Mr. Monks is probably correct, if the judgment has not been properly renewed, and if no action has been taken to attempt collection (such as garnishment) during the five years after it was awarded, although the judgment is not "void," it is no longer able to be enforced by the judgment creditor. That means that your wages can't be garnished, your bank account can't be honest, and it cannot be considered a lien on your property. If you receive any threats from a law firm or collection agency...
Be sure to learn your rights under the FDCPA. Debt collection agencies may not be untruthful with you. Also, if you are in Oklahoma, be sure to record your telephone conversations. It is not necessary for you to tell the other side you are recording the conversation.
We represent consumers free of charge for FDCPA violations. Be sure to take a look at the many different ways that debt collectors can violate the FDCPA on our website: www.paramountlaw.net
You really should speak with an attorney that does collection defense. Representing yourself is a recipe for disaster and you will likely lose on summary judgment. We do debt collection defense work statewide in Oklahoma, and have been extremely successful in getting debt buyer lawsuits dismissed without our clients having to pay anything to the debt buyer. Please feel free to contact my firm for a free consultation.
Paramount Law 918-200-9272
When dealing with third-party debt buyers, be sure to learn your rights under the FDCPA. In Oklahoma, you have the right to record your telephone conversations without telling the other party you are recording. This is often my clients' best evidence of harassment or being told untruthful statements. If the debt collector has violated your rights, please call us for a free consultation. Even if we decide to represent you, there is never a fee for our work suing debt collectors who violated...
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...
You can file a charge with the EEOC against your employer for hostile work environment. You can read instructions on how to do this here: http://www.eeoc.gov/employees/charge.cfm
If you have medical problems, you may be able to ask your employer for "reasonable accommodations" under the ADA. More information on this here: http://askjan.org/Eeguide/
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...
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...
We sue debt collectors who break the law. www.ParamountLaw.com
Get a recording! In Oklahoma you do not have to tell the other party you are recording them. Calling to try to collect an old debt passed the statute of limitations is most likely OK. However, if they hint that litigation is a possibility, or that it could be sent to an attorney, then this statement would be ILLEGAL (because litigation is NOT a possibility), and would entitle you to damages of up to $1,000 under the FDCPA,...
We sue debt collectors that break the law. www.ParamountLaw.net
Most legitimate debt collectors will not tell you that they are going to file a lawsuit against you. It is in fact illegal fir them to tell you this if they have no intention (or ability) to actually file suit. We can help you with your rights. Please feel free to call us about the FDCPA.