AboutCreditwrench Expertise Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.
Experience I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.
Education/Credentials Paralegal courses for the most part. I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.
Question Can a debt collector obtain my credit report and send me a letter statng they see I have a recent loan of 52,000, and have paid off some debt and have available credit of 704.00,and I should be able to pay these old doctor bills.I then called and they said they were putting a lean on my house for 1700.00. It seems to be an Attorneys office. I sent them a registered letter yesterday asking for proof of this debt to be paid to them, to prolong the threat of the lean, and stated all correspondence will be done in writing. One of the Bills I know is 4 years old, is there a statute in Oklahoma on doc. bills? Can I deal directly with the originator of this bill as well?
Statute of limitations in Oklahoma on doc bills is the same as it is for any other written agreement. Five years. Who sent you the letter and what makes you think it is from an attorney's office? Do they already have a judgment? If they don't they can't put a lien on your house or anything else. Sounds to me like they are breaking the law big time. Maybe you should be thinking about filing a federal lawsuit against them before they file a local lawsuit on you.
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