I bought my home in 2002 and have paid the insurance premiums and my house payment every month. My identity was stolen by this man. He stole the deed to my home and four days later he took my name off my homeowners insurance. My home was burglarized and vandalized. The insurance company has refused to pay for my stolen property or for the damage that was done to my home because "my name wasn't on the policy" even though I am still paying the premiums. This was fraud and they know this. They told me to get an attorney! I am disabled and don't have the money. What can I do? -- Debbie from Killeen, Texas
Identity theft is a tremendous problem. Did you file a police report about the original identity theft? If not, you should have. You are fortunate that there are two legal aid programs in your county that might be able to help you. The first is Volunteer Legal Services of Central Texas at www.vlsoct.org. The second one is Lone Star Legal Aid at www.lonestarlegal.org/index.pl. I suggest you contact both of these offices and get yourself some help. If you can prove you did not take your name off the deed and insurance policy, your insurance company should honor that policy. Good luck.
While living with a man in Iowa for two years, I helped pay for a sports car he purchased. He said if I ever left he would make sure he made it up to me. I have copies of every payment I made. Can I take him to small claims court to try to get some of my money back from him? What are my chances of winning? I would have to pay a filing fee and return to Iowa to do so. Wondering if it's worth it. I am pursuing $2,500. Thanks for any advice that you can give me. -- Doreen from Oconto Falls, Wisc.
Yes, you can take this man to small claims court in Iowa, but you will have a problem with proving your case. It will be your word against his. If he were willing to "make it up to you," then you would have already received money from him. I suspect he would go to court and say that you gave him the money as a gift and he never promised to pay you back. Why didn't you get anything in writing? If you had put it in writing, you would have a much better chance of winning. You also have to consider how much time, effort and energy it will take to sue him in another state and whether you would be able to collect money from him if you win. Send him a demand letter asking him to pay back what you contributed and see if he responds. You may be able to work something out. If not, it might be best to let it go and consider it a good lesson for the future.
I would like to know what options I have. My ex signed a divorce decree saying that she would take over the responsibilities of the house we bought together while married. She wouldn't sign the deed of trust for the home and she has been living in the home ever since and not paying mortgage. I know the house is in foreclosure now. How can I enforce what she agreed to without it affecting my credit. I just returned back to the states from active duty in Iraq. Please, I need help and direction on what options I have. Thank you. -- Don from Sacramento, Calif.
Thank you for your service. It is unfortunate you have to deal with this situation. You should consult with an experienced family law attorney where your divorce decree was filed. You may have to take your ex to court to enforce the terms of the decree. Other than sending explanations to the large credit reporting agencies, I don't know how you could protect your credit. Here is a link to information about soldiers and foreclosures which might be helpful to you as well: http://1.usa.gov/GDFi0N.
(Jackie Glass is a lawyer and former district court judge from Las Vegas, Nev. Submit your legal questions to Jackie by emailing firstname.lastname@example.org. You can follow her on Twitter at @theJudgeGlass. This column is being provided for informational purposes only. It may not be relied upon by you as legal advice and does not create an attorney-client relationship.)Copyright 2012 by Tribune Media Services, Inc.