contents lost in the fire. Insurance compamny omits my name from those checks, giving my girlfriend total of the finances, in which she kept for herself, leaving me with no money. What are my righs and what is there obligation to me as a named insured? I have already sent them a letter regarding this matter
206255
if they are not responding to your letter, try having a lawyer send one on your behalf, usually things take nothing more than a letter signed by a lawyer, most will do something like that at a very low cost (lower than if they were actually doing a bunch of stuff)
64118
Geez-first, my heart goes out to her-\nOn the face of everything, it sure would be fair to say she has a "right" to be able to deduct these expenses.  My guess is, since she did not OWN her apartment (?) that she does not itemize her normal tax return.  Since the situation is confused by the disaster, I would have her, or better, yourself, contact your local field office of the IRS, or H&R Block manager (they get direct updates from IRS and State) on how you may be able to handle these disaster-related expenses in her state.\n\nIn her situation also, check with the local F.E.M.A. office and see what financial assistance she might be able to get NOW for housing, food, and other expenses.  What I have found to be true is that if you don't bang on every door and be persistent, especially with governmental employees, you don't get.  Also have her file for unemployment in the state she was working in-something is better than nothing.  \nShe needs to have a permanent address for them to mail her the forms and the (hopefully) checks.  It does not have to be in the same state.
433368
There is so much good advice already , but ...   I would like to add a little to it anyway, namely ,  PLEASE  see to it immediately that you have a job, an income of your own of some sort . Take your name off that account of his and get one in your own name . You do not need anybody else's  approval when you feel you want to spend some money . Earn it yourself and enjoy it yourself. Pay your debts and don't be a moocher living in a person's apartment etc., and they have total control over your destiny . He can do an about turn and kick you out any time if your name is not on the renter contract . All you need is a good fight or argument and you are history . I hope for your sake you put some money aside . Sure is hell to be hungry and have no place to keep warm . Look out for yourself and good luck to you .
463087
Does the bill say "E&OE" or "Errors and Omissions Excepted" or "Errors and Omissions Excluded" anywhere? If so, they are entitled to reclaim the difference if they can prove the original amount was in error. They do sound unreasonable to try and ask for such a large amount so quickly, but there is nothing legally preventing it.\n\nIf it doesn't say it, they are on more shaky ground
379565
She can't legally hold your belongings, but it sounds like you owe her money even if nothing was in your name.  Pay up and be a grown up and then get your crap outta there.
657262
Hmmm..might want to talk to a lawyer.  All insurance companies will do whatever they can do to pass the buck onto someone else so they can save money.\n\nRealistically though, that's why people have homeowner's insurance - to cover accidents that happen at their home.  Whether or not your friend wants to make an insurance claim or pay you out of their own pocket is their choice, but either way, your FRIEND should be covering your medical costs as well as any lost work income you had.\n\nIn fact, they should be grateful that you are not suing for more, because you could legally get pain and suffering too!\n\nNot all insurance companies drop on one claim.  I had State Farm and had two $5K claims in the first 9 months I had the house and they didn't drop me or raise my rates (to my surprise).\n\nIn any case, your insurance company does have the right to go after your friend (if the friend doesn't turn over the insurance info) and you probably ARE legally compelled to cooperate.  Check your own insurance contract.  Otherwise your ins co might be able to refuse the claim.\n\nPlus you are still out a week or more's income.\n\nJeez..you sound like a great and caring friend, but your friend is more concerned with his own pocket than your welfare.   I'd ditch the friend and hire a lawyer to sue them!
301984
Dear Friend,\n\nIt's time to consider filing for bankruptcy.  Your ex is broke, and there's no way the state can be held liable.  Sorry, that's the bottom line.\n\nYour Friend,\nFrancesois
54830
You should always be able to call your local police department. If it is something out of their comfort zone and/or authority, they'll be able to refer you elsewhere. Unless you've actually incurred monetary damages (loss of income, significant fees to get things back to normal, etc.), my instinct is that there will be little that can actually be done. If you have an attorney and if you know who this person really is (not just a screen name or some such), you could ask your attorney to write a letter to this individual. Again, legally speaking, there may not be much that can be done, but a letter from an attorney will likely scare the living crap out of this person. Something else you may want to do is see if there is an InfraGard chapter in your area. They will likely have resources and suggestions for you, as well. It may even be worth checking into reporting the incident to CERT/CC.
94708
The loss of employment on your end should have no bearings on your husbands insurance policy if he is paying for it through his employment or separately. However, his insurance policy may have a clause set forth regarding your work status, although I have never heard of such a thing. If you apply for new insurance, you may be denied benefits for your pre-existing condition because you have a pre-existing condition.
214396
You are not required to have insurance on any property.  The reason everybody thinks you are required is no bank will ever lend on a property unless you have insurance.\n\nHowever, you should always have insurance on any property.  This is especially true on rental properties.  Your scenarios of a fire, death etc can reasonably happen.  Whether it is your fault or not you will have the cost to defend yourself so the insurance is worth the cost for defense.  You will also want to rebuild which you will need the insurance monies for.  \n\nI own rental property and i had a tenant slip and fall on my property.  It was total BS but everyone has their right to sue.  The tenant sued for a living and had four other similar cases pending.  Three years later and 30K in legal bills the case was settled against my wishes.  The insurance company paid the tenant 10K to go away.  I still had the headache of dealing with the lawsuit and had to pay my deductable of $2,500.  I figure it cost me $10,000 between my time and deductable.  Without insurance it would have been $40K minimum and probably more.
113904
You don't have to own property to have a state tax lien. Basically what it means is he has unpaid state income taxes that are past due.  The state will put a "lien" on you which means they can take any federal tax return money you may get, or "attach" any property or income you have coming in the future until the past due taxes have been paid.  They can actually go and attach or garnish your wages until it's paid off too. Since you are his wife, they can garnish your wages too.  Employers tend to get upset with this stuff and in some states can even fire you for it.  I would contact your state tax collection people (you can look in the phone book under "(your state name)_______ State Income Tax")and find out exactly how much you owe.  Usually you can make an arrangement with them to pay it off in payments. As long as it's outstanding, you are getting hit with penalties and interest too, which can turn a relatively small amount into a HUGE debt in a very short time.   Trying to get anything on credit will be next to impossible also with that on your credit report.  The sooner you take care of it, the better!
492986
you were right - if he wrote a receit it really counted for nothing, no copies for him and nothing really scanned in 'officially' to the company. You would be the one at fault if it went missing. Hope you called the company and asked why he had no receits and it put you at liability - and wasted YOUR time waiting in for him/her
501036
who is he?why is he still working for the company?he made this error.how many errors has he made before?he should pay for this mistake one way or an other. as for paying back the monies. i would seek legal advice and ask the above questions. why should you fork out for this  company's mistakes,not only in monies,stress,etc.
506853
sorry hun you have no case......... you have to put the shoe on the other foot  and think,,,, If someone owed you money wouldn't you try anything to get it back???????????????   BTW if you paid your bill your wouldnt be in the mess you are in
339173
Send a written complaint to your state's insurance commissioner's office.  I agree with you, the provisions of this contract seem vague and contradictory.  As a matter of contract law, the insurer cannot enforce a vague provision in it's own favor; vague provisions are supposed to be interpreted AGAINST the party that drafted the contract.  \n\nIf the insurance commissioner's office finds, after an investigation, that the contract is unjustly vague, it should be able to assist.\n\nI hope this helps.
261943
You left, you broke "the lease" you have lost your money...move on. YOu can sue her in civil small claims, but don't count on getting anything back. Better to spend the time on making more money to replace it. Get over it.
334249
i suggest strongly you handle this through an atty. get an atty. for yourself so everything can be covered that needs to be.  she will have to sign up her rights as well. so get antty and do things the proper way so there isn't any futher prob;ems down the road. meaning in the future.