Cramer Law Firm

03/23/2020

Hi everyone, with so much uncertainty about the near future and people losing work temporarily, I thought it might be a good idea to get some information out there. Today’s topic is collection calls and letters:

Comanche county courthouse is closed. What does this mean to you, nobody can sue you! A phone call and letter from a creditor means nothing. Collection agencies are notoriously bad about saying all kinds of crazy stuff to get you to pay them. For instance you aren’t going to jail if you haven’t paid your bill to them. A lawsuit is first step for the creditor to get your money or other assets from you. A judgement is what allows a creditor to garnish your wages every pay period or bank account one garnishment at a time. If the creditor doesn’t already have a judgement and garnishment in place they can’t get a lawsuit filed and get a judgement because the courthouse is closed. The One big exception to this is your car, car creditors can repossess your car with out court order because you agreed to that in your contract to finance it and they have lien against it. Another exception is military star. So right now it is not the time to worry about those collection calls.

01/03/2019

The Cramer law firm will be closed January 4th, 2019 due to inclement weather.

01/01/2019

Happy new year!

11/06/2015

A sophisticated phone scam is targeting bankruptcy filers in several states, using personal information from filings and posing as attorneys to get intended victims to immediately wire money to satisfy a debt. Even going so far as the Caller ID show that it is the attorney calling. Typically the calls come late in the evening or during nonbusiness hours to make it difficult for intended victims to verify the call by contacting their attorney. If you receive one of these, hang up! Do not give any personal or financial account information to the caller and call us next business day.

This is good advice for any calls / e-mails received. Do not give out any personal information.

11/27/2014

Wishing everyone a Happy Thanksgiving.

11/11/2014

Thank you for your service.

10/30/2014

Changes to divorce law are now making it more difficult for some couples to get a divorce in Oklahoma.

07/27/2014

Read this about USA Discounters. Call us for a free consultation if you are having problems.

USA Discounters’ easy lending practices sometimes lead of court-sanctioned debt collection.

05/26/2014

Thank you.

04/23/2014

Nasty Surprise Awaits Some Student Borrowers
According to a report, individuals with privately issued student loans that needed a co-signer, face full repayment if the co-signer dies or files for bankruptcy. Did you read all of the terms of your loans?

http://www.usatoday.com/story/money/personalfinance/2014/04/22/student-loans-auto-defaults-cfpb-report/7966177/

Borrowers who get privately-issued student loans discover that some lenders seek immediate repayment in full if a co-signer dies or files for bankruptcy, a federal report said Tuesday.

03/25/2014

Carrying a heavy load? Call us for a free first appointment to discuss what options may be available to you. Located in Lawton - 248-3099.

03/25/2014

Are you worried about losing your home? Call us for a free first appointment to discuss what options may be available to you. Sleep better tonight.