I received a letter from this JBC Legal Group company on March 18th telling me that I passed bad checks on two companies using two different bank accounts. One of the companies was Central Hardware in 1993 for $36.19. The other was for T. J Maxx for $58.37 in 1996. The total they requested was $134.56. The letter said that if I disputed any of this I needed to notify the office within 30 days that this was not valid.
I did send a letter immediately telling them that I knew nothing about any of this. I did not have a bank account at either of the 2 banks and I most certainly did not write either of the checks. After about a month I then received another letter that began with "You have obviously chosen to ignore our previous communication demanding that you make restitution on an NSF check (s) written to Central Hardware". The anount they now said I owed was $418.24 They go on to say that I may be subject to statutory penalties equal to triple the amount of each check, up to $500 per check.
Also, that I may wish to settle this matter before they seek appropriate relief before a court of proper jurisdicion by a qualified attorney. There was not any cancelled check shown and only a partial bank account number for both of them. I found this website yesterday after receiving the second letter. I see that JBC has a scandalous reputation and is probably not even a law firm.
However, I am concerned that I need to get my name cleared of this. I had absolutely nothing to do with either of these checks, and I don't even know where they came up with the $418.24 in the second letter. They are obviously ignoring the letter that I sent to them telling them I'm not responsible. I am going to check to see how much it would cost to get a lawyer to help me clear this up. I know I should send a "Cease and desist" letter and letters to AG of New Jersey, BBB, and maybe USPS for mail fraud. But I am afraid that I will not handle this correctly.
Some say don't sign the C&D letter since they may forge your signature. Others say send a copy of your drivers license and SS nuber. I think that would be stupid. I also do not want them to know my phone number as it is unlisted and I don't think they know it. I want to make sure I nail these crooks for threatening me for something I am totally innocent of. Does anybody have any other advice for me? I see that there are 88 letters in this forum about this particular "law firm".
Please help and get this company stopped for all the innocent people they are targeting.
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