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