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Victor R. Wandres
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Victor Wandres’s Answers

135 total


  • Pay day loans

    I took out a pay day loan and started to pay back on it when the company close its offices in Oklahoma and left no way to contact them and finish paying them off, but could not find any thing about them or where to pay then in the past year and a ...

    Victor’s Answer

    I sue debt collectors that break the law. www.ParamountLaw.net

    There is not enough information here for me to know when the stature of limitations has ran. However, if they are using 3rd party debt collectors to collect, then you have many rights under the FDCPA, which actually may entitle you to damages.

    Also, you should be aware that there are many scam artists that target people who have taken out pay day loans in the past. Some of these scam artists may have no connection to the actual debt. Read the FTC alert below.

    Please feel free to contact us through our website. www.ParamountLaw.net

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  • Why would a Junk Debt Collector Atty file a lawsuit and not serve process? Do I have 20 days from the filing or from service?

    I found out that a lawsuit has been filed against me for an old junk debt (This is the fourth collector that has contacted me.) because I received an ad from a lawyer offering to defend me. The suit was filed on July 1 and I have yet to...

    Victor’s Answer

    Hire a NACA attorney and watch the court dockets for your case. Junk debt buyers are well known for filing sham "sewer service" in order to obtain a default judgment.

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  • Should I send a certified validation letter to a debt collector that I believe is trying to collect on a non existent debt?

    A debt collector threatened me that a warrant for my arrest would be produced if a did not pay him. It is for a payday loan which I believe to be non existent. He said I was being charged with defrauding a financial institution. He finally did se...

    Victor’s Answer

    It sounds like a scam artist. That is the common threat -- "a warrant will be issued." Can you find a website for the company? Pay day loans are typically how we see scam artists get personal information about clients.

    If you think they are a scam, Report them to the FTC and the CFPB. Check out this link posted by the FTC for more info: http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

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  • How to request debt validation?

    There are multiple websites that offer sample debt validation letters. What is the best way to address this issue?

    Victor’s Answer

    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)!

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  • Being sued for credit card debt. Respond asking for verification of debt?

    Our credit card debt was sent to a collection agency. We were making payments, now suddenly we're being sued by a law firm on the other side of the country. There doesn't appear to be a connection between the two. The summons lists the bank as ...

    Victor’s Answer

    Find an attorney that specializes in debt collection defense in your area. If you live in a larger city, you may be able to find one on NACA.net. If it is a debt buyer lawsuit, they are easily defeated once an attorney becomes involved.

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  • Oklahoma Civil Suit Defendant, how long does a plainfiff have to respond once an answer to summons/petition has been filed?

    Was served initial summons/petition as defendant (contains no date of hearing), i have filed my response/answer. How long does the plaintiff have to move forward? Can I file a motion to dismiss after a certain time frame? Would it need to be a ...

    Victor’s Answer

    We sue debt collectors that don't follow the law. www.ParamountLaw.net.

    I would add that if you wanted to be pro-active, you could file a Motion to Dismiss for Failure to Prosecute. However, that may just "wake the sleeping giant." Be sure to get an attorney's advice if you receive discovery requests.

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  • I have a on the job injury in OK. but im moving to Mo. How will this affect things? Do I get a Ok attorney or a Mo. attorney?

    First of all my boss isnt fighting anything I have a Dr. apt. tomorrow for one of my injuries. I was looking for a attorney but I dont know if I need still need one, and How will it affect things with me living in Mo now? I was also wondering if...

    Victor’s Answer

    We practice this type of law in Oklahoma and are happy to answer any questions you may have. Please feel free to contact us at 918-200-9272 in the morning.

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  • Need to know what my legal rights are please.

    I have a two year lease on my home does not expire until March 2014. I have the option to purchase home after first year of lease. I have chose not to purchase home but to go ahead and fulfill my two year lease. The owner has decided to put ho...

    Victor’s Answer

    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.

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  • Can my pay be garnished 1( if I was nevered served and 2) if I didn't live in the same state that judgement was made.

    I have a lease from 10 years ago showing I was not living in the same state

    Victor’s Answer

    Paramount Law sues debt collectors that don't follow Oklahoma Debt Collection Laws! www.paramountlaw.net

    If you can show prove that you were never served (which is difficult to do), then you should be able to get the underlying judgment vacated. Depending on how service was may, you may documents showing that you were living someplace else at the time of service. Provided that the underlying judgment is active, and registered in Oklahoma, they may legally garnish your wages and bank accounts up to the statutory amount.

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  • What is the statute on which a loan company can try and sue you over a auto loan where the vehicle was repo

    I had brought a vehicle and the vehicle was repo now they are trying to garnish my wages after 8 years. They sold the vehicle at a auction for far less than what it was worth.

    Victor’s Answer

    Paramount Law sues debt collectors that don't follow Oklahoma Debt Collection Laws! www.paramountlaw.net

    It sounds like they have already obtained a judgment against you? Otherwise, they have no ability to garnish your wages.

    Finance companies have many requirements placed upon them if they sell your repossessed car at auction. Do you still have the letter they sent to you that provided when and where to sale would be? Do you still have your original financing documents? If so, you should contact a consumer protection attorney to review whether there has been a violation.

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