In Oklahoma, you will want to enter into a contract for sale and grant a mortgage. If you do it any other way, such as your landlord "keeping your deed" you are opening yourself up to be scammed. Owning property is a commitment just like a marriage, having children or even pets. If you make the choice, be smart and see an OKC lawyer to review the contract.
You need a lawyer. You need one fast. The Oklahoma Attorney General has a voucher program that will pay for an attorney to help you. You may have a defense. You may check out my firm if you want at hwh-law.com
it is very difficult to answer without access to the court file and without knowing the particularities of the district court you are in, but in general, you will be sent notice of a hearing five days before the hearing takes place. You are wise to keep checking the electronic docket. You can get an attorney to represent you paid for by the Ok Attorney General if the foreclosure is against your home, you reside there and you are trying to keep it. There are of course limits. Google Oklahoma...
A third party debt collector, under federal law (FDCPA) can only contact other persons to locate you. If they know where you are, they may not contact others about the debt. You also may have other rights under state law. Look for an attorney at NACA.net and look for the attorney listings under Fair Debt Collection in PA. Good luck.
If you did not make the payment, then it would not re set the time period to sue. The burden would be upon the collector to prove the payment. Make them prove it. check out hwh-law.com and get more info on documenting your contacts with debt collectors. Good luck.
An answer requires some assumptions. One, you were past due on a Capital One account. Two, Capital One sued and obtained a judgment. If these assumptions are correct, Cap One is looking for your banking records to seize your funds. Consult a consumer law attorney if the garnishment is wrongful. I am aware of other cases where Cap One allowed it's collection attorneys to place multiple wrongful garnishments.
You should always protect yourself from predator banksters. Don't accept any gifts until you are sure the bank has walked away. You are liable for any personal judgment that the bank may take against you.
They mean they are going to sue to foreclose on your home. You need to get a legal opinion on whether they should have offered you a mod. It can be a complicated analysis and depends on the loan program and investor. Get advice now!
I am going to take a shot at answering the question below the "practice areas" section. The remedy for breach of a contract in Oklahoma is to compensate the buyer for all detriment (harm) directly caused by the breach. Damages must be reasonable and foreseeable and cannot be speculative but do not have to be "certain." There is a small opening for a claim of "bad faith" breach but the facts of the misconduct by the loan servicer need to be powerful and there is the possibility of claims based...
Under Oklahoma law, a used car dealer is required to get financing approved on a "conditional delivery" contract. I don't think having you sign multiple contracts changes that requirement. You should attempt to return the vehicle in exchange for a written promise by the dealer that they are releasing you from any contract and return of your down payment and/or trade in vehicle.
If they don't agree to do that, you likely need to consult with a lawyer. Good luck!