HWH Blog

What you need to know the dealer tells you to bring back your vehicle. Know your rights when the car dealer says you need to sign more paperwork.

New Mexico Used and New Vehicle Service and Extended Service Contracts and your rights explained.

What you need to know and do If your mortgage loan servicer has granted you a Pandemic mortgage loan forbearance, It's time to take a look at where you stand. What may have been the only silver lining for your finances during the pandemic is coming to an end. The longest mortgage loan forbeara...

Know your rights when you buy a vehicle in New Mexico and dealer tries to take the car back. What you should do when the dealer says "financing fell through" or that you need to come back and resign more papers

Credit Health in the Pandemic reveals no decline in racial disparity. Credit Scores. Errors in Credit Reports and Debt Collection.

Helpful tips about how to buy a vehicle in New Mexico, what questions to ask, advice about your power before you sign any papers and what to do if you think the dealer lied.

My car was repossessed. What can I do after my car was repossessed? What to do if your vehicle was repossessed by mistake or in error.

When you buy a used vehicle, you should insist on seeing the actual certificate of title for that vehicle before you agree to sign anything. We explain why you should ask to see the title, what you should look at when you inspect the title. We also explain the differences and meaning of a green, orange, red, yellow. blue and purple title. You will also learn when and how you can rely on a Car Fax or Auto Check Report and why it is not a substitute for the actual certified title history of a used vehicle.

You may have lost your job during this lockdown. Your creditors may look to take advantage of your financial distress. We offer several tips to protect yourself and your family during this pandemic.

"Let go", "furloughed", "cut back", or just plain "fired." All these phrases are being used to describe the jobs lost due to wild adjustments being made by business, big and small, in response to the latest news about the coronavirus impact on our service based economy. Particularly hard hit are restaurants, bars and retail business shutdown by government mandate or customers staying home. This blog offers consumer protection tips for workers who have lost their job.

Watch this very short video for consumer protection tips for service workers who have lost their job or had a reduction income.

Car dealers sell previously wrecked vehicles without telling buyers. 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...