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Roland V. Combs III
About | Practice Areas
Roland V. Combs III & Associates PLC
4401 NW 4th St Suite 121 Oklahoma City, OK 73107» view map
Bankruptcy & Debt
Over 35 Years Of Experience

The Law Firm of Roland V. Combs III & Associates PLC knows how to ward off relentless debt collectors and get you back on track to a stable financial future.

800-827-4970
1. Roland Combs Oklahoma City, OK
  Attorney at Law - OK, 1985
  University of Oklahoma J.D. 1984
2. AboutRoland V. Combs III & Associates PLC
  Hundreds Counseled & Represented.
3. Practice AreasExpertise
  Bankruptcy & Debt
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Elizabeth Honeywell Gray

Contract, Credit & Debt, Real Estate, Workers' Compensation

Status: In Good Standing

FREE CONSULTATION

CONTACT

4101 Perimeter Center Drive, Oklahoma City, OK 73112

Kim A. Tran

Bankruptcy Litigation, Collection, Contract, Credit & Debt

Status: In Good Standing

CONTACT

9400 North Broadway, Oklahoma City, OK 73114

Katheryn Cole Bell

Social Security, Wills, Credit & Debt, Consumer Bankruptcy

Status: In Good Standing Licensed: 13 Years

CONTACT

933 Nw 164Th St, Edmond, OK 73013

Deborah A. Peterson

Credit & Debt

Status: In Good Standing Licensed: 43 Years

CONTACT

3920 Anadarko Rd, Edmond, OK 73013

Deborah Albers Peterson

Credit & Debt

Status: In Good Standing

CONTACT

3920 Anadarko Rd, Edmond, OK 73013

Jennifer Leigh Barger

Administrative Law, Credit & Debt, Personal Injury, Employee Rights

Status: In Good Standing Licensed: 22 Years

CONTACT

100 North University Drive, Edmond, OK 73034

Cyrus D. Homayouni

Trusts, White Collar Crime, Corporate, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

711 Schulze Dr, Norman, OK 73071

Matthew S. Mogan

Credit & Debt, Business, Collection

Status: In Good Standing

CONTACT

3000 S. Berry Road, Norman, OK 73072

Cyrus Dean Homayouni

Trusts, White Collar Crime, Corporate, Credit & Debt

Status: In Good Standing Licensed: 22 Years

CONTACT

711 Schulze Dr, Norman, OK 73071

LaShea Chanele Borden

General Practice

Status: In Good Standing

CONTACT

2401 Northwest Twenty-Third St, Oklahoma City, OK 73107

800-923-0641

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LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

TRADE DRESS

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape... (more...)

The distinctive packaging or design of a product that promotes the product and distinguishes it from other products in the marketplace -- for example, the shape of Frangelico liqueur bottles. Trade dress can be protected under trademark law if a showing can be made that the average consumer would likely be confused as to product origin if another product were allowed to appear in similar dress.

ABUSE

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because ... (more...)

Misuse of the Chapter 7 bankruptcy remedy. This term is typically applied to Chapter 7 bankruptcy filings that should have been filed under Chapter 13, because the debtor appears to have enough disposable income to fund a Chapter 13 repayment plan.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

SECURED DEBT

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collater... (more...)

A debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien, called the collateral, to satisfy the debt if you default. Compare unsecured debt.

UNSECURED DEBT

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only reme... (more...)

A debt that is not tied to any item of property. A creditor doesn't have the right to grab property to satisfy the debt if you default. The creditor's only remedy is to sue you and get a judgment. Compare secured debt.

SECRET WARRANTY PROGRAM

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid... (more...)

A program under which a car manufacturer will make repairs for free on vehicles with persistent problems, even after the warranty has expired, in order to avoid a recall and the accompanying bad press. Secret warranties are rarely advertised by the manufacturer, so consumers must pursue the manufacturer to discover and take advantage of them. A few states require manufacturers to notify car buyers when they adopt secret warranty programs.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

SAMPLE LEGAL CASES

In re Sales Tax Claim for Refund of Home Depot

... [4] Home Depot stipulated that Monogram Bank of Georgia (Monogram & GE Capital were two of the private label credit card issuers) owned the accounts, and that Monogram included a bad debt deduction under Â§ 166, IRC on its federal tax return. ...

Capital One Bank, NA v. Parsons

... We find attorney fees are recoverable here and reverse the decision of the trial court. Â¶ 2 On December 27, 2005, Capital One Bank (Capital) filed a lawsuit on an open account alleging a credit card debt owed to it by William T. Parsons, III. ...

LITTLE BEAR RESOURCES v. NEMAHA SERVICES

... the origin of 961 its anti-deficiency statute [6] and concluded equity required the same rule (that the judgment debtor be allowed a credit against its debt for the sum representing the fair market value of the property sold) be applied to execution sales on judgment liens. ...

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Mcloud Credit & Debt Lawyer, Oklahoma

Sponsored Law Firm

Roland V. Combs III & Associates PLC

SPONSORED LAWYERS

Elizabeth Honeywell Gray

Kim A. Tran

Katheryn Cole Bell

Deborah A. Peterson

Deborah Albers Peterson

Jennifer Leigh Barger

Cyrus D. Homayouni

Matthew S. Mogan

Cyrus Dean Homayouni

LaShea Chanele Borden

TIPS

LEGAL TERMS

TRUTH IN LENDING ACT (TILA)

TRADE DRESS

ABUSE

SETOFF

COLLECTION AGENCY

SECURED DEBT

UNSECURED DEBT

SECRET WARRANTY PROGRAM

INTEREST

SAMPLE LEGAL CASES

In re Sales Tax Claim for Refund of Home Depot

Capital One Bank, NA v. Parsons

LITTLE BEAR RESOURCES v. NEMAHA SERVICES

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