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Oklahoma Fair Debt Collection Practices Act

Oklahoma Fair Debt Collection Statute

Oklahoma Fair Debt Collection Practices Act OK ST §14A-5-107. Extortionate extensions of credit.

(1) If it is the understanding of the creditor and the debtor at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the debtor.

(2) If it is shown that an extension of credit was made at an annual rate exceeding forty five percent (45%) calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the non-repayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1), unless such rate was otherwise lawful under any provision or provisions of this act.

Added by Laws 1969, c. 352, § 5-107, eff. July 1, 1969.

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.


  1. Research this date shows a lien filed in against my property in another county. I have received no paperwork from this court in support of this lien and I have no supporting paperwork showing I signed for whatever the debt of $3999 is for. How do I receive copies of the supporting documents to this claim?

    Your assistance in this matter is greatly appreciated.

    Connie Dubnick, 5/3/2015

    • Contact the clerk of the court in the county the judgment was entered and obtain a full copy of the court file. This will include a proof of service and more information about the debt, then give us a call. We’re happy to have an attorney licensed in your state review the facts- if they have violated your rights, we may be able to recover a damage award.

  2. I keep getting phone calls at my place of employment by D2 Management claiming they took my social off a credit report and I owe for a payday loan. However, I haven’t taken out any type of loan in years. I have repeatedly asked them to stop calling my place of employment that if they need to contact me to do so by mail, yet they never have. Today 6/23/15 I received a call from a Dominique Smith (a male) stating he was from D2 Management again on my employers phone. I again told him I have repeadidly asked them to stop calling me at my place of employment. He then stated he had no alternate phone number to call me on. I hung up on him after repeating that he is not to call me at my place of employment again. Two seconds later a woman stating she was with D2 Management called my cell phone. She refused to give me her full name and was very curt with me telling me her first name was Meeka and that was all I was getting! She called from 918-948-6034. I NEED THIS TO STOP! I want to sue them.

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