COLLECTION OF AN UNLAWFUL DEBT - DEFINITION
An unlawful debt means any money/(thing of value) that is the principal or interest on a debt that is unenforceable in the Oklahoma courts because the debt violates [Specify Law], which prohibits [Describe Law], [but it does not include a debt [(owed to a bank/(savings and loan association)/(credit union)]/ [assigned to a debt collection agency].
Notes on Use
The jury should be informed of the particular law that makes the debt unenforceable. The trial court should include the last clause in the instruction only if there is a jury issue concerning whether the debt was owed to a bank or similar institution.