Ask a Question

Get free answers to your Consumer Law legal questions from lawyers in your area.

Lawyers, increase your visibility by answering questions and getting points. Answer Questions
Oklahoma Consumer Law Questions & Answers
2 Answers | Asked in Collections, Civil Litigation and Consumer Law for Oklahoma on
Q: Why is my paycheck being garnished for a repossessed truck after 7 years?

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

Barry W. Kaufman
Barry W. Kaufman
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

View More Answers

2 Answers | Asked in Consumer Law and Landlord - Tenant for Oklahoma on
Q: How can I retrieve my towed vehicle without upfront payment if I didn't consent to the tow?

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

Charles Watts
Charles Watts
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

View More Answers

2 Answers | Asked in Consumer Law and Lemon Law for Oklahoma on
Q: Bought Ford F150, noticed rust under vehicle. No warranty, dealership silence. Options?

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

Charles Watts
Charles Watts
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

View More Answers

1 Answer | Asked in Consumer Law and Contracts for Oklahoma on
Q: How long do you have to sue a company

In Oklahoma and can somebody help me

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Lemon Law and Consumer Law for Oklahoma on
Q: What can I legally do about a lemon car?

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

John Michael Frick
John Michael Frick
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.

1 Answer | Asked in Insurance Bad Faith, Consumer Law and Personal Injury for Oklahoma on
Q: Is a supplemental medical Insurance company allowed to overrule “multiple doctors” severity of diagnosis determination?

“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

Tim Akpinar
Tim Akpinar
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

1 Answer | Asked in Consumer Law, Criminal Law, Contracts and Domestic Violence for Oklahoma on
Q: Tricked into being primary buyer of ex's vehicle. Can I resolve title and loan issues?

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Consumer Law and Contracts for Oklahoma on
Q: Is a restaurant's 5% credit card surcharge legal in Oklahoma for a retirement party?

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Construction Law, Consumer Law, Personal Injury and Real Estate Law for Oklahoma on
Q: Substandard tiny home construction with water leaks and missing headers in Oklahoma.

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

Q: My sister forged my identity for a HUD lease; how do I resolve this?

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Legal Malpractice, Identity Theft, Probate and Consumer Law for Oklahoma on
Q: Recourse for attorney using SSN for credit fraud in father's probate case?

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Car Accidents, Civil Litigation, Consumer Law, Legal Malpractice and Personal Injury for Oklahoma on
Q: Address fraudulent chiropractor bills post-accident settlement.

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Employment Law, Personal Injury and Consumer Law for Oklahoma on
Q: What can I do about quitting due to office mold negligence and paystub refusal?

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

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
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

1 Answer | Asked in Banking, Consumer Law and Civil Litigation for Oklahoma on
Q: Car repossession status despite full payment and title issues with bank

I financed a car through a bank and fell behind on payments. They declared the car in repossession status and said I needed to pay the full amount of $7,192, which I did on March 7, 2025, with documentation to prove it. I was promised the title but didn't receive it. Upon investigation, the... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 16, 2025

Start by sending the bank a written demand—certified mail—stating that you paid the full balance on March 7 and demanding release of the lien and delivery of the title within ten days. Attach copies of your payment receipt and the bank’s payoff quote. Make it clear that if they refuse, you... View More

1 Answer | Asked in Consumer Law and Contracts for Oklahoma on
Q: Options when dealership financing falls through and no deposit return.

I recently financed two cars from a dealership. The financing deal for one of the cars fell through, and the dealership informed me that the only options are to sign a new financing agreement at a much higher interest rate or return the vehicle without receiving my deposit back. The original deal... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 12, 2025

It sounds like you're facing a frustrating situation with the dealership. Here's how you can approach it:

**1. Review the Dealership’s Terms**: Take a close look at the terms of your original agreement, especially regarding the deposit. While many dealerships have a...
View More

1 Answer | Asked in Consumer Law and Contracts for Oklahoma on
Q: Can a dealership repossess my car if I don't pay the remaining down payment?

I initially paid a $2,000 down payment on a vehicle, but the dealer reported to the bank that I paid the full $4,000 down payment. The dealership asked me to pay the remaining $2,000 tomorrow but instructed me to tell the bank that I don't owe any remaining balance and not to mention that I... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 11, 2025

That sounds like a really uncomfortable and suspicious situation, especially if the dealership is asking you to hide information from the bank. If the signed agreement states that you already paid the full $4,000 down payment, then technically, the dealership may have limited legal ground to claim... View More

1 Answer | Asked in Consumer Law and Civil Litigation for Oklahoma on
Q: What can I do if Walmart discarded my important family photos and didn't notify me for pickup?

I sent disposable cameras with old family pictures that meant a lot to my family to a Walmart photo center in December to get them printed. Walmart sent the photos to Fuji Film Development. They were supposed to notify me when the photos were ready for pickup, but I never received any notification.... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 11, 2025

Losing irreplaceable family photos is heartbreaking, especially when it happens because someone else didn’t follow through. If Walmart confirmed they received the cameras and failed to notify you when the photos were ready, they may have breached a basic duty of care. You relied on them to... View More

1 Answer | Asked in Consumer Law, Civil Rights and Gaming for Oklahoma on
Q: is a cease and desist over discord "legally binding?"

i am asking because i created a google document (2-parted) exposing a large internet figure "Santino" Alias:22freshfrenchfries for defending known pedophiles and covering the evidence up.

they threw a cease-and-desist at me and my team as a last-ditch effort in shutting us up, we... View More

James L. Arrasmith
PREMIUM
James L. Arrasmith pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 7, 2025

A cease and desist letter sent over Discord is not automatically legally binding, but it can be a formal request for you to stop specific actions. It is essentially a warning, often used before taking legal action, such as filing a lawsuit. If you disregard it, the person sending it could decide to... View More

1 Answer | Asked in Consumer Law, Real Estate Law and Civil Litigation for Oklahoma on
Q: Unlawful car impoundment and auction in Oklahoma with no notification.

I found out my car was auctioned when I contacted local tow companies after it was unlawfully impounded in Oklahoma without any notification. The towing company refused to provide me with information about the auction. Everything I owned was in the car, and I have not received any compensation or... View More

Charles Watts
Charles Watts
answered on Feb 22, 2025

Contact an attorney to help you with this. Tow companies very rarely 'unlawfully' impound a vehicle, and therefore you will have to first prove that as the first step. Then after you prove that, then your next course of action will then develop. All these steps are beyond this forum.

1 Answer | Asked in Consumer Law, Contracts and Identity Theft for Oklahoma on
Q: how do i obtain my fathers documents that i havent recieved after his passing
Tim Akpinar
Tim Akpinar
answered on Dec 3, 2024

An Oklahoma attorney could advise best, but your question remains open for a month. I'm sorry about the loss of your father. One option could be to learn if there is an executor or an administrator. Attorneys in the "Probate" and "Estate Planning" categories here are... View More

Justia Ask A Lawyer is a forum for consumers to get free answers to basic legal questions. Any information sent through Justia Ask A Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between Justia and you, or between any attorney who receives your information or responds to your questions and you, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask A Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises, or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.