• Report: #121352
Complaint Review:

JBC Legal Group, JBC & Associates

  • Submitted: Sun, December 05, 2004
  • Updated: Mon, December 06, 2004

  • Reported By:Charleston West Virginia
JBC Legal Group, JBC & Associates
2 Broad Street Bloomfield, New Jersey U.S.A.
  • Phone: 800-2411510
  • Web:
  • Category: Lawyers

JBC Legal Group, JBC & Associates, Outsource Recovery Management ripoff illegal collections fraud fabricated debts deceptive practices attorneys and lawyers Bloomfield New Jersey

*Consumer Comment: Are you sure the federal courts are your best option?

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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!

Charleston, West Virginia

This report was posted on Ripoff Report on 12/05/2004 02:31 PM and is a permanent record located here: http://www.ripoffreport.com/reports/jbc-legal-group-jbc-associates/bloomfield-new-jersey-07880/jbc-legal-group-jbc-associates-outsource-recovery-management-ripoff-illegal-collection-121352. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Are you sure the federal courts are your best option?

AUTHOR: Tim - (U.S.A.)

James, I'm assuming (since you're a paralegal and at least have ready access to free legal advice, if not personal knowledge) that you understand the difference between "choice of forum" and "choice of laws," right?

The controlling substantive laws will be the same regardless of whether you choose federal or state courts (see Erie and its progeny). Even though you are suing under federal laws, you must also ensure that these laws carry federal subject matter jurisdiction with them (since this is not a valid diversity claim). If you actually can sue in fed courts, and if there are procedural advantages (i.e. notice, etc.) to using the federal system, then I'd say go that route. If not, you still have the same "rights" if you take your claim to state court (just as you retain your substantive rights under state law if you litigate in federal court), and the state court might be faster and generally easier.

Another of my concerns with going through the federal system would be that JBC will come down with the full force of their legal department to avoid setting adverse precedent in the federal system. They may try to "motion" your case out of existence. In the state court, however, they may have less of a deire to vigorously defend themselves and offer a quick compromise. Who knows.

At any rate, I'm not qualified to tell you whether fed or state would be a better option. I just hope that your choice of the federal forum is based on your likelihood and ease of success, and not on the notion that the federal courts are more intimidating.

Best of luck, I hope you've got some good attorneys helping you out on this. There are alot of us who would love to see JBC taken down for their repeated violations of the FDCPA, various state laws, etc.

None of the above statements should be construed as competent legal advice. If I got something wrong, please point it out.
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