Complaint Review: Love Beal & Nixon P.C. - Oklahoma City Oklahoma

Why is it everyone can find ROR to file a complaint about debt collectors but do not use the internet to find the CORRECT -LEGAL information on Fair-Debt Collection laws! Google the Federal trade commission and Fair-Debt Collections and you will find all kinds of FREE CORRECT INFORMATION. its there -you have to be willing to look for it and it does not take long to find.

I just love how people come on this site trying to play lawyer - then throw around terms they heard on 'Law and Order' to sound smart. So far as COLLECTIONS LAW and the FDCPA are concerned, there is no 'Cease and Desist' letter. In order to make communications by phone stop, a consumer must send a CEASE COMMUNICATIONS letter as per the FDCPA (see Buddhibbs.com for an example of this type of letter). Subsequent to receipt of this letter, the collector can send ONE final letter to make their intentions known regarding the debt. See Steve's advice above in the instance that these bottom-feeders try to file a lawsuit. He has beaten them numerous times, so taking his advice is a wise move in lieu of listening to the lawyer wannabes who dole out incorrect information.

Andrew, First, ignore the bad advice given to you by the "we-fix-ugly-credit" character. That is very bad advice, and there is no such thing in debt collections in the FDCPA as a "cease and desist" letter. The exact verbage directly from the FDCPA is CEASE COMMUNICATIONS. And, sending a cease communications request will NOT stop collections activity, but will only cease communications . Thats it. It does not stop the summons, but rather provokes it [especially with Love, Beal and Nixon]. However, a written dispute of the debt and demand for validation LEGALLY stops all collections efforts including negative credit reporting. This is FEDERAL LAW. All you need to do is send a Dispute and DEMAND for Debt Validation. Simply inform them that you dispute the debt in its entirety as it is not yours, and demand to see any proof that they allegedly have that the debt is yours. Demand to see a contract with your signature on it as well as a full account history and itemization of charges. Also demand proof that they have a legal right to collect the debt and demand to see that they are licensed as debt collectors. DO NOT sign this letter, just print. And do not give them any personal information like SS#, DOB, employment, etc.. Give them NOTHING. Send this letter by certified mail, return reciept requested, and be sure to put the certified # on the letter itself and keep a copy for your records. This procedure is very important. Now go to ftc.gov and file a complaint online for the unethical/illegal collections attempt, which takes about 3 minutes. Also file a Bar Association complaint against them for unethical activity. Then when they violate your LEGAL REQUESTS, you can sue them! Don't get mad, get paid!! >>>> Submitted: 8/18/2008 11:21:21 AM Modified: 8/18/2008 12:01:15 PM Andrew norman, Oklahoma U.S.A. thanx for help....in the meantime...??? thanks for the help/advice. is there anything i could be doing in the meantime ( like before i get a summons or anything ) such as asking them for more proof like an original contract i signed or anything like that? Id like to have outstanding proof in my hand if i have to walk into a courtroom someday over this stuff. Anything i can do i will do. thanks again for the advice Submitted: 8/26/2008 4:44:43 PM Modified: 8/26/2008 6:21:12 PM We-fix-ugly-credit Glendale, Arizona U.S.A. LVNV - They don't have the proper paperwork to file against you- Andrew - First things first.....I would promptly send them a Cease and Desist letter via certified mail. That should stop the collection activity immediately and put them in a position to either file or not. Even though the thought of receiving court papers may intimidate you, it is actually the best thing that could happen here. If you get court papers, let me know and I can provide you with some information that will help you in getting the case dismissed. I think legally I have to state that I am not an attorney, however, I have owned my own credit repair company and have been very successful in stopping LVNV Funding and the myriad of other company names they go by, Resurgent Capital, Aegis, Midland and so on. I have also worked with collection law firms and agencies very similar to LVNV (Collect America). If you don't have a cease and desist letter already, there are plenty on the web, just google Bud Hibbs Cease and Desist and you should find one quickly. Hope this helps !! >>>>

Andrew, First, ignore the bad advice given to you by the "we-fix-ugly-credit" character. That is very bad advice, and there is no such thing in debt collections in the FDCPA as a "cease and desist" letter. The exact verbage directly from the FDCPA is CEASE COMMUNICATIONS. And, sending a cease communications request will NOT stop collections activity, but will only cease communications . Thats it. It does not stop the summons, but rather provokes it [especially with Love, Beal and Nixon]. However, a written dispute of the debt and demand for validation LEGALLY stops all collections efforts including negative credit reporting. This is FEDERAL LAW. All you need to do is send a Dispute and DEMAND for Debt Validation. Simply inform them that you dispute the debt in its entirety as it is not yours, and demand to see any proof that they allegedly have that the debt is yours. Demand to see a contract with your signature on it as well as a full account history and itemization of charges. Also demand proof that they have a legal right to collect the debt and demand to see that they are licensed as debt collectors. DO NOT sign this letter, just print. And do not give them any personal information like SS#, DOB, employment, etc.. Give them NOTHING. Send this letter by certified mail, return reciept requested, and be sure to put the certified # on the letter itself and keep a copy for your records. This procedure is very important. Now go to ftc.gov and file a complaint online for the unethical/illegal collections attempt, which takes about 3 minutes. Also file a Bar Association complaint against them for unethical activity. Then when they violate your LEGAL REQUESTS, you can sue them! Don't get mad, get paid!! >>>> Submitted: 8/18/2008 11:21:21 AM Modified: 8/18/2008 12:01:15 PM Andrew norman, Oklahoma U.S.A. thanx for help....in the meantime...??? thanks for the help/advice. is there anything i could be doing in the meantime ( like before i get a summons or anything ) such as asking them for more proof like an original contract i signed or anything like that? Id like to have outstanding proof in my hand if i have to walk into a courtroom someday over this stuff. Anything i can do i will do. thanks again for the advice Submitted: 8/26/2008 4:44:43 PM Modified: 8/26/2008 6:21:12 PM We-fix-ugly-credit Glendale, Arizona U.S.A. LVNV - They don't have the proper paperwork to file against you- Andrew - First things first.....I would promptly send them a Cease and Desist letter via certified mail. That should stop the collection activity immediately and put them in a position to either file or not. Even though the thought of receiving court papers may intimidate you, it is actually the best thing that could happen here. If you get court papers, let me know and I can provide you with some information that will help you in getting the case dismissed. I think legally I have to state that I am not an attorney, however, I have owned my own credit repair company and have been very successful in stopping LVNV Funding and the myriad of other company names they go by, Resurgent Capital, Aegis, Midland and so on. I have also worked with collection law firms and agencies very similar to LVNV (Collect America). If you don't have a cease and desist letter already, there are plenty on the web, just google Bud Hibbs Cease and Desist and you should find one quickly. Hope this helps !! >>>>

Andrew, First, ignore the bad advice given to you by the "we-fix-ugly-credit" character. That is very bad advice, and there is no such thing in debt collections in the FDCPA as a "cease and desist" letter. The exact verbage directly from the FDCPA is CEASE COMMUNICATIONS. And, sending a cease communications request will NOT stop collections activity, but will only cease communications . Thats it. It does not stop the summons, but rather provokes it [especially with Love, Beal and Nixon]. However, a written dispute of the debt and demand for validation LEGALLY stops all collections efforts including negative credit reporting. This is FEDERAL LAW. All you need to do is send a Dispute and DEMAND for Debt Validation. Simply inform them that you dispute the debt in its entirety as it is not yours, and demand to see any proof that they allegedly have that the debt is yours. Demand to see a contract with your signature on it as well as a full account history and itemization of charges. Also demand proof that they have a legal right to collect the debt and demand to see that they are licensed as debt collectors. DO NOT sign this letter, just print. And do not give them any personal information like SS#, DOB, employment, etc.. Give them NOTHING. Send this letter by certified mail, return reciept requested, and be sure to put the certified # on the letter itself and keep a copy for your records. This procedure is very important. Now go to ftc.gov and file a complaint online for the unethical/illegal collections attempt, which takes about 3 minutes. Also file a Bar Association complaint against them for unethical activity. Then when they violate your LEGAL REQUESTS, you can sue them! Don't get mad, get paid!! >>>> Submitted: 8/18/2008 11:21:21 AM Modified: 8/18/2008 12:01:15 PM Andrew norman, Oklahoma U.S.A. thanx for help....in the meantime...??? thanks for the help/advice. is there anything i could be doing in the meantime ( like before i get a summons or anything ) such as asking them for more proof like an original contract i signed or anything like that? Id like to have outstanding proof in my hand if i have to walk into a courtroom someday over this stuff. Anything i can do i will do. thanks again for the advice Submitted: 8/26/2008 4:44:43 PM Modified: 8/26/2008 6:21:12 PM We-fix-ugly-credit Glendale, Arizona U.S.A. LVNV - They don't have the proper paperwork to file against you- Andrew - First things first.....I would promptly send them a Cease and Desist letter via certified mail. That should stop the collection activity immediately and put them in a position to either file or not. Even though the thought of receiving court papers may intimidate you, it is actually the best thing that could happen here. If you get court papers, let me know and I can provide you with some information that will help you in getting the case dismissed. I think legally I have to state that I am not an attorney, however, I have owned my own credit repair company and have been very successful in stopping LVNV Funding and the myriad of other company names they go by, Resurgent Capital, Aegis, Midland and so on. I have also worked with collection law firms and agencies very similar to LVNV (Collect America). If you don't have a cease and desist letter already, there are plenty on the web, just google Bud Hibbs Cease and Desist and you should find one quickly. Hope this helps !! >>>>

Andrew, First, ignore the bad advice given to you by the "we-fix-ugly-credit" character. That is very bad advice, and there is no such thing in debt collections in the FDCPA as a "cease and desist" letter. The exact verbage directly from the FDCPA is CEASE COMMUNICATIONS. And, sending a cease communications request will NOT stop collections activity, but will only cease communications . Thats it. It does not stop the summons, but rather provokes it [especially with Love, Beal and Nixon]. However, a written dispute of the debt and demand for validation LEGALLY stops all collections efforts including negative credit reporting. This is FEDERAL LAW. All you need to do is send a Dispute and DEMAND for Debt Validation. Simply inform them that you dispute the debt in its entirety as it is not yours, and demand to see any proof that they allegedly have that the debt is yours. Demand to see a contract with your signature on it as well as a full account history and itemization of charges. Also demand proof that they have a legal right to collect the debt and demand to see that they are licensed as debt collectors. DO NOT sign this letter, just print. And do not give them any personal information like SS#, DOB, employment, etc.. Give them NOTHING. Send this letter by certified mail, return reciept requested, and be sure to put the certified # on the letter itself and keep a copy for your records. This procedure is very important. Now go to ftc.gov and file a complaint online for the unethical/illegal collections attempt, which takes about 3 minutes. Also file a Bar Association complaint against them for unethical activity. Then when they violate your LEGAL REQUESTS, you can sue them! Don't get mad, get paid!! >>>> Submitted: 8/18/2008 11:21:21 AM Modified: 8/18/2008 12:01:15 PM Andrew norman, Oklahoma U.S.A. thanx for help....in the meantime...??? thanks for the help/advice. is there anything i could be doing in the meantime ( like before i get a summons or anything ) such as asking them for more proof like an original contract i signed or anything like that? Id like to have outstanding proof in my hand if i have to walk into a courtroom someday over this stuff. Anything i can do i will do. thanks again for the advice Submitted: 8/26/2008 4:44:43 PM Modified: 8/26/2008 6:21:12 PM We-fix-ugly-credit Glendale, Arizona U.S.A. LVNV - They don't have the proper paperwork to file against you- Andrew - First things first.....I would promptly send them a Cease and Desist letter via certified mail. That should stop the collection activity immediately and put them in a position to either file or not. Even though the thought of receiving court papers may intimidate you, it is actually the best thing that could happen here. If you get court papers, let me know and I can provide you with some information that will help you in getting the case dismissed. I think legally I have to state that I am not an attorney, however, I have owned my own credit repair company and have been very successful in stopping LVNV Funding and the myriad of other company names they go by, Resurgent Capital, Aegis, Midland and so on. I have also worked with collection law firms and agencies very similar to LVNV (Collect America). If you don't have a cease and desist letter already, there are plenty on the web, just google Bud Hibbs Cease and Desist and you should find one quickly. Hope this helps !! >>>>

Andrew - First things first.....I would promptly send them a Cease and Desist letter via certified mail. That should stop the collection activity immediately and put them in a position to either file or not. Even though the thought of receiving court papers may intimidate you, it is actually the best thing that could happen here. If you get court papers, let me know and I can provide you with some information that will help you in getting the case dismissed. I think legally I have to state that I am not an attorney, however, I have owned my own credit repair company and have been very successful in stopping LVNV Funding and the myriad of other company names they go by, Resurgent Capital, Aegis, Midland and so on. I have also worked with collection law firms and agencies very similar to LVNV (Collect America). If you don't have a cease and desist letter already, there are plenty on the web, just google Bud Hibbs Cease and Desist and you should find one quickly. Hope this helps !!

thanks for the help/advice. is there anything i could be doing in the meantime ( like before i get a summons or anything ) such as asking them for more proof like an original contract i signed or anything like that? Id like to have outstanding proof in my hand if i have to walk into a courtroom someday over this stuff. Anything i can do i will do. thanks again for the advice

Andrew, DO NOT fall for that scam by LBN. They acre scammers and lowlife. I have dealt with Love, Beal, and Nixon on 2 different occasions and was sued by them once. Ignore everything but the summons, then countersue them for damages for frivolous lawsuit. Don't get mad, get paid. If you know for a fact the debt is not yours, you have nothing to worry about. Under OK Law, you have 35 days to respond to a SUMMONS. Your response is simple. It's not your debt. Demand to see something you allegedly signed to create the alleged debt. STAY OFF THE PHONE!! NEVER speak to any bottomfeeder on the phone!! That will be your biggest mistake. They are trying to scare you into doing something stupid.

Ok now it gets weird. 4 August 2008. Today i received a letter from LB&N to a female with my same last name but whom i've never heard of. The letter says it is being provided in response to your request for debt validation (which i asked for on the first letter they sent to ME) It was placed with their firm by Midland Funding LLC for collection on 10.29.07. The original creditor is bank one in Wilmington, DE. They provided the original account number. A SSN is listed and the last 4 don't match mine. I've never heard of bank one and have never been to Delaware. This one has a different file number and account balance from the first letter they sent me. It says if i am not this individual to contact them for further verification. Is this a tactic to get me to call? I don't know and am now more concerned than ever. Thank you again for any advice/help you can offer.