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
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.
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!
The Furnisher is the business that provides credit data about you to the credit reporting agency.
If the debt collector reported the data, they have to verify it. If the credit grantor reported about you, it would be their obligation to respond to your written dispute. Go to Hwh-law.com and click on the credit reporting tab for more details on how to dispute a trade line on your credit report. Feel free to give us a call.
This is a serious matter and may result in a final judgment of foreclosure being reported on your credit.
You should have contacted an attorney as soon as you were served. Now you will need to move to vacate the judgment if you want to remove your name from the judgment. You must move quickly or your time for seeking relief will expire.
Generally, lenders wait for at least 90 days before filing suit to forelcose. I would suggest you speak with your loan officer and find out what they would be willing to do. Perhaps there is a way to do a workout agreement or a forebearance agreement to give you time to get the property be sold. On the other hand, visit with a couple commercial brokers to determine if your pricing is realistic in your time frame.
It is only a crime under Oklahoma law if you took the car out of state to avoid repossession or to avoid paying on the secured debt. Tell the lender (in writing) where they can get their vehicle. If you paid less than $3,800 for the vehicle, they cannot sue you for the difference between what you owe over what it sells for. Good luck.