anyone with info on LB&N in Okla?

anyone hada run in with love, beal & nixon in Okla?? I'm wondering if they are JDB or a regular CA??? I'm finding mixed info on the net...(imagine that) I'm trying to get all my penguin's in a row before I get served.

also, after you answer the summons with your denial & affirmative defenses...
can you request admissions? how do you do that....
then when you get those back, then do you request discovery? then request interrog?
Or am I backazzwards??

oh yea...if I Dv's another company, they signed & returned the green card yet keep calling, what should I do?

I know ya'll might have similar money situations...but I wish you all a happy holiday anyway! I'm there with ya dear!!!

Did you include a limited C&D with your DV letter? If not they will continue to call.

Read More on LB&N at Bud Hibbs

http://www.budhibbs.com/debtcollecto..._and_nixon.htm

Also note that there is no provision for a "limited C&D" in the fdcpa. I would send a follow up DV to them and add ALL CALLS TO MY HOME AND CELL ARE RECORDED and then record every call.

I've never had prior contact with LB&N, I was trying to find out if anyone else had dealt with them before, if they knew if they were a JDB or not.

The other CA that keeps calling get thier DV & Cease communications letter, certified and the receipt mailed back to me on Monday. They keep calling my cell phone all day. I don't answer, I'm not wastingmy minutes...LOL

But wouldn't that be violations, for them calling after getting my letter? Should I send them another one telling them they are violating and I'll take them to Fed Court???

Any ideas?

If your DV was timely (w/in 30 days of receiving their initial dunning letter) and they have not validated the debt, then further collection attempts are a violation.

Thankx Nascar!!! I thought that is the way I understood it, but wanted to verify that I was not having a semi-senior moment!! LMAO....

well, actually, they(portfolio) have never contacted me about the alleged debt..I ran my credit report and found them on there last week. No prior calls or letters...But I put on my letter with them, This is mailed in response to your business being on my credit report. I have received no prior contact via phone or letters from your company....then all my other blah blah blah stuff....

this makes the second collector that hasn't previously contacted me! What is up with them doing that...yeesh..

I do know where I live they file tons of suits, don't know the outcome, only that they file. Do as Nascar suggested, read Bud Hibbs about them. Be sure and answer any summons they send, they,a nd other DC hope to win by default..Good Luck..karen

got an update...

last night, my cell phone took a voice mail message from someone at LB&N...they've never called before...weird. still haven't been served. I have no clue what kinda crap they are fixin to pull...but I've read through all kinds of boards and printed off tons of info...so I hope that helps.

Where I live, they file suits by the hundreds...litterally, and 98% are won by default. The others are won because the defendant failed to answer something. The ones that go beyond that look to be dismissed. I've not found one where they have won through the process.

I hope you all have a very Merry Christmas/Happy Holidays.

Peace be with you....

Thanks Sphere- Hope you have a blessed Christmas--Let us know what thappens..karen

update....funny how I post stuff on here and whamo, my cell starts ringing. I've had no prior contact with LB&N prior to them filing suit, however, I ask questions about them/the suit on here and I get two calls last week about it from them.

So, can I consider that initial contact and send them DV letter certified?? Since this is already jacked up anyway...will it hurt or help when it comes court time that I doing what I need to do.....since they never contacted me prior to, I would think this would help...

Any thoughts???

have you ever been formally served yet?i haven't heard that you have yet.

nope. nothing yet. I check oscn everyday though. my boyfriend was in the hosp for a week with MRSA so I was there alot. Course I work Fri & Sat nights at the bar...but still....it's weird they called now...after how long...ugh...very frustrating.

But, I guess I will go ahead and send a DV letter, since I have thier number on my cell phone and it's contact....hopefully that will help me.

You don't think they are calling to settle do you? that would b e weird being they jumped the gun and filed suit first....weird...

How was your holidays Paul??

it was good.hope yours was good all things considered.yes send the DV letter.keep up on whether they serve you and when,but the letter will keep them in line.come to think of it that does sound like how a bottomfeeder operates.if you don't settle then they file.i noticed nascar is around again.maybe he can shed more light here.

good...I noticed NASCAR has a ton of info about these things...so I hope he can help.

I found it odd that I've been whining about them not contacting me prior to filing suit, and I'll be dipped in stuff if they didn't call last week, not once, but twice.

weird....

oops...sorry. I must have not signed in yesterday when I posted that...LOL..I'm a goober...

So sphere- you haven't been served yet right? Did they send something in the mail that you were being sued, or say it over the phone? You may have mentioned it, but,I ,too, am a goober sometimes

In addition to looking at the oscn--check with your court clerk about any suits. My daughter-in-law has a suit, and it still isn't showing up on oscn.

Let us know what happens..good luck..karen