Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Hi Linda. My name is ***** ***** I will be helping you today! It will take me just a few minutes to type a response to your question. Thanks for your patience!
This is a total fraudulent and ongoing scam and violates both state and federal law. They're not going to file any suit; they're just trying to intimidate you into paying something you don't owe. Respond to the agency by informing them that you do not owe this debt, that even if you did, the statute of limitations has run, that their communication violates Federal and state law, and demand he immediately cease and desist all further efforts to contact you and/or anyone else to collect this debt. Inform him that his threats of criminal prosecution constitute a violation of state law and the Federal Fair Debt Collection Practices Act and that you will be reporting each and every violation to your state's attorney general's office and the Federal Trade Commission. Each violation carries at least a $1,000 fine at the Federal level. Also let him know that should he be stupid enough to file any negative credit report, you will be filing a defamation suit against him for both your actual and punitive damages. In my experience, the fines under the Federal Act, and the report to the attorney general's office, and the threat of the defamation should be an end to these collection efforts.
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Believe me, they are not going to do any of this; they have no legitimate case or basis for a law firm; they are merely telling you this to scare you. They are not going to file any suit; they are simply a collection agency violating Federal law.
Hi there. I keep getting "payment failure" message. But, I promise you they are not going to do anything of these things. They threaten these things because they work to scare people into paying money they do not owe. Please don't let them intimidate you!!!
I will contact customer service on your behalf to see if they can help. This is what I see: "Status: payment failure." Thanks for your patience!
Good morning. Did you ever hear anything from customer service? Thanks!
I can't access the phone call until payment goes through...it's the way JA works. They will not go to court with this; they're simply trying to scare you. Too often it works, but please don't let them.
Hi there. Can I help further?
They will not take this to court. They may be a legal company, but they do not have a legally valid claim. There are simply trying to intimidate you into paying you something you don't owe.