Complaint Review: Jacob Law Collections Group

Scum, I do get your point with fee's and such.  I know cable and cell phones both tack on whatever they can.  But it is there in writing, ON my bill.   I don't care for underhanded tactets (SP?).   I do fell that ANY company are suppose to inform the consumer of additional fine , hence- fine print. 

You say that collection companies have fees and such, sure they do , operational etc., however, since agencies buy bad debit for pennies on the dollar, they in fact make their profit there w/o having to add on untold fees.    I'm sorry if you felt my post reponse was an attack.  Wasn't meant to be, I don't agree with some of your writings, but you did write your posts without attacks.

I get it. Its frustrating that we have to pay service fees for everything we do in this country. service fee to pay cable, electric, water, gas, so on and so forth. its not fair but something we are all subject to. and as bad as people may look at a debt collector they are trying to make it in this wonderful economy just like everyone else. The country is in worse debt than the actual consumers in this country. lead by example correct. so why are you mr brown. giving advice on debt when you yourself had to file bankruptcy. i think you need to keep all comments to yourself untill you know what you are talking about. as far as the 20 dollar fee, yes it may be a little outlandish but when you consider all the costs associated with holding one peace of delinquent debt i can understand it from being on this side of things. Its just like all those wonderful extra charges that the cell phone companies hit us with each month for things that we were never told about in the contract. just because you dont see where they can charge you these things doesnt mean that they cant. i suggest getting your bill paid out as quickly as possible to avoid as many fees and penalties as possible. end of story. I do expect to see an overhaul in the near future of the FDCPA, and in that we could see a stoppage to fees like this. untill then we are all at the mercy of the laws we help put into effect by voting for the true scum that we do. Politicians. That is someone you will never hear the truth from. 

I am only trying to be helpful in understanding your questions wal mart customer. if i have said anything to anyone that has offended them please accept my sincere appologies, but mr brown obviously has some information to gather before he continues to give incorrect advise on a message board. i thought these were for opinions and questions. not designed to tear down an individual because of their choice of profession. We are all trying to make it. And in this day and age as you can obviously tell. Debt Collection is a booming business model. I have debt to and i signed off on some of these same papers when i was young and dumb. If you call and attempt to make an actual effort to pay, you are better of than ignoring this as the interest on the accounts just continues to rise and you decide 5 years later when you have the money to pay it, it has s****.> again i am just trying to be of help to understand how things work when you default on things. 

Yours Truly

Scumoftheearth

I get it. Its frustrating that we have to pay service fees for everything we do in this country. service fee to pay cable, electric, water, gas, so on and so forth. its not fair but something we are all subject to. and as bad as people may look at a debt collector they are trying to make it in this wonderful economy just like everyone else. The country is in worse debt than the actual consumers in this country. lead by example correct. so why are you mr brown. giving advice on debt when you yourself had to file bankruptcy. i think you need to keep all comments to yourself untill you know what you are talking about. as far as the 20 dollar fee, yes it may be a little outlandish but when you consider all the costs associated with holding one peace of delinquent debt i can understand it from being on this side of things. Its just like all those wonderful extra charges that the cell phone companies hit us with each month for things that we were never told about in the contract. just because you dont see where they can charge you these things doesnt mean that they cant. i suggest getting your bill paid out as quickly as possible to avoid as many fees and penalties as possible. end of story. I do expect to see an overhaul in the near future of the FDCPA, and in that we could see a stoppage to fees like this. untill then we are all at the mercy of the laws we help put into effect by voting for the true scum that we do. Politicians. That is someone you will never hear the truth from. 

I am only trying to be helpful in understanding your questions wal mart customer. if i have said anything to anyone that has offended them please accept my sincere appologies, but mr brown obviously has some information to gather before he continues to give incorrect advise on a message board. i thought these were for opinions and questions. not designed to tear down an individual because of their choice of profession. We are all trying to make it. And in this day and age as you can obviously tell. Debt Collection is a booming business model. I have debt to and i signed off on some of these same papers when i was young and dumb. If you call and attempt to make an actual effort to pay, you are better of than ignoring this as the interest on the accounts just continues to rise and you decide 5 years later when you have the money to pay it, it has s****.> again i am just trying to be of help to understand how things work when you default on things. 

LMAO I would never be stupid enough to reject a summons.  Mr. Employee, they comment about the $500 is just as stupid.   You must think you toss about fairy dust and people take your word. As the other poster said, "SETUP".   Oh ignore the summons (auto win for collector), ignore the $500, you should be "OK", auto-win for the collector.    3/4 of what you wrote is not Consumer help, but collector help. I thank you for the morning entertainment.

Interesting screen name mr. Scumote. For your information I've been dealing with bottom feeders since the early '90s when my 5 employee company, including myself,  went bankrupt. So don't tell me I don't know what I'm talking about.
I worked 2 years as a part timer just to make ends meet. But thanks to finally finding a full time job and rental property I'm doing fine, thank you. I retired in '02. How about you?

But like Stacey said, and your screen name, you sound like one of them.

If they actually do serve you with papers do what I was told by a process server, ignore the stupid thing!

Are you DAFT Mr. Brown or are you a debt collector? 

NO CONSUMER should ever ignore a court summons-period.  This is exactly what most junk debt buyers HOPE FOR because when the consumer FAILS to RESPOND to the summons they win a default JUDGMENT against the consumer.

I have no real problem with the 24.99% interest, I don't like it, but I know why.  What gets me
is the $20.00 processing fee for EACH payment they receive.  They refuse a bank check/money order, they insists on direct bank deduction and charge $20 for doing this process.  Which of course is why they will not accept payments via snail mail.   Not to mention I was not told about this fee, NOR is it listed in the letter they sent me confirming an upcoming payment deduction.  THIS is what
ticks me off. 

I cannot just skip paying them.  I know they are wolves, but I don't need more crap on my credit
report.  Takes a minute to bring the score down and forever to rebuilt (which we are doing now). 
The wolves don't scare me, LMAO, hell no.

I have researched and research MS and Illinois laws looking for processing fees and can't find a thing.   Frustrating to find our Government puts out info for consumers, yet make it so conviluted.

Get real!! You work for a third party debt collector and buy old accounts for pennies on the dollar, inflate them and will do anything to make your commission.

News for you - I sued one of you idiots and won! Funny how these losers want my money but won't pay up when a judgement has been entered against losers agencies!

Pretty simple right. Let me start by stating to the consumer with the wal mart account. I suggest to you to look up and read the FDCPA Laws. It is the Fair Debt Collection Practices Act which every debt collector at the firm must know and go by. The misfortune you are dealing with about the 24.99% interest rate is in the fine print on the wal mart credit card application that you signed the day you wanted your card. only it doesnt take effect untill you default on your payments. at that time you are at the mercey of the contract. To go along with my above statement about the FDCPA, look up the laws for yourself and dont listen to me or Mr. Brown who obviously has no clue what hes talking about, is not a lawyer, and is more than likely worse off than you are. the most common mistake i see in the business is people just not doing anything about their bills as YES certain agency can sue CERTAIN individuals in CERTAIN states. look into all the things i capitalized and see what applies to your state laws. If you owe less than 500 bux anywhere your probably ok and will not face any legal proceedings. if you owe more than that however depending on the state you reside in and their governing collection laws, you will never know what you could be subject to when you default on these contracts. YES the jacob law group/jacob collection group ha just as many rights as any other collection agency/ law office in the country. what you all need to understand is that a collection agency dealing with these particular credit cards must have the backing of an actual attorney and follow the state and federal laws that we are all governed by. Every debt collector has their own way of getting people to pay. when it comes down to it and you want to take care of your obligation...there are usually no hard feelings felt from either side of the telephone. Research it for yourself. dont make a mistake of listening to anyone that could give you information that you will regret down the road.

sincerely,

Scumoftheearth.

I'm glad you've decided to contact Walmart about that bill. I can assure you the bill has probably been written off by walmart or the scam artists wouldn't be holding the paper now.
They might have one real lawyer on the payroll, I'd bet the rest aren't lawyers. If they are a law firm they must be supplimenting their salary by trying to scam people.
You can try to ignore their calls with a caller ID, but they'll keep trying. I know this for a fact!
If they actually do serve you with papers do what I was told by a process server, ignore the stupid thing!

When you made that one payment these oxygen thieves smelled blood and came after more.
Please do look up Bud Hibbs. He can put you in touch with a lawyer in your area that knows how to deal with these scum sucking bottom feeders. Good luck. As they say, BTDT.

 I have checked out the website.  Pretty clever of the company actually.  There is "a lawyer" in each JLG office (they have many branches" but are basically a collection group.   Good idea about
contacting Walmart.  I will see if I can get them to accept payment maybe, or at least a heads up. But I doubt Walmart will care about what happens after the account is sold. I don't think Walmart
will take any monies from me since I already made one payment to the wolves.  I will check out Budd, Thanks! ;)   I did contact a lawyer just to see if it is legal.  Will post the outcome of the findings.  

You check out their website. How old was this Walmart account?

  From my understanding it is a law firm/collection agency.  No law suit action by the firm has been taken.   I contacted them because of a collections notice I received from them.  so, I am a*s-uming this is a law firm that employs debit collectors?

Are you sure this is a real law firm? I don't think so, personally. What you need to do is contact Walmart and don't fall for a scam like this. If Walmart says they've already written this off, forget about it. These scum buy bad paper for cents on the dollar and usually try to collect more than the original amount. Tell them from now on to contact you by mail. In the meantime look up Bud Hibbs on the internet and read what he says.

And don't let them tell you they're sending the cops. This is a civil case, not criminal case.