Frustrated
Broken Arrow,#2Consumer Suggestion
Thu, August 30, 2007
Just got back from court for a scheduled hearing with LBN and all that it entails. After weeks of preparation with searching this site and others along with local legal advice, I walked into that courtroom today almost terrified. There were at least 75 men in dark suits standing around the room and I was sure that there was THE one out there waiting to attack. I was the only case on record today representing myself without counsel. After the judge called at least 25 cases before me and emptied out the room, I was left there with maybe 2-3 other men,,, I was the only lady in the room. He called my case and I choked on my name as walking up to the bench,, but low and behold, LBN was a no show. The judge had all of my documentation in his records as I had copied the court on all correspondence that I sent them. They never replied to any of my requests to verify the debt.(The summons was in Dec. 06) I have just walked out of the courtroom with a dismissal of over $11,000 mainly because I was present at the hearing. It was without prejudice, which means that they may come back and file again, but most unlikely after their lack of appearance. LBN could not prove the alleged debt and already had letters in their possession with my request to do so. Anyway,, there is hope out there, don't give up, keep fighting them.
Frustrated
Broken Arrow,#3Consumer Suggestion
Thu, August 30, 2007
Just got back from court for a scheduled hearing with LBN and all that it entails. After weeks of preparation with searching this site and others along with local legal advice, I walked into that courtroom today almost terrified. There were at least 75 men in dark suits standing around the room and I was sure that there was THE one out there waiting to attack. I was the only case on record today representing myself without counsel. After the judge called at least 25 cases before me and emptied out the room, I was left there with maybe 2-3 other men,,, I was the only lady in the room. He called my case and I choked on my name as walking up to the bench,, but low and behold, LBN was a no show. The judge had all of my documentation in his records as I had copied the court on all correspondence that I sent them. They never replied to any of my requests to verify the debt.(The summons was in Dec. 06) I have just walked out of the courtroom with a dismissal of over $11,000 mainly because I was present at the hearing. It was without prejudice, which means that they may come back and file again, but most unlikely after their lack of appearance. LBN could not prove the alleged debt and already had letters in their possession with my request to do so. Anyway,, there is hope out there, don't give up, keep fighting them.
Frustrated
Broken Arrow,#4Consumer Suggestion
Thu, August 30, 2007
Just got back from court for a scheduled hearing with LBN and all that it entails. After weeks of preparation with searching this site and others along with local legal advice, I walked into that courtroom today almost terrified. There were at least 75 men in dark suits standing around the room and I was sure that there was THE one out there waiting to attack. I was the only case on record today representing myself without counsel. After the judge called at least 25 cases before me and emptied out the room, I was left there with maybe 2-3 other men,,, I was the only lady in the room. He called my case and I choked on my name as walking up to the bench,, but low and behold, LBN was a no show. The judge had all of my documentation in his records as I had copied the court on all correspondence that I sent them. They never replied to any of my requests to verify the debt.(The summons was in Dec. 06) I have just walked out of the courtroom with a dismissal of over $11,000 mainly because I was present at the hearing. It was without prejudice, which means that they may come back and file again, but most unlikely after their lack of appearance. LBN could not prove the alleged debt and already had letters in their possession with my request to do so. Anyway,, there is hope out there, don't give up, keep fighting them.
Frustrated
Broken Arrow,#5Consumer Suggestion
Thu, August 30, 2007
Just got back from court for a scheduled hearing with LBN and all that it entails. After weeks of preparation with searching this site and others along with local legal advice, I walked into that courtroom today almost terrified. There were at least 75 men in dark suits standing around the room and I was sure that there was THE one out there waiting to attack. I was the only case on record today representing myself without counsel. After the judge called at least 25 cases before me and emptied out the room, I was left there with maybe 2-3 other men,,, I was the only lady in the room. He called my case and I choked on my name as walking up to the bench,, but low and behold, LBN was a no show. The judge had all of my documentation in his records as I had copied the court on all correspondence that I sent them. They never replied to any of my requests to verify the debt.(The summons was in Dec. 06) I have just walked out of the courtroom with a dismissal of over $11,000 mainly because I was present at the hearing. It was without prejudice, which means that they may come back and file again, but most unlikely after their lack of appearance. LBN could not prove the alleged debt and already had letters in their possession with my request to do so. Anyway,, there is hope out there, don't give up, keep fighting them.
Kat14
Sapulpa,#6Consumer Comment
Thu, August 30, 2007
Was served today with a summons that I am being sued by Loev, Beal & Nixon for a Capital One Credit Card. The Summons arrived today and was given to my daugter to give to me. Love, Beal and Nixon has contacted me at home, work and my cell phone. When they first contacted me I said that I had not used this card since 2003. They said I owed 880.00 + 246 in finace charges. I told them the card was only had a 500.00 limit and I would make payment arrangements, they said I had to pay in full or they would sue me. They also tolad me what was on my credit report. Can anyone help, can they look into your credit? Can someone tell me what to do now. It says I have 35 days to respond to the court in the Petetion. What are my options?
Jessica
OKLAHOMA CITY,#7Consumer Comment
Thu, August 16, 2007
"P" - Congrats on your win!! I would love to have copies of your documents you used as I am running out of time. I cannot afford a lawyer and quite honestly do not understand the justice system and how all of this works :( I am gonna try my hardest though and fight these jerks. Thanks!!
James
Madill,#8Consumer Comment
Mon, January 01, 2007
Congratulations on beating these scumbags in court. I am dealing with the same scumbags right now. In your last response you stated that you had links to your copies of the forms that filed in beating these guys. Where are the links located? I need help in the formating of such letters to file with court. Could you please Help? Thanks
Steve
Bradenton,#9Consumer Suggestion
Sat, September 23, 2006
Warren, Just go to your clerk of court and look in the recent filings. These are public record. Just tell the clerk what type of filing you need to look at. They usually have a computer right there you can use. Look up Love, Beal and Nixon!
Warren
Catoosa,#10Consumer Comment
Sat, September 23, 2006
"P" in Sapulpa, would you be able to send me a copy of your answer to the Summons and Petition? I am about to have to deal with these people, but have no idea how to word my answer for the courts. My case sounds almost exactly like yours, so some light modifications will probably do the job. My email is (((ROR redacted - see below))) Thanks in advance! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Steve
Bradenton,#11Consumer Suggestion
Tue, August 29, 2006
L.J., It is very important to NEVER return any call to a debt collector. It will never do anything positive for you. It will only make your problem worse. You need to send a CEASE COMMUNICATIONS request right away. Send this letter by certified mail, return reciept requested. DO NOT sign the letter, PRINT ONLY. Be sure to put the certified# on the letter itself and keep a copy for your records. In this letter clearly dispute the debt and clearly state that they are not to contact you or anyone else for any reason again in regards to this matter. Do not give them any information they do not have already. Never refer to any "account" # as this can create a business relationship. Always use "re: Your reference#". Even calling a toll free# to a debt collector can reveal your UNLISTED# to them as well as your address. This is a service they pay for. You cannot block it. These JDB's buy very old debts with little or zero account/personal information. Then everyone with the same or similar name gets contacted. They are fishing, so don't bite!
Steve
Bradenton,#12Consumer Suggestion
Tue, August 29, 2006
L.J., It is very important to NEVER return any call to a debt collector. It will never do anything positive for you. It will only make your problem worse. You need to send a CEASE COMMUNICATIONS request right away. Send this letter by certified mail, return reciept requested. DO NOT sign the letter, PRINT ONLY. Be sure to put the certified# on the letter itself and keep a copy for your records. In this letter clearly dispute the debt and clearly state that they are not to contact you or anyone else for any reason again in regards to this matter. Do not give them any information they do not have already. Never refer to any "account" # as this can create a business relationship. Always use "re: Your reference#". Even calling a toll free# to a debt collector can reveal your UNLISTED# to them as well as your address. This is a service they pay for. You cannot block it. These JDB's buy very old debts with little or zero account/personal information. Then everyone with the same or similar name gets contacted. They are fishing, so don't bite!
L.j.
Mannford,#13Consumer Comment
Tue, August 29, 2006
I have recently been contacted by this "Law Firm". A woman named Tracy Howard initially contacted my parents asking if I was home. I am in my mid 40's and haven't lived "at home" since I was 17 years old! My mother gave this woman no information but called me and told me about the call. This woman had left a phone number with my mother so I called it wondering why a law firm from OKC would be trying to locate me. After several unsuccessful attempts to make contact with this Tracy Howard, I finally got in touch with her to inquire why she might be trying to locate me. Ms. Howard informed me that her firm would be sueing me the next day in an attempt to collect a $4k debt in which I owed. I asked for whom I owed this debt since I was apparently speaking with a "Law Firm" based on the recording I got when I dialed their phone number. She informed me that her "firm" had sent me a letter in December of last year. I responded that I have never received any letter from a "Love, Beal & Nixon" but if I had, I surely would have responded accordingly. I was told that her firm was hired to collect a debt for a MasterCard credit card for which I have no recollection of ever having. Ms. Howard informed me that the account went into default sometime in 2003. I politely informed Ms. Howard that I've not had a MasterCard nor did I owe anyone $4k. She asked what I wanted to do to resolve this matter and I told her to please send me whatever documentation she had proving I was in debt for this $4k. She responded with I would need to send her firm a letter requesting information regarding my "account". I asked why I should write some letter to request for some supposed "account" she claims I have when I was speaking with her on the phone and asking for the same. Ms. Howard refused to provide me with any additional information regarding this matter and informed me that she would "let the attorney representing this case" know that I was refusing to cooperate. I informed her that if she could provide me with something on paper, I would be more than happy to turn it over to my attorney for review. Two days later, this Ms. Howard contacted me at home and asked what I planned to do regarding this matter. I again informed Ms. Howard that I had no intent of writing a letter for which I would not know how to address or for what to specifically inquire about so if she wanted a response from me and/or my attorney, I strongly urge her to send me all information she might have regarding this matter. She again told me that she would inform "the representative" of my unwillingness to cooperate. I would like to thank all those who have posted here regarding these bloodsuckers. Without the information I've found here, I would not have ever known if these morons were legit or not. Again, many thanks to all who have dealt with this "firm" before me.
Leesa
Oklahoma City,#14Consumer Comment
Tue, June 20, 2006
P- I am glad to see you won your case with LBN. I am currently in battle with them myself, and would love to see any info you might have to help me to win as well. It is so awesome to see someone beat this blood sucking leaches. Way to Go!
Steve
Bradenton,#15Consumer Comment
Tue, May 16, 2006
You are all done. They cannot contact you again on this, and there is no reason to appeal. LBN only takes the easy default money. They are not that bright, and the lawyeres in the firm are incompetent at best. I beat them by getting a dismissal due to improper service and failure to respond to discovery request. FYI...Thoes "INTERROGATORIES" and copies of documents they asked you for, are a scam. The defendant is NEVER required to incriminate him/herself. The burden of proof is always on the plaintiff to prove that you owe the money. NEVER provide any of this information! The law does not require you to as the defendant. Keep all court case and dismissal information, just in case they try to resell it. It is perfect grounds to sue them. Now you can sue them for any FTC violations they engaged in!
Steve
Bradenton,#16Consumer Comment
Tue, May 16, 2006
You are all done. They cannot contact you again on this, and there is no reason to appeal. LBN only takes the easy default money. They are not that bright, and the lawyeres in the firm are incompetent at best. I beat them by getting a dismissal due to improper service and failure to respond to discovery request. FYI...Thoes "INTERROGATORIES" and copies of documents they asked you for, are a scam. The defendant is NEVER required to incriminate him/herself. The burden of proof is always on the plaintiff to prove that you owe the money. NEVER provide any of this information! The law does not require you to as the defendant. Keep all court case and dismissal information, just in case they try to resell it. It is perfect grounds to sue them. Now you can sue them for any FTC violations they engaged in!