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I presume from your post you wish to have a reconciliation between your numbers and the creditor's. You also wish to negotiate a final payment of the payoff. Why don't you simply mail a tabulation of your payments made with the balance and ask if it reconciles with their balance. In the...

Don't give up hope so easily. Who at corporate have you spoken to? Go up the ladder to the top if necessary until you reach someone with a sympathetic ear. This isn't about policy, this is about empathy for the consumer. Be nice and non-argumentative and perhaps you'll locate someone to...

This post is nearly 3 years old.

From over 30 years of work experience in various positions, I've learned the best practice is to say little to nothing to management regarding petty employee grievances. Aside from true harrassment such as sexual advancements and/or physical assualt, minor issues may be an annoyance to your...

41% interest - wow! As there is no usury law in effect in Texas, there is a "general" understood rate of 6% used in consumer transactions. Therefore, I'd suggest offering $204 (6% of $3,400) in lieu of the $1,400 they are asking. I feel this is a more meaningful offer versus the $150 that...

Did you by chance pay for your new TV with a credit card? If yes, check to see if your card provides "Purchase Protection coverage". If it does, there is a chance that any accidental damage done to the TV within a specified time from the date of purchase may be covered. Unless a person is...

Your questions cannot be answered across the board. Each establishment will have their own policy and procedure regarding video surveilance. The store will not offer the tape(s) to you upon asking nicely. Though you may wish to go this alone, Army has given you the best advise. You need to...

It can't hurt you and can only possibly help you. Who knows, by chance the contractor may have recently fired the culprit for stealing from another customer. If this comes out in conversation, then this opens the door for you to submit your claim to the contractor!!

Don't know what you've been smoking, but that's not fraud. If you have a car accident and the person who hits you refuses to submit to his insurance, then you simply learn his insurance company from the police report and submit the claim yourself. That is definitely NOT fraud! You are...

My best guess is the OP is an independent contractor and the $3.00 may be for bonding insurance. If this is true, then the OP may only have a claim against the owner of the property she was cleaning at the time of the accident. She would be well advised to bring this to the attention of...

Filing in small claims court for under $1,000 is 99% fruitless. It will cost more in money and aggravation than it is worth. Most likely you will have a judgement piece of paper that you will NEVER collect on. Always take the easiest and non-legal approach first. You seldom know the full...

Message for Myndie Lynn: If you are this 17 year girl, please, please consult with your parents or clergy. Even if this 38 year old guy may seem as nice as can be, he may turn ugly and vicious very quickly. DO NOT GO IT ALONE!! Your life could very well be threatened.

Just to clarify, I believe the OP was referring to statutory rape law. Thus the legal age for consent is 16. If the parents forbade the relationship and had a restraining order against the male, then there would be a legal issue. Yet, that would merely be due to simple contact, not the...

Disgusting YES, illegal no. Age of consent in OK is 16. There is an exception: Those under the supervision or legal custody of a state agency, county, municipality, or political subdivision who engage in sexual activity with an employee or contractor of the authority. This includes...

It may be helpful to define the diversion with more detail. For instance, if I wrote a company check to myself and thus diverting the funds to benefit me that is indeed criminal. Yet, if my superiors were not available and a crisis occurred and I wrote a check to someone which prevented...

Illinois is an "At Will" state. Unless you are unionized or covered by an employee contract, you may be terminated for any reason that is not discriminatory by legal definition. Employers today are using the internet and social networks to investigate potential employees. That is why it is...

Again, I can't speak as an attorney and hopefully someone else will step in. Yet, I get the belief that this is a grey area. In a courtroom I compare this as seeing two sides throwing pepples at each other. Only the judge would be able to declare the victorious side. That is why I would...

I did a little research and found the following, and thus common sense here does not outweigh the law!! Emails are subject to copyright. There is no specific copyright category for emails. Like webpages, the copyright in an email is determined by its content. For example the text in an email...

Though I too was perplexed by Army's post, his replies are nearly spot on 100% of the time and he is indeed the real McCoy. Perhaps he will see this and re-post. Though I myself am 99.9% confident that the threat has no merit. Why even worry until you are contacted by an attorney? No need...

I partially disagree with Gail. It would depend upon the insurance held by the landlord for the property. I recall years ago when my son damaged a neighbor's car by innocently runninig his toy car over the hood of the real car. My homeowner's insurance paid for this liability. Were the...