Report: #273431

Complaint Review: Love Beal And Nixon

  • Submitted: Sun, September 09, 2007
  • Updated: Sun, October 14, 2007
  • Reported By: Eagle Idaho
  • Love Beal And Nixon
    621 N Meridian
    Oklahoma City, Oklahoma
  • Phone: 405-720-0466
  • Web:
  • Category: Lawyers

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11/06 My mom received a ltr from LBN informing her that she was in default of a debt and would be receiving documentation suing her if she did not respond within 15 days of receipt of that letter. My mom is 90 years old and had filed BK in 1999. She contacted the LBN to find out what they were talking about about received only a recording. At that time she sent them a letter stating she had no outstanding debts and could they please send her a copy of what they were attempting to collect. She also sent a copy of this letter to the District Court for Tulsa County.

LBN, upon receipt of her letter, called her and told her that it was for an outstanding credit card debt and they would send her copies of the documentation.

What she received was a Summons.

She had no idea what it was for and, therefor, did not respond.

She received another letter from LBN informing her they had received a Judgment against her entered on January 19, 2007 for the amount of $5443. On 2/27/07, my sister contacted LBN to attempt to find out what this amount represented. She spoke to Houston. Houston refused to cooperate with my sister, even after being informed that my sister has a Power of Attorney for all financial transactions for my 90 year old mother. My sister asked to speak to Mr Belcher, credit collections supervisor. Mr. Belcher refused to cooperate with my sister as well, informing my sister that he could not speak with my sister since 1) the 35 days has expired and 2) he could not speak to her without persmission from my mom (even after being informed of the Power of Attorney.

A few minutes later, my mom called Mr. Belcher who refused to take her phone call. She left him a voice mail. My sister called him back and her said he was unable to retrieve his voice mail but would take my sister's name and phone number and call her back.

3/6/07, my sister contacts LBN again. She leaves a message, no return call.
3/7/07, she contact LBN again. Leaves a message, no return call.

In the interim, my sister has obtained a copy of my mom's BK records from California and ascertains that the debt is most likely a Midland Credit Card. She contact Midland. She speaks with Cynthia on 3/7/07, who requests a copy of the Power of Attorney. My sister immediately faxes this to her and Cynthia informs my sister that she will look into the matter and she can call back the next day.

3/8/07 my sister contacts Midland and is informed that Cynthia has misinformed my sister, that since the debt has been "turned over to a debt collection agency" they are no longer able to speak to anyone else about this debt and hang up on my sister.

There is no documentation on the debt. No one can tell us what this is for or if this is one of the credit cards that was written off during the BK or if it was one of the credit cards that was written off when her husband died 2 years ago.

On 8/27/07, my mom received another letter from LBN, informing her that they are "considering post judgment enforcement which could include the filing of a garnishment and/or court hearing on your assests."

It also states "we have not been notified of a BK."

Questions: If we cannot find out what credit card this is, how do we know if this was not one of the credit cards that was written of on her BK in 1999?

She is 90 years old and does not know what she is doing, that's why my sister has PofA. Why won't they speak to my sister once they have the PofA in hand?

I have some legal experience as I was a paralegal for 15 years, but did domestic law so this is a little out of my realm, but law is law. This borders on harassment and the only assests my mom has is her monthly SS check. She has absolutely nothing. She lives in an assisted care facility and is in frail health.

She lives in Owasso, Tulsa County. My sister lives close by but I live in Idaho.

Any help would be appreciated. Thanks. This site has been a helpful.

Eagle, Idaho
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This report was posted on Ripoff Report on 09/09/2007 09:00 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

FYI To Steve

AUTHOR: Stacey - (U.S.A.)

Yes there is such thing as a cease and desist letter - look it up Steve - To the OP will help you - This bottom feeder is on his list of the 10 most worthless collection agencies - and to Steve - go to bud hibbs site and click on marauder exposed - you will see my case and as you advertise that you are not an attorney - I think I will stick to my attorney's advice about the cease and desist since I have used them against NCO and other bottom feeder collection agencies
who have tried to intimidate my deceased grandfather with unlimited phone calls and threats

To the OP - Get good lawyer - If you were in Dallas I would recommend mine but I am sure there are lawyers in you are who specialize in suing debt collections as mine does - Good luck and let us know what happens
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#2 Consumer Suggestion

You need to get a lawyer for your Mom ASAP! Very important!

AUTHOR: Steve - (U.S.A.)


First of all, LBN are debt collectors and represent primarily junk debt buyers. They are true lowlife. These "investors" buy very old, usually uncollectable "debt" for less than a penny on the dollar. Then they hire lowlife bottomfeeders like LBN to collect by any means they can.

NEVER speak to ANY debt collector on the phone. NEVER! This was the start of all problems. It is NEVER to your advantage to speak to any debt collector.

At this point, you need a lawyer to get the judgement set aside. Do this right away!!

As far as the other advice to send a "cease and desist" letter. It is too late for that. And FYI..There is no such thing as a "cease and desist" letter under the law in collections. The EXACT verbage straight from the FDCPA is a CEASE COMMUNICATIONS request. It is very important to use proper terminology in any legal proceeding.

And, if your Mom is too old and/or not competent to handle her affairs, she should not be on her own to answer the phone. You might have to file a motion for a competency hearing to squash the judgement.

Good luck.
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#3 Consumer Comment

This is a Third Party Collection Agency

AUTHOR: Stacey - (U.S.A.)

Send them a Cease and Desist via Certified Mail
Go to for more information
My Hibbs is a very nice man - My attorney and him are friends
He has good information for you
Do not these bottom feeders intimate you
You have rights!
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#4 Consumer Comment

How low will they go?

AUTHOR: Frustrated - (U.S.A.)

I too have been a victim. This is such a shame to be bullying the elderly of our society. I recently had a court date with a case which they would not/ could not provide proof of the debt. I was worried sick. I'm a single mom of two children, low income and have no assets other than the roof over our head. I was told by several attorneys at legal aid (who called every friend and acquaintance that they could think of for advice) that the judge is supposedly there to protect my interests and will not garnish my salary.

The worst case would be a lien against my home. I did as much paperwork (documented, certified and copied to the court) as I could possibly do, most of the information came from this site. The first step was to ask for proof of the debt, which they could not provide. But, if you have read most of these entries, you will see the steps listed repeatedly, so I won't list them again.

Bottom line, I appeared in court on the hearing date, but they did not and the case was dismissed without prejudice, which means that they can sue again. Two weeks later, they did. So, I am going through the whole procedure again. They won't give up, but my main advice is to check the court dockets daily and make sure that they haven't slipped a court hearing date in there that you are unaware of.

Not showing up gives them a win by default. This is what they thrive on. They file hundreds of these suits in Tulsa courts every week. I have checked the court site for their entries. I wish you the best of luck. Fight them, don't let them take advantage, they are most likely in the wrong and nothing more than scavengers.
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