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Lucius James Wallace

Lucius Wallace’s Answers

44 total


  • Does anyone knows of good experienced lawyer in Oklahoma,debt settlement and be willing to fight private student loan collection

    want to have affordable payments, and not just get roll over an allow judgement and liens. can judge make fair decision on what and for how long debt is to be paid, have to pay child support already...if there is already garnishment in place, at...

    Lucius’s Answer

    Your post makes no mention of whether you incurred these debts while attending a for-profit or non-profit school. I mention this only because for-profit schools have grown at alarming rates in recent years and many students have found themselves at graduation having attended a school based in large part upon false promises with little or no opportunity to find employment in the field of their education. If this is all too familiar, you may have claims that give you relief from federal guaranteed student loans where the ability to benefit has been falsely certified by the school.

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  • Can I get out of an alarm contract?

    I had an alarm system installed in my home 6-7 months ago. About a month ago it started having sensor problems. A door sensor and a carbon monoxide sensor. We had a technician out at that time he changed the door sensor and replaced the battery...

    Lucius’s Answer

    I feel your frustration, but I'm not sure two failed repair attempts will be sufficient to for you cancel the contract. You may want to give them another couple of chances to try to remedy the situation. Be sure you document your efforts and their responses so that if your called upon to testify about it you can prove it up.
    Regardless of whether you decide to follow my suggestion above, you should locate a copy of the contract that you agreed to when you requested the services. Read it carefully so that you understand exactly what they agree to provide and that you understand your obligations as well. Do you have a copy of any promotional materials or shiny fliers they showed you to get you to buy their products and services? Look for potential false representations within the materials. If you choose to terminate the agreement, unless they agree to your request to terminate without any further obligation, you will have to prove they breached the contract or violated the Oklahoma Consumer Protection Act which you can find at 15 O.S. 761 et sec.. see http://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=66254

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  • Can a Ford Dealership Sell A Car That Has A Salvage Title without telling you ?

    I've asked this Q a few wk ago with no response . I'll try and be more clear. I bought a 07 mustang Fm a local ford dealership it did have some hail damage on it and they had dropped the price down Fm $15,900 to$11,900 i paid $8,000 cash and a tr...

    Lucius’s Answer

    Whether or not you are the victim of fraud requires a very fact intensive review of your sales paperwork and a thorough understanding of your discussions in connection with your purchase. There is an implicit representation with all vehicle sold by dealers in Oklahoma that the vehicle you are purchasing has a clean title. Our law firm has numerous jury verdicts in Oklahoma against car dealers for fraud. Please give me a call at your convenience. You will find more information about our law firm at www.hwh-law.com

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  • Equity loan I have not missed a payment then I got a shock when I got my bill inJuly they wanted the whole amount but I made my

    When I called the bank they gave me the run around they would call me back whicj they never did, everytime I called I got a person that did not know anything or they would find out. I could not make aug. and sept. payments because they did not sen...

    Lucius’s Answer

    You need a good consumer lawyer which you can find a www.naca.net. Time is not on your side. Do not delay. Lenders and mortgage servicers have been out of control for years. If you do not take quick action they will take your home. Do not trust that the mortgage servicer will correct their errors. Feel free to call me if you need a referral to an IN consumer lawyer.

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  • Can a dealership legally keep my car?

    I traded in a truck for my current car. During the process of paperwork, I misjudged the cost of which I still owed on the truck by about $300. After the downpayment for my current car was accepted and my loan for my new car was established, my mi...

    Lucius’s Answer

    So many of the issues you have raised are controled by WA state law so you need to visit with a consumer lawyer in WA. You can find one at www.naca.net. You may be able to get a better idea about whether their demand has any merit by reviewing all documents in your purchase of the vehicle that relate to your trade-in and any amounts owed on your trade-in. My gut tells me they may have language that provides that if your representation of the amount of your payoff on the trade is wrong you agree to pay the difference. Just because they have this language, if they do, does not mean it is legal. You will need to visit with a WA consumer lawyer to find out.

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  • Can i sue Sam's Club for letting someone other than me use my credit card without my permission?

    Wallet stolen from me...credit card swiped at different locations including Wal-Mart, Sam's Club, Golden Corral, Sheetz gas station..police said homeless man was the theft but how did homeless man get around to all these places. Made biggest purch...

    Lucius’s Answer

    First, If you have not already notified your credit cards of the wallet/credit card theft do so immediatly. Next, file a police report. If you see any of these fraudlent charges on your bill you must send a written dispute regarding the charges to the credit card companies to perserve your rights under the Fair Credit Billing Act. This written dispute must be completed within 60 days of the charge first appearing on your monthly statement or within 2 monthly billing cycles. The Merchant's failure to prevent the fraud at the terminal will come back to bite them because the credit cards should, assuming you do everything your supposed to do under the FCBA, reverse the charges. Your real claims will be against any credit cards who refuse to remove the fraudlent charges and seek to collect from you and potentially with the Credit Reporting Agencies for failing to comply with the Fair Credit Reporting Act. You may also have NC State claims, but you will need to visit with a NC consumer lawyer to find out. You can find a consumer lawyer at www.naca.net. If the credit card companies seek to collect from you or they hurt your credit for this fraud and you are unsucessful finding a local consumer lawyer, feel free to call me and I will refer you.

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  • Can class action lawsuit from ten years ago be entered to relieve debt?

    my fiance attended brooks college of sunnyvale CA which was involved in a class action lawsuit so that the loans taken out to pay for school would be void. we didn't discover this until recently and it happened over ten years ago. he still owes al...

    Lucius’s Answer

    You need a consumer lawyer who has decided to focus their law practice on student loan litigation. You should be able to find one at www.naca.net. If you can't find such a lawyer close to you, give Joshua Cohen in Connecticut at 860-233-0338 x1 or look him up at www.thestudentloanlawyer.com. Good luck

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  • How do I get my name off a car loan?

    Soon to be Ex-husband will be awarded one of the vehicles, both of our names are on the loan. Bank will not refinance due to loan being more than vehicle is worth. I need to get my name off loan because I want to buy a vehicle. My bank won't gi...

    Lucius’s Answer

    Without a written agreement from the bank removing you as co-signer you are stuck unless you can sell the car or your ex-husband trades it in for a new vehicle.

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  • I cosigned a loan for a car. The loan is not being paid by the person I signed for. What rights do I have to the car?

    I haven't made payment myself yet, because I don't have the car in my possession. I will make the payments when I have the car. The bank says we can do a private repossession. The car is in florida I'm in tennessee.

    Lucius’s Answer

    Your obligations as a co-signer will likely be dependent upon the law of the jurisdiction of where you co-signed the agreements. You should speak to a consumer lawyer in that State which you can find at www.naca.net. In many States, a co-signer is equally liable for making payments under the terms of the financing agreement. If this is true for your situation, it is likely that your credit will be impacted by the missing/;late payments and the repossession. You need to understand the full impact of a "private repossession" on your credit and your continuing obligation for any deficency balance.

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  • How do I sue a bank for the cost of an improperly repossessed vehicle?

    My boyfriend received the title to a motorcycle that was repo'd 3yrs ago. He called the bank, they said it wasn't repo'd. When he called back and talked to someone else, this person says it WAS repo'd and put him through to collections. Collection...

    Lucius’s Answer

    You need to visit with a consumer lawyer in PA because PA state law will determine the outcome of your situation. You can find a consumer lawyer at www.naca.net. If the bank did repo, they have duties and obligations to comply with the law regarding notice, disposition and deficency. If the bank failed to comply with the law, your boyfriend may be entitled to damages.

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