When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Morgan and Associates PC


2601 NW Expressway Ste 205E
Oklahoma City, OK 73112-7211

Contact Them:

Phone: (405) 425-0700
Fax: (405) 425-0739

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you before 8 am or after 9 pm

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Martina R. on April 16, 2015 at 6:29 pm

      got a letter from Morgan and Associates. Stating about a cash advance of 680.85. I took a cash advanced but i’m on a payment plan. Tryin to get a phone number so i can talk to them but found none. His name is Bob Carner he said 24hour i don’t get a hold of them is going to go to court. and i will have charges against me. I just need to stop Morgan and Associates. Thank You.

    2. on April 15, 2021 at 4:05 am

      Hey! Thіs post coul not be written any better!
      Reading through this post rwminds me of my previous room mate!
      He always kept talking about this. I will forward this write-up too
      him. Pretty sure he ԝill have a good гead. Thanks for

      Here is my blog – paydаy loan compɑnies;,

    3. tinder dating on May 6, 2021 at 7:34 am

      how to use tinder , how to use tinder dating

    4. lovoo nachricht kein haken on May 17, 2021 at 11:18 am

      wie auf lovoo anschreiben lovoo profil verifizieren

    5. 100% free jewish dating on May 20, 2021 at 11:55 am

      100 free spanish dating sites
      good free dating site in usa

    6. windows adult dating sim on May 20, 2021 at 12:03 pm

      free adult online dating sites
      adult dating sites are fake

    7. on June 16, 2021 at 12:42 pm

      Wow, stunning portal. Thnx …

    8. Dating online on June 17, 2021 at 10:59 am

      Great website! It looks really expert! Sustain the excellent job!

    9. dating over 40 on June 21, 2021 at 11:53 am

      Great internet site! It looks really professional! Maintain the
      excellent work!

    10. aaron rodgers dating shailene woodley on June 21, 2021 at 12:38 pm

      Great website! It looks very good! Keep up the good job!

    11. best christian dating sites on June 21, 2021 at 10:22 pm

      Whoa this is a helpful online site.

    12. breakfast for keto diet on June 24, 2021 at 2:37 pm

      Thanks for the purpose of giving like superior post.

    13. Keto diet on June 24, 2021 at 2:44 pm

      You’re a really valuable website; could not make it without ya!

    14. on June 24, 2021 at 9:33 pm

      Extremely individual pleasant website. Great information offered on few
      gos to.

    15. gay men adult online dating on November 4, 2021 at 6:21 pm

      Wow cuz this is great work! Congrats and keep it up.

    16. customizable sex games on November 15, 2021 at 4:53 pm

      Excellent Web page, Continue the very good job. Thank you!

    17. friends playing sex games on November 15, 2021 at 5:48 pm

      Love the site– really user pleasant and whole lots to see!

    18. animal sex hentai flash games on November 15, 2021 at 8:14 pm

      Your material is extremely fascinating.

    19. how many carbs a day for keto on November 16, 2021 at 2:41 pm

      Terrific web site you’ve gotten here.

    20. what fruits can you eat on keto on November 16, 2021 at 6:21 pm

      Thanks, this site is extremely valuable.

    21. birch benders keto pancake mix on November 16, 2021 at 10:46 pm

      Thanks with regard to furnishing these sort of good post.

    22. Many thanks extremely useful. Will certainly share website with my pals.

    23. essays to write about on December 10, 2021 at 2:18 am

      Excellent page, Carry on the fantastic work.

    24. free vpn server on December 11, 2021 at 8:24 am

      Thanks a bunch! It is an great webpage.

    25. critical thinking vs creative thinking on December 11, 2021 at 6:01 pm

      Wow cuz this is excellent work! Congrats and keep it up.

    26. scholarship essay examples on December 12, 2021 at 3:55 am

      I adore this site – its so usefull and helpfull.

    27. vpn best value on December 14, 2021 at 2:46 am

      You have fantastic knowlwdge on this website.

    28. how to create a vpn on December 14, 2021 at 6:22 am

      Thanks a ton! It is an astounding internet site!

    29. should i buy a vpn on December 14, 2021 at 6:23 am

      Just simply want to point out I’m just thrilled that i stumbled
      in your web site.

    30. anonymous vpn on December 14, 2021 at 3:04 pm

      Pretty revealing….looking onward to coming back again.

    31. persuasive writing essays on December 15, 2021 at 2:55 pm

      Great website! It looks extremely expert! Sustain the helpful job!

    32. best free vpn download on December 15, 2021 at 3:03 pm

      You’ve gotten one of the best web sites.

    33. zenmate vpn on December 15, 2021 at 3:31 pm

      say thanks to a lot for your web site it assists a great deal.

    34. what does vpn mean on December 17, 2021 at 7:00 pm

      Thanks, this website is extremely useful.

    35. gay sc chat on December 29, 2021 at 10:07 am

      Simply wanted to stress I’m pleased I happened in your site!

    36. gay bear free webcam chat rooms on December 29, 2021 at 3:42 pm

      Wow, beautiful website. Thnx …

    37. raging bull casino online on January 10, 2022 at 1:48 am

      Thanks, this site is very helpful. raging bull casino online

    38. adam for adam gay dating websitewhen a secretive commitment phobic
      guy you are dating is really gaygay dating controlling macho gree gay dating sites gay dating sites in nc

    39. nazarene college essay on January 12, 2022 at 7:09 pm

      essay on accountability essay structure example outline for
      essay nazarene college essay

    40. how long is an essay on January 12, 2022 at 8:57 pm

      argument essay topics essay idea generator essay meme how long is an essay

    41. gay dating gay dating site out personal customer service adam for adam gay online dating white gay liberal dating interracial to avoid being seen as racist

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.