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56 votes
Accepted

Can a car company refuse to give me a copy of my contract or balance details?

The comments are getting too much, but to verify that you are not insane, you are being bullied. It sounds like this is a sub-prime loan, of which you are wisely trying to get out of. It also sounds ...
Pete B.'s user avatar
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43 votes
Accepted

Is it legal for a minor to be hired by a college to take notes for students with accessibility difficulties?

There shouldn’t be any issue with you doing this as a minor. Because they have asked you to fill out a W-9 form, you know that they intend to pay you as an independent contractor, not an employee of ...
Ben Miller's user avatar
  • 116k
34 votes

Selling part of my land to neighbor

You might consider leasing it to them. It depends what they want it for. If they want to build on it, or need a larger lot to satisfy some city ordinances, leasing won't work. But if they want it to ...
DJClayworth's user avatar
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30 votes

Selling part of my land to neighbor

Can this be done without a subdivision process? i.e. Without city or county permissions as I know there is a 2 acr lot size limit for properties with well water, which we have. If they are getting a ...
mhoran_psprep's user avatar
23 votes
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I feel I'm not getting paid completely. Do these numbers add up?

The statement suggests that you worked 114.13 hours this pay period, not the amount you suggest (68.23+37.9+8). So that could be the discrepancy in yours and your employer's calculation. It looks ...
Pete B.'s user avatar
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21 votes
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Credit card charge off : Can creditor take away the electrician's toolbox and the car even if the car was paid off a long time ago?

They would have to get a judgement (from a lawsuit) before they could attempt any of that. In Texas a judgement lien can be attached only to real estate. So it looks like the answer is generally no, ...
JohnFx's user avatar
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17 votes

Can a car company refuse to give me a copy of my contract or balance details?

You won't be able to sell the car with a lien outstanding on it, and whoever the lender is, they're almost certain to have a lien on the car. You would have to pay the car off first and obtain a ...
Daniel Anderson's user avatar
16 votes

I feel I'm not getting paid completely. Do these numbers add up?

It looks like there are errors, but I believe your total pay is accurate. The first error is that the app seems to double-count weekend hours. You worked 39.96 weekend hours, and they pay a little ...
Hart CO's user avatar
  • 70.5k
13 votes

Credit card charge off : Can creditor take away the electrician's toolbox and the car even if the car was paid off a long time ago?

A creditor can sue you in court for payment, and if the court makes the judgement in their favour then the creditor can seize any assets you have to pay off the debt. However some of the things you ...
DJClayworth's user avatar
  • 33.6k
12 votes

Can a car company refuse to give me a copy of my contract or balance details?

Phone conversations are useless if the company is uncooperative, you must take it into the written word so it can be documented. Sent them certified letters and keep copies of everything you send and ...
Inviktus's user avatar
  • 121
11 votes

Sales tax on Food

The Texas state sales and use tax rate is 6.25 percent, but local taxing jurisdictions (cities, counties, special-purpose districts and transit authorities) also may impose sales and use tax up to ...
ChrisInEdmonton's user avatar
10 votes

Does a co-signer on a car loan have any ownership rights to the car?

Laws vary by country/region, but typically the title dictates who owns the car. A co-signer is lending their good name/credit score to help secure financing. They are obligated to pay but generally ...
Hart CO's user avatar
  • 70.5k
10 votes

Is it legal for a minor to be hired by a college to take notes for students with accessibility difficulties?

In most states, you can get a paying job at age 16*, so yes, it's perfectly legal to sell your notes. * Heck, I had a paying summer job at age 14 (but that was back when only bike racers wore helmets, ...
RonJohn's user avatar
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7 votes

Credit card charge off : Can creditor take away the electrician's toolbox and the car even if the car was paid off a long time ago?

I wouldn't file bankruptcy. "Simply not having the money" is an airtight defense against collection actions -- you don't need bankruptcy unless you have certain edge conditions (like OJ ...
Harper - Reinstate Monica's user avatar
6 votes

Is it legal for a minor to be hired by a college to take notes for students with accessibility difficulties?

YMMV based on location. What you would be doing by selling your notes is the equivalent of selling a good or product you produced yourself. Since it's not working for a wage, you should have no legal ...
GOATNine's user avatar
  • 2,491
6 votes

Can a car company refuse to give me a copy of my contract or balance details?

The advice above is generally good, but the one catch I haven't seen addressed is which specific laws apply. You said that you are in Arkansas, but the dealer is in Texas. This means that the laws ...
Rozwel's user avatar
  • 1,018
6 votes

Selling part of my land to neighbor

Your best course of action is to contact a lawyer in your county that is familiar with and experienced in real estate law. They can advise with what is possible, and assist with the necessary ...
Milwrdfan's user avatar
  • 266
4 votes

Am I entitled to pay if my last day falls on a holiday?

This question seems better suited for Law.SE, and I am not a lawyer, but here is my understanding of the situation. Yes, they have the right to do this. Texas is an "at-will" employment state, which ...
Wesley Marshall's user avatar
4 votes

Can a car company refuse to give me a copy of my contract or balance details?

No, they cannot refuse to provide you with the current balance or a balance history. The other answers point you to resources that are available to help you put pressure on the dealership. The bottom ...
NL - Apologize to Monica's user avatar
4 votes

using deed's of trust to negotiate for higher prices for land sales

I hold a real estate license. I can tell you that when determining a fair price, the liens on properties nearby don't even get looked at. The last house I sold was on a street that was developed as a ...
JTP - Apologise to Monica's user avatar
4 votes
Accepted

How do property tax breaks for seniors work with co-ownership of a home with a younger spouse?

This bit from the Texas Comptroller site indicates a surviving spouse under 65 can get the benefit even after the over 65 spouse dies, which wouldn't make sense unless both owners were able to get the ...
Hart CO's user avatar
  • 70.5k
4 votes

Which debts to target to maximize credit score change

If your plan is to be able to get a cash-out refinance in Texas make sure you fully understand the rules about those types of loans in Texas. The Texas state constitution even includes provisions ...
mhoran_psprep's user avatar
3 votes
Accepted

Are relocation expenses that are expensed by employers taxed at the same rate as normal income?

A bonus is taxed by the IRS as ordinary income. And so is this payment for moving expenses. Sometimes they allow you to decide if you want it tacked onto a regular check or as a separate check. ...
mhoran_psprep's user avatar
3 votes
Accepted

Secure a loan against estate in Texas

First, I would contact the tax assessor's office in his county to see if he qualifies for a property tax exemption (due to his age/ability to pay). Sounds like Texas does have a property tax ...
Hart CO's user avatar
  • 70.5k
3 votes

House sales and capital gains - primary vs secondary

The primary residence gets a $250K/person (assuming a couple) cap gain exemption on its sale. That's the main difference. Your primary house is the house you spend more than 182 days at. Typically, ...
JTP - Apologise to Monica's user avatar
3 votes
Accepted

NSF Check and Cash Advance

You should talk to your bank first, they may be able to flag it for overdraft instead of NSF, (check clears, your bank charges you an overdraft fee). I would also contact the recipient of the check to ...
Hart CO's user avatar
  • 70.5k
3 votes

Can a car company refuse to give me a copy of my contract or balance details?

UCC § 9-210. REQUEST FOR ACCOUNTING; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Look that up. Yes they suppose to provide some type of break down.
Present's user avatar
  • 31
3 votes
Accepted

Business income tax vs sales tax

I can't find anything definitive for Texas, buy my state and federal income taxes are filed annually, but you may need to submit estimated tax payments quarterly in order to avoid underpayment ...
D Stanley's user avatar
  • 137k
2 votes
Accepted

In what order do solar (rolling) and EV (non-rolling) tax credits stack?

We've received the solar tax credit but even though we own a pair of EVs, they were purchased used and ineligible for the tax credit. As you've noted, there's no roll-over for the EV credit. Be sure ...
fred_dot_u's user avatar
2 votes

Capital gain treatment when moved to a no state income tax like Texas

I can't give tax advice and you should speak with a tax professional. You may also want to work with a financial planner to review your overall financial situation (particularly if you have ...
Charles Fox's user avatar
  • 2,779

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