In March I received a letter from JBC Legal Group stating they were collecting a bad check debt dated in 1995 for about $150, then a second letter came 30 days later for triple the amount. I had no idea what check they were referring to, but I checked the statutes in my state. I knew legally they could not collect on a debt that was almost 9 years old when the SOL had expired. I wrote them a cease and desist letter, and stated should they try to pursue the matter in court I would use the expired statute of limitations defense to have the case dismissed.
Six months later I recieve another letter. This time it states they will reduce the amount I owe to half, and they will assist me in updating my credit report in regards to this debt. I am not sure if it is on my credit, but I am going to check it.
I called and told them they were violating the Fair Debt Collection Practices Act by contacting me because I sent a cease and desist letter. Three times they hung up on me. They were extremely rude and said this debt is not going away. They said there were no statutes to prevent them contacting me at anytime.
I should have known it was a scam when the collectors were extremely defensive and hung up on me. I decided to do some research on the internet, and I found this website.
Now, I am not sure how they found out my current address. It's been 9 years, and I have moved quite a few times because my husbands occupation demands it. They probaly obtained my current information illegally by checking my credit report. All they need is a name and a social, which I am sure they got easily from obtaining old checks.
This company obviously violates the law for their convenience.
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