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    1. Z

      Banking question....

      What is the name of your state? OH When your bank card is used for purchases (either as a debit card or a CC) who determines when the transaction is posted to your account? Are there state or federal laws regulating how bank card transactions are handled or is it up to each bank to make their...
    2. Z

      What Will The Court Accept?

      What is the name of your state? OHIO My fiance was divorced 2 years ago in the UK. We will be applying for a marriage license soon. The court requires a "certified copy" of your divorce decree. They don't technically have that in the UK. Will the courts here accept his UK court stamped decree...
    3. Z

      CA Still Continuing Collection Activity!!

      What is the name of your state? OH Two years ago after applying for a mortgage we agreed to pay a debt in full with the understanding that it would be reported as "paid" and all negative remarks would be removed. The money order was sent with a letter reiterating the terms of our agreement. Our...
    4. Z

      Can An Employer Require That You Stay?

      What is the name of your state? OH My friend's H1B expires in 2007. When he spoke to his employers legal department he was told that they were changing their policy and will require employees who are receiving their green card through them to stay and work for them for an unspecified (at this...
    5. Z

      Can this be done?

      What is the name of your state? OH My friend is working in the US on an H1B visa which expires in 2007. He claims that he can bring his son from the UK to live with him here up til the age of 21 (he's 18 now) on his H1B. Is this true?
    6. Z

      What Does this Mean?

      What is the name of your state? OH Could someone please tell me what this means and why a divorce would be "disposed" ? This was filed in NY by my husband ( I was aware of it and in total agreement) He doesn't seem to know what happened either. XXXXX XXXXX v. XXXXX XXXXX SUPREME COURT...
    7. Z

      Diamond Ring Fiasco

      What is the name of your state? OH My daughter and her fiance purchased an engagement ring from a chain jewelry store using their in store credit. A month after purchasing it they took it to have it appraised and were told that the diamond had an inclusion. They were not told this nor was it on...
    8. Z

      Divorce Forms Do Not Apply To My Situation.....What do I do?

      What is the name of your state? OH When I requested assistance from Legal Aid in my county I was given a Pro Se packet and told that their lawyers do not handle divorce cases. Most of the forms do not pertain to my situation and I am unsure how to proceed. Our children are grown, I am not...
    9. Z

      Received Collection Letter 11 months Post Ch 7 Discharge

      What is the name of your state? OH Does anyone have a sample letter to send these nitwits so they will stop collection attempts?
    10. Z

      DIY Divorce

      What is the name of your state? OH I contacted the legal aid office in my county and was told that their lawyers don't handle divorces but I may be eligible for a DIY divorce packet. This will be pretty simple and straightforward....no minor children, no assets to divide(we each took what we...
    11. Z

      Making a Settlement Offer to OC

      What is the name of your state? OH Most of the posts I have read refer to making settlement offers to CA. In this case we would be dealing with the OC's and debts that have been recently charged off. Is there any difference in the wording/rules when dealing with an OC?
    12. Z

      Debt Settlement Letter

      Thanks again.....you've been very helpful.
    13. Z

      Debt Settlement Letter

      The debts are relatively new so the statute of limitations doesn't apply. Is it a waste of time to make a settlement offer and request that the debt be reported as "paid" with all negatives deleted? In my experience and from what I have read, most refuse to do this.
    14. Z

      Debt Settlement Letter

      Are you saying that, in your opinion, there is little point in trying to settle? There is no way he can pay most or all of what is owed. It's either attempt to settle or pay nothing in which case they will sue him. I'm sorry but could you be a bit more specific than "any letter". Is there a...
    15. Z

      Debt Settlement Letter

      What is the name of your state? OH In a few months a friend will be in a position to offer to settle with his credit card companies. The debts have either been charged off or are about to be. He would like to draft a letter to them proposing a settlement arrangement explaining that he has...
    16. Z

      How to Approach CC for Settlement

      What is the name of your state? OH This information is for a friend who I am trying to help. In several months he will have a small lump sum and would like to pay off his CC debt. He has 3 companies to pay with a total debt of a few thousand dollars.... without the late fees and over the limit...
    17. Z

      Home Ownership post Ch 7

      Thanks for responding Ladynred. I was under the impression that for a period of time after a bankruptcy was discharged any assets that I might acquire could be used to repay some of my debts.
    18. Z

      Living Will for Non US Citizen

      What is the name of your state? OH My friend is a British citizen residing and working in the US. According to him, Living Wills aren't recognized (not legal)in the UK. If he were to have one here in the US would it be vaild? Of course assuming that he became ill while living in the US.
    19. Z

      Home Ownership for Unmarried Couple

      What is the name of your state? OH What legal ways are there for 2 unmarried cohabitating adults to own a home equally? We would both want the option of leaving our half to our adult children upon our deaths.
    20. Z

      Home Ownership post Ch 7

      What is the name of your state? OH My chapter 7 bankruptcy was discharged in June of this year. My live in partner would like to add my name to the deed of our home. We don't want to do anything that might complicate my bankruptcy. Is there a specific time period in which this would have no...

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