I am writing about debt collection and suits for judgment by Love, Beal & Nixon (LBN) on behalf of some bottom feeding junk debt buyers. I understand that LBN and the collectors are some of the worst.
Quick background: We were doing okay until husband got sick and lost his business in Texas. We retired and moved to Oklahoma to take care of elderly in-laws. Our income has been reduced accordingly and we have had resultant financial problems. I don't deny some of the debts but I do not agree with the inflated amounts and don't agree that I owe the bottom feeding junk debt buyers.
We have received summons by LBN on behalf of the collectors. I filed answers in court to the Petition relating to one and just received a new summons.in the petition we were instructed to request validation and file an answer within 35 days. I requested validation and received nothing but a letter from LBN with the OC's name and address. I filed answers and affirmative defenses. Now we are waiting on a hearing date I assume.
I understand the next step is discovery which I am working on. I have done a lot of research but don't quite understand the process even after researching the OK court rules and procedures. I have a few questions to start.
1. Do I go ahead and send my discovery pleadings to LBN and file a copy with the court or do I wait to request a discovery motion at a hearing? I cannot find a concrete method here. The OK ROP just states parties may file discovery without leave of court - I assume that means go ahead?
2.in their petition, they say the debts were "assigned" to them from the OC - does this mean they have more rights than if it were purchased?
3. Also, if anyone else has dealt with LBN in court on a pro-se basis, can you give me a few pointers?
Thanks so much for any suggestions!
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