Car dealers sell undisclosed previously wrecked vehicles. Sometimes these previously wrecked cars can be dangerous or cause great financial and emotional stress. A previously wrecked car can wreck your life. Here is one way to protect yourself next time you are looking to purchase a vehicle.
After you buy a new or used vehicle from a dealership or a private seller, sometimes the thrill of a new car or truck wears off too quickly. You may just be feeling a little “buyer's remorse,” or it might be something much worse. It could be a nagging sense that you've been had. Some of the red ...
Trial Lawyer Podcast Appearance On August 10th, David Humphreys joined Scott Glovsky to talk about about past experiences. “In this episode Scott talks to David Humphreys, a trial lawyer who practices in New Mexico and Oklahoma and specializes in suing financial institutions that lie, cheat and...
Best Buy began notifying consumers this week of an update to its terms and conditions for membership in its My Best Buy program. If you purchase any Best Buy product, regardless of whether it is a large ticket item like a new TV or some trinket at the checkout counter, you will lose your right t...
The mortgage servicing giant, Bank of America, was recently sued for the second time by the same homeowners for false credit reporting. The federal judge presiding over the case recently denied the Bank's motion to kick the case out of court. Bank of America is no stranger to private consumer l...
Are you one of those Wells Fargo customers who had their lives turned upside down when Wells Fargo wrongfully repo'ed your vehicle several years ago? Did Wells Fargo force you to pay hundreds if not thousands of dollars to just get your vehicle back after it fraudulently repossessed it, in part ...
Its headed to us under the new Debt Collection Rule proposed by the CFPB Abusive debt collection practices run rampant nationwide. Oklahoma consumers have filed more than 5000 complaints about debt collection practices with state and federal regulators since 2008. The Consumer Financial Protecti...
We recently posted a video about HWH Law shot by a production team out of Santa Fe, New Mexico. They gave us this feedback: Guest Blog post
We'd like to share a video and tell you more about ourselves and our practice
It's a familiar story for all too many Americans. You struggle with debt and debt collectors daily. You don't want to file bankruptcy and are looking for alternatives when you come across an advertisement online for a “debt settlement” company… It can't hurt to reach out and see what they could...
Help! What is “out of network” and why is my Health Insurance Company not paying all of my medical bills? On an average day, a patient pays a visit to their doctor with standard cold and flu symptoms. The doctor orders a chest x-ray, calls a radiologist to take a look, and it turns out that ever...
Security Finance and its affiliates have a track record of trouble with the law. In one case handled by Humphreys Wallace Humphreys, we established Security Finance affiliates engaged in a loan flipping scheme, trapping customers in debt. In that case, Security Finance did not tell their customer...
Most people know about Carfax and use it or AutoCheck before they buy a vehicle. Neither report is any guarantee that your vehicle has not been in a serious wreck. Did you know that neither AutoCheck nor Carfax does anything to actually investigate the collision history of your vehicle? They simp...
What you need to know and do if your GAP coverage claim is delayed or denied If your GAP claim is denied, contact us for a Free Case Review. When buying a new or used car or truck, so much information and so many choices are presented to you. First, you have to decide on the vehicle and all its...
You should have a healthy dose of skepticism and concern if your monthly mortgage statement includes a line item charge for a “Corporate Advance.” While the phrase sounds innocent enough, it is not. What you do not realize is that this phrase “Corporate Advances” may cost you your home. What ...
CFPB opponents trying to use the spending bill to put the agency's budget under congressional appropriations must be stopped. https://www.americanbanker.com/opinion/congress-should-not-hold-cfpb-hostage-in-budget-talks
A true crime story designed by Corrective Education Company This holiday season, despite the success of Amazon, big retailers like Wal-Mart are packed. And Wal-Mart is on high alert for shoplifters… When the poor, the desperate, or even the occasional thrill seeker shoplifts, “asset protection”...
It can feel like you have nowhere to turn when a bank threatens to foreclose on your home. Often, your lender has a vested interest in seeing you fail, but despite their worst intentions, you can take action to stop predatory mortgage loan servicers from stealing your home. But when you are unabl...
A federal statute called the Fair Debt Collection Practices Act (“FDCPA)”, 15 U.S.C. § 1692k, protects consumers in the case of debt collection. This strict liability statute applies to those “who regularly collect or attempt to collect debts owed or due another,” putting restrictions on those co...
You've just purchased property through a realtor you trust, having read everything carefully. You can still feel the excitement of new home ownership, as you go through the process of getting everything moved in and ready to start a new part of your life. You're ready to start making your payment...
Congratulations! You passed all of the TSA testing and we are conditionally offering you a job with the TSA with all of its benefits. The final step is a review of your credit history. This was great news because it offered a much-needed job during a tough financial stretch in Oklahoma. The ex...
More than 500,000 customers scammed for unneeded auto insurance Imagine a small town in Oklahoma (pop. 20,000- Ada, Anadarko, Chickasha, Lawton, Guthrie, Enid, for example) waking up on Sunday morning to discover all of their cars have disappeared. It's hard to imagine, right? That couldn't h...
Attorney David Humphreys, partner in Humphreys Wallace Humphreys, P.C. law firm, was interviewed by Tulsa World columnist Ginnie Graham for her story on the recent announcement by the Consumer Financial Protection Bureau (CFPB) concerning the widespread use of arbitration clauses in financial pro...
Homeowners in Northern California have filed a lawsuit against Nationstar Mortgage LLC for demanding erroneous monthly payment amounts, misapplying payments, wrongful collections, and false credit reporting. These homeowners had an adjustable rate mortgage (“ARM”), and Nationstar sent these homeo...
A Chapter 13 bankruptcy is a chance to start over. After falling behind on financial commitments, this type of bankruptcy can be used to save your home after being hit with unexpected expenses or a loss of income. At the end of a Chapter 13 Bankruptcy, the participant exits current on their home ...