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	<title>Ask the Lawyer @ Dear Esq. &#187; Finances</title>
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	<description>Answers to Your Legal Questions</description>
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		<title>I Gave a Lawyer Access to my Checking Account for Billing Purposes and Now I have a Negative Balance, Is This Legal? What can I do?</title>
		<link>http://www.dearesq.com/i-gave-a-lawyer-access-to-my-checking-account-for-billing-purposes-and-now-i-have-a-negative-balance-is-this-legal-what-can-i-do/</link>
		<comments>http://www.dearesq.com/i-gave-a-lawyer-access-to-my-checking-account-for-billing-purposes-and-now-i-have-a-negative-balance-is-this-legal-what-can-i-do/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 15:00:31 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Finances]]></category>
<category>attorney fees</category><category>banking</category><category>bankruptcy</category><category>checking account</category><category>credit law</category><category>finances</category><category>lawyer fees</category>
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		<description><![CDATA[A law firm attached his fees to my checking account. At the time my balance was $1.22, currently my Available Balance is over -$2,000 with a Running Balance of ($98.00).  What exactly does this mean? The amount debited on Sept 25, 2008 was $100.00.  Can he do this?  I'm current unemployed looking for a job should I close down this account?  When I find a job and deposit my checks will they take all of the money from my check?  What can I do?]]></description>
		<wfw:commentRss>http://www.dearesq.com/i-gave-a-lawyer-access-to-my-checking-account-for-billing-purposes-and-now-i-have-a-negative-balance-is-this-legal-what-can-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>A Company  Forged my Initials and Deposited a Post-Date Check Before the Date I Indicated on the Check, What Should I do?</title>
		<link>http://www.dearesq.com/a-company-forged-my-initials-and-deposited-a-post-date-check-before-the-date-i-indicated-on-the-check-what-should-i-do/</link>
		<comments>http://www.dearesq.com/a-company-forged-my-initials-and-deposited-a-post-date-check-before-the-date-i-indicated-on-the-check-what-should-i-do/#comments</comments>
		<pubDate>Wed, 09 Jul 2008 15:00:37 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Consumer Law]]></category>
		<category><![CDATA[Criminal Law]]></category>
		<category><![CDATA[Finances]]></category>
<category>criminal law</category><category>forgery</category><category>post dated check</category>
		<guid isPermaLink="false">http://www.dearesq.com/a-company-forged-my-initials-and-deposited-a-post-date-check-before-the-date-i-indicated-on-the-check-what-should-i-do/</guid>
		<description><![CDATA[I gave a business in Los Angeles two post-dated checks for $200 in April for services to be rendered over a two-month period. They subsequently changed the dates on the checks and forged my initials in order to deposit them early. Can they be pursued from a civil or criminal standpoint?]]></description>
		<wfw:commentRss>http://www.dearesq.com/a-company-forged-my-initials-and-deposited-a-post-date-check-before-the-date-i-indicated-on-the-check-what-should-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Does my Aunt Need to Liquidate her Living Trust in Order to Receive Nursing Care or is this Covered my Medicaid?</title>
		<link>http://www.dearesq.com/does-my-aunt-need-to-liquidate-her-living-trust-in-order-to-receive-nursing-care-or-is-this-covered-my-medicaid/</link>
		<comments>http://www.dearesq.com/does-my-aunt-need-to-liquidate-her-living-trust-in-order-to-receive-nursing-care-or-is-this-covered-my-medicaid/#comments</comments>
		<pubDate>Fri, 27 Jun 2008 15:00:15 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Wills, Trust & Estate Planning]]></category>
<category>elderly care</category><category>financial planning</category><category>healthcare</category><category>living trust</category><category>medicaid</category><category>nursing home</category><category>will</category>
		<guid isPermaLink="false">http://www.dearesq.com/does-my-aunt-need-to-liquidate-her-living-trust-in-order-to-receive-nursing-care-or-is-this-covered-my-medicaid/</guid>
		<description><![CDATA[I live in NY and my Aunt has resided in NJ for the past 10 years.  She had established a revocable living trust with herself as trustee.  She now requires nursing care in NY which costs 13,000/month.  Is she required to liquidate her revocable living trust or is this asset vulnerable to medicaid/nursing home attachment.]]></description>
		<wfw:commentRss>http://www.dearesq.com/does-my-aunt-need-to-liquidate-her-living-trust-in-order-to-receive-nursing-care-or-is-this-covered-my-medicaid/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Can a Judgment of a Civil Complaint be Used to File a Lien Against an Insurance Policy?</title>
		<link>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/</link>
		<comments>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/#comments</comments>
		<pubDate>Tue, 15 Apr 2008 15:00:01 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Insurance]]></category>
<category>assets</category><category>civil complaint</category><category>credit law</category><category>creditor</category><category>debt</category><category>insurance</category><category>lien</category>
		<guid isPermaLink="false">http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/</guid>
		<description><![CDATA[Can a judgment in a civil complaint be turned into a lein against an insurance policy that the accused (one who judgment is against) owns?]]></description>
		<wfw:commentRss>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>My Attorney will not Finalize my Bankruptcy Until all Legal Fees are Paid, Is this Legal?</title>
		<link>http://www.dearesq.com/my-attorney-will-not-finalize-my-bankruptcy-until-all-legal-fees-are-paid-is-this-legal/</link>
		<comments>http://www.dearesq.com/my-attorney-will-not-finalize-my-bankruptcy-until-all-legal-fees-are-paid-is-this-legal/#comments</comments>
		<pubDate>Tue, 04 Dec 2007 15:00:12 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Finances]]></category>
<category>attorney</category><category>bankruptcy</category><category>credit law</category><category>creditors</category><category>debt</category><category>lawyer requesting fees paid in full</category><category>legal fees</category><category>uninsured motorist</category>
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		<description><![CDATA[I recently hired an attorney to file for chapter 7 bankruptcy. I was told up front that the bankruptcy would not be final until all fees were paid. My attorney says that he won't do anything until all fees are paid in full. I have paid him $700.00 of a $1300 total. Is this reasonable normal practice?]]></description>
		<wfw:commentRss>http://www.dearesq.com/my-attorney-will-not-finalize-my-bankruptcy-until-all-legal-fees-are-paid-is-this-legal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Someone Leave a Summons Taped to my Front Door? Is this Legal?</title>
		<link>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/</link>
		<comments>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/#comments</comments>
		<pubDate>Fri, 30 Nov 2007 15:00:56 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Procedures]]></category>
<category>appear in court</category><category>credit card</category><category>credit debt</category><category>past due bill</category><category>payment</category><category>summons</category>
		<guid isPermaLink="false">http://www.dearesq.com/?p=832</guid>
		<description><![CDATA[My son found a summons addressed to me from a law firm suing me for a past due amount on a credit card.  The summons was taped to the front outside door of where I live in New York city.  It was taped there and any stranger passing by could read it.  Is this legal?]]></description>
		<wfw:commentRss>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It has Been 10 Years Since I&#8217;ve Written a Bad Check but I Can&#8217;t Open a Checking Account, What Should I do?</title>
		<link>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/</link>
		<comments>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/#comments</comments>
		<pubDate>Tue, 06 Nov 2007 15:00:28 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
<category>bounced check</category><category>checking account</category><category>credit repair</category><category>writing bad checks</category>
		<guid isPermaLink="false">http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/</guid>
		<description><![CDATA[I Have Written Bad Checks In The Past, And Now I Cannot Open Up A Checking Account. Will I Ever Be Able To Write Checks Again And Open Up Another Checking Account? Its Been Over 10 Years Are More. What Can I Do?]]></description>
		<wfw:commentRss>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My Ex Boyfriend Wrote me Bad Checks and Used my Credit Cards Running up a Large Debt, What can I do to get Compensation?</title>
		<link>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/</link>
		<comments>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/#comments</comments>
		<pubDate>Mon, 29 Oct 2007 15:00:25 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Small Claims Court]]></category>
<category>bounced checks</category><category>credit card</category><category>credit debt</category><category>small claims court</category><category>writing checks</category>
		<guid isPermaLink="false">http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/</guid>
		<description><![CDATA[In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account.  These checks bounced, although I was out the money.  He also made many charges on my credit card.  We have not been together for over 5 months; however, I am still paying on these loans.  What should I do?]]></description>
		<wfw:commentRss>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>My Mortgage Company may go Out of Business, What Should I do?</title>
		<link>http://www.dearesq.com/my-mortgage-company-may-go-out-of-business-what-should-i-do/</link>
		<comments>http://www.dearesq.com/my-mortgage-company-may-go-out-of-business-what-should-i-do/#comments</comments>
		<pubDate>Thu, 27 Sep 2007 15:00:17 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Property]]></category>
<category>mortgage company going under</category><category>payments</category><category>property owner</category>
		<guid isPermaLink="false">http://www.dearesq.com/my-mortgage-company-may-go-out-of-business-what-should-i-do/</guid>
		<description><![CDATA[My mortgage company may go under. Who owns the house in that instance? The mortgage company's creditors? How will it affect me? I am all paid up and in good standing.  Should I refinance now or not?]]></description>
		<wfw:commentRss>http://www.dearesq.com/my-mortgage-company-may-go-out-of-business-what-should-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can a Finance Company Threatening Repossession Refuse a Payment?</title>
		<link>http://www.dearesq.com/can-a-finance-company-threatening-repossession-refuse-a-payment/</link>
		<comments>http://www.dearesq.com/can-a-finance-company-threatening-repossession-refuse-a-payment/#comments</comments>
		<pubDate>Fri, 21 Sep 2007 15:00:55 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Contract Law]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Repo & Foreclosure]]></category>
<category>car payment</category><category>contract law</category><category>creditors</category><category>late payment</category><category>payment</category><category>repo</category><category>repossession</category>
		<guid isPermaLink="false">http://www.dearesq.com/can-a-finance-company-threatening-repossession-refuse-a-payment/</guid>
		<description><![CDATA[My son is behind 2 months on his car payment. He spoke to the finance company today and said he would be able to catch the payments up tomorrow when he gets paid. The finance company told him he had to pay today by noon or his car would be repossessed. Can they do that?]]></description>
		<wfw:commentRss>http://www.dearesq.com/can-a-finance-company-threatening-repossession-refuse-a-payment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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