participants. | The barn should be liable, not you. The horse is owned by you but it was under the supervision of the barn. It would be the same as if your friend took your car and hit someone. Your friend is responsible as they’re operating the car. | 0 | 16,607 | 2.795455 |
qrw018 | legaladvice_train | 0.96 | Wife's horse bit a kid at the facility we were boarding the horse. We got a letter that they parents are suing us for damages. (CO) Hi all, About a month ago, my wife's horse bit a kid. The horse was in its pen, the kid was in the adjacent pen. The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. We got a letter today saying that they are suing us for damages. We don't have liability insurance. Regarding liability insurance, the letter specifically says: >If you were uninsured, at the time of the accident, please write so on the bottom of this letter and return same to us. I haven't been sued before so I don't know what to do. When should we get a lawyer? Should we respond to the firm? Any help is appreciated. | hkb1x5p | hkaw85a | 1,636,701,059 | 1,636,697,024 | 34 | 21 | I am a vet tech, not a lawyer, but I would think the strength of their case is highly dependent on the extent of the injury for one thing, and whether it broke the skin, which is the criteria we use that determines whether we need to fill out a bite report for animal control. Also whether the injury is documented with pics and medical records. I know horses can bite pretty hard and have been bitten myself to the extent that the skin was broken (although barely) when I was taking my large animal course in school, but the bigger question that comes to my mind is why weren't the parents controlling their child? Have they never seen a horse before? Is size and strength alone should be an instant warning to a parent to protect their child in the presence of horses, or any animal for that matter. It's their fault before anyone else's -they should know better than to be so careless with their child in a place where there are all kinds of dangers to children and adults...poor parenting! People will take advantage of any situation they encounter if they think they can profit from it... | OP, I’m neither familiar with “horse law” nor a Colorado-licensed attorney (nor your attorney) — but I am an insurance coverage attorney. Consequently, echoing some others here I would say that if you have homeowners or renters insurance you should read your policy and/or tender the claim to them. (I generally suggest you just to tender it and let a someone who specializes make a decision rather than conclude for yourself there’s no coverage unless it’s very, very clear to you from the policy language that there isn’t). HO and renters policies ARE “liability” policies (though renters policies’ liability coverages can be extremely curtailed). HO policies in particular are generally written to dovetail so that they broadly cover you for liability you incur in day-to-day life that isn’t specifically auto or business related (which would be expected to be covered under your auto policy and a commercial liability policy, respectively). There are obviously lots of exceptions, and some companies’ coverage is much broader than others. The bottom line, though, is that although it’s entirely possible it does not cover you, it is also entirely possible your HO or Renters policy does provide coverage for this. | 1 | 4,035 | 1.619048 |
qrw018 | legaladvice_train | 0.96 | Wife's horse bit a kid at the facility we were boarding the horse. We got a letter that they parents are suing us for damages. (CO) Hi all, About a month ago, my wife's horse bit a kid. The horse was in its pen, the kid was in the adjacent pen. The horse had previously bitten the owner of the barn. The owner + my wife were in the process of putting up signs about the horse being a biter, but they weren't up yet. We got a letter today saying that they are suing us for damages. We don't have liability insurance. Regarding liability insurance, the letter specifically says: >If you were uninsured, at the time of the accident, please write so on the bottom of this letter and return same to us. I haven't been sued before so I don't know what to do. When should we get a lawyer? Should we respond to the firm? Any help is appreciated. | hkbaf73 | hkb3kbq | 1,636,708,086 | 1,636,702,346 | 19 | 18 | Way too many people are way too eager to sue and way too many lawyers taking on ridiculous cases, they just want a big payout, friend got sued when a woman and a minor climbed over his fence and into his backyard they they got bit after breaking open back door of his house. basic common sense is stay out of biting/kicking/spitting range of any animal you don't know, been bit, kicked, stepped on... nothing more amusing for everyone else then when horse plants a hoof on your foot. | Not an attorney but I am a horse guy. In Colorado you should be good to go because the nature of horsemanship is dangerous. Iowa has laws protecting owners. | 1 | 5,740 | 1.055556 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | hovyoxj | how9fnx | 1,639,723,308 | 1,639,730,967 | 36 | 220 | If she's sending nudes that's child porn. Florida has 18 as the age of consent if she's having sex. Under the circumstances you've described she cannot marry in the state of Florida until she turns 18. (Although she can marry him in other states). | Like most people said, him having sex with her would be very much illegal. However, lack of penetrative sex doesn't mean he isn't guilty of a crime. Depending on how he's touching her and if he's kissing her, his conduct can fall under Florida's Lewd and Lascivious laws. I would call the police if you've seen this happen, or if you suspect that it is happening. It is the police's job to investigate. If you don't feel comfortable doing this, you can go after the parents and get child protective services involved. In Florida you can file a report online or over-the-phone. If I were to report this in my state, CPS would investigate the parents for inadequate guardianship. Florida might be different or call it something else. However, most states have penalties for not providing adequate supervision to children and endangering the welfare of child either through action or inaction on the parents part. | 0 | 7,659 | 6.111111 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | hovyoxj | howacro | 1,639,723,308 | 1,639,731,701 | 36 | 97 | If she's sending nudes that's child porn. Florida has 18 as the age of consent if she's having sex. Under the circumstances you've described she cannot marry in the state of Florida until she turns 18. (Although she can marry him in other states). | Contact cps and have a investigation done and try talking to local police to see if they can help. Please try to get your sister away from this pedophile. I wish you luck! | 0 | 8,393 | 2.694444 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | howuhy6 | hovyoxj | 1,639,745,683 | 1,639,723,308 | 67 | 36 | Not a lawyer - Are pedo's parents out of state? I'm worried that they may try to "state shop" - find a state that would allow them to get married with her parent's consent. If that were to happen, your GF's sister world be in a very bad place: legally married and emancipated from her parents, but still a legal minor unable to file for divorce, seek refuge in a women's shelter, or apply for governmental financial aid if abandoned. Also, he could no longer be charged with statutory rape once married (thus why he wants to "wait until marriage"). If I were in your position, I'd start alerting any all authorities listed here sooner rather than later. | If she's sending nudes that's child porn. Florida has 18 as the age of consent if she's having sex. Under the circumstances you've described she cannot marry in the state of Florida until she turns 18. (Although she can marry him in other states). | 1 | 22,375 | 1.861111 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | howtzn5 | howuhy6 | 1,639,745,413 | 1,639,745,683 | 17 | 67 | Please call cps.. | Not a lawyer - Are pedo's parents out of state? I'm worried that they may try to "state shop" - find a state that would allow them to get married with her parent's consent. If that were to happen, your GF's sister world be in a very bad place: legally married and emancipated from her parents, but still a legal minor unable to file for divorce, seek refuge in a women's shelter, or apply for governmental financial aid if abandoned. Also, he could no longer be charged with statutory rape once married (thus why he wants to "wait until marriage"). If I were in your position, I'd start alerting any all authorities listed here sooner rather than later. | 0 | 270 | 3.941176 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | howuhy6 | howq4rv | 1,639,745,683 | 1,639,743,204 | 67 | 15 | Not a lawyer - Are pedo's parents out of state? I'm worried that they may try to "state shop" - find a state that would allow them to get married with her parent's consent. If that were to happen, your GF's sister world be in a very bad place: legally married and emancipated from her parents, but still a legal minor unable to file for divorce, seek refuge in a women's shelter, or apply for governmental financial aid if abandoned. Also, he could no longer be charged with statutory rape once married (thus why he wants to "wait until marriage"). If I were in your position, I'd start alerting any all authorities listed here sooner rather than later. | Gross. Go to the police | 1 | 2,479 | 4.466667 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | hoxifc8 | howtzn5 | 1,639,756,318 | 1,639,745,413 | 31 | 17 | Call the abuse hotline 800-96-ABUSE or go online to myflfamilies.com and do a web report. The web is the only truly anonymous way to make a report. In the narrative of concerns, make sure to say that the parents are allowing the child to be in an inappropriate relationship with an adult man. Be sure to put in his age. You are concerned that he is sexually molesting the child (different than battery or exploitation in DCF speak). Touching her boobs, butt etc could possibly trigger lewd and lascivious criminal charges. If he is giving her gifts at any point, make sure to put that in there, particularly if he gives her out her parents anything when coming over to see her. Any exchange of "things" for sexual contact, didn't have to be sex, will trigger this as a trafficking investigation. Otherwise, is an inadequate supervision case. Of she is ever left home alone with him, he becomes her caregiver and the report will go against him. You want to throw it all in there, and give sources to confirm what you are alleging. If you do it anonymously on line, put yourself as a source as well. The key thing here will be for DCF to get law enforcement involved to get those criminal charges. Religion and whatnot are not an excuse and DCF won't entertain that. Source- work in the field in FL. | Please call cps.. | 1 | 10,905 | 1.823529 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | howq4rv | hoxifc8 | 1,639,743,204 | 1,639,756,318 | 15 | 31 | Gross. Go to the police | Call the abuse hotline 800-96-ABUSE or go online to myflfamilies.com and do a web report. The web is the only truly anonymous way to make a report. In the narrative of concerns, make sure to say that the parents are allowing the child to be in an inappropriate relationship with an adult man. Be sure to put in his age. You are concerned that he is sexually molesting the child (different than battery or exploitation in DCF speak). Touching her boobs, butt etc could possibly trigger lewd and lascivious criminal charges. If he is giving her gifts at any point, make sure to put that in there, particularly if he gives her out her parents anything when coming over to see her. Any exchange of "things" for sexual contact, didn't have to be sex, will trigger this as a trafficking investigation. Otherwise, is an inadequate supervision case. Of she is ever left home alone with him, he becomes her caregiver and the report will go against him. You want to throw it all in there, and give sources to confirm what you are alleging. If you do it anonymously on line, put yourself as a source as well. The key thing here will be for DCF to get law enforcement involved to get those criminal charges. Religion and whatnot are not an excuse and DCF won't entertain that. Source- work in the field in FL. | 0 | 13,114 | 2.066667 |
ri9z8z | legaladvice_train | 0.94 | My Girlfriend's 15 year old sister is in a relationship with a 32 year old guy and her parents are totally okay with it. Is this legal if there's no proof of sexual things happening? Florida. It's infuriating watching them cuddle on the couch and be all touchy-feely with each other, bordering on downright disgusting. He's a terrible human being but his parents pay no mind at all because he's a "good christian boy" and goes to their church so they don't mind that he's a literal pedophile I guess. He's said things about waiting for marriage and waiting untill she's 18 so it's possible they haven't had sex yet, but this still cannot be legal. The rest of her family is totally sane, and it's starting to tear apart what used to be a very large, tight-knit family. My GF's older sister and brother are trying to get my girlfriend to move out and never talk to her parents again over it. The most recent development is that the parents and little sister are travelling to see the pedophile's parents and leaving my girlfriend home alone. It's literally unbelievable that they've allowed this to happen, and I feel the need to call CPS or the police or something, to get this disgusting person out of their life and get him on a list with the rest of the creeps so people know what he is. | howtzn5 | howq4rv | 1,639,745,413 | 1,639,743,204 | 17 | 15 | Please call cps.. | Gross. Go to the police | 1 | 2,209 | 1.133333 |
m4dj1q | legaladvice_train | 0.91 | I was assaulted through my car window by a guy with road rage and the cops told me it was a "mutual assault" because I pushed him away from me, and said there was nothing I can do. Are they right? (California) Just like the title says, a guy with road rage walked over to me and punched me multiple times through my car window. I purposefully only pushed him away from me because I thought I understood how these situations went, legally. A man nearby came to help get the guy off of me, before the assailant sped off. The guy who helped me gave me his info and told me he'd be a witness, but had to leave before the police came. When the police did come; I guess they checked nearby CCTV footage and told me that, because I pushed him off of me, it was a "mutual assault" and that they would not be pursuing my case any further. I told them I had the info of a witness who actually helped pull the assailant off of me and was told that they had already planned to speak to some other witness, and refused to take his information. When I asked if there was anything I could do about this, I was told I shouldn't have touched him at all, and there was nothing I can do, and no one else I could speak to because they already took stock of the situation. Are they right? Is there really nothing I can do here? | gqutxnw | gqttmmc | 1,615,685,119 | 1,615,664,667 | 29 | 4 | I was assaulted by a roommate, and lied to by several olive when I went to inquire about pressing charges. They don't actually get to say. Ask to speak to their sargeant. Get names and badge numbers when they tell you no. Escalate until you can talk to someone who will listen. You were assaulted, and badly. It's possible that these officers know the man who assaulted you, or are violent themselves, or didn't feel like any more paperwork that day. | You can sue him in civil court if you have any damages (medical costs, missed work). You might win. You might lose. You likely won’t find an attorney willing to take your case unless you were seriously hurt. Absent that, you can’t make the police press criminal assault charges against him. | 1 | 20,452 | 7.25 |
48yo69 | legaladvice_train | 0.94 | CA - hit, car totalled, me banged up, by a drunk driver who ran red light (with his kids in the car), His insurance offered me $1000. What should I do? How do I determine how much to ask for, outside of the offer for my now ruined, new car? He was cited but I'm not sure for which charges. I do have injuries that will likely eventually heal. I did go to the doctors to have them documented. I have not heard back from my insurance about how much I will be offered for the car. Should I get a lawyer? If so, who? | d0nsie9 | d0o8w2q | 1,457,124,885 | 1,457,154,156 | 2 | 7 | If you have collision coverage, your insurance company will handle that aspect of the claim (minus the deductible, etc.). In order to claim a monetary amount for personal injuries you will need your own lawyer. | Call a personal injury attorney ASAP. In CA, you can always get a free consult with an attorney. 90% of them take cases on contingency so you won't pay unless you win. Don't worry about the charges the other guy got for now. DO NOT accept the $1,000 or even counter it. Lastly, keep track of every penny you have spent in relation to the accident (medical bills, car repairs, rental car receipt, etc.). | 0 | 29,271 | 3.5 |
48yo69 | legaladvice_train | 0.94 | CA - hit, car totalled, me banged up, by a drunk driver who ran red light (with his kids in the car), His insurance offered me $1000. What should I do? How do I determine how much to ask for, outside of the offer for my now ruined, new car? He was cited but I'm not sure for which charges. I do have injuries that will likely eventually heal. I did go to the doctors to have them documented. I have not heard back from my insurance about how much I will be offered for the car. Should I get a lawyer? If so, who? | d0nxx77 | d0o8w2q | 1,457,133,076 | 1,457,154,156 | 2 | 7 | I feel your pain. Something similar happened to me a few years ago. Drunk kid plowed into my parked car at 5 AM, insurance offered $1000, my insurance company said that's all they can do. :/ | Call a personal injury attorney ASAP. In CA, you can always get a free consult with an attorney. 90% of them take cases on contingency so you won't pay unless you win. Don't worry about the charges the other guy got for now. DO NOT accept the $1,000 or even counter it. Lastly, keep track of every penny you have spent in relation to the accident (medical bills, car repairs, rental car receipt, etc.). | 0 | 21,080 | 3.5 |
48yo69 | legaladvice_train | 0.94 | CA - hit, car totalled, me banged up, by a drunk driver who ran red light (with his kids in the car), His insurance offered me $1000. What should I do? How do I determine how much to ask for, outside of the offer for my now ruined, new car? He was cited but I'm not sure for which charges. I do have injuries that will likely eventually heal. I did go to the doctors to have them documented. I have not heard back from my insurance about how much I will be offered for the car. Should I get a lawyer? If so, who? | d0nsie9 | d0nxqhk | 1,457,124,885 | 1,457,132,772 | 2 | 7 | If you have collision coverage, your insurance company will handle that aspect of the claim (minus the deductible, etc.). In order to claim a monetary amount for personal injuries you will need your own lawyer. | Well, after you catch your breath (from laughing your ass off) you call your insurance company and you make sure you are 100% healthy, no neck pains, etc. That shit can come back to haunt you months down the road. | 0 | 7,887 | 3.5 |
4g9qv5 | legaladvice_train | 0.87 | [MO/CA] Got t-boned by a driver that ran a red. I don't have health insurance, what are my options? I am currently in Missouri for business and have a rental car. The rental car was rented under the company's name. Yesterday, I was at an intersection waiting for the light to turn green. Light turned green and I entered the intersection before being slammed into by a woman that ran the red light. To keep it brief: cops showed up, took my statement, took hers, and took some witness statements. The woman had to go off in an ambulance because she broke her wrist. I called the rental company and they said that my company had elected not to take on any additional auto insurance. This part doesn't concern me as I am 100% certain that the other driver is at fault. What concerns me is that this is a new job and I do not have health insurance with them yet (probationary period). I felt okay after the accident all things considered but my body is definitely sore today and I am getting mild headaches occasionally. I want to go to a hospital but I don't know who's going to foot the bill... And I live in California so I can already envision this becoming a giant mess/headache. I will obviously talk to HR tomorrow but I'd like to be prepared. What are my options here? | d2fp430 | d2fpx3k | 1,461,528,727 | 1,461,529,988 | 6 | 7 | If you were driving for a work related purpose, then you may also be eligible for workers comp. it wouldn't apply when commuting back and forth to your hotel, or while on your personal time. But if it was something like getting supplies for a client during the work day, it probably would. | You need to get in contact with your works insurance, to file a claim. Then contact her insurance and let them know you are injured and treating. If you have pip/ med pay on your insurance, file a claim for that as well. | 0 | 1,261 | 1.166667 |
4g9qv5 | legaladvice_train | 0.87 | [MO/CA] Got t-boned by a driver that ran a red. I don't have health insurance, what are my options? I am currently in Missouri for business and have a rental car. The rental car was rented under the company's name. Yesterday, I was at an intersection waiting for the light to turn green. Light turned green and I entered the intersection before being slammed into by a woman that ran the red light. To keep it brief: cops showed up, took my statement, took hers, and took some witness statements. The woman had to go off in an ambulance because she broke her wrist. I called the rental company and they said that my company had elected not to take on any additional auto insurance. This part doesn't concern me as I am 100% certain that the other driver is at fault. What concerns me is that this is a new job and I do not have health insurance with them yet (probationary period). I felt okay after the accident all things considered but my body is definitely sore today and I am getting mild headaches occasionally. I want to go to a hospital but I don't know who's going to foot the bill... And I live in California so I can already envision this becoming a giant mess/headache. I will obviously talk to HR tomorrow but I'd like to be prepared. What are my options here? | d2g3hk4 | d2frfly | 1,461,552,466 | 1,461,532,312 | 4 | 3 | What you're looking to file a claim under is called a Business Auto policy, which your company should have. It generally covers company cars and rentals, whether you're working or not. After all, they've rented the car - Its theirs, not yours, and policy coverage follows their cars. You can't have an uninsured car, whether your employee has coverage it not. The company is responsible and this type of policy should cover it. The company likely declined additional coverage because they are insured already by this policy. If they do not have this sort of coverage, they should still be responsible. You may end up talking to your company's legal our Risk management division. They may elect to treat any injuries under work comp coverage as well, which certainly can apply. This is especially true considering that you're normally based in California, who had very broad reach in their claim definitions. | Keep receipts and the police report and sue the other driver. | 1 | 20,154 | 1.333333 |
4g9qv5 | legaladvice_train | 0.87 | [MO/CA] Got t-boned by a driver that ran a red. I don't have health insurance, what are my options? I am currently in Missouri for business and have a rental car. The rental car was rented under the company's name. Yesterday, I was at an intersection waiting for the light to turn green. Light turned green and I entered the intersection before being slammed into by a woman that ran the red light. To keep it brief: cops showed up, took my statement, took hers, and took some witness statements. The woman had to go off in an ambulance because she broke her wrist. I called the rental company and they said that my company had elected not to take on any additional auto insurance. This part doesn't concern me as I am 100% certain that the other driver is at fault. What concerns me is that this is a new job and I do not have health insurance with them yet (probationary period). I felt okay after the accident all things considered but my body is definitely sore today and I am getting mild headaches occasionally. I want to go to a hospital but I don't know who's going to foot the bill... And I live in California so I can already envision this becoming a giant mess/headache. I will obviously talk to HR tomorrow but I'd like to be prepared. What are my options here? | d2fudxu | d2frfly | 1,461,536,950 | 1,461,532,312 | 4 | 3 | You should crosspost over at /r/insurance. Since this is a complicated issue about whose insurance should cover you, they may be more knowledgable on the subject. I'd also contact your own auto insurance company and ask them about it. They will either help you out or they will deny responsibility (either rightfully or wrongly--I wouldn't take their word on it at face value since they're in business to make money), but at least there's the possibility that they'll help you directly or help you figure out who you should be making a claim with. | Keep receipts and the police report and sue the other driver. | 1 | 4,638 | 1.333333 |
4fhllt | legaladvice_train | 0.96 | Update: [GA] Hit by a driver who ran a red light. They are claiming they had the green. No witnesses. Am I screwed? Original post: https://www.reddit.com/r/legaladvice/comments/4aoa1h/ga_hit_by_a_driver_who_ran_a_red_light_they_are/ I know legaladvice loves updates so I wanted to provide one, though it's not very exciting. I appreciate everyone who took the time to comment on the original post to let me know what to expect from insurance and from court. Given the lack of evidence, the insurance companies decided that liability is split 50%/50%, meaning I'm out my deductible, but it won't affect my rates, as I'm not 51%+ at fault. I went to court yesterday concerning the citation I was issued after the collision. (As a reminder, both me and the other driver were cited, as we gave conflicting stories about who had the green with no witnesses.) I spoke to several lawyers before, and was advised that typically in this kind of case, the prosecutor will ask if we both want to exercise our 5th amendment rights, and if we both agree, they dismiss the ticket. That is exactly what happened and I was able to save money by not retaining a lawyer. I have also purchased a dash cam for my new car, so that I will be in a better place if this happens to me again. On the plus side, I really like my new car! tl;dr: Only screwed in that I had to spend my deductible. No impact to insurance rates - citation dismissed. Buy a dash cam! | d291a5v | d28ynrq | 1,461,083,256 | 1,461,079,849 | 12 | 2 | Ok, serious question, how on earth does it not make an officer look incompetent to his superiors when he files conflicting citations in reference to the same incident? | Sorry to hear it was not 100% in your favor but seems that's as good as its going to get in this case. But hopefully others will see this and get a dash camera. So you may have helped others and maybe one day yourself. | 1 | 3,407 | 6 |
4fhllt | legaladvice_train | 0.96 | Update: [GA] Hit by a driver who ran a red light. They are claiming they had the green. No witnesses. Am I screwed? Original post: https://www.reddit.com/r/legaladvice/comments/4aoa1h/ga_hit_by_a_driver_who_ran_a_red_light_they_are/ I know legaladvice loves updates so I wanted to provide one, though it's not very exciting. I appreciate everyone who took the time to comment on the original post to let me know what to expect from insurance and from court. Given the lack of evidence, the insurance companies decided that liability is split 50%/50%, meaning I'm out my deductible, but it won't affect my rates, as I'm not 51%+ at fault. I went to court yesterday concerning the citation I was issued after the collision. (As a reminder, both me and the other driver were cited, as we gave conflicting stories about who had the green with no witnesses.) I spoke to several lawyers before, and was advised that typically in this kind of case, the prosecutor will ask if we both want to exercise our 5th amendment rights, and if we both agree, they dismiss the ticket. That is exactly what happened and I was able to save money by not retaining a lawyer. I have also purchased a dash cam for my new car, so that I will be in a better place if this happens to me again. On the plus side, I really like my new car! tl;dr: Only screwed in that I had to spend my deductible. No impact to insurance rates - citation dismissed. Buy a dash cam! | d291a5v | d290tu6 | 1,461,083,256 | 1,461,082,679 | 12 | 2 | Ok, serious question, how on earth does it not make an officer look incompetent to his superiors when he files conflicting citations in reference to the same incident? | I love update posts. Thanks for coming back! | 1 | 577 | 6 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emvgmv1 | emv2hwa | 1,557,356,273 | 1,557,347,779 | 97 | 88 | I just read through the entirety of your initial posting. You got good advice that you apparently did not follow. You were told to go to the police and file a report for fraud, retain a lawyer, report the forgery to the States Attorneys office, and contact the licensing board for dealerships in your state. I think you’ve already received the advice you need to move forward. But I guess no one can make you do it. My advice is to follow the advice you’ve already been given. And do it all AT THE SAME TIME. Don’t contact one organization and then wait. Contact them ALL. Not a lawyer. | What did the police say when you reported it to them? | 1 | 8,494 | 1.102273 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emvfmn1 | emvgmv1 | 1,557,355,571 | 1,557,356,273 | 29 | 97 | .... and yet you still haven’t gone to police? Is there a reason you don’t want the police involved? | I just read through the entirety of your initial posting. You got good advice that you apparently did not follow. You were told to go to the police and file a report for fraud, retain a lawyer, report the forgery to the States Attorneys office, and contact the licensing board for dealerships in your state. I think you’ve already received the advice you need to move forward. But I guess no one can make you do it. My advice is to follow the advice you’ve already been given. And do it all AT THE SAME TIME. Don’t contact one organization and then wait. Contact them ALL. Not a lawyer. | 0 | 702 | 3.344828 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emvgmv1 | emv9zu5 | 1,557,356,273 | 1,557,351,930 | 97 | 17 | I just read through the entirety of your initial posting. You got good advice that you apparently did not follow. You were told to go to the police and file a report for fraud, retain a lawyer, report the forgery to the States Attorneys office, and contact the licensing board for dealerships in your state. I think you’ve already received the advice you need to move forward. But I guess no one can make you do it. My advice is to follow the advice you’ve already been given. And do it all AT THE SAME TIME. Don’t contact one organization and then wait. Contact them ALL. Not a lawyer. | You need to call your states Attorney Generals office. | 1 | 4,343 | 5.705882 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emvbjv8 | emvgmv1 | 1,557,352,911 | 1,557,356,273 | 15 | 97 | Just going to say that in addition to reporting to the police, you'll want to get a lawyer. Yes, they will want a retainer up front. Find someone who's less expensive. This is probably not a fraud case the police will want to take on, but you can and should have sued the dealership a month ago. Get on it ASAP. Not sure why you ignored this advice before. | I just read through the entirety of your initial posting. You got good advice that you apparently did not follow. You were told to go to the police and file a report for fraud, retain a lawyer, report the forgery to the States Attorneys office, and contact the licensing board for dealerships in your state. I think you’ve already received the advice you need to move forward. But I guess no one can make you do it. My advice is to follow the advice you’ve already been given. And do it all AT THE SAME TIME. Don’t contact one organization and then wait. Contact them ALL. Not a lawyer. | 0 | 3,362 | 6.466667 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emv9zu5 | emvfmn1 | 1,557,351,930 | 1,557,355,571 | 17 | 29 | You need to call your states Attorney Generals office. | .... and yet you still haven’t gone to police? Is there a reason you don’t want the police involved? | 0 | 3,641 | 1.705882 |
bm8lgv | legaladvice_train | 0.84 | (UPDATE) [NV] Big Name Dealership Forged my Signature on a Contract So this is an update to this post ( https://reddit.com/r/legaladvice/comments/be1zy4/nv_can_big_name_dealership_forge_my_signature/ ) I just got a call from the DMV (I reported it to them) and they said they investigated it and did an audit and said all the paperwork is how it should be. They said they couldn’t check cameras or they didn’t want to. I also called the brand of the dealership and they said it’s privately owned (it’s a huge Dealership) so they couldn’t do anything about it. What are my options now? It seems like everyone (the bank,gov,dealership) are against me. I wasn’t even in Las Vegas to sign the second contract. Do I need to pay a lot to a layer up front? Or what? Thank you all | emvfmn1 | emvbjv8 | 1,557,355,571 | 1,557,352,911 | 29 | 15 | .... and yet you still haven’t gone to police? Is there a reason you don’t want the police involved? | Just going to say that in addition to reporting to the police, you'll want to get a lawyer. Yes, they will want a retainer up front. Find someone who's less expensive. This is probably not a fraud case the police will want to take on, but you can and should have sued the dealership a month ago. Get on it ASAP. Not sure why you ignored this advice before. | 1 | 2,660 | 1.933333 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dc1tk | d0dbz7o | 1,456,415,338 | 1,456,415,230 | 355 | 45 | Ethical, not legal advice: It will be a lot more than $35k interest and penalties AND if it's in debt collection your credit is already being screwed. Being your sister didn't stop her from using your identity to access the money so why does she deserve you to hold her in higher regard than she holds you? When your sister has to face the consequences, it will be for committing an illegal act not "because you turned her in". Edit: /u/AmoebaNot makes a VERY good point, VERIFY before you act-- don't just take the debt collector's word. People upvote that advice! AND /u/y0itsallen AND /u/Tunafishsam Even /u/Bob_Sconce who was downvoted to the bottom was getting at this-- establish the facts in the matter before you act. | You have two choices: 1. File a fraud claim, and get yourself off the hook. Your sister will be responsible for paying the debt, along with whatever criminal charges she will face. 2. You pay the debt and cut all contact with your sister. | 1 | 108 | 7.888889 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dbz7o | d0dd3d0 | 1,456,415,230 | 1,456,416,841 | 45 | 121 | You have two choices: 1. File a fraud claim, and get yourself off the hook. Your sister will be responsible for paying the debt, along with whatever criminal charges she will face. 2. You pay the debt and cut all contact with your sister. | Well, if you were my client I might advise you to stop enabling your deadbeat sister. The legal consequences of her choices - whatever they were - should not be your problem. | 0 | 1,611 | 2.688889 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dd3d0 | d0dck26 | 1,456,416,841 | 1,456,416,074 | 121 | 5 | Well, if you were my client I might advise you to stop enabling your deadbeat sister. The legal consequences of her choices - whatever they were - should not be your problem. | What state? (if you don't mind me asking) | 1 | 767 | 24.2 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dfp55 | d0dgw9e | 1,456,420,411 | 1,456,422,016 | 24 | 39 | Is it possible that your sister put your names down as references or something like that? There may be a chance that this collections agency is trying to scare you into confirming the debt as your own. They just want their money and don't care who pays. If your sister actually forged your signature on the document then you could simply tell her to get current on the debt or you'll be forced to report her forgery. edit. If you think that last sentence is blackmail please explain how. For it to be blackmail doesn't the alleged blackmailer have to demand money (or other goods) be given to them? In this case OP would be telling sister "you wronged me and if you don't fix it then I'll have to seek legal recourse for it to be fixed". I realize the way I initially phrased it was much different than this new phrasing but the facts are the same. | She's screwing you over and it sounds like it would be good for her to suffer some consequences for her actions. This could be the thing that turns her life around. Find a way to protect your money please. | 0 | 1,605 | 1.625 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dgulw | d0dgw9e | 1,456,421,954 | 1,456,422,016 | 17 | 39 | Like the others say, someone is gonna end up on the hook for this. Either you saddle yourself with crippling debt for the rest of your life and ruin any chance of having a normal life and family by taking the fall for someone else and shielding an immature asshole from her own mistakes, or you dodge this bullet, put the blame on the person who actually did it, and walk away and live your life as you see fit. Either you get fucked for someone else's fuck up or you don't. It's that simple. | She's screwing you over and it sounds like it would be good for her to suffer some consequences for her actions. This could be the thing that turns her life around. Find a way to protect your money please. | 0 | 62 | 2.294118 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dgw9e | d0df1e5 | 1,456,422,016 | 1,456,419,517 | 39 | 6 | She's screwing you over and it sounds like it would be good for her to suffer some consequences for her actions. This could be the thing that turns her life around. Find a way to protect your money please. | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | 1 | 2,499 | 6.5 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dgw9e | d0dck26 | 1,456,422,016 | 1,456,416,074 | 39 | 5 | She's screwing you over and it sounds like it would be good for her to suffer some consequences for her actions. This could be the thing that turns her life around. Find a way to protect your money please. | What state? (if you don't mind me asking) | 1 | 5,942 | 7.8 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dfp55 | d0do37x | 1,456,420,411 | 1,456,431,381 | 24 | 38 | Is it possible that your sister put your names down as references or something like that? There may be a chance that this collections agency is trying to scare you into confirming the debt as your own. They just want their money and don't care who pays. If your sister actually forged your signature on the document then you could simply tell her to get current on the debt or you'll be forced to report her forgery. edit. If you think that last sentence is blackmail please explain how. For it to be blackmail doesn't the alleged blackmailer have to demand money (or other goods) be given to them? In this case OP would be telling sister "you wronged me and if you don't fix it then I'll have to seek legal recourse for it to be fixed". I realize the way I initially phrased it was much different than this new phrasing but the facts are the same. | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | 0 | 10,970 | 1.583333 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0do37x | d0dgulw | 1,456,431,381 | 1,456,421,954 | 38 | 17 | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | Like the others say, someone is gonna end up on the hook for this. Either you saddle yourself with crippling debt for the rest of your life and ruin any chance of having a normal life and family by taking the fall for someone else and shielding an immature asshole from her own mistakes, or you dodge this bullet, put the blame on the person who actually did it, and walk away and live your life as you see fit. Either you get fucked for someone else's fuck up or you don't. It's that simple. | 1 | 9,427 | 2.235294 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0do37x | d0diiuo | 1,456,431,381 | 1,456,424,178 | 38 | 13 | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | OP, with what everyone else has said, think of this: If you don't file a police report this time, what's to stop her doing it again? | 1 | 7,203 | 2.923077 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dixwb | d0do37x | 1,456,424,714 | 1,456,431,381 | 12 | 38 | Not a Lawyer I would seriously go freeze both your and your mother's credit and make sure there is nothing in there that should not be in there. In particular your mother's side as you appear to be paying attention. | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | 0 | 6,667 | 3.166667 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0df1e5 | d0do37x | 1,456,419,517 | 1,456,431,381 | 6 | 38 | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | 0 | 11,864 | 6.333333 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0do37x | d0djv44 | 1,456,431,381 | 1,456,425,931 | 38 | 4 | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | File the claim immediately. She made her bed. You shouldn't have to suffer for it. | 1 | 5,450 | 9.5 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0do37x | d0dck26 | 1,456,431,381 | 1,456,416,074 | 38 | 5 | I have a question please.... Her debt is the hands of the debt collectors but we often read here of Collectors trying to collect on old debts they've purchased *without having the documentation to support their charges*. Shouldn't the first step be to demand proof of the debt, before charging her sister with fraud? I have no experience but perhaps a debt collector might make a shot in the dark claim hoping that OP will just step to the bill and write a check. | What state? (if you don't mind me asking) | 1 | 15,307 | 7.6 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0df1e5 | d0dfp55 | 1,456,419,517 | 1,456,420,411 | 6 | 24 | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | Is it possible that your sister put your names down as references or something like that? There may be a chance that this collections agency is trying to scare you into confirming the debt as your own. They just want their money and don't care who pays. If your sister actually forged your signature on the document then you could simply tell her to get current on the debt or you'll be forced to report her forgery. edit. If you think that last sentence is blackmail please explain how. For it to be blackmail doesn't the alleged blackmailer have to demand money (or other goods) be given to them? In this case OP would be telling sister "you wronged me and if you don't fix it then I'll have to seek legal recourse for it to be fixed". I realize the way I initially phrased it was much different than this new phrasing but the facts are the same. | 0 | 894 | 4 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dck26 | d0dfp55 | 1,456,416,074 | 1,456,420,411 | 5 | 24 | What state? (if you don't mind me asking) | Is it possible that your sister put your names down as references or something like that? There may be a chance that this collections agency is trying to scare you into confirming the debt as your own. They just want their money and don't care who pays. If your sister actually forged your signature on the document then you could simply tell her to get current on the debt or you'll be forced to report her forgery. edit. If you think that last sentence is blackmail please explain how. For it to be blackmail doesn't the alleged blackmailer have to demand money (or other goods) be given to them? In this case OP would be telling sister "you wronged me and if you don't fix it then I'll have to seek legal recourse for it to be fixed". I realize the way I initially phrased it was much different than this new phrasing but the facts are the same. | 0 | 4,337 | 4.8 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dgulw | d0df1e5 | 1,456,421,954 | 1,456,419,517 | 17 | 6 | Like the others say, someone is gonna end up on the hook for this. Either you saddle yourself with crippling debt for the rest of your life and ruin any chance of having a normal life and family by taking the fall for someone else and shielding an immature asshole from her own mistakes, or you dodge this bullet, put the blame on the person who actually did it, and walk away and live your life as you see fit. Either you get fucked for someone else's fuck up or you don't. It's that simple. | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | 1 | 2,437 | 2.833333 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dck26 | d0dgulw | 1,456,416,074 | 1,456,421,954 | 5 | 17 | What state? (if you don't mind me asking) | Like the others say, someone is gonna end up on the hook for this. Either you saddle yourself with crippling debt for the rest of your life and ruin any chance of having a normal life and family by taking the fall for someone else and shielding an immature asshole from her own mistakes, or you dodge this bullet, put the blame on the person who actually did it, and walk away and live your life as you see fit. Either you get fucked for someone else's fuck up or you don't. It's that simple. | 0 | 5,880 | 3.4 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0df1e5 | d0diiuo | 1,456,419,517 | 1,456,424,178 | 6 | 13 | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | OP, with what everyone else has said, think of this: If you don't file a police report this time, what's to stop her doing it again? | 0 | 4,661 | 2.166667 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dck26 | d0diiuo | 1,456,416,074 | 1,456,424,178 | 5 | 13 | What state? (if you don't mind me asking) | OP, with what everyone else has said, think of this: If you don't file a police report this time, what's to stop her doing it again? | 0 | 8,104 | 2.6 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dixwb | d0df1e5 | 1,456,424,714 | 1,456,419,517 | 12 | 6 | Not a Lawyer I would seriously go freeze both your and your mother's credit and make sure there is nothing in there that should not be in there. In particular your mother's side as you appear to be paying attention. | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | 1 | 5,197 | 2 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dixwb | d0dck26 | 1,456,424,714 | 1,456,416,074 | 12 | 5 | Not a Lawyer I would seriously go freeze both your and your mother's credit and make sure there is nothing in there that should not be in there. In particular your mother's side as you appear to be paying attention. | What state? (if you don't mind me asking) | 1 | 8,640 | 2.4 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dxkg3 | d0djv44 | 1,456,444,196 | 1,456,425,931 | 6 | 4 | Legal Advice: **You need a lawyer to sort through this.** Random people on the internet will not sort through the legal morass here. Get a lawyer. Life Advice: A lot of debt collection companies are scum. They might be lying outright. Or they might be just misleading you so blatantly there is no practical difference. They certainly won't be informing you about your rights or if you are about to do something stupid. Don't trust people whose interests are directly opposed to you. They are trying to take your money from you and have no incentive to make sure you know the truth. **You need a lawyer to sort through this shit.** A lawyer will have practice dealing with these sorts. You don't. Ethical Advice: Don't enable your sister. If you don't she'll do it again and bring you down with her. Its better if she gets consequences now. Even if it somehow turns out your sister is innocent, it sounds like she is a mess in other areas. No enabling! More General Advice: If you go to the police, or anyone else, about this make sure you stick to the facts you've experienced first hand. If you were told something by someone else make sure you say that. "I was told my signature was on the loan. I never signed the loan." NOT "My sister forged my signature." Also if you go to the police you need an attorney. **Get a lawyer.** tl;dr: Get a lawyer. Don't trust people trying to take your money. Don't be an enabler. Stick to first hand knowledge or attribute the source. **Get a lawyer.** | File the claim immediately. She made her bed. You shouldn't have to suffer for it. | 1 | 18,265 | 1.5 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dxkg3 | d0dqcu2 | 1,456,444,196 | 1,456,434,228 | 6 | 5 | Legal Advice: **You need a lawyer to sort through this.** Random people on the internet will not sort through the legal morass here. Get a lawyer. Life Advice: A lot of debt collection companies are scum. They might be lying outright. Or they might be just misleading you so blatantly there is no practical difference. They certainly won't be informing you about your rights or if you are about to do something stupid. Don't trust people whose interests are directly opposed to you. They are trying to take your money from you and have no incentive to make sure you know the truth. **You need a lawyer to sort through this shit.** A lawyer will have practice dealing with these sorts. You don't. Ethical Advice: Don't enable your sister. If you don't she'll do it again and bring you down with her. Its better if she gets consequences now. Even if it somehow turns out your sister is innocent, it sounds like she is a mess in other areas. No enabling! More General Advice: If you go to the police, or anyone else, about this make sure you stick to the facts you've experienced first hand. If you were told something by someone else make sure you say that. "I was told my signature was on the loan. I never signed the loan." NOT "My sister forged my signature." Also if you go to the police you need an attorney. **Get a lawyer.** tl;dr: Get a lawyer. Don't trust people trying to take your money. Don't be an enabler. Stick to first hand knowledge or attribute the source. **Get a lawyer.** | You have two options here: Report the fraud, or pay the debt. There is not a third option. | 1 | 9,968 | 1.2 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dck26 | d0dxkg3 | 1,456,416,074 | 1,456,444,196 | 5 | 6 | What state? (if you don't mind me asking) | Legal Advice: **You need a lawyer to sort through this.** Random people on the internet will not sort through the legal morass here. Get a lawyer. Life Advice: A lot of debt collection companies are scum. They might be lying outright. Or they might be just misleading you so blatantly there is no practical difference. They certainly won't be informing you about your rights or if you are about to do something stupid. Don't trust people whose interests are directly opposed to you. They are trying to take your money from you and have no incentive to make sure you know the truth. **You need a lawyer to sort through this shit.** A lawyer will have practice dealing with these sorts. You don't. Ethical Advice: Don't enable your sister. If you don't she'll do it again and bring you down with her. Its better if she gets consequences now. Even if it somehow turns out your sister is innocent, it sounds like she is a mess in other areas. No enabling! More General Advice: If you go to the police, or anyone else, about this make sure you stick to the facts you've experienced first hand. If you were told something by someone else make sure you say that. "I was told my signature was on the loan. I never signed the loan." NOT "My sister forged my signature." Also if you go to the police you need an attorney. **Get a lawyer.** tl;dr: Get a lawyer. Don't trust people trying to take your money. Don't be an enabler. Stick to first hand knowledge or attribute the source. **Get a lawyer.** | 0 | 28,122 | 1.2 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dck26 | d0df1e5 | 1,456,416,074 | 1,456,419,517 | 5 | 6 | What state? (if you don't mind me asking) | Ok, so... I'm not a lawyer, but is the sister aware of exactly how bad the situation is? Or the fact that she committed fraud? OP, have you talked to your sister about this at all? Should OP talk to the sister at all? Maybe OP can make it clear, in writing, that sister needs to pay back this loan first? Everybody's just jumping to the "cut off contact" route. Maybe that's the best option, but I don't know. | 0 | 3,443 | 1.2 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0dqcu2 | d0djv44 | 1,456,434,228 | 1,456,425,931 | 5 | 4 | You have two options here: Report the fraud, or pay the debt. There is not a third option. | File the claim immediately. She made her bed. You shouldn't have to suffer for it. | 1 | 8,297 | 1.25 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0e8y2p | d0e8f8q | 1,456,462,251 | 1,456,461,246 | 3 | 2 | Also, if this isn't mentioned - make sure she's not abusing the money in the trust, and, if she is, cut off her access *legally*. | Isn't it her choice? She settles the claim or you report the fraud. Let her decide. | 1 | 1,005 | 1.5 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0ehqma | d0e8f8q | 1,456,489,786 | 1,456,461,246 | 3 | 2 | Have you actually confirmed with your sister if she did that? Debt collectors occasionally lie about your responsibility for other people's debts. | Isn't it her choice? She settles the claim or you report the fraud. Let her decide. | 1 | 28,540 | 1.5 |
47jf8m | legaladvice_train | 0.98 | Younger sister put my name as a "Cosigner" on her student loan without my knowledge 4 years ago - Debt Collectors are now calling me. Hesitant to file a fraud claim against he because I have no idea what consequences she will face? I have a younger sister who put my mom's name and my name as a cosigner so she could take out a student loan. For some background, my dad (who was our main income maker) passed away, and my mom doesn't work. I had just graduated college and now have a steady income from being a teacher, but nothing too elaborate to have too much extra cash on hand. I'm barely able to save enough for my own emergency savings and paying off loans myself. I just got a call from a debt collector another day saying my sister had a loan for $35,000 taken out and she had put my name and my mom's name as cosigners WITHOUT me knowing about it. (she was 18 at the time and starting college). She has all of our information because we needed everything when we set up trust accounts from when my dad had passed away. In no way am I able to come up with $35,000 right now. Not only that, my sister never actually graduated from the college she went to and she's quite ignorant when it comes to "living cheap" - she currently rents an apartment that's 4 bedroom for $2,500 a month that's only split between her and one roommate, eats out and buys liquor all the time, takes money from our trust account to use for her own personal expenses rather than helping to pay the mortgage and basic bills for the home my mom is living in because my mom has no job. AND my sister dropped out and got a job working with some pyramid scheme, and eventually getting a job as a life insurance agent that payed mostly based on commission. Well, things didn't work out with her life insurance position and she ended up losing that job and also losing her car and other things but refuses to change her lifestyle. I'm hesitant to file a "fraud claim" against her on this loan account though because she's my sister and I have no idea what the consequences will be for her that she has to face - will she go to jail? What will happen to her if I file this claim to get my name taken off of this loan? I have a very good credit score right now and doing well to manage finances but don't want my good history to be stained by this loan she's not able to pay off at all. | d0ehqma | d0e9zei | 1,456,489,786 | 1,456,464,355 | 3 | 2 | Have you actually confirmed with your sister if she did that? Debt collectors occasionally lie about your responsibility for other people's debts. | Tell them they allowed themselves to be taken fraudulently and its not your problem, and they need to remove your name from contact. They will try to push and have nothing to stand on, even if they sue they have to prove they verified it was you which they can't. It might come back to bite your sister, but she brought it on herself and its not on you. | 1 | 25,431 | 1.5 |
6jtu1z | legaladvice_train | 0.91 | [Arkansas] Forged endorsement on student loan refund check I recently graduated from University and shortly after I finished I discovered that every single semester going back three years my student loans had been overpaying my tuition by various amounts (over $1300 each semester). The school of course sent refund checks payable to me to cover this, but I was not notified and they were all sent to my parent's house in Arkansas whose address was still on file and I had neglected to remove it. I requested information on the checks from my university and they said that they were all deposited, but the endorsements on them were very obviously not my signature. They were payable to me and I did not give anyone (specifically my parents) consent to cash my checks. What exactly should I do from here? My parents forged my signature and deposited over $8000 worth of refund checks that I am going to need to pay my student loans. Is there a way to get my money back? | djgx9js | djh3muv | 1,498,581,339 | 1,498,587,995 | 7 | 11 | You can ask your parents what happened, and see what they say. If they are not willing to give you the money, however, to get your money back you are going to have to file a police report and a lawsuit against your parents. | in addition to the advice you've already gotten, you have not simply been defrauded of the total face value of these checks... you have also been accumulating interest at whatever rate you agreed to pay on these loans. | 0 | 6,656 | 1.571429 |
6jtu1z | legaladvice_train | 0.91 | [Arkansas] Forged endorsement on student loan refund check I recently graduated from University and shortly after I finished I discovered that every single semester going back three years my student loans had been overpaying my tuition by various amounts (over $1300 each semester). The school of course sent refund checks payable to me to cover this, but I was not notified and they were all sent to my parent's house in Arkansas whose address was still on file and I had neglected to remove it. I requested information on the checks from my university and they said that they were all deposited, but the endorsements on them were very obviously not my signature. They were payable to me and I did not give anyone (specifically my parents) consent to cash my checks. What exactly should I do from here? My parents forged my signature and deposited over $8000 worth of refund checks that I am going to need to pay my student loans. Is there a way to get my money back? | djgx9js | djhha3x | 1,498,581,339 | 1,498,603,104 | 7 | 8 | You can ask your parents what happened, and see what they say. If they are not willing to give you the money, however, to get your money back you are going to have to file a police report and a lawsuit against your parents. | Student loan compliance officer here. The commenters are correct - you are going to be held due for the money unless the police or other investigators get involved. You could either file a police report and hope it gets prosecuted, or file a complaint with the Department of Education's office of the inspector general. The latter may not be the best option as they usually focus on much higher dollar amounts. But they might make a phone call that could scare your step father into returning the money to you. | 0 | 21,765 | 1.142857 |
u7ls8h | legaladvice_train | 0.86 | Dad took $20,000+ out in student loans in my name without me knowing. (PA) I have tried requesting help on the American Bar website and have received no responses. I was never really aware of how finances worked (still don't) and only this year found out there is difference between a credit score and credit report. Never applied for a credit card and only ever had one bank account. Trying to be more finically independent I ran my first full credit report at the beginning of this year and found out that my dad lied to me about paying for my college. He instead took out multiple $2,000 student loans in my name using my social security number and has been having the bills? sent to a PO box (also in my name) that I don't have access to. He has been paying the bare minimum on these loans for years($25 a month). Which is why I guess I never new about it because I personally have never seen or recieved any letters from the loan company informing me of the matter. After finding out about this from the credit report I asked him in text that I thought he said he was paying for my college because otherwise I never would have went. He responded by telling me that I have nothing to worry about because the loans are paid up. I told him paid up is not the same as paid off. He has no intention of paying these loans off. So I tried filing a fraud/ID theft report through the credit bureaus and the identity theft .gov site. I was informed to file a police report. When I tried to file a police report with my local police, the detective who I met with heard my story and then proceeded to tell me that he didn't want to take anyone off in handcuffs and that if I have an emergency I shouldn't be afraid to call 911. Essentially rejecting/refusing to file a police report for me. Without the police report the credit bureaus would not take the investigation any further and closed my case. I then found out when I asked my dad to pay off the loans in my name again, that he is good friends with the local police and few of the judges in the county and basically mocked me that not only was there nothing I could do, but that he still was not going to pay off these loans he fraudulently took out in my name. I then posted a question to the American board page and have heard crickets since then. ​ Do I have any options that would either transfer this debt into his name or am I able to sue him for the funds? As far as I'm aware this is above small claims court. if I can't find a lawyer to properly represent me what options do I have because my credit lines are maxed out from this and I don't want to take anymore loans out(nor do I think I can) until I have this resolved. | i5gtgqx | i5gt587 | 1,650,453,242 | 1,650,453,027 | 19 | 3 | The rules around student loans are very specific and I recommend also checking in at /r/studentloans You will want to find out a couple of key things: Are these federal or private loans? Did the money go to pay for your college, or did your dad take it for his own purposes? | Are these federal or private student loans? | 1 | 215 | 6.333333 |
63kw7s | legaladvice_train | 0.93 | [Nova Scotia] Employer not letting us use vacation days to cover sick time, and etc. I have a few questions. I am a salaried employee with 5 sick days and 15 vacation days. My company just announced (On March 31st) a policy that we're not allowed to use vacation days to cover sick time and they want us to get away and have proper vacations with our vacation time. I was very sick in February and took a week off. I told my manager I wanted to use vacation time for that, but yesterday the director (different person) told me that he put it under sick leave and I'm out of sick leave. I'm also pregnant at the moment and have been having appointments. He told me I owe them 3.5 days between February and going to appointments. He told me I can't use my vacation time to cover this and that I have to make it up. My last day is the end of April before I start maternity leave. I had planned on doing about 10 hours a week of work from home once things calmed down enough. He told me I would have to work for free during that time to make up the time (which I don't mind too much, this is otherwise a sweet gig). Also, my director told me that I am not going to get my 15 days of vacation and they're going to pro-rate them because I am finished at the end of April until I come back in January (I'm taking a short maternity leave, my husband is taking the other part). I'll probably get 5 days. So my questions are: Can my employer not let me use vacation days to cover sick days? Can my employer pro-rate my vacation days? (Not that I am intending to take 3 weeks of vacation in the next month, I was just wondering for the future) Thanks for any help! | dfv0609 | dfv1phz | 1,491,398,821 | 1,491,400,827 | 14 | 32 | You still accumulate vacation days while you are on mat leave, FYI, so they shouldn't be taking them away from you. (also Nova Scotian, also pregnant) | > I am finished at the end of April until I come back in January (I'm taking a short maternity leave Not legal advice, but as a pregnant woman in the USA I am jealous... The longest we are guaranteed (unless there are complications) is 12 weeks of unpaid leave. I will probably be out for 2, maybe 3 months, but likely work from home at least a bit during that time. | 0 | 2,006 | 2.285714 |
63kw7s | legaladvice_train | 0.93 | [Nova Scotia] Employer not letting us use vacation days to cover sick time, and etc. I have a few questions. I am a salaried employee with 5 sick days and 15 vacation days. My company just announced (On March 31st) a policy that we're not allowed to use vacation days to cover sick time and they want us to get away and have proper vacations with our vacation time. I was very sick in February and took a week off. I told my manager I wanted to use vacation time for that, but yesterday the director (different person) told me that he put it under sick leave and I'm out of sick leave. I'm also pregnant at the moment and have been having appointments. He told me I owe them 3.5 days between February and going to appointments. He told me I can't use my vacation time to cover this and that I have to make it up. My last day is the end of April before I start maternity leave. I had planned on doing about 10 hours a week of work from home once things calmed down enough. He told me I would have to work for free during that time to make up the time (which I don't mind too much, this is otherwise a sweet gig). Also, my director told me that I am not going to get my 15 days of vacation and they're going to pro-rate them because I am finished at the end of April until I come back in January (I'm taking a short maternity leave, my husband is taking the other part). I'll probably get 5 days. So my questions are: Can my employer not let me use vacation days to cover sick days? Can my employer pro-rate my vacation days? (Not that I am intending to take 3 weeks of vacation in the next month, I was just wondering for the future) Thanks for any help! | dfv1phz | dfuz3gp | 1,491,400,827 | 1,491,397,267 | 32 | 12 | > I am finished at the end of April until I come back in January (I'm taking a short maternity leave Not legal advice, but as a pregnant woman in the USA I am jealous... The longest we are guaranteed (unless there are complications) is 12 weeks of unpaid leave. I will probably be out for 2, maybe 3 months, but likely work from home at least a bit during that time. | Yes, they can make you use sick time to cover days you are sick if you have sick time. | 1 | 3,560 | 2.666667 |
63kw7s | legaladvice_train | 0.93 | [Nova Scotia] Employer not letting us use vacation days to cover sick time, and etc. I have a few questions. I am a salaried employee with 5 sick days and 15 vacation days. My company just announced (On March 31st) a policy that we're not allowed to use vacation days to cover sick time and they want us to get away and have proper vacations with our vacation time. I was very sick in February and took a week off. I told my manager I wanted to use vacation time for that, but yesterday the director (different person) told me that he put it under sick leave and I'm out of sick leave. I'm also pregnant at the moment and have been having appointments. He told me I owe them 3.5 days between February and going to appointments. He told me I can't use my vacation time to cover this and that I have to make it up. My last day is the end of April before I start maternity leave. I had planned on doing about 10 hours a week of work from home once things calmed down enough. He told me I would have to work for free during that time to make up the time (which I don't mind too much, this is otherwise a sweet gig). Also, my director told me that I am not going to get my 15 days of vacation and they're going to pro-rate them because I am finished at the end of April until I come back in January (I'm taking a short maternity leave, my husband is taking the other part). I'll probably get 5 days. So my questions are: Can my employer not let me use vacation days to cover sick days? Can my employer pro-rate my vacation days? (Not that I am intending to take 3 weeks of vacation in the next month, I was just wondering for the future) Thanks for any help! | dfuz3gp | dfv0609 | 1,491,397,267 | 1,491,398,821 | 12 | 14 | Yes, they can make you use sick time to cover days you are sick if you have sick time. | You still accumulate vacation days while you are on mat leave, FYI, so they shouldn't be taking them away from you. (also Nova Scotian, also pregnant) | 0 | 1,554 | 1.166667 |
pl5n64 | legaladvice_train | 0.97 | Sales guy accidentally left voicemail during training on how to lie and scam their customers Apologies if this isn't the right sub. A company that gives small business loans called and accidentally left a voicemail. They must have been training a new person for their boiler room because they went off about how they needed to lie to the "flimsy little businesses that don't know shit." "As long as you're closing, it doesn't matter what you say. As long as your numbers are good, it doesn't matter if you lie to them." That kinda sucks but not necessarily out out of the scummy salesperson norm. However, at one point the guy says something to the effect of "Tell them it's just a soft credit check. It's a lie, but they don't know that." I've got the company name and even the name of the guy that left the voicemail. The call was to GA from NY. Is there anything I can do to make a stink for them? | hc9v2ek | hc9ldpt | 1,631,247,785 | 1,631,242,849 | 73 | 14 | In addition to the others, would report to the CFPB https://www.consumerfinance.gov/complaint/ | So... What they're doing is fishing for info & keeping the loan money? | 1 | 4,936 | 5.214286 |
pl5n64 | legaladvice_train | 0.97 | Sales guy accidentally left voicemail during training on how to lie and scam their customers Apologies if this isn't the right sub. A company that gives small business loans called and accidentally left a voicemail. They must have been training a new person for their boiler room because they went off about how they needed to lie to the "flimsy little businesses that don't know shit." "As long as you're closing, it doesn't matter what you say. As long as your numbers are good, it doesn't matter if you lie to them." That kinda sucks but not necessarily out out of the scummy salesperson norm. However, at one point the guy says something to the effect of "Tell them it's just a soft credit check. It's a lie, but they don't know that." I've got the company name and even the name of the guy that left the voicemail. The call was to GA from NY. Is there anything I can do to make a stink for them? | hc9ldpt | hcae9oa | 1,631,242,849 | 1,631,261,930 | 14 | 26 | So... What they're doing is fishing for info & keeping the loan money? | This scam has been going on for years. I've read about it but it's rarely mentioned in the mainstream press. I don't know why it doesn't get more press. I don't know why they don't get shut down. They freely loan money to small businesses, hoping that they default so they can steal the business. I'm not sure of the full mechanics of the scam but that's the basic outline. | 0 | 19,081 | 1.857143 |
pl5n64 | legaladvice_train | 0.97 | Sales guy accidentally left voicemail during training on how to lie and scam their customers Apologies if this isn't the right sub. A company that gives small business loans called and accidentally left a voicemail. They must have been training a new person for their boiler room because they went off about how they needed to lie to the "flimsy little businesses that don't know shit." "As long as you're closing, it doesn't matter what you say. As long as your numbers are good, it doesn't matter if you lie to them." That kinda sucks but not necessarily out out of the scummy salesperson norm. However, at one point the guy says something to the effect of "Tell them it's just a soft credit check. It's a lie, but they don't know that." I've got the company name and even the name of the guy that left the voicemail. The call was to GA from NY. Is there anything I can do to make a stink for them? | hca6aar | hcae9oa | 1,631,255,265 | 1,631,261,930 | 5 | 26 | Have you confirmed that the company actually exists and is actually in the US? A lot of times these guys can be foreign with spoofed caller IDs, and a fake company name. If they're willing to lie about the little things, they may be willing to lie about other stuff too. An area code alone is not enough to determine the origin of a call. | This scam has been going on for years. I've read about it but it's rarely mentioned in the mainstream press. I don't know why it doesn't get more press. I don't know why they don't get shut down. They freely loan money to small businesses, hoping that they default so they can steal the business. I'm not sure of the full mechanics of the scam but that's the basic outline. | 0 | 6,665 | 5.2 |
q7nonn | legaladvice_train | 0.78 | (TX) My package containing a very expensive item I bought was stolen from my apartment door. Who is responsible for this? The apartment complex? Me? The item cost $150. Should I call the police on this? | hgjrw4o | hgjs99m | 1,634,168,878 | 1,634,169,051 | 59 | 89 | The person who stole it is responsible. How do you know it was delivered to your apartment door, rather than never delivered and stolen some other way (or misplaced)? | The thief. Your apartment complex has no duty to your safety or property outside something like a dead bolt or window locks. | 0 | 173 | 1.508475 |
q7nonn | legaladvice_train | 0.78 | (TX) My package containing a very expensive item I bought was stolen from my apartment door. Who is responsible for this? The apartment complex? Me? The item cost $150. Should I call the police on this? | hgnqmcn | hgnxgs6 | 1,634,245,483 | 1,634,249,412 | 4 | 10 | 1) See if shipper will refund you. 2) Call police. | This would be the thief, the apartment complex has no duty of care in this respect, and porch pirates are very much a thing in apartment complexes. Likely a neighbor if it was not delivered to the correct door. Luckily $150 is a low cost so the shipper/seller would likely be inclined to issue you a replacement as they should have insured the shipment. I would contact them and let them know so they can begin a carrier investigation and start the replacement process. Not an attorney. | 0 | 3,929 | 2.5 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir5cc4l | ir54dal | 1,664,976,869 | 1,664,973,012 | 1,697 | 9 | Municipal Code of Chicago > (g) Fire or Casualty Damage. If the dwelling unit or common area are damaged or destroyed by fire or casualty to an extent that the dwelling unit is in material noncompliance with the rental agreement or with Section 5-12-070, the tenant may: > (1) Immediately vacate the premises and notify the landlord in writing within 14 days thereafter of the tenant's intention to terminate the rental agreement, in which case the rental agreement terminates as of the date of the fire or casualty; or > (2) If continued occupancy is lawful, vacate any part of the dwelling unit rendered unusable by the fire or casualty, in which case the tenant's liability for rent is reduced in proportion to the reduction in the fair rental value of the dwelling unit; or > (3) If the tenant desires to continue the tenancy, and if the landlord has promised or begun work to repair the damage or destruction but fails to carry out the work to restore the dwelling unit or common area diligently and within a reasonable time, notify the landlord in writing within 14 days after the tenant becomes aware that the work is not being carried out diligently or within a reasonable time of the tenant's intention to terminate the rental agreement, in which case the rental agreement terminates as of the date of the fire or casualty. > If the rental agreement is terminated under this subsection (g), the landlord shall return all security and all prepaid rent in accordance with Section 5-12-080(d). Accounting for rent in the event of termination or apportionment shall be made as of the date of the fire or casualty. A tenant may not exercise remedies in this subsection if the fire or casualty damage was caused by the deliberate or negligent act or omission of the tenant, a member of his family or a person on the premises with his consent. State your intention to break the lease if the unit is uninhabitable and move on. You may be able sue to recover one month of rent (it's only been a month since the fire, right?), but I'd consult a local attorney about that possibility. I'd seek some legal aid service geared towards renters, there might be a free consultation to at least see if it's likely. | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | 1 | 3,857 | 188.555556 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir54dal | ir5f557 | 1,664,973,012 | 1,664,978,119 | 9 | 545 | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | As far as your renter's insurance goes, see if you can get hold of the fire marshal's report, they should accept that as documentation (it's certainly more official than something from your landlord) | 0 | 5,107 | 60.555556 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir5kyym | ir54dal | 1,664,980,616 | 1,664,973,012 | 211 | 9 | I'm not a lawyer. Just someone who went through this in Texas when a fire burned down my apartment. If the residence is uninhabitable then find out what that means to your lease. In Texas, the lease was considered broken and I was free to walk away without paying a dime in rent past that day. The apartment gave me a written letter saying the apartment was uninhabitable and I was not allowed to return to even gather my belongings. This letter was all the proof my insurance needed to approve my claim. The insurance paid for my hotel while I found a new apartment and I had to repurchase all my belongings through the rental insurance payout. | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | 1 | 7,604 | 23.444444 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir6f8cz | ir6brsx | 1,664,992,428 | 1,664,991,101 | 103 | 16 | Though it is not his fault, your landlord is in breach of contract. He cannot collect rent without providing you with a place to live. You should contact a tenant advocacy program or an attorney for guidance, but you are probably free to leave, and entitled to a refund of all rents paid from the date of the fire. How this would affect security deposit would be up to state law, but since you did not cause the damage, you should be entitled to a refund of the deposit as well. | Chicago also had renters organization or free legal help when I lived there about 5 years ago. I’d look into that for assistance too. | 1 | 1,327 | 6.4375 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir6f8cz | ir54dal | 1,664,992,428 | 1,664,973,012 | 103 | 9 | Though it is not his fault, your landlord is in breach of contract. He cannot collect rent without providing you with a place to live. You should contact a tenant advocacy program or an attorney for guidance, but you are probably free to leave, and entitled to a refund of all rents paid from the date of the fire. How this would affect security deposit would be up to state law, but since you did not cause the damage, you should be entitled to a refund of the deposit as well. | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | 1 | 19,416 | 11.444444 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir6brsx | ir54dal | 1,664,991,101 | 1,664,973,012 | 16 | 9 | Chicago also had renters organization or free legal help when I lived there about 5 years ago. I’d look into that for assistance too. | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | 1 | 18,089 | 1.777778 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir54dal | ir6fnkc | 1,664,973,012 | 1,664,992,593 | 9 | 11 | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | It really doesn't matter what the damages are and there is no need to wait for that regarding rent. The apartment has been declared uninhabitable therefore you do not have to pay the rent. You cannot live in it. The staus of that is not something the building manager gets to decide. The city does. If you need documentation regarding it being uninhabitable you need to contact your city's building department or the fire department. The damage done to the structure of your apartment is the responsibility of the building owner not you. Besides documentation of it being uninhabitable the only other documentation your insurance company would ask for is damage to your personal property. | 0 | 19,581 | 1.222222 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir54dal | ir7bgn1 | 1,664,973,012 | 1,665,004,766 | 9 | 10 | Hi there! I’m the LegalFAQ bot. It looks like you may be experiencing housing issues related to housing or eviction. Come to https://legalfaq.org to find legal resources for renters in each state. You can also find links to local groups that can help you with legal, financial, or other problems at https://legalfaq.org/getHelp. Help us provide accurate advice to fellow redditors: if your post was related to housing or eviction, please like this comment; otherwise, please dislike this comment. *v0.1* | Why did you pay rent? | 0 | 31,754 | 1.111111 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir7bgn1 | ir6sit4 | 1,665,004,766 | 1,664,997,548 | 10 | 4 | Why did you pay rent? | Have you moved all your things out of this apartment? The reason I as is that I would suggest that you'd want to avoid any situation in which you "won" and immediately didn't have access to any belongings left in the apartment. Oops! You wouldn't want to end up needing to make a follow-up post, "How do I recover my belongings from an uninhabitable apartment I no longer have access to?". It's best to avoid creating a second problem when trying to solve the first problem. | 1 | 7,218 | 2.5 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir7bgn1 | ir6fud0 | 1,665,004,766 | 1,664,992,666 | 10 | 2 | Why did you pay rent? | Contact inspectional services with the city they will give you something in writing that the property is inhabitable. | 1 | 12,100 | 5 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir7hgiq | ir6sit4 | 1,665,007,246 | 1,664,997,548 | 5 | 4 | GET A LAWYER! Google implied warranty of habitability. You’ll see that you’ve got a layup case against your landlord. They may even have to pay for some of your new place and provide temporary accommodations. Definitely get that rent back if your paid it. | Have you moved all your things out of this apartment? The reason I as is that I would suggest that you'd want to avoid any situation in which you "won" and immediately didn't have access to any belongings left in the apartment. Oops! You wouldn't want to end up needing to make a follow-up post, "How do I recover my belongings from an uninhabitable apartment I no longer have access to?". It's best to avoid creating a second problem when trying to solve the first problem. | 1 | 9,698 | 1.25 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir846o7 | ir6sit4 | 1,665,017,964 | 1,664,997,548 | 5 | 4 | Red Cross has a section called the disaster action team that has resources to help with those who have dealt with fire damage to their homes. They have contacts with the fire Marshall who would have declared if your home was unlivable or not. They can help replace medicines and offer some financial assistance and emotional or spiritual assistance | Have you moved all your things out of this apartment? The reason I as is that I would suggest that you'd want to avoid any situation in which you "won" and immediately didn't have access to any belongings left in the apartment. Oops! You wouldn't want to end up needing to make a follow-up post, "How do I recover my belongings from an uninhabitable apartment I no longer have access to?". It's best to avoid creating a second problem when trying to solve the first problem. | 1 | 20,416 | 1.25 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir6sit4 | ir6fud0 | 1,664,997,548 | 1,664,992,666 | 4 | 2 | Have you moved all your things out of this apartment? The reason I as is that I would suggest that you'd want to avoid any situation in which you "won" and immediately didn't have access to any belongings left in the apartment. Oops! You wouldn't want to end up needing to make a follow-up post, "How do I recover my belongings from an uninhabitable apartment I no longer have access to?". It's best to avoid creating a second problem when trying to solve the first problem. | Contact inspectional services with the city they will give you something in writing that the property is inhabitable. | 1 | 4,882 | 2 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir6fud0 | ir7hgiq | 1,664,992,666 | 1,665,007,246 | 2 | 5 | Contact inspectional services with the city they will give you something in writing that the property is inhabitable. | GET A LAWYER! Google implied warranty of habitability. You’ll see that you’ve got a layup case against your landlord. They may even have to pay for some of your new place and provide temporary accommodations. Definitely get that rent back if your paid it. | 0 | 14,580 | 2.5 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir846o7 | ir6fud0 | 1,665,017,964 | 1,664,992,666 | 5 | 2 | Red Cross has a section called the disaster action team that has resources to help with those who have dealt with fire damage to their homes. They have contacts with the fire Marshall who would have declared if your home was unlivable or not. They can help replace medicines and offer some financial assistance and emotional or spiritual assistance | Contact inspectional services with the city they will give you something in writing that the property is inhabitable. | 1 | 25,298 | 2.5 |
xw9d2b | legaladvice_train | 0.98 | My apartment complex was set on fire and I’m still paying rent. I live in Chicago. A month ago, after the latest robbery turned shooting turned arson, my apartment was rendered uninhabitable after the deck burnt down and some firefighters kicked in the door, breaking it. Thankfully neither I nor my cats were home at the time. After my apartment contacted me about this, I reached out to my building manager, who we will call Richard. After a week-long string of emails, it was apparent that they hadn’t even begun assessing the damages and I would not be able to live in my apartment. To cover the cost of temporary lodging, my insurance company requires written documentation that my apartment is unlivable with a date as to when it will be inhabitable again. I asked Richard this question many times over many emails. Each time his response was vague and did not provide the needed information. Now it has been over a month since the fire. I have reached out to every contact provided by the property management company, and it has always led back to Richard and waiting for the information needed for my insurance company. During this time, I’ve paid two moths of rent for an unlivable apartment and paid for temporary lodging out of pocket. Is there any legal action I can pursue to recover these lost payments? I am already looking for a new apartment and do not plan on ever returning to this one. | ir7wddz | ir846o7 | 1,665,014,119 | 1,665,017,964 | 2 | 5 | Just a simple comment. But who would pay their rent? C’mon that is your current leverage. An unlivable apartment is an apartment they aren’t making money on. | Red Cross has a section called the disaster action team that has resources to help with those who have dealt with fire damage to their homes. They have contacts with the fire Marshall who would have declared if your home was unlivable or not. They can help replace medicines and offer some financial assistance and emotional or spiritual assistance | 0 | 3,845 | 2.5 |
s4t51j | legaladvice_train | 0.94 | Florida apartment complex requires an $80 a mo internet + cable package that I apparently cannot opt out of So I'm moving into a new place (in Florida) and they have an internet + cable package that costs $80 a month. I do not use cable and the provider has just the internet for $50. They told me I cannot opt out of the package deal no matter what. However, the move-in checklist states that I have to call this provider and tell them I want the "\[apartment complex name\] package". Why can't I just call said provider and get whatever package I actually want? I have no problem using their preferred ISP, but I don't think I should be forced to pay for a more expensive package when I do not want it. Is this legal? | hst5ol4 | hst8qgt | 1,642,278,447 | 1,642,279,673 | 157 | 229 | If all that is stated in the lease and you signed it, it's just like a surcharge. | Yes, if you do not agree, do not sign the lease, and do not move in. | 0 | 1,226 | 1.458599 |
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