I was contacted by JBC & Associates first by a threatening letter stating I owed on two checks I had written for my daughter several years back.in this letter I was told I owed statutory penalties and interest. This was in 2003.
I contacted them by phone and I was told I had to pay this in full. After trying to reason with them about my fixed income, I was told to go rob a bank.
I hung up and called back and talked to a Joseph Townsend. Those checks were for $1,600.00 written to Earnhardt several years ago. At that time I had called Earnhardt because they had written promissory notes to hold those checks until my daughter gave the cash equivelent. I had told Earnhardt not to cash those checks and if she did not come up with the cash, I wanted those checks back. I even put a stop payment on them. They went ahead and sent those checks to a collection agency and even gave my daughter the car. Makes no sense but I was held accountable for those checks.
The first I heard about these checks was a year after I had written them with another collection agency. My daughter talked to them and said she was responsible and had agreed to make monthly payments. I was told everything had been settled and life went on.
Next time I heard about these checks is when JBC & Associates sent me the threatening letter in 2003. All that time had gone by and I did not even know I was still liable for these checks because last I heard was that my daughter and this other collection agency had settled this issue.
After talking to Joseph Townsend, several years later, in November of he said I could make payments. I wanted to work with them and pay these checks. Plus all the other monies they said I owed because of interest and so on not knowing that these extra little details of interest and penalties were a misrepresentation of the law.
Their letterhead denoting attorneys is also deceptive and threatening to the consumer. So consumers get caught up in their scam to pay and plus and plus to prevent being sued which they do not have any legal standing.
I sent my first payment through his request by Western Union in November. I continued to make these payments and in November I received a letter from JBC Legal Group stating I HAD REFUSED TO MAKE RESTITUION AND MY BALANCE WAS $2,321.62. Up till that point I had paid $1,948. And cents.
I called Joseph Townsend on his direct line since he told me he was handling my file and he told me to disregard the letter.
In January I sent another $262.00 to them and in Fegruary of 2005 I called him and left two messages since I had not heard from him. I was not even knowing what I owed anymore since the figures kept changing and I kept paying!!!
In March I sent another $160.00 and this time talked to a Linda Williams who told me I had not started making payments until May. I disputed this because I had started paying them in 2003. She continued to tell me I owed over $2,000.00 more.
Up to that point of March I had paid them over $2,370.00. Clearly I had paid those checks and given them $700.00. But I could not confirm this because my checks are at the bank. I had no idea I was going to have to get photocopies of canceled checks and call Western Union to have them find my first payment.
This took time and more money. When I received this information, I called Linda Williams. I had to read off my checks as she was still saying my first payment was in May for $40.00. I was sending them $300.00 and $200.00 payments. She obviously must not have had my file in order since I had to read off the amounts of these canceled checks!!!
She threatened me again saying I owed over $2,000.00 and I would be reported to Maricopa Courts here in Arizona. I told her to be my guest!!!
I have satisfied my debt and plus and I still had to spend more money getting canceled checks and my confirmation from Western Union.
I am filing complaints anywhere and everywhere. I never received any receipts from these extortionists, swindlers, thieves!!!
Susan
Phoenix, Arizona
U.S.A.
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