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    A judgment can remain in effect for a significant period under Oklahoma law and can often be renewed. It’s best to address a judgment as soon as possible to avoid potential actions like wage garnishment or bank levies. The sooner you seek assistance, the more options may be available to you for reaching a settlement.

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We help business funding originators close more deals

  • You are referring to the Kramer Law Firm

  • Aggressive legal representation to resolve issues stopping business loan funding

  • Open, transparent process

  • Often faster than traditional credit repair that disputes at the credit bureaus.

Debt Settlement Quick

We will help clients settle their debt, ideally for a deletion or removal from the credit report. Often because of our relationships with creditors we are able to achieve results others can not.  Clients are  hiring us for speed, efficiency, and results.

What we do:

  • We set the appropriate expectation with the client letting them know anticipated settlement amount and our cost.
  • We contact the creditor or debt collector directly
  • We negotiate the best deal to be had given time frame and circumstances
  • We follow-up with client to make sure payment is received.
  • Obtain paid letters and deletion letters to give to client and you.

  • Usually less than 30 day turn time

  • Often receive deletions / removal from credit report

  • We DO NOT charge a percentage of savings

  • Clients pay creditors directly

  • Flat Fee pricing with payment plans

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Judgment Settlement / Lien Release

We will help a client with their judgment. They can either settle or try to Vacate the Judgment. Some  states may allow for more options.

What we do:

  • We set the appropriate expectation with the client.
  • We contact the Plaintiff’s attorney or settlement company.
  • We negotiate the best deal to be had given time frame / circumstances OR we fight the lawsuit in court.
  • We write a professional hardship package on the clients behalf that often gets better results.
  • If the client settles ,we follow-up with client to make payment to creditor’s law firm.
  • Obtain paid letters, release of judgments, or  deletion letters to give to client.
  • Because we know the law firms and company and have done this thousands of times before, we often can do it faster.

  • Flat fees with convenient payment plans.

  • No hourly fees

  • We know how and have the relationships to achieve fast results.

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Debt Lawsuit Defense

We will help a client with their lawsuit filed by a debt buyer or creditor. They can either settle or fight the lawsuit depending on their budget and goals.

What we do:

  • We set the appropriate expectation with the client.
  • We contact the Plaintiff’s attorney
  • We negotiate the best deal to be had given time frame / circumstances OR we fight the lawsuit in court.
  • If the client settles ,we follow-up with client to make payment to creditor’s law firm.
  • Obtain paid letters, release of judgments, or  deletion letters to give to client.

  • No Hourly Fees. Easy Payment Plans.

  • We have handled thousands of debt related lawsuits

  • Goal Oriented to help clients achieve their goals.

  • We set appropriate expectations for clients

  • When a consumer wrongly blames the CRO for them getting sued, we help realign responsibility.

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FDCPA / FCRA Lawsuits

We help clients enforce their FDCPA / FCRA rights. After reviewing the documentation and challenge history, we will:

First, write the CRA, debt collector, or creditor a demand letter to see if we can resolve the client’s issues quickly. Often we can achieve the client’s objective in less than 45 days allowing them to move on.

Second, if the response from initial demand letter does not provide the results the client desires we can file a lawsuit to try to bring about a more equitable resolution for the client.

  • E8 – Not Communicating a consumer dispute

  • CC – Continued Collection after refusal to pay

  • NR – Not responding in time allowed

  • IN – Incorrect interest being charged or not allowed.

  • MM –  Demand letter and documentation do not match.

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Do you work in or have clients from

California  |  Texas  |  Louisiana  |  Florida  |  New York  |  New Jersey

Sued by Discover Bank?

  • Put our knowledge and experience to work for you

  • Let our attorneys guide you to a better outcome

  • We work hard for you

  • You may not have to settle with a Bill of Review / Vacate of Judgment

  • No Hourly Fees. Easy Payment Plans.

Why did Discover Bank file a lawsuit against me?

Discover Bank sues consumers that default on balances that they lent.  They want their money back.  They are counting on the fact that you will not respond or show up to court. If you do not then they may take a default judgment against you. In Oklahoma, a judgment can be aggressively collected for ten (10) years and even longer if they keep renewing the judgment. This gives Discover Bank a long time in which to come after you. Many consumers think that a judgment is just a worthless piece of paper. They think that they can not be forced to pay a judgment in Oklahoma. They are wrong.

Discover Bank, after they take a judgment against you, can

  • Go after your paycheck taking a potion of it until paid in full. Learn more about Oklahoma Wage Garnishment
  • Freeze and take money from your bank accounts. Learn more about Oklahoma Bank Levy
  • Hinder they sale of your property until a settlement is made. Learn more about Oklahoma Judgment Settlement
  • Force the sale of unprotected assets like a home, cars, jewelry.

What are my options when being sued by Discover Bank?

If you have been sued then you need to answer the lawsuit. Participants in the system often have a better outcome than those that do nothing. Some of the options that you have are to:

    • Attempt to Negotiate a settlement with Discover Bank before the answer is due. Many consumers recognize they may owe a debt and choose to attempt to settle the debt before an answer is due to the court. Discover Bank is often receptive to a quick settlement rather than spending more time and money in a lawsuit. Even if they can provide some of the documentation to the court, there is always a chance they could lose.
    • Answer the Lawsuit filed by Discover Bank. Even if a consumer thinks they owe a debt it is still up to Discover Bank to prove that they own the debt, have the right to file suit, and have enough documentation to prove a debt is owed. They may not be able to successfully produce all required documentation when challenged.
    • Do nothing. Many people decide to do nothing for lack of funds or fear of what can happen. Discover Bank may take a judgment against them and then ultimately have their bank accounts frozen (bank garnishment). Judgments in Oklahoma are good for 10 years initially and they carry a minimum interest of 10%. The amount of an unresolved judgment can significantly increase over time.
    • Seek bankruptcy protection. Our law firm does help clients file bankruptcy. If you are interested in seeing if bankruptcy is right for you visit our site Oklahoma Bankruptcy Attorney

The best time to take care of a lawsuit is NOW. It can potentially get more costly and worse.

Cost to Settle Discover Bank Lawsuit

$3,000 or less

$45000flat fee
  • (up to 2 payments)
  • Settle the Lawsuit before Answer is Due
Hire us Now!

$3,000 to $10,000

$65000flat fee
  • (up to 3 payments)
  • Settle the Lawsuit before Answer is Due
Hire us Now!

$10,000 to $25,000

$95000flat fee
  • (up to 8 payments)
  • Settle the Lawsuit before Answer is Due
Hire us Now!

$25,000+

$1,50000flat fee
  • (up to 10 payments)
  • Settle the Lawsuit before Answer is Due
Hire us Now!

Cost to Answer and Fight a Discover Bank Lawsuit

$3,000 or less

$95000flat fee
  • (up to 2 payments)
  • Answer the Lawsuit & Fight
Hire us Now!

$3,000 to $10,000

$1,25000flat fee
  • (up to 5 payments)
  • Answer the Lawsuit & Fight
Hire us Now!

$10,000 to $25,000

$1,75000flat fee
  • (up to 10 payments)
  • Answer the Lawsuit & Fight
Hire us Now!

$25,000+

$2,50000+flat fee
  • (up to 10 payments)
  • Answer the Lawsuit & Fight
Hire us Now!

What happens if I do not answer the lawsuit?

Many choose not to answer a Discover Bank lawsuit. In that case, a defendant (you) can expect to:

    • Possibly lose the court case.
    • Receive a default judgment In Oklahoma judgments automatically are good for 20 years. They can renew the judgment and it can stay in public records for a long time. A judgment can prevent you from purchasing homes and cars and an employer may deny employment. Judgments do keep increasing in value. They carry a state minimum interest rate that judgment creditors often calculate.
    • Garnish bank accounts A judgment creditor may be able to garnish your bank account and take the money you do keep in it. Many are forced into closing their bank accounts and converting all payments to cash.
    • Possibly be denied loans and employment A judgment can prevent you from purchasing homes and cars and an employer may deny employment.

(918) 871-2000

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