Who is Love, Beal & Nixon, PC?
Love, Beal & Nixon, PC is a debt collection agency and law firm located in Oklahoma City, Oklahoma. They primarily work with creditors who have been unable to collect payments from their debtors.
If Love, Beal & Nixon, PC appears on your credit report as a collections account, it typically means that a past due bill or debt has been assigned to them for collection.
Who does Love, Beal & Nixon collect for?
Love, Beal & Nixon has a diverse portfolio when it comes to the types of debts they collect. They work with a variety of industries and sectors, including but not limited to apartment and rental leases, auto loans, credit cards, personal loans, and student loans.
Their clientele ranges from apartment complexes and property management companies, to auto loan providers, credit card companies, banks, and private student loan lenders.
Is Love, Beal & Nixon legit or a scam?
Love, Beal & Nixon is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Love, Beal & Nixon, PC from my credit report?
Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Though debt collectors may not want this widely known, it’s your right to be informed.)
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Love, Beal & Nixon, PC Contact Information
Address:
Love, Beal & Nixon P.C.
6621 N. Meridian Ave
Oklahoma City, OK 73116
Phone number: (405) 720-0565
Should I contact or pay Love, Beal & Nixon, PC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Love, Beal & Nixon, PC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Love, Beal & Nixon, PC on behalf of their clients.
Will Love, Beal & Nixon, PC sue me or garnish my wages?
If Love, Beal & Nixon, PC chooses to pursue legal action and are successful in their lawsuit, they could potentially garnish your wages or take other measures to collect the debt, depending on the local laws in your area.
However, it’s important to note that taking legal action is often a last resort, given the cost and time involved. Before resorting to such measures, they may prefer to work out a payment plan or agree on a settlement.
Love, Beal & Nixon, PC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Love, Beal & Nixon, PC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Love, Beal & Nixon, PC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Love, Beal & Nixon, PC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Love, Beal & Nixon, PC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Love, Beal & Nixon, PC cannot threaten to have you arrested or imprisoned for unpaid debts.
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