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Lucius James Wallace

Lucius Wallace’s Answers

44 total


  • How to deal with the finance dept of car dealership.

    We got a new car 2 weeks ago. Also got the retail sales contract (the long yellow sheet of paper). There is no mention anywhere on it that financing is contingent upon approval. Does it mean my financing is final? It lists the name of the dealer a...

    Lucius’s Answer

    You should seek out a lawyer in the DFW area that handles auto fraud cases. www.naca.net is a good source for a consumer lawyers that represents only consumers. The dealer may be engaging in a Yo-Yo. Think yo-yo: dealer tells you your approved and send you on your way only to try to force you back to the dealership to sign new contracts often with terms that ensure more $ to the dealer and lender.

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  • How can I collect on an old judgement?

    I won a judgement against the corporation. This was back in 1998. My lawyer told me that even though I won that there was no way to make the corporation pay. Since that time I have heard that the corporation filed bankruptcy. I was not notifi...

    Lucius’s Answer

    • Selected as best answer

    In Oklahoma a judgment is only enforceable for five years unless you renew the judgment. Make sure you still have an enforceable judgment before you spend time on this issue.

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  • I'm in a debt settlement program. Can debt collectors contact me, even though I've asked them to speak with my authorized rep?

    I have given temporary limited power of attorney to my debt settlement company. One law firm in my state has called me several times threatening to sue me if I do not settle the account. I have repeatedly asked the law firm's representaive to...

    Lucius’s Answer

    If your goal is to stop all communication, send them a written letter telling them cease and desist all further communication with you. Send it by certified mail so you have proof they received it. Keep a copy of the letter for your records. A word of caution regarding "debt settlement" companies. Make sure you understand exactly what they have promised to do for you and what exactly your commitment is to them for the services. Be sure that any agreement you enter into for their services does not contain an arbitration clause or other clause wherein you agree to waive your right to jury trial if they(debt settlement) company doesn't live up to all the promises they made to earn your $ for their services. Why would any legitimate company doing business with a consumer insert an arbitration clause trying to keep secret their activites when a dispute arises? There are many predators out their that pose as "debt settlement" companies who end up taking a lot of your $ for little or no real benefit to you. Some but not all can make your situation worse.

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  • What can I do if a Defendant keeps calling me at odd hours in the middle of the night?

    I'm a Pro Per Plaintiff in a civil suit involving numerous Defendants. One of the Defendants (an LLC) continues to call me late in the middle of the night (without blocking their call), but then hangs up as soon as I answer. When I call the numbe...

    Lucius’s Answer

    • Selected as best answer

    If the calls continue, speak to your phone service provider about whether they can provide documentation evidencing the dates, times and number initiating the calls. The phone company may require a subpoena. Provide this documentation or some other form of proof that the calls are occuring( photos of a caller ID) to opposing counsel in another straightforward but firm letter to opposing counsel demanding they stop the calls. If the calls continue you might want to consider supplementing your claims to include these actions.

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