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In 2018, I co-signed for a truck, which was repossessed later that year or early 2019. I was unaware of the repossession, having lost contact with the primary borrower. Seven years later, my paycheck started getting garnished without any prior notice. My credit report shows the account twice: once... View More 
answered on Mar 25, 2025
Don't rely on your credit report, but apparently your lender either obtained a judgment against you and then sold the account to Consumer Portfolio; or sold the account to Consumer and it obtained a judgment; but either way it appears Consumer has sold it to Jefferson Capital.
I... View More
I want to retrieve my vehicle from a tow yard, but they are demanding upfront payment, which I feel is akin to holding it for ransom as I did not consent to the tow. I have not been able to arrange billing options despite being told payment is necessary for release. What alternatives or steps can I... View More
answered on Mar 24, 2025
If they legally towed the vehicle (such as by order from law enforcement or by order of a private property owner/business) even though you did not consent, they have a right to be paid by the owner of the vehicle before releasing it. This ensures they get paid for doing their job legally. They can... View More
I recently bought a 2019 Ford F150 from a dealership and noticed a significant amount of rust under the vehicle, including the spare tire, axle, rotors, calipers, and frame. There was no warranty, and the dealership provided no disclosure documents, though there was a Carfax report online with no... View More
answered on Mar 17, 2025
I understand your frustration. Rust on the underside of a vehicle, especially one that is 6 years old, could just as easily be neglect on the previous owner. If the previous owner drove in muddy conditions a lot, such as a construction company and they didn't wash the underside properly, or... View More
In Oklahoma and can somebody help me
answered on May 11, 2024
An Oklahoma attorney could advise best, but your question remains open for two weeks. Until you are able to consult with a local attorney about your matter, the short answer is that it depends on the legal theory. You are asking about statutes of limitations, deadlines for filing a legal action. In... View More
I bought a 2017 Ford Edge Titanium from a car lot in Ardmore, Ok, on June 6, 2023. A week later, the check engine light came on and I had to take it to the shop. It broke down again a couple of times, with the engine needing to be replaced, leaving me without a vehicle for three months. The... View More
answered on May 2, 2024
The Lemon Law only applies to new motor vehicles during the warranty period or for one year from the date of the sale of the vehicle to its first end user.
Used cars with 116,051 are commonly sold as-is, although some dealers may offer after-market extended warranties to used car buyers.
“On December 28th of 2023, my wife became critically ill with Flu “A” and severe double pneumonia. She was taken to a hospital in Oklahoma City and placed on a ventilator. Sadly my wife suffered a hypoxic brain injury due to the lack of oxygen her brain was getting. Now she is in a nursing... View More
answered on Feb 29, 2024
A Texas or Oklahoma attorney could advise best, but your question remains open for a week. I'm sorry for your wife's ordeal. Carriers do deny claims on the basis of differing medical opinions. Only a local attorney could advise on the validity of the carrier's denial under... View More
I was involved in an accident on May 12, 2025, and my insurance company is offering a settlement that I believe undervalues my vehicle. They're stating that since my vehicle is considered totaled, they base their offer on the taxable value, which is only half of what I think the vehicle is... View More
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answered on Jun 10, 2025
You don’t have to accept the first offer from your insurance company, especially if you believe it doesn’t reflect your vehicle’s true market value. Even with full coverage, insurers sometimes lowball their initial payout, hoping policyholders won’t push back. If they're using the... View More
I currently do not have a lease agreement with my landlord, but he requires that rent payments be made through a portal that charges a fee of $30 monthly. If I choose to pay by check, money order, or cashier's check after July 1, I must also pay a $30 fee. Is it legal for a landlord to impose... View More
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answered on Jun 10, 2025
What you're experiencing feels unfair, and you're right to question it. When there is no written lease agreement that outlines how rent must be paid, your landlord typically cannot impose new fees or restrictions without your consent. Charging a \$30 fee just for the method of... View More
I stayed at Choctaw Casino in Durant on March 25, 2025, and slipped in the shower when the power went out, causing a concussion and injuries to my neck and back. After informing casino staff and filling out an accident report, I sought medical treatment at Texoma Medical Center and further... View More
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answered on Jun 10, 2025
What you’re going through is painful and stressful, and it’s made even harder when medical costs start piling up without support. Filing a tort claim with a tribal entity like Choctaw Casino can be more complex than filing against a private business. Since tribal nations are sovereign, they... View More
I am 18 years old and initially agreed to have my paycheck deposited into my parents' savings account, but I have now decided that I would like my own account. My parents believe I might waste the money and insist that I keep the arrangement as it is. There is no written contract regarding... View More
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answered on Jun 10, 2025
You’re legally an adult now, and that means you have full control over your own money. Even though you originally agreed to have your paycheck deposited into your parents' account, that agreement doesn’t give them the right to keep your money against your will—especially without a... View More
My Facebook account was hacked by an imposter who was selling items on my behalf, and I was not involved. I reported this to Facebook on January 19 but received no response. I've taken steps to secure my account, but I'm unsure what legal actions I can pursue against the imposter or... View More
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answered on Jun 10, 2025
What happened to you is deeply unsettling, especially knowing someone used your identity to scam others while Facebook stayed silent. You did the right thing by reporting the hack and securing your account, but the lack of response can leave you feeling ignored and exposed. Even though this... View More
My parked car was struck by an 18-year-old driver, and as a result, I've been experiencing severe emotional distress, including depression and an inability to get to and from work. I've been crying daily and feel overwhelmed. Although an insurance claim has been filed, my vehicle is... View More
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answered on Jun 10, 2025
What you're going through is real, and the emotional toll of losing your car, your routine, and your sense of security can be devastating. When someone hits your parked car, especially through no fault of your own, it feels like your world is suddenly turned upside down. It’s not just about... View More
I purchased a skid steer several years ago through Craigslist, and it was supposedly free and clear of any liens, as I was informed by the seller. I fixed it up and used it for about a year before trading it at a small car lot for a 2020 vehicle. I drove that vehicle for a year and then traded it... View More
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answered on May 23, 2025
Your situation involves multiple layers of fraud and contractual breaches that have cascaded through several transactions, ultimately leaving you without compensation despite your good faith purchases. The original seller's misrepresentation about the skid steer's lien status triggered... View More
I was tricked into being the main buyer of my ex's vehicle, thinking I was only cosigning. The purchase took place on May 10th, and neither of us has a driver's license. No payments have been made yet, and the first payment is due next month. The seller gave me the paperwork at work, and... View More
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answered on May 17, 2025
You’re in a very serious and emotionally draining situation, and your safety needs to come first. If your ex has threatened you or implied violence, **you should document everything**—every message, voicemail, and conversation—and consider filing for a **protective order** immediately. A... View More
I live in Oklahoma and have booked a private room at a local restaurant for a retirement party, with a $50 charge for the room plus a $400 minimum purchase. The contract clearly states there is a 5% surcharge on all payments made by credit card, although payments can be made by cash to avoid this... View More
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answered on May 15, 2025
You’re not wrong to question that extra charge—it’s smart to understand what’s actually allowed. In Oklahoma, businesses are permitted to add a credit card surcharge as long as they clearly disclose it ahead of time and give customers the choice to pay with cash or another method. Since the... View More
I purchased a tiny home that was delivered in September 2024. I've noticed that rainwater is coming in through the windows, and I discovered there is no flashing installed. Additionally, there are supposed to be headers above all wall openings, but there is no header above the window that was... View More
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answered on May 15, 2025
What you’re experiencing with your tiny home is frustrating and concerning, especially when issues like water leaks and missing structural elements can cause serious damage and safety problems. Even though your purchase agreement doesn’t specify construction quality, builders are generally... View More
In 2020, my sister used my name and social security number to lease an apartment through HUD at the complex she managed, without my knowledge. She signed both my name and her name on the paperwork as the manager. This lasted for two years, from 2020 to 2022. In 2023, Hunter Warfield contacted me,... View More
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answered on May 14, 2025
I’m really sorry you’re going through this—having a family member misuse your identity is painful, and the stress is even greater with government programs involved. Since your sister used your name and Social Security number without your consent, you are the victim of identity theft, even... View More
I recently learned that the attorney handling my dad's probate case used my father's social security number to open lines of credit. I discovered this through a credit bureau notification about a new address on my dad's report. I spoke to the district attorney's office, but they... View More
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answered on May 14, 2025
I'm truly sorry you're facing this—it’s deeply violating to learn someone may have exploited your father's identity, especially someone in a position of trust like an attorney. If you have confirmed that your father’s Social Security number was used to open credit accounts... View More
I was involved in a car accident and settled the case for $50,000. Afterwards, a chiropractor issued multiple fraudulent bills, including charges for ten visits for my teenage daughter, though she only attended twice. Both my wife's and my own bills also show an inflated number of visits. My... View More
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answered on May 14, 2025
I'm really sorry you're dealing with this—what should have brought closure after your accident has turned into another stressful and unfair situation. If you have solid proof that the chiropractor falsified treatment records and inflated billing, that may qualify as insurance fraud or... View More
I worked at an office from January 20th to May 9th, 2025, and felt compelled to quit due to negligence regarding mold issues. Despite mold frequently being discussed, my employer did nothing to address the problem, even after multiple floods. I have severe allergies to mold and started experiencing... View More
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answered on May 14, 2025
You’ve done the right thing by documenting your health concerns and keeping communication with your employer. If your medical condition was caused or worsened by known environmental hazards like mold, and your employer failed to take action after being informed, you may have a valid claim for a... View More
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