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Did you receive a letter in the mail from a debt collection agency? Or did you receive something from your County Court?
If it is a debt collection agency, then you should determine whether they are a legitimate debt collector first. If you received something from your county court, you should seriously consider hiring an attorney in order to protect your freedom.
The simple answer to your question is Yes. If you decide to not use an attorney to make sure that the real estate is properly transferred, you risk not properly owning it at all when its time for you to sell it.
We sue debt collectors that don't follow the rules. www.ParamountLaw.net
Under OK law, you likely have the right to break your lease and move out. If you have out of pocket expenses associates with the problems caused by the living conditions (hotel stays, etc), then you may be able to file a small claims suit against your landlord.
The law says you have a "month-to-month" lease once the original lease expired at the end of last year. When you gave notice at the end of February, that was your 30-day notice. You must pay March rent, and you will have until March 31 to live there (provided you pay rent). When you move, you should properly clean it, and take lots of pictures showing that you did, as well as pictures of any damage you caused or was pre-existing. After you move out, you must send a certified letter to the...
If the new lease doesn't mention the original lease, then only the new lease controls. However, if the new lease mentions the original lease, then the new lease can specify what parts of the original lease remain in effect.
That sounds pretty suspicious to me. Writing you letters trying to squeeze money out of you is not what I would expect Walmart to do. It sounds like a scam artist to me, not Walmart. You should call the company headquarters directly (not the number on the letters they are sending you) to verify they are coming from Walmart.
In Oklahoma, small loan companies are usually covered by the "Deferred Deposit Lending Act." Lenders are supposed to follow the provisions of the FDCPA. What you've described above would be illegal under the FDCPA. Lenders are supervised by the Oklahoma Department of Consumer Credit. You should file a complaint against the lender with the ODCC. I've added the link to their complaint form below.
This sounds like a complicated issue. You may have a cause of action against the CPA (and possibly his wife) for fraud. If the business is now defunct, then there is no chance to recover the money from the business. You should seek an attorney competent in business litigation. Although it doesn't look like Oklahoma County offers one, The Tulsa County Bar Association has an excellent referral service. See link below.
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.
I sue debt collectors that don't follow the law. www.ParamountLaw.net.
The other attorneys answering here are correct. If the credit card company (or debt collector they buys the debt from them) were to sue you and obtain an judgment against you, then, and only then, would they have the ability to TRY to garnish your bank account on put a lien on your house.
However, if all of the money in your bank account is social security income, the bank will deny the garnishment as social security...