If my car is wrongfully towed, can I sue the bank?

Q: I have a car loan with a local bank and had to do a month’s deferral because I was out of work for a while. I called my local branch and spoke to their loan officer, who sent me the paperwork in the mail and told me everything would work out just fine. He said the month I couldn’t afford to pay would simply add on to the end of my loan and it wouldn’t be a missed payment. However, I’ve been getting nonstop collection phone calls from their collection department. I spoke with them and explained the situation to someone there and they told me “oh yes, now that you said you had a deferral I see that on our system”. They told me everything was fine. But today while I was at work they called again and a tow truck was seen on my street. If they tow my car wrongfully, can I hold the bank liable and sue?

A: You are likely in breach of your loan agreement if it is not paid and I am assuming under the same contract they are permitted to reclaim their vehicle. Now, the question is whether you can rely on their promise to extend or defer, or, is this just trickery being used to get their car back? Lenders are permitted to use some level of trickery in repossessing their collateral. It is not uncommon for the lender to invite you in to discuss your financial woes, while unbeknownst to you your car is being hooked and hoisted by a tow truck in the parking lot. What a lender cannot do is breach the public peace in the repossession process. For example, if your car is on a public street, it is fair game. However, they cannot go into your garage and take it. If you are serious about catching up with your payment, you might want to make the car unavailable until you are so caught up. If they do tow it, I don’t think you have a legitimate claim to sue them. If you cannot pay up, you may want to just turn the car in voluntarily to preserve your credit worthiness. Additionally, if they are calling you at work, they are in violation of the law.

I was placed on the rest for serving liquor to minors and I had a gun in my purse

Q: Can they search my handbag when I’m placed under arrest without my permission. I had a gun with me. I had a permit. I was under arrest for serving liquor to some teenage boys at my friend’s party. These boys were my son’s friends and they brought the beer into my apartment. The cops came because a mentally ill neighbor complained of the music. (Donegal, PA)

A:  If what you are saying is that you were placed under arrest and your bag was searched pursuant to the arrest, it is likely that the search of the bag was permissible. If you have a carry permit and are not barred from possessing a firearm, you will not be charged under the PA Uniform Firearms Act. I would be concerned about the other charges which are likely to be Corruption of Minors and Furnishing Liquor to Minors. You need to see an attorney.

Can I possess and buy a gun in PA after two DUI’s?

Q: I got my first DUI on 8/12/15 section 3802c dui bac .16+ with no ARD. Then I got another DUI 5 months later 2/6/16 which was a tier 2 but it was dropped to a tier 1 It is listed as a section 3802a1, DUI general impairment. I asked my probation officer if I was permitted to own or buy a gun. He said that I could because they were just minor misdemeanors. Some say you can’t but he said I could. I just want to make sure I cross my t’s and dot my i’s. I’m still on probation for 3 months. I’d love to hunt again if I can.

A: If this second DUI pleaded to was a misdemeanor 2 or above, you cannot possess a firearm in PA. You may want to consider bow hunting.

Can two people live together that are on probation?

Q: He has been on probation, and she just got on probation. They are married and expecting a child.

A: There is no law against it. It is only a problem if it violates a term or condition of their probation. If it was not listed on his terms of probation paperwork or the judge didn’t state it on the record, it is not a violation. You can always ask the probation officer but you will need to decide if you want to open that can of worms.

Does he have to pay remaining bills?

Q: Family member with dementia was victimized by a caregiver who ran up lots of bills in his. Most have been paid off but there are a few left. He now lives with his daughter in Greensburg and is ill and in a nursing home. He has no assets except a retirement account and needs that to live on. Can he be sued for these bills?

A: Probably not. Speak to an attorney. Notification of his financial status or the fact that he is on Medicaid (if he is in fact on Medicaid) to the creditors may be enough to ward them off. However, do not don’t count on it. Whatever you do, do not give them or anybody you care about a cell phone number as they will harass to no end. You may want to have a certified letter sent to the creditors informing them of his status. Your friend may also want to appoint his daughter or another family member appointed as his guardian to speak and act on his behalf.

What should I do? How can I get her name off the deed?

Q: I bought a home with my ex fiancé, then we broke up. Her name is on the deed but not the mortgage. I want her name off the deed. We agreed, over text, that I owe her $600 and she would take her name off the deed. I still have the texts. But now she’s saying she doesn’t want to take her name off. What should I do?

A:  I have seen situations where one person, even a spouse, is on the deed but not on the mortgage. You have a problem if she will not voluntarily sign a deed to you. If she has any equity in the home, through mortgage payments, or has contributed to the value, as in paying for improvements, you may need to put a number on that and buy her out. If that won’t work, there are two options: a) file a quiet title action in court which is very expensive and time consuming, or b) stop paying the mortgage and have the home foreclosed on. I do not recommend this. It will cause legal proceedings to be initiated against both of you. You can give the lender her contact information and they will harass her as well. You will suffer more harm than she as your credit will take a huge hit, but she may not like being sued. If she gives in and signs, you will be assessed legal fees on top of interest and costs if you are allowed to cure the default on the mortgage.

Can I move into my deceased mother’s home since I paid some bills?

Q: My mother passed away the 26th of January and I have been helping her pay her bills. She has a roommate that is being a pain and is telling me I’m not allowed to move in. I have paperwork saying that I have been helping her and so forth. Her roommate is not on the lease and wasn’t helping. Do I have a leg to stand on or do I have to go to civil court?

A: If you are not on the lease, I do not believe you have a legal right to move in. Helping to pay her bills unfortunately will not give you any rights to be a tenant. If the roommate is not on the lease, then he or she is likely to be on a month to month lease. Unless the roommate agreed to pay the bills that you paid, I do not thing there are grounds to sue the roommate.

Can I be charged for rape as adult when I was between the age 11-13?

Q: I am now currently 23. I was accused of rape by a foster-sister. She was between the age 7-9 and I was between the age of 11-13. I had a detective talk to me in 2015. I told my side of the story saying I didn’t stick my male parts in her. I said things did happen with clothes on and I wrote that in a report in 2016. Another Detective comes to me saying we need to go over paper work basically starting a new Investigation saying that they did a penetration test and basically telling me I he knows I did I gave him what he wanted to hear. He called the da and they said not to arrest me it’s been like 2 years nothing has happened. Lawyers In my area won’t help till I get paper work but that hasn’t happened. What do I do?

A: Don’t speak with anyone, police, friends, no one. You can be charged with rape and a variety of sexual crimes which are as serious. If you are contacted by police, refuse to speak with them no matter what they promise in exchange. You have no legal obligation or duty to speak with them, period. They know this. They have no right to take you anywhere unless you are arrested. If they do contact you again, say nothing and call a lawyer. No lawyer can really help you until you are arrested. I have no crystal ball but it sounds like the police do not want to prosecute. However, if the victim really pushes this for one reason or another, they may have to file charges.

Can I possess and buy a gun in PA after two DUI’s?

Q: I got my first DUI on 8/12/15 section 3802c dui bac .16+ with no ARD. Then I got another DUI 5 months later 2/6/16 which was a tier 2 but it was dropped to a tier 1 It is listed as a section 3802a1, DUI general impairment. I asked my probation officer if I was permitted to own or buy a gun. He said that I could because they were just minor misdemeanors. Some say you can’t but he said I could. I just want to make sure I cross my t’s and dot my i’s. I’m still on probation for 3 months. I’d love to hunt again if I can.

A: If this second DUI pleaded to was a misdemeanor 2 or above, you cannot possess a firearm in PA. You may want to consider bow hunting?

Can two people live together that are on probation?

Q: He has been om probation, and she just got on probation. They are married and expecting a child.

A: There is no law against it. It is only a problem if it violates a term or condition of their probation. If it was not listed on his terms of probation paperwork or the judge didn’t state it on the record, it is not a violation. You can always ask the probation officer but you will need to decide if you want to open that can of worms.