If Love, Beal & Nixon, PC is showing up on your credit report, it likely means a debt has been sent to collections. Collection accounts can hurt your credit score and stay on your report for up to seven years if left unresolved.
Here’s what you need to know about Love, Beal & Nixon, PC and how to work toward removing their account from your credit report.
Who Is Love, Beal & Nixon, PC?
Love, Beal & Nixon, PC is a law firm and debt collection agency based in Oklahoma City, Oklahoma. They work on behalf of creditors to collect unpaid debts from consumers.
If they appear on your credit report, it means a company has hired them to recover money they believe you owe.
Who Does Love, Beal & Nixon Collect For?
Love, Beal & Nixon handles collections for a wide range of industries, including:
- Apartment complexes and property management companies
- Auto loan providers
- Credit card issuers
- Banks and lenders
- Private student loan companies
If you’ve fallen behind on rent, loans, or other payments, your account may have been turned over to them for collection.
Is Love, Beal & Nixon, PC Legitimate?
Yes, Love, Beal & Nixon is a real law firm and debt collection agency. They are authorized to collect debts for their clients. Even so, never assume a collection account is valid without verifying the details.
How to Remove Love, Beal & Nixon, PC From Your Credit Report
A collection account from Love, Beal & Nixon can damage your credit, but there are steps you can take:
- Dispute Inaccuracies: Check your credit report for errors. If the account isn’t yours or the information is incorrect, dispute it with the credit bureaus.
- Request Debt Validation: You have the right to ask Love, Beal & Nixon for proof that the debt is yours and the amount is correct. They must provide written verification if requested.
- Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This involves offering payment in exchange for having the collection removed from your credit report. Always get the agreement in writing before sending money.
- Work With a Credit Repair Service: Many people choose to work with professionals who specialize in removing collections and other negative items from credit reports.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Love, Beal & Nixon, PC?
Before contacting Love, Beal & Nixon, verify the debt is legitimate and accurately reported. Sometimes debts are outdated, incorrect, or past the statute of limitations.
Also, making a payment can restart the clock on certain debts, which may affect your credit, so proceed carefully.
Many people prefer to work with a credit repair company to help manage collections and protect their credit.
Can Love, Beal & Nixon Sue You or Garnish Your Wages?
As both a law firm and collection agency, Love, Beal & Nixon can sue you over unpaid debts. If they take legal action and win, they could get a judgment that allows wage garnishment or other collection methods, depending on your state’s laws.
That said, lawsuits are often a last resort. Many collection agencies prefer to negotiate a settlement or arrange a payment plan before pursuing legal action.
Love, Beal & Nixon, PC Contact Information
Here’s how to reach Love, Beal & Nixon:
Address:
Love, Beal & Nixon, PC
6621 N. Meridian Avenue
Oklahoma City, OK 73116
Phone: (405) 720-0565
Complaints About Love, Beal & Nixon, PC
Debt collectors often receive complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints about Love, Beal & Nixon include:
- Incorrect information reported to credit bureaus
- Failure to verify debts
- Harassment or aggressive collection tactics
If you believe your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Love, Beal & Nixon, PC
You are protected under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Love, Beal & Nixon cannot:
- Report false or incomplete information on your credit report
- Harass you with excessive calls, threats, or offensive language
- Misrepresent their identity or purpose
- Threaten to have you arrested for unpaid debts
You also have the right to request written proof of the debt. Love, Beal & Nixon must provide verification within 30 days of your request.
Get Help Removing Love, Beal & Nixon, PC From Your Credit Report
If dealing with Love, Beal & Nixon feels overwhelming, expert help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.
To learn more, visit their website or call (855) 281-1510.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.