Love, Beal & Nixon, P.C. is an Oklahoma City law firm that collects debts for creditors, including by getting court judgments and enforcing them. If it contacts you, it is probably about a debt a client has sued, or plans to sue, you over.
- Type
- Collection law firm
- Also known as
- Love, Beal, and Nixon, P.C.; LBN
- Headquarters
- Oklahoma City, OK
- Collects
- consumer debts pursued through lawsuits and judgment enforcement
73 debt collection complaints were sent to the Consumer Financial Protection Bureau about Love, Beal & Nixon, P.C. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Love, Beal & Nixon?
Love, Beal & Nixon, P.C. is a law firm organized as a professional corporation at 6621 N. Meridian Avenue in Oklahoma City, Oklahoma. Its Better Business Bureau listing gives a start date of October 1, 1988 and names William L. Nixon as president. We could not find an official website for the firm, so this profile relies on that listing and on federal court records.
A 2015 opinion of the U.S. District Court for the Northern District of Oklahoma describes the firm as having obtained judgments on debts in an Oklahoma state court and then serving garnishment papers on a debtor's employer to collect them. In testimony quoted in that opinion, a firm witness was asked whether the firm is a debt collector and answered, "We collect debts." We cite the opinion only for that description of the firm's work. It was a private lawsuit, and we don't treat its claims as facts.
Why Love, Beal & Nixon May Be Contacting You
A collection law firm usually becomes involved when a creditor wants to sue, or already has a judgment and wants to enforce it. A letter or court paper from Love, Beal & Nixon may concern a lawsuit being filed, a judgment entered against you, or a garnishment or other post-judgment step. Because the firm's records describe judgment enforcement, check whether a court case already exists. You may have been sued at an old address without knowing it. Court papers have deadlines, so read them the day they arrive.
How to Check a Debt Love, Beal & Nixon Says You Owe
- Look up the court case. Search the county court's records under your name to see whether a suit was filed and whether a judgment was entered. Texas residents can start with what to do first if you're sued.
- Make sure the papers are about you. Compare the name, the last four digits of the Social Security number and the address on the papers with your own.
- Use the validation process. If the firm's first communication is a letter, it must send the notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. Dispute in writing within the validation period and ask who the creditor is.
- Check the deadline to sue. Texas generally allows four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on consumer debts after that (Tex. Fin. Code § 392.307). Oklahoma and other states have their own rules.
What Love, Beal & Nixon Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). See can the collection law firm also be a debt collector? For this firm, that means:
- A letter on law-firm letterhead may not suggest an attorney has reviewed your file when no attorney has (15 U.S.C. § 1692e(3)).
- It may not falsely claim it will garnish or seize property it cannot lawfully take (15 U.S.C. § 1692e(4)).
- Some states, including Oklahoma, allow wage garnishment after a judgment. Texas does not allow it for ordinary consumer debts (Tex. Const. art. XVI, § 28). See can a creditor garnish my wages in Texas?
- It must limit calls to seven in seven days per account (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Love, Beal & Nixon. For help with a collection suit or judgment, contact our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Love, Beal & Nixon, P.C. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Love, Beal, and Nixon, P.C. (facts only)
- Opinion and order, No. 14-CV-65 (N.D. Okla. July 24, 2015), via Justia
- CFPB enforcement actions search: Love Beal
- CFPB Consumer Complaint Database: Love, Beal & Nixon, P.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Love, Beal & Nixon, P.C. has violated any law. Company details change; tell us if something here is out of date.