Love Beal and Nixon are violating title 12 of the oklahoma statue. I have been wanting to get a group of people who are experiencing issues with LBN and see if we can put some type of class action together. One of the reasons I think they are reluctant to provide backup data is that they are padding balances and adding dollars fradulently to increase their revenue. Those SOB's are purchasing old CC debt and I am not sure that most of it is past the statue of limitations for Oklahoma debt. I am willing to go along with going to the media for assistance. I have also filed complaints with the OBA against Shandra McKinney one of the attorney's as well as William Nixon.
I think we need to put all of this together for class action against LBN for undue stress, financial hardship as well as their continued violation of the "Fair Debt Collection Act" and actions within Title 12. I think they are padding balances by thousands of dollars to keep that business open. That is why they refuse to provide documentation of the balance from day one. I am filing a notice of hearing to bring them back into court regarding my issue with this group of thieves. Anyone interested in trying to do something collectively against LBN - please email me at [protected]@yahoo.com. I am just now starting to work on this - but I think we have some issues that could cost LBN some money.
I have paid them over 14, 000 for a 1500 dollar debt. This is a terrible company with rude employees who misrepresent themselves and pretend to be you to collect information about you - which is illegal. It is time that we fought back against companies such as this. It is a way to collect old dollars without causing undue stress and financial hardship. They have even taken unemployement compensation from individuals which is a serious violation of the federal guidelines under exemptions. I want to go after them - but I think it would be more presntable and effective as a group.
First of all, 2 years ago, soon after major surgery and a near death experience, I returned home to receive 2 letters from the Oklahoma City law office of Love, Beal and Nixon, regarding a judgment against me of $10, 000 and a threat to garnishee wages. (My only income is from teaching as adjunct faculty -- annual income of $12, 000.)
I talked with Enid lawyers then, and I had a prepaid lawyer online, and I told the OKC law firm I was talking to lawyers, and that's the last I heard from them. (I really thought they were unscrupulous wolves who had bought an old debt) I couldn't imagine what a debt of this magnitude could be. After some time, I figured out it was resulting from a loan of $4000 that I had taken out in 1999, to restore my credit, with Beneficial Finance to pay off old debts (from my previous marriage, that ended in 1993) and that I paid on until summer of 2002.
Now, I have received garnishee papers from the college I work for, with their plan to send 25% of my meager stipend to the OKC law office. I have marked the space for exemption, because I am a single mother with undue hardship, and poor health. I need a miracle.