JBC LEGAL GROUP, JBC & Associates RIPOFF -asking to pay "bounced check" from 1997 Bloomfield New Jersey

I would file a complaint with the New Jersey Attorney General's office. I contacted them yesterday and they informed me they are considering or they are (can't remember now) taking action against them. You may want to contact them so they have additional information to add to any complaints they filed.

Carl, that sample letter was a thing of beauty (albeit the "no dangling prepositions" rule was violated a few times). Was that a form or did you devise that yourself? If you came up with that yourself, color me impressed.

Send them a dispute letter under the Federal Fair Debt Collection Practices Act and instruct them not to contact you anymore. If they do, consult an attorney. Here is a sample letter:

Today's Date

Your Name
Your Address

Collector's Name
Collector's Address

Dear {insert name of collector or company},

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe that I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Identify the original creditor;
Provide a verification or copy of any judgment (if applicable);
Show me that you are licensed in my state, and provide me with your license numbers (if applicable).
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

You cannot add interest or fees accept those allowed by the original contract and state law.
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt.
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA.
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805(c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.

Signature here

if they are saying it was owed from a bad check writen in 1997, then the statute of limitations is up on it. in new jersey there is a 6 year statute of limitations on credit debt owed. so next time they call you ask for them to give you the date of the bad check and say isn't that over the statute of limitations?

im not a lawyer so don't take what i say as 100% plus i dont know the reason the check was for. but if it was for a credit card or something of that nature of credit. look into it. i have done some research and JBC had tried to take me to court a year ago on an old debt. after me replying in my answer to the court it was an old debt over 6 years, JBC never showed for court and the judge threw there complaint/suit out of court...