FREE legal advice online? Please help.?

FREE legal advice online? Please help.?

I’m wanting to find a website where I can chat online with someone for free legal advice. I’m needing an ONLINE chat for safety reasons at home. Does anybody know of any? It’s important.

Answer : I suggest one to try this internet site where you can compare from different companies: http://SMARTFINANCESOLUTIONS.NET/index.html?src=MEDFEBOhc2iesoh .

Related :


How do I get my ex-boyfriend off our mortgage note without refinancing?
My ex-boyfriend and I bought a house together in May of 2007. Long story short, in July 07 he quit his job to build his own business, in Dec 07 I was diagnosed with cancer, and my salary, credit, and disability paid most of our bills, including mortgage. We went on forebearance in October 08. We broke up in Feb of this year. He is in the process of moving out, and I want to keep the house. I qualify for Home Affordability Modification on my own, but would not qualify for a regular re-finance. I know a quit-claim just removes him from the title, but not the mortgage note. Even though I have been paying the mortgage on my own for many months, he is unsure about staying on the note in case I die or something. What other course do we have to remove him from the loan? It is a Freddie Mac loan serviced through Citimortgage. Is assumption or novation a possibility (I have only heard these terms, not sure about the details)?””
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ARe there any loan companies out there who will work with poor credit-I do not want a payday loan.?
I’ve been divorced for about three years and would love to pay off some debts So far the only applications that I am able to access are for payday lenders. I am a high school teacher, have a good job and a good income. Are there any legitimate lenders out there who are willing to look at the total picture and not just a credit score? I would appreciate any advice””
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I want to rent a flat but I have a bad credit rating and CCJs…?
Me and my friend who are both in jobs want to share a flat but the letting agency say they will do a credit check on us. My friend’s credit history is good but mine isn’t! I really don’t want to tick the box on the form saying I have bad credit as my friend doesn’t know about that! I can pay the deposit and a month’s rent upfront easy. Would it be possible for us to get the flat??
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Can anyone give me advice about our house in Bankruptcy?
We went bankrupt in November 2010, moved out of our mortgaged home, and moved into rented accommodation.. We owned a property (mortgaged) which had a 75K mortgage and also we had a 30K secured loan and 50K UNsecured debt. Just recently, one house near our old house, went for 105K, so the most it will get (at auction probably) is about 90K. So we went bankrupt and the receivers contacted us to see what assets we have — we have none, except for the house. We haven’t been back to the house since, and didn’t have our mail redirected as we have informed anyone of any importance about our new address. Well, I phoned the receivers today to ask if they have let the creditors know yet, (because at 12 Jan 2011 they hadn’t..) and they said yes they informed them and sent a report of our debts and other creditors on 18 Jan. Then this girl said, ‘your unsecured debtors (we had 50K unsecured debt) will know there’s little point in trying to you, but the mortgage company will need to contact you and know your ‘current’ address, because they will need to issue a repossession order,,,’ I am utterly baffled, as when we spoke to the receivers in November, (AND the court too,) they both informed us that the receivers would deal with everything, and that the creditors will need to go to the receivers for any assets we have. This is how bankruptcy works surely.???? And now this girl tell us that we should have contacted the mortgage company voluntarily, because the creditors ‘only let the creditors know the person is bankrupt,’ and because there is little equity, they don’t take the house themselves, they just leave it up to the mortgage company to reposses it at their leisure. So apparently, we are supposed to work with the mortgage company through the repossession. !!! But why on earth should *we* have to let them know our new address so they can badger us here, ?? Surely they can repossess it without us. I was under the distinct impression from the court and from the receivers (at the start) that once we go bankrupt, it’s out of our hands. and now 3 months on, one girl at the receivers office is saying that we should have contacted the mortgage company so we can help in the repossession process! Well excuse me, but we did pay the receivers 900 (450 each) to do this job for us, and what would happen if we had buggared off and just abandoned the house like a lot of people do? Surely the repossession can go ahead without us? Can anyone advise? I am super reluctant to contact the mortgage company and see no reason why they can’t simply repossess without us. And I am particularly pissed off that the receivers AND the court said it’s out of our hands and we need to do NOTHING, as declaring ourselves bankrupt freed us of the debt (and the assets of course..) and now this girl today has said we should inform the mortgage company of our new address, or the repossession order will take many months, as they ‘need our signatures…’ for the repossession order to go through swiftly. For one, why only say this now? And what happens if someone abandons a property? Should we just leave it and wait for them to repossess without us?””
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Car Loans Online?
Whats a good site for comparing auto loans?
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“”No credit, bad credit, on approved credit???? WTF?””
Is this possible??? no credit bad credit on approved credit””””””””””
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Which is the best and safest free credit report to use?

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If i have a credit score of 563 will i be able to get a auto loan.?

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Do my spouse and I file for divorce or bankruptcy first?
I am a 54 year old woman with a Masters Degree in Education. I am currently unemployed but AM going to begin looking this week, for anything. My spouse makes around 100K a year. We are also about 100K in debt. We have depleted all of the saving and all but 80K in his retirement. We own a home that needs repairs before being sold. The marriage has deteriorated due to lack of support from my spouse in pursuing a resolution to our situation. However, we did have a free visit with a bankruptcy attorney. We would qualify, but would have to pay back 100% over 5 year’s. The monthly payments would leave us with very little money for all other expenses for a family of 4. In a North Carolina divorce, are the marital debt’s always split 50/50? I don’t know where to begin finding someone to give me advice I can afford. All I want is to resolve this situation in the best way possible so that my children (16 1/2 and 21, both living at home and going to school) and I can move forward with a hopeful and productive future. I realize that the only hope I have is to do this on my own.””
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“”How long does the High Balance”””” on the credit report stay on your credit report?””””””
I was recently declined an Amex blue credit card with a credit score of 750 (Experian) and the reason they provided was my Trans Union credit score was low. So under the federal law I was entitled to request for a free copy of the report they used to determine my application. I took a look at the Trans Union report and they show all the High Balance”””” meaning the highest balance I’ve had so far. I just graduated from college 3 yrs ago and I only have 2 yr of credit history. My income is 64K and my total Monthly credit limit combining all the credit card accounts is $12K I have 3 bank credit cards and 2 store credit cards and my payments were made on time and I always paid in full. For my credit card accounts my High Banlace is almost near my Credit Limit but I always paid everything in full every month. This happened because I wanted to build my credit and I didn’t have any knowledge about credit so I thought if I used more and paid back more””
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How do you get your free credit report if you don’t have the requested information?
I recently attempted to get my free annual credit report online, however my attempt hit a wall when I was asked to provide a credit card number for a debt that I had accrued a few years ago. I no longer have any information which tells me what this number is and the only way I’ve found that I could retrieve this number would be to actually see the credit report itself. Is there any way around this catch-22?””
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Anyone had experience with payday loans?
Do they send you to jail if you default? My sister has gotten so trapped by these. She gets another one to pay off the previous one.
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My credit score is 685 do i qualify for a auto loan?
i am 19 years old i have only two credit cards in good standing, but paid one off already and canceld it, and my score is a 685, do i qualify for a auto loan? if i do what interest rate will i have?””
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Do i have to pay back cash converters if i cant afford it?
i have two loans from converters the it is way to hard to pay it back as other debts have risen. i have a personal loan and a cash advance witch they approved i am on welfare should i pay it back if i don’t what are the ramifications
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Pre approve auto loan?
What if I get a $26000 pre approved auto loan, but the car i buy only cost me $23000?””
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What are appraisal requirements for a conventional home loan?
I am currently buying a home that is foreclosed. loan was approved but appraisal said cost to cure is -15,000. under the notes for cost to cure it says the flooring needs replaced and the tub liner. I have already estimated these costs to not be over 1,500?? why do they say cost to cure is 15,000?? and the carpet has no damage, it is just dirty and needing cleaned so why does an appraiser make my cost to cure so high? I got a conventional loan because I was told the requirements for the home will be easier. meaning as long as there was no visible roof, structural, electric, plumping…etc needing to be repaired I should qualify for home? a friend of mine told me he couldn’t get a home once because the garage door needed fixed??? I really want this home I cannot do any repairs to it before I buy it because it is a HUD home… so how do I get this house? its perfect only needs some minor fixes like new carpet and replaced doors. I estimated the cost to be $114 for all. The house is a foreclosure and im sure the people were not happy to loose there home as I wouldn’t.. so I AM PRETTY SURE IT IS COMMON for a home to be dirty and abused a little when its a foreclosure!!! I am a first time homebuyer and I thought I did my research please help, thanks.””
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Is it safe to give out a credit card number on internet?
The site was blocked. So i put the https”””” myself and it opened. Does that still count? (it was originally http.)””””””
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Are Discover Cards good?
Im a college student and I wanted to apply for the Discover student credit card. This will be my first credit card and I like the benefits of the card, but I heard that Discover cards aren’t accepted at to many places. Are discover cards widely accepted in the U.S? are they accepted in more places than American Express? Is Discover a good credit card to go for?””
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“”After a chapter 7 bankruptcy, how many years do you have to wait to apply for rural housing?
Our bk will be two years old 11/08. We are 1st time homebuyers.
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Should i file bankruptcy?
i went through a divorce and and now my credit is bad.all my credit cards say on my report is charged off.so should i file a bankruptcy?i haven’t made any payment for like almost 3yrs.advice please
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How to figure out training fees earned and unearned?
Watson Technical Institute (WTI), a school owned by Tom Watson, provides training to individuals who pay tuition directly to the school. WTI also offers training to groups in off-site locations. Its unadjusted trial balance as of December 31, 2011, follows. WTI initially records prepaid expenses and unearned revenues in balance sheet accounts. Descriptions of items a through h that require adjusting entries on December 31, 2011, follow. On November 1, WTI agreed to do a special six-month course (starting immediately) for a client. The contract calls for a monthly fee of $2,200, and the client paid the first five months’ fees in advance. When the cash was received, the Unearned Training Fees account was credited. The fee for the sixth month will be recorded when it is collected in 2012. WATSON TECHNICAL INSTITUTE Unadjusted Trial Balance December 31, 2011 Unearned training fees 11,000 Training fees earned 38,000 Unearned Training fees (Debit)? Training Fees earned (Credit)?””
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“”If my small incorporated business declares bankruptcy, will I be personally, financially responsible?””
If I am the guarantor”””” of loans does that make me personally responsible if the business doesn’t cover the loan?””””””
“FREE legal advice online? Please help.?

I’m wanting to find a website where I can chat online with someone for free legal advice. I’m needing an ONLINE chat for safety reasons at home. Does anybody know of any? It’s important.


Where is a good place to go to see what my credit scores are from the three credit reporting companies?
.what makes you recommend them?Any suggestions,ideas?””
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What is an installment loan? How does it work?

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“”What is the name of the actor in the freecreditreport.com commercials, with the long blonde hair?
He plays guitar in the back seat of the car in one of the commercials. Anyone know his name? :]
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Personal Loan-Bad Credit after BKRPTCY?
I filed bankruptcy and it was discharged 1 year ago. I have the letter, my transunion score is 499 , who will finance a personal loan for me? Any suggestions….””
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How do I receive a free credit report via the internet without surrendering a credit card number?

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“”I’ve got some flawed credit, yet my income is high &$4K down,who’s the best Sub-Prime Auto Lender 4 me?
26 yrs Job Time and $6K a month…trying to accomplish as much as I can before I go into a Dealership and also would like the option of buying from a private party as well. HELP!!!!!
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“”Which is the best Credit Card”””” in Toronto and why.?””””””
Although i am looking for a Credit Card which : — has no Annual Fee — has one of the best reward points system — has acceptability everyone without any fuss Still if your answer is otherwise, i would still be interested in what you have to say. Thanks in advance !!””
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“”Labor plus the part to fix my car cost 900 dollars, i have 117,000 miles on my car. should i get a new car?””
the labor and part to fix car is 900 dollars, the guy at the kia dealership told me this and said it may be time to start looking for a new car. that cars with many miles on them a person tends to have to keep bringing the car back in for different things to fix… my car is paid off. am i better off fixing my car and keeping it to bring in to fix again at some point or just getting a new car..””
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What is the best option for this situation?
My ex husband is trying to extort money from me by threatening me. I want to counter sue but he is such a lazy bum he is unemployed and on the verge of filing for bankruptcy. Is sueing him for emotional damage the smart thing to do here?
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When someone files for bankruptcy does that also include any amounts owing to the tax department (Australia)?

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High School Student Car Loan ?
So im trying my best to get money to buy a Rx-7 and ive done some research about insurance and all… i live in alberta btw. So anyways im trying to convince my parents to buy this car for me thats 12,000….. but they said No”””” since i cant drive it yet…. and even when i can drive…they probably still wont get me this car… so im taking matters into my own hands what i would like to know what would be the total price i would have to pay each month to keep this car if i was on a student car loan plan. including insurance and all… dont have to worry about gas cuz i wont be able to drive it till march… but anyways i want to get this car so bad !!! so my income is about $450 every month…. (i already took away my monthly spendings on that) so i can use $450 to pay off the car each month… but of course i dont want to spend that much each month to pay off my car…. but anyways would it be possible for a 17 yr old to get a loan from the bank…. and how much would interest be ?? would the interest go lower if i have a co-signer ?? how much will insurance be as well ?? i wont be driving it for like 5 months through… its just going to sit in my garage… the reason im trying to buy it ASAP is because its because the car customized and if i wait till march this car might be trashed by some one or maybe bought and transported somewhere else… anyways id like someone to give me a approximate price that i would have to pay each month and for how many yrs… please calculate it to be more affordable so i can actually pay it off each month… even if it takes 5–8 yrs…. THANK YOU !!!””””””
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How do i pay off my debt?
i just did a free credit report and want to pay off all ym debt. i have the money but dont knwo where to begin….
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Credit card APR for 725 credit score? the credit card APR is 18.50% and they never decreased?
SAMDUDE FIRST OF ALL-I NEVER ASKED THE INTERESTS SUCKERS TO LOWER THE ASPR, THATS CORRECT! BUT NOW I WANT TO ASK THEM I HAVE THE CARD FROM 2008, NO LATES, 720 CREDIT SCORE, LESS THAN 30% CREDIT USAGE — I’M A SELF EMPLOYED BUT MY INCOME IS NOT IN UNITED STATES I JUST SPEND DOLLORS IN USA DO YOU THINK THAT I CAN LOWER THE APR? WHAT IS THE CORRECT APR FOR 720 CREDIT SCORE? CAN YOU SUGGEST? I’M NOT A ONE-LANGUGE-SPEAKER PERSON, I’M NOT AMERICAN I SPEAK MANY 6 LANGUAGES, NOT 1!””
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Which companies that will loan bad credit loans?
My credit is shot with credit cardsbut i would like to get a loan of @ least 2,500.00 im sure i will need a co-signer. I just need to know some places to look to get a loan w/ orw/out a cosigner.Please help!””
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How do i get cash from atm using my chase freedom master card even if i dont got money n bank ..is it possible?

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Do auto loans from Capital One require a 20 % down payment?
Thanks in advance.
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We filed Ch7 bankruptcy & our attorney never reaffirmed 1 of the loans. Do we have any recourse against her?
The banktruptcy was discharged in June 07, but it really caused us some problems.””
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What if i file bankruptcy? but did not go to court yet?

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Can you answer a political question about bankruptcy?

“FREE legal advice online? Please help.?

I’m wanting to find a website where I can chat online with someone for free legal advice. I’m needing an ONLINE chat for safety reasons at home. Does anybody know of any? It’s important.


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DOES SUN LOAN COMPANY GOES BY YOUR CREDIT SCORE?

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“”I have a personal loan with a bank, can I ask for more money (not much) and add it to this existing loan?

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Describe what all a bankruptcy lawyer does?
Maybe explain a day in the life of a bankruptcy lawyer. Thank you!
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How can i get e free credit check now on-line without paying for it later?

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Where can i find a free company profile on century 21 real estate?

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Identity theft for auto loans?
Thank you all for your informative replies. I am getting more worried about the potential mess I am in. A-jones I am having trouble opening the link you posted. You say I should file a police report, Is this something I need to wait to do until I have conclusive proof that there have been accounts opened under my name without my consent, or should I go to the police immediately since, as you stated, these loans or accounts may take months to even show up?””
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Which auto insurance companies DON’T use a credit score when deciding rates?
I disagree with the use of credit scores and auto insurance, and would like to find an auto insurance company that doesn’t use the method when selling me their service. Does anyone know of companies that don’t check your credit, and instead uses your driving record, age, etc….like it used to be?””
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How do i raise my Credit Score?
How do i raise my credit score from 680 to 740 in a years time?
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“”Equifax credit report changed in 6 months, Can i fight this to change it back?””
Oh I know I can dispute it your correct. Theres a form on Equifax website where you fill in the information then any proof””””. The only thing I meant was Will Equifax change the information. Since it was different 6 months ago””
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Payday loans??
WE DONT SPEND ON ANYTHING BUT BILLS!!! I JUST started my job! Cant a person run into trouble without being wasteful of money????
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Which is better for building credit? Auto loan or student loan?
I already have a 710 credit score…I am 20 years old…and can honestly do either. The only difference between the two is the auto loan has a higher %rate, and the student loan has a much lower monthly payment in case I get into any trouble in the future. I plan on getting a mortgage in 2–3 years.””
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How long do I have to live with co-signer? auto loan.?
I bought a new truck in oct with a co-signer. I’m moving but the dealer told me to wait 6 months from purchase to change plates to new state. The co-signer is staying at old address & is currently on reg with me. The truck is going with me & id like to reg where I move to. Why do I need to wait?
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How can i get a 500k loan?
my dad used my credit card and over drew so now i have bad credit but i wanna start a car shop, so what are my options?””
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Private loan (loan shark) in Nottingham?
Any ideas for 400 quid? Can’t get payday loans!
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I’ve paid over 600 dollars for a payday loan that was for a 150 why wont they just put a stop to this now?
Okay well first of all i am paying on it every other week i have money withdrawaled from my account. So for those of you that say i should pay up well you know what i am and have been thank you!!!! so take you nagitiveity else where! Secondly If i didnt need the help i wouldnt have done believe me when your a single mom dont get help from anyone or anything, then you know what i will do whatever it takes to put food on the table for my kid. Third when somone ask a question in here they dont want to see smart *** comments that are to be avoided some people have finacial problem yes and you know what we also may not have a family to turn to or anything. i have no one nothing just me and my kid so take you comments and shove them where the sun dont shine… and lastly i was asking for advice since i HAVE been payin on this and HAVE payed over 600 dollars now on a 150 dollar loan.. So thanks to all you rude inconsiderate basterds out there that dont give two shits on how others will feel f””
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“”I promised to pay 5,000 dollars but I owed 15,000 dollars can the credit card send me a 1099c?””
I had to file chapter 7 bamkruptucy in 1996. I reaffirmed one credit card and agreed to pay them 5,000 dollars .I owed them 15,000 . ten years later they send me a 1099c for the remaining balance.””
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I Need A Loan For $4000 Now Tonight To Be Used Tomorrow?

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“”A question about asset disposal”””” before bankruptcy?””””””
I am considering an IVA or bankruptcy in the UK prior to emigrating to New Zealand. Although I have a lot of debts I currently have some fine wine worth about 20,000. If I want to get to NZ all of the visas, medicals, assistance from an emigration agent (which I need because of complications with my circumstances), flights for my family and I, and one month’s income up front in NZ to get us started and pay rental deposits will come to about 13,000. The other 7,000 we would hand to the Official Receiver or trustee and we would arrive in New Zealand with nothing but suitcases with clothes in them. Would using that 13,000 expenditure be seen as an unreasonable disposal of assets prior to bankruptcy?””
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WHAT HAPPENS IF I DON’T PAY OFF A PAY DAY LOAN ON TIME ?
I got stuck in a payday loan situation. i have out 4 payday loans. (speedycash, cashnetusa, paydayone,checkngo) i made payment plans to pay 2 of them off within. the next month. how do i deal with the other 2 ? the other 2 i wont be able to pay them off untill after another month of paying off the 1st two. right now im in their companies collections. what happens after that part? do they send me to another angecy? i’ve already closed down the bank account so they cant take out and charge me NSF fees. and these were also online loans. so i never issued out any checks to come out bad. what am i looking at ? i am gonna pay them but its gonna be 2–3 months but they dont wanna hear it becuz they wanna be paid off right away…””
“FREE legal advice online? Please help.?

I’m wanting to find a website where I can chat online with someone for free legal advice. I’m needing an ONLINE chat for safety reasons at home. Does anybody know of any? It’s important.


What are the best Shiny Toy Guns songs?

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We bought a house on land contract 2 years ago and now the owner is filing bankruptcy. What do we do?
We bought a house by land contract 2 years ago. We have never missed a payment and the mortgage is, as of now, paid up to date. The guy we purchased from (the guy who still holds a mortgage on the property) was a small business owner and his business went under. Now, he is filing Chapter 13 bankruptcy because of his business losses, but this only allows him to protect the house he personally lives in, despite the fact the mortgage on this property is good. His lawyer is telling us to just keep making the mortgage payments (directly to the mortgage company rather than thru him) and well be good because it’s not in default. The mortgage is thru GMAC, who we hear are not fun to work with. Are we going lose the house? Should we stop making payments? Scared sh*tless right now, we have three children, have invested a lot of money into the house on renovations (roughly $10K), and we recieved the $8K Home Buyers Tax Credit when we signed the contract. Feel like we’re in deep. HELP!!!””
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Trying to get an auto loan?
I checked my credit score and its at 679. Im trying to get an auto loan of 10k, either with chase or capital one. I am serving in the military so my income is steady. I have about 2.5 years of credit. Should i have any problems getting a 10k loan from either of these companies? If not, what about a credit union?””
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Will a bank give you a copy of your credit report for free or little cost?
Im looking to rent my first place and I need a copy of my credit report.Every website I been to asked for a credit card but I dont have one.So will a bank give me a copy of my credit report for free or little cost? or is there a website that actually gives it to you for free? If you know please help me out.Thanks!
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Getting my name off Ex’s mortgage?
EDIT- We are legally divorced for two years now, he took my name off the title, and bought me out of the equity on the house, now he has until August to get my name off the mortgage, I think if I show the mortgage company the divorce decree they can do it. If not, I’ll have a judge order my name to be taken off it in August…..is that possible?””
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Do you think it’s necessary to have identity theft protection on your credit cards?
Do you think it’s necessary to have identity theft protection on your credit cards? If yes, anybody know the best identity protection with the best service?””
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What is a good APR rate to look for in a credit card? I am student!?
whats APR? and what is a good number to look for in a credit card?
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Is my Credit Score good??
I recently checked my credit score on Experian and it said that it is 722 on a scale of 501–990 and then I estimated my credit score on MyFICO and is says that my score ranges from 705–755. Are these GOOD?? Average? Bad? Are there different ways to score credit?
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Is their an age requirement for private student loans..?
can a17 year old take out a private student loan….?
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Where can I get a free credit report?

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Can you remove yourself from auto loan?
A couple years ago I helped my sister get a car by putting it in my name and she is a consigner. Now, I need my credit clearer so I can get a house and property, but she wants to refinance and extend the loan and stuff. Is it possible to remove myself as primary and have her (as cosigner) take on the lien? No collateral was used, she hasn’t missed or been late on a payment in the couple years since getting the car. 13–14,000 left.””
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This about Chapter 13 Bankruptcy?
I’m editing document and have come across this: In a Chapter 13, a person has 60 months to bring the home mortgage’s current? Is this a typo, meaning 60 days, or is this correct?””
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Probability?
Assume you have applied for two scholarships, a Merit scholarship (M) and an Athletic scholarship (A) The probability that you receive an Athletic scholarship is 0.18. The probability of receiving both scholarships is 0.11. The probability of getting at least one of the scholarships is 0.3. What is the probability that you will receive a Merit scholarship? What is the probability of receiving the Athletic scholarship given that you have been awarded the Merit scholarship? What is the probability of receiving the Merit scholarship given that you have been awarded the Athletic scholarship? Please help””
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“”If I pay my 30 yr, 6.25%, 350k mortgage, plus an additional 1500.00 per mo. principle, When will I reach 0?

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Building & renting at same time — how does your loan work?
I mean if you have a mortgage to buy land & build but while your building you have to rent how does the loan work — do you still make full repayments on the total of the loan or can it be adjusted so while your renting the repayments are not so high & once you move into your fully built house then the repayments go up to normal???? Hope that makes sense but i cant work out how some people can afford to build & still pay rent to live!
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What is a good interest rate on a credit card?
I have a credit card with a $15,000 limit. The intrest 9.4% fixed. To me this is a good interest rate. I don’t expext it to be as low as my car loan of 4.9%. However, I am not sure. Please help me.””
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Bankruptcy including a mortgage?
we’re getting ready to file and are probably going to be discharging our house as well. for anyone who has done this, were you able to get another mortgage….ever? and how long after were you able to get approved? did you have a hard time until it was no longer on your credit report (ie: the full 10 years)?””
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Should I get a Kohls charge card?
Is there an annual fee?
“FREE legal advice online? Please help.?

I’m wanting to find a website where I can chat online with someone for free legal advice. I’m needing an ONLINE chat for safety reasons at home. Does anybody know of any? It’s important.