Oklahoma Bankruptcy Legal Questions

Very sorry to hear about all your issues.  It sounds like bankruptcy would be  very good option to eliminate your debts and start to rebuild your credit and eliminate the pressure you have from your creditors. You should have a consultation with an experienced bankruptcy attorney in your area.... Read More

Until you have at least one missed payment, they wouldn't have a right to pick up your car. that's why they want something in writing, not a phone call. Tell the bank when you are coming and request they have their paper ready. Arrange for a friend to follow you to the bank. Deliver the car you want to surrender, sign off and have your friend drive you away. If no friend is available, take a cab away from the bank. If your bank is in another city or state, that makes it harder. Maybe a friend or someone else you know can hold the car until the paperwork is in order.... Read More

You do not indicate the amount. You do not indicate why you were ticketed. Inside ten minutes would not seem to exceed any limits which might be posted. Were you parked in no parking area, or handicapped, or in more than one space. Pay it and move forward, or contest it and devote time and treasury both to the matter.... Read More

If your sole income is social security, it can not be garnished. If you are baking cakes and selling them and putting that income into the same account as the ss funds, you'll likely have to prove what is ss and what is cake money. Keep your ss money separate from any other source is the lesson there. You still owe on the debt, unless you discharge it in a bankruptcy, but they can not garnish the ss money. However, should you win the lottery this weekend, they could come after those funds. If you are being told otherwise, you are dealing with someone who doesn't know, or who perhaps hopes you do not know and will agree to start sending payments. Do not do that. You do not have to.... Read More

You can not preclude a lawsuit on a valid loan in default status. You can shut down abusive behavior. As you are unemployed, contact Legal Aid to see if they will assist in ending harassment. If you happened to have actually documented the harassment of you and others, see counsel in your area about filing a suit for violations.... Read More

If everyone who was lied to about going to prison actually went to prison, we'd need a whole lot more prisons. Retain counsel and let counsel explain it to the people who are lying to you. Once you have counsel, they can not talk to you anymore. They must deal with counsel unless they file a suit and take your deposition or call you to the stand (these things rarely ever happen if the creditor has been lying to the debtor.)... Read More

You can show you opened the account and perhaps that he was making payments initially on an account in your name for a device in his possession. However, if you lost track of the status of the account, that sounds like you might have stopped reviewing and giving him the bills. It's unclear how you might be handling the account in your name and not notice the issues with it. While one can certainly sue a relative, that comes with dynamics impacting well outside the court room itself, irrespective of whether you prevail on the claim or lose it. Perhaps there is room to work a payment plan and negotiate a lower amount than the total claimed due. Perhaps involving counsel might aid you with that goal. These matters do not typically go straight away to the creditor's counsel, so some opportunities to resolve amicably may have been missed. Hopefully, not all.... Read More

One would need to know the terms of the agreement with the bank to properly advise you. I can think of one scenario right off. If your agreement states any late payment incurs a late fee of X. Let's pretend your payment is 100 a month and there is a 25 late fee. You pay 100 every single month, but are late every single month. end of payment month one, 100+25 is owed but you paid 100. You start month 2 at 25 in the hole. end of payment month two, 25+100+25 is owed but you paid 100. You start month 3 at 50 in the hole. end of payment month three, 50+100+25 is owed but you paid 100. You start month 4 at 75 in the hole. end of payment month four, 75+100+25 is owed but you paid 100. You start month 5 at 100 in the hole. end of payment month five, 100+100+25 is owed but you paid 100. You start month 6 at 125 in the hole. If this is your situation, because the note deficiency keeps growing, eventually someone will call the matter.... Read More

This would be treated as a civil matter. Breech of your contract is not a criminal matter. If you have been contacted by mail or telephone or on the doorstep by someone saying you are going to be arrested or they are going to get a warrant on you, that is most likely a bottom feeding muck churning third tier collector outfit using tactics that hang over the edge of the line or cross the line of permissible conduct. If someone left a message with a generic though ominous statement about papers being filed at the courthouse, well, sure, papers are filed at courthouses every day. Most likely they let your brain add in the thought that you specifically had papers filed today (which is not what they say.) For what it is worth, most people do not beat around the bush if they are filing a suit. They either day it outright, or they do not say it in advance. If you had a contract originally, it is not too late for you to be sued by the original creditor or someone who has bought up the debt. But the notion of being arrested or going to prison, that's puffery. If you would care to discuss this further, many counsel, including myself, will provide a free initial consultation.... Read More

This is a very good question. Your spouses filing of bankruptcy will not affect your credit whatsoever, even if you have shared debt and or bank accounts. The bankruptcy will only go against your spouse and will not affect your credit or debts whatsoever. If you do have joint debt, it will just remove your spouses obligation to pay those debts after your spouse receive a bankruptcy discharge. To make things completely clear, your credit will not be affected whatsoever from a spouse filing bankruptcy, while you do not file. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147 #bankruptcy  #lawyer  #FallRiver  #Chapter7  #chapter13  #debt  #debtsettlement  #foreclosure  #attorney   #cantpaybills  #lawsuit  #court  #bankruptcycourt  #eviction  #lostmyjob... Read More

The relationship between the retail chain and its contractor is going to be governed by the written agreement between the parties. If a contractor believes the retailer has violated the terms of the agreement, and believes the contractor can prove this via competent admissible evidence, then the contractor can seek any legal remedy available to the contractor. As the retailer is not a small mom and pop operation, the contractor would be wise to proceed only with the assistance of experienced counsel.... Read More