Victor R. Wandres’s Answers

Victor R. Wandres

Tulsa Debt Settlement Attorney.

Contributor Level 9
  1. How can I protect a new spouse from my future medical bills

    Answered 9 months ago.

    1. Terrell Monks
    2. Kevin H. Pate
    3. Victor R. Wandres
    4. Christine B. Adams
    5. Shaye Larkin
    5 lawyer answers

    You are wise to consider this now, before any medical bills are incurred. As you know, in Oklahoma, like many states, there is a specific statute that provides that medical providers may seek payment from the spouse of the person who incurred the medical bill. I agree that your best protection is to speak with an attorney who practices estate planning.

    3 lawyers agreed with this answer

  2. I got a dui 25 years ago in NJ,1987. Paid all cost except the ins. Surchg o$3,000.00,Can they charge penalty&intrest for 25 year

    Answered over 1 year ago.

    1. Victor R. Wandres
    2. Bart Charles Craytor
    3. Jeffrey Jose Estrella
    3 lawyer answers

    With many cities and counties becoming cash-strapped, they are looking for alternative sources of revenue, including collecting on old debts. Municipalities and the companies they hire are typically immune from the FDCPA for fines. However, if you live in Oklahoma, in order for them to collect this amount from you, they would have to register the judgment here, at a cost to them, which may keep them from acting. Plus, they may be fearful that an Oklahoma judge would see the debt as too old (...

    Selected as best answer

  3. I have an auto loan with Capital One. I am on disability and can no longer afford the vehicle. Can they garnish my SSDI check?

    Answered over 1 year ago.

    1. Victor R. Wandres
    2. Dustin Ryan Hurley
    2 lawyer answers

    Yes, SSDI funds are exempt from garnishment in Oklahoma. However, they can reposses the car if you stop paying for it, and obtain a judgment against you for the balance. If you begin working again, the creditor would be able to garnish your wages.

    Selected as best answer

  4. I GOT A SUMMONS FROM A DEBT COLLECTOR FOR A CREDIT CARD FOR 1.523.79 THAT HAS BEEN WRITTEN OFF.I AM 79YRS OLD AN MY ONLY INCOME

    Answered almost 2 years ago.

    1. Victor R. Wandres
    2. Robert A. Stumpf
    3. Stephen M Trezza
    4. Peter Walter Weston
    4 lawyer answers

    Jim, the other attorneys are probably right. If your only income is your SS disability, that check is exempt from garnishment from your bank account. However, if you own any real estate (other than the house that you live in), that property may not be exempt. Be advised that if you do not answer the Petition by filing an Answer with the Court, a judgment will be entered against you, regardless if it is "collectable" by the Plaintiff. If you, or anyone else you know is getting called or...

    Selected as best answer

  5. I received a summons for Civil Court over a credit card debt. I have been asking the collector for the debt validation.

    Answered over 2 years ago.

    1. Victor R. Wandres
    2. Jeffrey B. Lampert
    2 lawyer answers

    First and foremost, you must file an Answer to the lawsuit with the Court. If you do not do this, a judge will rule against you by "default" and the plaintiff may get an order allowing him to garnish your wages. If you have filed an answer and the plaintiff refuses to provide you with documents after sending them "discovery" questions, then you can file a motion asking the judge to "compel" the Plaintiff to produce the documents you need. The other attorney is also correct--use your own...

    Selected as best answer

  6. Love, Beal & Nixon collections in OKC garnishing check for debt that isn't mine. Can I counter-sue? They're on Ripoffreport.com

    Answered over 2 years ago.

    1. Victor R. Wandres
    2. Dorothy G Bunce
    2 lawyer answers

    What documents do you have that will prove that the account isn't yours. Do you have any letters from LBN agreeing with you? What is working against you is that there is a judgment declaring that the judgment is yours which allows them to garnish your wages. The previous attorney that posted is correct. You will likely need to file a Motion to Vacate the judgment entered against you in order to stop the garnishment. If you can prove that they acknowledge the debt does not belong to you...

    Selected as best answer

  7. Contract in Collections

    Answered 9 months ago.

    1. Victor R. Wandres
    2. Kevin H. Pate
    2 lawyer answers

    Our office sues debt collectors for violations of the FDCPA and FCRA. You should learn your rights under both of these laws. If you dispute that you owe the debt, you may send a certified letter to the collection agency reporting the debt advising them that the debt it "disputed" and requesting they provide you with the name and address of the original creditor. The debt collector may make no further efforts to collect on the debt once they receive this letter. The debt collector also...

    2 lawyers agreed with this answer

  8. Need to know what my legal rights are please.

    Answered about 1 year ago.

    1. Victor R. Wandres
    2. Cheryl Rivera Smith
    2 lawyer answers

    Paramount Law sues debt collectors that don't follow Oklahoma Debt Collection Laws! www.paramountlaw.net Provided that you don't miss payments and uphold your commitments under the lease, then the lease provisions regarding no signage until 15 days prior to expiration should be enforceable. Your landlord is incorrect that a buyer will not have to contend with your lease.

    2 lawyers agreed with this answer

  9. How to request debt validation?

    Answered about 1 year ago.

    1. Amy Elizabeth Clark Kleinpeter
    2. Victor R. Wandres
    3. Emily Mary Chiarizia
    4. Graeme L Abraham
    4 lawyer answers

    I agree with Amy. There are also some great letters recently shared by the CFPB at http://www.consumerfinance.gov/blog/debtcollection/. Be SURE to send them with delivery confirmation (return receipt)!

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

  10. A credit card co has a judgment. They garnished my wages. The court dissolved it. They did it again, I moved from FLA to OK.

    Answered about 1 year ago.

    1. Victor R. Wandres
    2. Dheeraj Kumar Singhal
    2 lawyer answers

    We sue debt collectors who don't follow the rules. www.ParamountLaw.net It's hard to tell from your post where the new action was filed, but it sounds like you have a new lawsuit pending in Florida. If that is the case, you need to find a Florida attorney who practices consumer protection law. A good place to look for consumer protection lawyers is NACA, the National Association of Consumer Advocates. There is an attorney list that you can search by state at http://naca.net/find-attorney....

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

Call for a FREE consultation. You may be entitled to a $1,000 Reward!

918-200-9272