Love, Beal & Nixon, P.C. (LBN) is a law firm based in Oklahoma that specializes in third-party debt collection. LBN has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as improper sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by LBN, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Love, Beal & Nixon, P.C. was founded in October 1988, and the BBB established its profile page ten years later, in August 1998. They are listed as a law firm. Buzzfile estimates LBN’s annual revenue at $10.2 million and the size of its headquarters staff at 90 people.
LBN’s website does not provide a lot of information about the company or its policies or practices. Their Home page identifies them as a law firm “focusing on debt collection and litigation in Oklahoma.” In addition, there is a standard legal disclosure identifying them as a “debt collector attempting to collect a debt,” and that “any information obtained will be used for that purpose.” There is a “Make a Payment” button that links to their online payment portal, and links to four additional pages: Payment Options, Memberships, About Us, and Contact Us.
The About Us page provides a simple list of services, which include “credit cards, auto deficiency, student loans, personal loans, apartment & rental leases, debt collection, commercial collection, medical collection, garnishment, judgment enforcement, litigation, creditors rights, accounts receivable consulting, skip tracing, and asset location.”
The Memberships page indicates Love, Beal & Nixon PC is affiliated with 7 professional organizations: the National Association of Retail Collection Attorneys (NARCA); ACA International; the American Bar Association; the Oklahoma Bar Association; the Oklahoma County Bar Association; the AACA American Alliance of Creditors Attorneys; and the National List of Attorneys. The Payment Options page provides a link to the online payment portal and directions for making telephone or mail payments. The Contact Us page provides a mailing address, phone number, and email link.
There are no notices of consumer rights and no links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed five complaints against Love, Beal & Nixon, P.C. in the past three years, with none closed in the past 12 months. Four of the five complaints allege problems with advertising and sales; the other alleges problems with customer service. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 11 complaints about LBN, and Justia lists at least seven cases of civil litigation involving LBN.
Love, Beal & Nixon, P.C.
6621 N. Meridian Ave.
Oklahoma City, OK 73116
Telephone: (405) 720-0565
Website: http://www.lbnlegal.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely LBN would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases
In July 2015, in United States District Court for the Northern District of Oklahoma, a judge issued an Opinion and Order in a case alleging violations of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff was an employee of Best Buy electronics store at the time of the original violation. A Love, Beal & Nixon, P.C. representative had conducted research to determine potential places of employment for a “judgment debtor,” which is a legal term for or a consumer with a past due bill in collections that has been resolved by issuing a writ of garnishment. The judgement debtor was identified as a Best Buy employee, and the LBN representative responsible for serving the writ of garnishment had her name, a social security number, and an employer. The LBN representative “believed it was possible that the judgment debtor was employed by Best Buy,” and found an individual who had the same name as the judgement debtor, although she was unable to make a definitive identification. Although the LBN representative admitted that obtaining a credit report would have provided “the most accurate information” about the judgement debtor, she did not obtain a report “because LBN trained her that ‘it cost money to order a credit report, so if we have a strong belief on information, we try to avoid that.’” Regardless, Love, Beal & Nixon, P.C. served the writ of garnishment on Best Buy, who processed the writ and withheld $500.00 from the plaintiff’s paycheck. Although the plaintiff was the individual named in the writ of garnishment, she was not the individual responsible for the outstanding bill. The plaintiff filed a complaint with Best Buy’s human resources department, who communicated to LBN that they were garnishing the wrong person’s wages. Best Buy’s payroll service was outsourced to another company, ADP, who ultimately refunded the money withheld from the plaintiff’s paycheck. When the plaintiff made inquiries to find out why her paycheck had been unlawfully garnished, ADP and LBN both blamed Best Buy.
The July 2015 hearing was held to determine whether LBN had violated the FDCPA as a result of processing an unlawful wage garnishment. LBN argued that the FDCPA does not apply because the garnishment was processed by Best Buy, and even if Love, Beal & Nixon, P.C. had violated the FDCPA in issuing the garnishment, they were not liable because the mistake was a result of a bona fide error. The court cited case law that demonstrates that in cases of garnishment, the creditor—in this case Love, Beal & Nixon, P.C.—and not the employer, is ultimately responsible for the accuracy of the information in a writ of garnishment. Furthermore, because a bona fide error is defined as a “violation that was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error,” the court did not find that LBN had established “by a preponderance of the evidence, that Love, Beal & Nixon, P.C. made an unintentional, bona fide error under” the FDCPA. As a result, LBN’s motion for summary judgement opposing the plaintiff’s charges was denied.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”
The short answer is yes. Contact us now to find out more.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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They stole my physical therapy money and I am having a very hard time my left ankle is in a lot of pain and I can’t afford food bills or taxes I’m at my wit’s end here and I’m likely going to be homeless and crippled because of them
LBN has been submitting a garnishment against me every 6 months. Each time the amount is different. First it was $1100 which was my indebtedness that I signed and submitted to them that I would pay in monthly installments before the garnishment. I paid for 6 months straight before they cleaned out my bank account for around $600. A few months later they sent another garnishment out for $541 then a few months later another one for $611. They already garnished way more than what my debt was for. They never communicate with me about anything. I don’t know until it’s too late. They won’t stop stealing from me and I don’t know how to stop them! I have called and emailed them repeatedly and only response I get is an email saying, they cannot discuss this with me.
Now I have received about 4 emails from them over the last few months about other people’s cases that include their case number, name, work, and residence. They are sharing people’s private information. This is unlawful.
In Feb 2018 I opened my paycheck and it was $400 short. I researched and found out that LBN had obtained a judgment against me in 2013! I swear to God, they had never contacted me by phone, mail or in person. (Same address and even land line for 14 years)
I immediately wrote the judge and she actually put me on the docket for hearing. Wish I knew then… Anyway the attorney stood there and lied to her face several times and the judge lowered the amount of the garnishment from almost $400 twice a month to $125. That was great but I NEED TO STOP THE GARNISHMENT. I am an HR director.
The judge instructed me to file a petition to vacate, which I did, and on the 3rd attempt at it, I was granted a hearing (approx. 6 months since 1st garnishment). Waste of money and time, she said the statute of limitations had ran out and she wasn’t allowed to rule on my case!
LBN immediately went back to the $400 twice a month and will now even discuss stopping the garnishment.
I have -0- debt, I don’t owe anyone, I own a home, 2 cars yada yada, and I believe with every fiber of my being that LBN files these cases and, if they find out a person has assets, they wait, like they have done with me, until I can’t do anything about it!!! I NEED THE GARNISHMENT TO STOP! And I can not file bankruptcy. I have paid out 90% of the original debt but the have tacked $10,000.00 interest on top of it. Can you help me?