I have been paying Debt Relief Team (Tammy Hicks) $430 per month for over a year and a half. They paid off one $1,000 debt for about $450 and then stopped working on resolving nine other debts, but continued to take funds from my checking account. Do I have any legal recourse, especially since this fraud was committed across state lines?

March 19th, 2024

I am being sued by a merchant cash advance company. I am in Texas, and the company is in Utah. They have drafted money from my account without sending letters of representation. I have changed bank accounts due to financial difficulties. What are my next steps, and what actions can they legally take against me, such as freezing my assets or obtaining a court order against me, especially since I did not sign a confession of judgment (COJ)?

October 19th, 2024

My son lost his job several years ago and just walked away from it. Now, they are threatening to put him in jail. Can they put him in jail?

January 2nd, 2024

I live in a brand new apartment. There was a plumbing problem that resulted in sewage backup into my apartment. Acting in an emergency, I used many of my towels, clothes, and rugs to 'dam' (and mop up) the sewage on the floor. My lease has an indemnity clause that the management tells me releases them from any liability for damages, even if it's due to their own negligence. The lease clause seems to suggest that I get renters insurance for such damages. I am disabled living on SSDI, so I did not spend the money for renters-insurance. They want me to wash the damaged items. The CDC recommends immediately discarding items contaminated by sewage backup. My theory is that the indemnity clause will not hold up in court, particularly given that the plumber told me the problem was the result of tampons having been flushed (I am a male and obviously do not use tampons, so it was clearly a neighbor) and then that there were incorrect bolts used in the plumbing that were too large and contributed to the clog. Do you think I can sue for the damages (about $2,000 in clothes, towels, etc.) and challenge the indemnity clause? It does not seem viable that I should be responsible for damages resulting from negligence that I did not contribute to in any way, and that the building service-persons acknowledged was their negligence. Also, I would seek funds for a proper disinfection and cleaning of the apartment. Remnants of the sewage remain (paper I presume is TP) in hard to reach places like behind the fridge and washing machine).

May 3rd, 2023

My wife just passed away and I am the executor of her estate in her will (POA). How do I determine what is in her SSA account, given that she did not contribute during her years she participated in MePers the Maine teachers retirement system?

March 2nd, 2023