Now... this hopefully will help a lot of people regarding this crooked corporation collectively known as JBC LEGAL GROUP. Granted, the "legal division" of this "firm" does have several licensed attorneys in it. This is where their professionalism ends.
JBC & Associates placed on my credit report two "debts" in the amounts of $112.00 and $136.00. These go back to May 2004 collectively. After doing research on my own accord, and prior to contacting this company, I found they are in the business of collecting on dishonored checks. This is where many flags set off for me as I did not have a checking account for three years prior to this time. When I called them, I got JBC Legal Group - - not the independent arm of JBC & Associates, which if you check their telephone number using a reverse search, you get that it is Outsource Recovery Management.
Upon the call with them, I found they have two outstanding checks from ... get this .. 1997. Tehy told me the checks totalled approximately $986.86. I have been a certified paralegal for the past six years, and know full-well they can no longer collect nor report on these checks, and told them so. I also politely asked for the information which I was seeking, being these two checks in the amounts of $112.00 and $136.00. They said they show no information on these checks, and that all of their information isnt in their computers yet. (Now, if the agency is able to have enough information to know that it is past the 30 day period allowed by law under the Fair Credit Reporting Act (FCRA), found at ____________________________, to report it to the credit bureaus, then they must also know the debt, when it was due, etc.; which they cannot provide for me.
Now I am getting furious because they are giving me the runaround, and they transfer me to a supervisor. Shetells me that this is a true debt and they have only the information they gave me and that they dont report information to the credit bureaus; that their client may but they dont themselves. I explained it is showing under their name, and she said I must be mistaken because they don't do it. (Hmmm... then what is it doing there?!?!?!?! And I think I can read four short words like JBC & Assoc., Bloomfield, NJ if I can sit down and read avidly US Supreme Court opinions!)
So now I am suing them in the US District Court, utilizing every last right I have under all Federal Laws, waiving any right by State since I will get further with Federal Law. Additioanlly, since they use interstate mail, they are not only breaking the Federal Consumer Credit Protection laws, but they are also commiting mail fraud.... a much much more serious offense. As a result, I am also forwarding a courtesy copy of the lawsuit to the Postal Inspector General for his own records and informations o he is aware of what it is this company is doing to the general public.
Dont put up with their tactics or be intimidated. If statutes of limitations have passed, they cant doa thing ... also don't let your rights as a consumer be compromised. It is companies like this that make things so hard in such times as we are in!
James
Charleston, West Virginia