Debt Defense and Debt Collection Harassment
Areas of Debt Defense and Collection Harassment
If you’re being threatened, harassed, or sued over a debt, you are not alone. At Oklahoma Consumer Law Firm, we represent individuals who are facing unfair debt collection tactics, including lawsuits over debts they don’t owe, repossessions without warning, and aggressive attempts to collect money that may not even be legally recoverable.
Debt collectors and creditors often count on fear, confusion, and silence to get what they want. They rely on consumers not knowing their rights or how to respond to court papers, default notices, or wage garnishment threats. Some sue without proper documentation. Others keep calling after being told to stop. We don’t let those tactics go unchecked.
We step in quickly to protect our clients — reviewing the claims, demanding evidence, and fighting back when the debt is invalid, unverified, or past the legal time limit for collection. In many cases, we’re able to stop the harassment, negotiate fair outcomes, or even get the lawsuit thrown out entirely.
If you’re facing debt-related threats, you have rights, and you don’t have to face this alone.
Let us stand between you and the collector, and fight for your peace of mind.
Repossession Defense
Was your vehicle repossessed? We can help.
If your car was repossessed without proper notice or through aggressive, unlawful tactics, you may have a claim. We challenge improper repossessions and fight to protect your property and your rights.
Illegal practices under car repossession laws in Oklahoma include:
- Breaching the peace
- Making threats of violence
- Harassment
- Breaking the agreed upon contract
- Attempting to collect repossession fees that are not authorized or without filing a Discretionary Notice
- Improper/late filing of a required Notice of Sale or Post-Sale Accountings
- Selling the vehicle before the required 10-day window that the buyer has a chance to redeem
- Dealership’s failure to provide the title in a timely manner.
Let us help you assert your rights during the challenging time of defending yourself against dealerships and lenders.
Credit Card Debt Defense
Are you being sued for credit card debt? You are not alone, and you have options.
Credit card lawsuits are often filed with little documentation and inflated balances. Many consumers don’t realize they can fight back. We defend clients across Oklahoma who are being pursued by banks, debt buyers, and collectors trying to collect debts they may not be able to prove.
Common issues in credit and debt lawsuits include:
- Suing without providing a signed agreement or full account history.
- Adding excessive interest, fees, and penalties not authorized by law.
- Collecting on debts that are past the statute of limitations.
- Filing lawsuits in courts far from where the consumer lives.
- Using electronically signed or incomplete affidavits as “proof” of debt.
We refuse to let financial institutions, debt buyers, and collectors prey on vulnerable individuals. We are committed to fighting back against unfair practices, protecting consumers from financial exploitation, and ensuring that every case is scrutinized for potential violations of consumer protection laws.
Let us advocate for your rights, and help you regain control of your financial future.
Medical Debt Collection Defense
Drowning in medical bills?
Let us help you breathe again.
Unexpected medical expenses can overwhelm even the most financially stable families. Unfortunately, billing errors, overcharges, and aggressive collection tactics are far too common in Oklahoma. At Oklahoma Consumer Law Firm, we work with clients to challenge unfair bills and stop harassment by collectors.
The medical and insurance system is broken. Insurance companies, hospitals, doctors, and medical debt collectors all take part in a process that can result in medical billing errors, surprise out-of-network charges, and inflated hospital bills can devastate families. We help uncover hidden overcharges and fight unlawful collection practices.
You may have a legal defense to medical debt if:
- You were billed for out-of-network services at an in-network hospital.
- You were charged for services you never received. A tactic known as “phantom billing.”
- Your bills contain duplicate charges or inflated line items.
- Collectors are threatening legal action or damaging your credit.
- You received no explanation of benefits or an accurate breakdown of costs.
Medical care shouldn’t lead to financial ruin. Let us help protect your rights — and your peace of mind.
Debt Collection Harassment
Being harassed by a debt collector?
We are here to stop it.
At Oklahoma Consumer Law Firm, we specialize in putting an end to debt collection harassment using the full force of the federal Fair Debt Collection Practices Act. (FDCPA). Debt collectors must follow strict rules. We use FDCPA and Oklahoma law to stop harassing calls, false threats, and illegal communication tactics, and we may be able to recover damages on your behalf.
Examples of unlawful debt collection practices include:
- Calling you repeatedly, including before 8 a.m. or after 9 p.m.
- Contacting your family, friends, or employer about the debt.
- Using threatening, abusive, or misleading language.
- Attempting to collect amounts not actually owed.
- Failing to stop communication after a written request.
You do not have to put up with harassment. We will advocate for your rights and pursue damages against the collector.
Here are some tips for fighting back against debt collection harassment:
- Know Your Rights: The FDCPA protects consumers from harmful collection behavior.
- Prohibited Behavior: Debt collectors may not disclose your debts to unauthorized parties, and they are prohibited from using threatening language.
- Keep a Paper Trail: If you are being harassed by a debt collector, documenting their calls and correspondence is key.
From keeping meticulous logs of evidence against debt collectors, negotiating settlements for pennies on the dollar, and challenging unfair practices in court, we are your allies in the fight against debt collector harassment.
Private Student Loan Defense
Are you facing legal action over a private student loan?
We can help you reclaim your financial future.
At Oklahoma Consumer Law Firm, we are keenly aware that Oklahomans today are facing crippling debt due to student loans. We understand the profound impact that overwhelming student loan debt can have on individuals and families.
Unlike federal loans, private student loans are often handled by debt buyers and collection agencies. We defend borrowers sued over these debts, challenge abusive practices, and help explore all legal options for relief.
Red flags and common violations in private student loan collection:
- Lawsuits filed without the original loan documents or proof of ownership.
- Attempts to collect on discharged or unenforceable loans.
- Misrepresenting the terms or consequences of the loan.
- Suing in a venue that’s inconvenient or improper.
- Failing to notify the borrower of default or collection rights.
Contact us to explore your legal options to dispute your loans or defend yourself if you are being sued. Whether you're struggling with the complexities of loan terms, facing aggressive collection actions, or dealing with the anxiety of potential litigation, our experienced legal team is here to support you every step of the way.