Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I hereby submit this formal complaint regarding the mishandling of my familys debt accounts and the ongoing wage garnishment proceedings involving XXXX, XXXX XXXX, and the law firm Love, Beal & Nixon . This correspondence outlines the factual background, legal concerns, and demands for immediate remedial action. 

Factual Background : In XXXX, my family and I relocated from XXXX  to XXXX XXXX XXXX, XXXX, XXXX  [ zip to be confirmed ], to be near my mother. Unbeknownst to us, the residence suffered from severe mold contamination, which caused significant health problems, including multiple hospitalizations for my son, who was being treated for XXXX. 

The mold situation forced us to live separately for a period, with me staying at my aunts residence while my husband remained at the mold-affected home. We experienced substantial medical expenses and lost income. To cover these costs, we sold previously owned vehicles that were fully paid off, causing further financial hardship. 

In XX/XX/XXXX, we moved back to XXXX, residing at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX until XX/XX/XXXX, and then at XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

During this period, I worked for the XXXX  XXXX XXXX XXXX as an XXXX XXXX  and later for XXXX XXXX XXXX XXXX. 

In XXXX, I attempted to establish payment arrangements with XXXX, but was subjected to unprofessional conduct, including derogatory remarks about my speech impediment. Furthermore, XXXX unilaterally canceled our automatic payment agreement without authorization, leading to repossession of our vehicle despite my attempts to remain current on payments. 

After returning the repossessed vehicle, we purchased a XXXX from XXXX XXXX XXXX, a local dealership with whom I had a prior relationship. This vehicle presented additional mechanical and contractual challenges. 

I have disputed multiple debt claims, including healthcare-related bills that XXXX XXXX  is actively pursuing. Despite submitting disputes to all three major credit reporting agencies, no corrective actions have been taken. 

Love, Beal & Nixon have refused to communicate or negotiate despite repeated attempts to resolve these issues amicably. 

Given my professional experience in claims adjustment and contract law, I am fully aware of my rights and expect adherence to legal and ethical standards by all parties. 

Legal Issues and Violations : The unauthorized termination of automatic payments by XXXX constitutes a breach of contract and violation of Oklahoma consumer protection laws. 

Harvest Collections and Love, Beal & Nixons debt collection practices violate the XXXX  Fair Debt Collection Practices Act, involving predatory and abusive conduct. 

Failure to verify disputed debts and continuing collection efforts after proper dispute notice violates federal and state laws. 

Harassment and discriminatory treatment by representatives breach principles of fair dealing and consumer protection statutes.

Demands : Immediate cessation of all wage garnishments against my husband. 

A full audit and verification of all debts claimed by XXXX XXXX  and Love, Beal & Nixon, with correction or deletion of any inaccuracies. 

A written explanation from Love, Beal & Nixon detailing their refusal to negotiate or respond in good faith. 

Correction of all inaccurate credit reporting resulting from these disputes. 

Assurance of professional, respectful, and lawful communication henceforth. 

Timely disclosure from XXXX XXXX regarding the status of our accounts and any pending legal proceedings. 



Thank you for your immediate attention to this serious matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation