akarotzy

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About akarotzy

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    California
  1. I am curious - My father established a storage facility unit account sometime prior to his strokes in 2013. I have power of attorney for him and had been paying for his storage since. When his finances drained, I started to utilize my household funds to pay his monthly storage rent in hopes that one day his condition would improve and he would be able to return to work and maintain his belongings. Unfortunately, that is not the case. In 2018 and early 2019, after many arguments with my husband, I was forced to let the unit go as we could no longer financially afford to pay $500/mo to maintain it. During the course of my paying the monthly rents, I did sign an agreement for an additional space to help consolidate the remainder of items for my father to one location. I did not sign for the original unit only the new unit. That unit was vacated in spring 2017. The storage facility has placed a collection account in my name only - not my father's - for the balance owed on his original unit. Is this even possible? I've contacted he original storage facility and the collection agency - they refuse to remove the collection account without payment in full. They claim that since I signed for the additional unit (that was vacated 2017) and signed the intent to vacate for the original unit by & with power of attorney for my father - How could I be personally responsible for my father's debt - even with a power of attorney to act on his behalf. I do not believe I am financially responsible for this debt. It was my fathers unit, my fathers belongings and my father's obligation. Thank you for your insight.
  2. I filed bankruptcy in 2015. Prior to the bankruptcy I had several late payments on my auto loan. During the course of the bankruptcy filing, I elected to keep my car and reaffirmed my debt. My lawyer advised me at the time that the prior late payments would be expunged from my credit report and only payment history going forward would be reported. She mentioned that the lender would likely create a new account for the remaining balance of the original note. This did not happen. The lender reports my account in its entirety, including the late payments prior to the bankruptcy. I requested that they update my credit report, to which they declined. What is the proper expectation and handling of this account? I believed filing for bankruptcy would offer a clean slate, however, with these late pays remaining on my credit report, I am still penalized even though my credit and payment history has been spotless ever since. I almost wish that I would have included the car in the bankruptcy. Thank you for your input. Much appreciated.