How To Remove Love Beal And Nixon From Credit Report?

LBN (Love, Beal & Nixon) is a debt collection business that receives many customer complaints about debt harassment at our legal office.

LBN is an Oklahoma legal company specializing in third-party debt collection. The consumers file complaints from this debt collection agency alleging breaches of the Fair Debt Collection Practices Act (FDCPA), such as inappropriate information sharing. If LBN has approached you, make sure you’re aware of your options before acting.

Who is Love, Beal, And Nixon, Pc?

Love, Beal & Nixon, PC is an Oklahoma City-based debt collection agency and legal practice. It might appear as a collections account on the credit report. It might occur when you fail to pay your bill on time.

Love, Beal & Nixon, P.C. (LBN) is an Oklahoma law firm that has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including incorrect information sharing and threats of actions that are not authorized. If LBN has approached you, make sure you understand your alternatives before acting.

How To Remove Love, Beal And Nixon, PC From Your Credit Report?

Collections can harm your credit score and remain on the report for seven years, whether you pay it or not. Paying the collection agency may, unfortunately, reduce your credit score. However, it is still possible to have a collection account removed from your credit history before the seven-time mark.

Lexington Law Firm is a credit restoration firm that assists customers in repairing their credit.

Lexington Law may also assist you in deleting false information from your credit reports, such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies.

Contact Information Of Love, Beal, And Nixon:

The contact information of Love, Beal, and Nixon is given below:

Address:

Love, Beal & Nixon P.C.

6621 N. Meridian Ave

Oklahoma City, OK 73116

Website: http://www.lbnlegal.com/

Phone number: (405) 720-0565

Should I Contact Or Pay Love, Beal, And Nixon, Pc?

Working with a professional credit repair firm is the best method to deal with Love, Beal & Nixon, PC. They have removed millions of bad things for millions of clients nationally from firms like Love, Beal & Nixon, PC.

Speaking with a collection agency over the phone will yield no positive results. Paying on the collection account will also reset the clock. As a result, it may exacerbate it rather than improve your credit. But, of course, there are situations when it is preferable just to pay the collection account, particularly if it is new and you are confident that it is legitimate.

Will Love, Beal, And Nixon, Pc Sue Me Or Garnish My Wages?

It’s conceivable, but you won’t have to worry if you deal with a firm like Lexington Law. They’ll assist you in disputing the debt and perhaps removing it from your credit record. It’s also conceivable that you’ll never hear from Love, Beal & Nixon, PC or have to deal with them again.

Call Lexington Law to find out how they can help you avoid litigation and erase negative things from your credit record, improving your credit scores dramatically.

Rights To Know While Dealing With Love, Beal, And Nixon, Pc:

In the United States, there are tight limitations on what a debt collector may and cannot do. The Fair Debt Collection Practices Act, for example, prohibits the employment of abusive or fraudulent debt collection practices. Furthermore, the Fair Debt Collection Practices Act (FDCPA) gives you a slew of rights to guarantee that collection companies don’t exploit you. Some points are given below:

• Love, Beal, and Nixon, PC must be open and honest about who they are and what they are trying to accomplish. They should inform you that they are a collecting agency, verbally and written.
• LBN can’t threaten to get you arrested, and they cannot threaten to file a lawsuit if the agency does not intend to do so.
• Love, Beal & Nixon, PC is breaking the law by reporting false or incomplete information on your credit report.
• You have the legal right to demand debt validation for a fictitious debt. Send a debt validation letter to the collecting agency. They have 30 days under the law to establish that the debt is yours and that the entire amount is correct.
• LBN is prohibited from threatening or harassing you, making repeated phone calls, swearing at you, or publicly publishing a list of debtors.

Additional Tips On Dealing With Love, Beal, And Nixon, Pc?

Some additional tips are given below:

Make a recording of their phone calls.

If you have to speak with a debt collecting agency over the phone, make a recording of the conversation. You can surreptitiously record phone calls in 35 states in the United States. You can record in the remaining 15 states with the opposite party’s consent. If you inform the debt collector you’re going to record, and they keep talking, you’ve permitted them to do so. The majority of the time, they will hang up.

Do not apply for new credit lines.

Applying for additional lines of credit while unable to pay your present creditors is also deemed dishonest.

Do not dismiss them.

You can affect your way, but Love, Beal & Nixon, PC won’t go down if you ignore the matter. Ignoring them puts you at threat of being sued.

Don’t trust anything they tell you.

Debt collectors are notorious for making bogus threats, lying, and telling you anything you need to hear to get you to pay your debt.

Do not conceal money.

However, hiding money is banned; even if you owe a genuine debt collector, keeping your bank account and credit card details private is also good.

Prevent yourself from using your phone.

No way, talk with a debt collector on the phone—the lower information they’ve about you, the better. Inform Love, Beal, and Nixon, PC politely. You have a policy of putting everything in jotting. Also, hung up after requesting a letter of actual debt information. Shoot them a stop and desist letter if they keep calling.

Know your state’s Statute of Limitations.

Debt has enactment of limitations in each state. Your debt becomes” zombie debt” if it reaches a particular age and you’re no longer fairly impelled to pay it. The minimal age varies per state, but it’s generally about 4- 6 times. The collector can still call you to repay the debts, but the company can’t sue you, and you are not obligated to repay it.

Is Love, Beal, And Nixon A Scam?

They’re the real deal. Love, Beal & Nixon, P.C. was created in October 1988, and the Better Business Bureau (BBB) launched its profile page 10 later, in August 1998. They are identified as a law firm on the website. LBN’s yearly revenue is estimated to be $10.2 million, with a staff of 90 workers at its headquarters, according to Buzzfile.

The LBN website is devoid of information about the firm, its rules, or its activities. Instead, they represent themselves as a law company that focuses on “debt collection in Oklahoma.” on their website. Furthermore, they are identified as a “debt collector seeking to recover a debt” and that “all information received would be utilized for that purpose,” according to a normal legal notice.

If you wish to pay the debt online, you can visit their website. A button that reads “Make a Payment” takes you to the online payment site. Then, you will get four more pages: Contact Us, Payment Options, Memberships, and About Us. The Payment Options page includes a link to the online payment gateway as well as instructions for making payments over the phone or by mail. And on the Contact Us page, you will find the necessary details to contact them.

Conclusion

Love, Beal & Nixon, P.C. was created in October 1988. They are identified as a law firm on the website.

Love, Beal & Nixon, PC is an Oklahoma City-based debt collection agency and legal practice. It might appear as a collections account on the credit report. And it can occur when you fail to pay a bill. When dealing with them, know the customer rights properly to prevent them from exploiting you.