Complaint Review: Boyajian Law Offices - JBC Legal Group - JBC & Associates - Bloomfield New Jersey

James, The most important part of a lawsuit filing is proper form. Some courts will toss it if the format is wrong. They get real picky on this. You can pay a paralegal to lay it out usually for $30-$50, and you take it to the clerk of court and file it. At that time you will need to pay a process fee to get it served. Usually $25-$40. You will have about $100-$150 tied up, but keep records, as this comes back on top of your award. Keep all reciepts, even parking, tolls, mileage,postage, etc. EVERYTHING. Or just contact the NACA for an attorney in your area to do this. Some will assist pro-bono, or contingency. Some want cash up front. You just have to call around. >>>>>> Agency Details Boyajian Law Offices Aka / JBC Legal Group, P.C. Aka / JBC & Associates P.C. 2 Broad Street, 6th Floor Bloomfield, NJ 07003 Phone: (973) 259-1701 Fax: (973) 259-0497 Jack Hagop Boyajian Boyajian Law Offices, PC 201 Route 17 5th Floor Rutherford, NJ 07070 (800) 803-9804 (800) 803-9806 fax Web Address: www.boyajianlaw.com www.jbcfirm.com, www.jbclaw.net, www.jbclaw.org >>>>>>>>>> Head Debt Collector: Jack Hagop Boyajian, CA Bar #2023043 Parent Company: Outsource Recovery Management, Inc. Jack Boyajian, president Other Offices: JBC & Associates, P.C. 9465 Wilshire Boulevard Beverly Hills, California 90212 Phone: (310) 273-4580 Fax: (310) 888-1848 Bud Says From the CA State Bar website: This member is active and may practice law in California. NOT anywhere else!! To file an ethics complaint go to: http://www.calbar.ca.gov/state/calbar/calbar_generic.jsp?cid=10179 Rarely do we have to deal with slime as bad as this bottom-feeder, vulture who has a long history of violating all the collection laws in America. He is NOT licensed or bonded anywhere to collect debts. The accounts he is collecting on appear to be TIME BARRED BY STATUTE' meaning they are beyond the limits allowed by law, to collect. Jack the Rat has had problem in his past with the infamous JBC & Associates and JBC Legal Group. He employs criminals who are hell-bent on stealing as much money as possible from unsuspecting consumers. The good news is that Jack the Rat is incapable of suing anyone. He is barely holding on to his CA law license, so feel free to file ethics complaints to the web address listed above. Do NOT fall for the lies and threats of his (drug-induced?) debt collectors, who are desperate to make a paycheck at your expense. Like most con artists, they can only shoot off their mouths and have nothing to back it up, certainly NOT anything that resembles litigation. Send Jack the Rat back to the sewer where he belongs, by NOT sending him any money (you likely don't owe it anyway) and tell his future prison inmates you are not falling for their scam. To understand just what a piece of trash Jack the Rat' is, read this story about him from Wayne Ruple, a reporter for the Cleburne, AL News: 06-03-2005 PART I When Cleburne News employee Stacey Camp received a letter from Boyajian Law Offices saying she owed a past due amount for Verizon phone service she was about ready to pay the $215.49 to keep her credit clean. However, Camp couldn't exactly remember such a bill and when she called Boyajian in Rutherford, N.J. she was told it was from 14 years ago. She asked for a more detailed accounting but never got one - she isn't alone. An Internet search turns up plenty of complaints (see www.badbusinessbureau.com) and their consumer Rip-off Reports from Michigan, Ohio, California, Florida, New York, Virginia, New Jersey and others from Alabama including Enterprise and Troy. One victim from Troy, in his Rip-off Report said Boyajian was previously known as JBC & Associates or JBC Legal Group but after having been pursued by state and federal regulators in several states they reorganized as Boyajian Law Offices headed by Jack Boyajian. The victim says Boyajian is not licensed and has been denied a law license in New Jersey. Many victims say Boyajian is making up false claims (a majority dealing with Verizon phone service) and placing bad information on their credit reports. According to some victims Boyajian is also asking for Social Security numbers, copies of individual tax and military records and other private information. A quick check with the Better Business Bureau reveals that Boyajian has an unsatisfactory record with them due to unanswered complaints and the BBB of New Jersey has not been provided with basic information about the company. I'd throw the thing (collection letter) away, said a BBB spokeswoman in Birmingham. In a Nov. 2003 press release West Virginia Attorney General Darrell McGraw announced the filing of a petition asking the Kanawha Circuit Court to order JBC & Associates, a New Jersey collection agency, and its owner, Jack Boyajian, to produce records about its West Virginia collection activities as required by a subpoena issued by McGraw's office on August 11, 2003. McGraw's office opened an investigation of JBC after several consumers complained that the law firm/collection agency was attempting to coerce payments of alleged bad checks by threatening arrest and criminal prosecution, harassing consumers repeatedly by telephone, refusing to identify itself, and refusing to provide copies of canceled checks or other verification of debts when disputed by consumers. The AG's office also found that JBC was not licensed and bonded to collect debt in West Virginia. In Minnesota the story was the same. In a June 16, 2004 press release, the Office of Minnesota Attorney General Mike Hatch announced the filing of lawsuits against JBC & Associates for engaging in business practices which violate Minnesota debt collection and consumer protection laws. JBC was alleged to have used unlawful tactics to collect debts that were not valid or to collect money from the wrong consumer. Minnesota Solicitor General Lori Swanson noted that JBC coerced consumers into paying unsubstantiated debts and amounts that were not even owed by them in the first place. The lawsuit charged the company with failure to provide proper notices, false representation about the status or character of debt, attempts to collect on disputed debts without providing verification, unlawful threats to sue and false and misleading representation about civil penalties. JBC was particularly cited for unlawfully attempting to collect debts for its clients with threats of legal action that cannot be taken, failure to verify debts and making unwarranted threats to consumers. At the time, the Minnesota AG reported JBC to be a California professional corporation with headquarters at 2 Broad Street, 6th Floor, Bloomfield, NJ. The State of Connecticut has also taken action against the JBC Legal Group and on July 27, 2004 entered into a settlement based on an investigation by the state's Consumer Credit Division. They found that JBC acted as a consumer collection agency within Connecticut without a license. JBC agreed to cease operations there and were fined $18,000. In denying Jack Boyajian and JBC a license to operate in their state, investigators in Connecticut found that the Office of the Attorney General of the State of New Jersey received 126 complaints in 2003 concerning collection practices, failure to provide documents, billing disputes and harassment. They reported 14 lawsuits have been filed - 13 in federal district courts in several states and one in state court alleging violations of the Fair Debt Collection Practices Act and one certified class action lawsuit. JBC Legal Group does have a website which gives the Bloomfield, NJ address as well as their California address of 9465 Wilshire Blvd., Beverly Hills, CA. In their collection letter to Camp they use a 201 Route 17 North, Rutherford, NJ address and a letter heading imprint Boyajian Law Offices - A California Professional Corporation with 21 national offices. According to the website Jack Boyajian is a graduate of the Wharton School of Finance and Rutgers School of Law. Mr. Boyajian is a licensed real estate broker in the State of New Jersey and has a deep respect for community and family. A check at Whois.Net reveals the website registrant is JBC PC in Bloomfield, NJ. Their California office phone number has been disconnected but calls to their JBC Legal Group number confirmed JBC and Boyajian are all one and the same. Jeff Lamb with the New Jersey Attorney General's Office of Consumer Affairs told The Cleburne News that they have received 307 complaints since April 2001 from New Jersey residents alone citing harassment and refund problems. The Cleburne News contacted the Alabama Attorney General's office and spokeswoman Joy Patterson said, Our office has a record of eight complaints that were received fairly recently, so there is not yet information on how they may be resolved. The general nature of the complaints are that people believe they do not owe the money, generally that either they have paid the bills or are unfamiliar with the debt. Asked about the statute of limitations on debts in Alabama, Patterson said, it is not possible to answer that because any limits vary greatly depending on matters such the particular kind of debt and contracts involved. A business license is not required for out-of-state collection agencies to operate in Alabama. PART II Following an expose last week of a bill collection agency called Boyajian Law Offices, The Cleburne News received numerous phone calls and emails from local residents who have received communication from this group. Some residents reported they have already sent money to Boyajian while others praised the efforts of The Cleburne News in alerting consumers. The Alabama State Attorney General's office urges those consumers and others who may received a letter, phone call or email from Boyajian to contact the AG's Office of Consumer Protection at 1-800-392-5658. The Cleburne News also reported the local cases and our findings to the Montgomery based consumer action group Alabama Watch. Elizabeth Woodard of Micaville was one of the unlucky who sent Boyajian $337 before she read our report. Woodard said she talked with someone in Boyajian's office who had everything on me and threatened to call the police or sheriff and have her put in jail if she didn't immediately send the money. We didn't know what to do, said Woodard, who wired $337 and was then informed by Boyajian's office they never received it and demanded she send more. Another Heflin resident, who did not send money, said Boyijian had her Social Security number and knew how much money she draws and when she receives it. Many of the bills locals are receiving use Verizon as the firm the debt is supposedly owed. PART III A source, claiming to be a former employee of the New Jersey based Boyajian Law Office, has told The Cleburne News that the owner, Jack Boyajian, likes collecting debts in the South because, he thinks the people there are stupid and easily fooled into paying. For several weeks The Cleburne News has been publishing an ongoing expose of this law office and their collection practices - most of which are under investigation by numerous states attorney generals. The articles have drawn response from many Cleburne County residents who have been either victims of these collection efforts or who report they have received phone calls or demand letters. In addition The Cleburne News office has received phone calls and emails from as far away as Seattle, Washington and including numerous states, Texas, Massachusetts, Florida, Tennessee, Colorado and North Carolina. Our exposes have resulted in the most phone calls and emails than we have ever received on any story or article we have printed. In addition to forwarding our findings to the Alabama Attorney General's office and the consumer watchdog group Alabama Watch, we have also been asked for assistance from the Tennessee Bureau of Investigation who are looking into an incident in that state. TBI Investigator Mike Findley contacted The Cleburne News this week and said he his looking into an incident in Loudon in which a resident of public housing received a bill asking for $132 which was never owed. Findley said such use of the mail might result in charges of mail fraud if enough evidence can be gathered. He said that right now this one case is the only one he has seen in Tennessee. Meanwhile The Cleburne News received a call from a Massachusetts resident who said both he and his fianc received a bill, on the same day, from Boyajian Law Offices claiming they owed electric bills totaling $744 and $144 respectively. The bills were over 10 years old and were completely fictitious. Anthony D. Bower of the State of Washington called to report he went to get a mortgage loan and was turned down because he had two hits against him for bad checks - placed on his credit report by Boyajian in the sum of $430. My credit was top notch until this happened, Bower said. He said he called Boyajian and was told that Anthony W. Bower owed them money but they had no information on an Anthony D. Bower said he asked that they clean his credit report up since they apparently made the mistake but was told they could not do that. Our source told us, via email, that state and federal authorities are conducting investigations of Boyajian. A news crew was recently positioned outside the Rutherford, N.J. location. Boyajian threatened to fire anyone who spoke with the media, the source said. The source also told us that Boyajian frequently changes the name of the company to evade litigation and prosecution. (he has used JBC & Associates). Most of what he collects is not even owed. The rule there is basically to tell people anything to get them to pay, even if they owe nothing. You should also know that he is continuing to work in states where he is prohibited from doing so. I know that CT and WV have taken action against him, but it seems to be to no avail. A check of the JBC Legal Group website www.jbcfirm.com finds this, The class action lawsuit brought against JBC Legal Group, P.C. and its Principal, Jack Boyajian for residents of West Virginia has been dismissed by the Attorney General's Office.' But a statement from the West Virginia Attorney General's Office of Consumer Protection says, nothing could be further from the truth' and warns consumers to be aware of JBC's false claims. Meanwhile a Consumer Specialist with the Alabama State Attorney General's office has notified The Cleburne News employee who filed a complaint against Boyajian that a determination will be made as to the appropriate action to be taken. The Cleburne News asked the source we are in contact with how and where Boyajian gets his names and addresses. The source responded, Jack gets his checks from a few sources, mainly NCO (another agency). NCO gives him checks that they cannot collect. These checks are purchased by an outfit called Marlin Integrated Capital owned by Warren Dedrick. Marlin places the checks with NCO for collection and they are then passed onto Boyajian after some period of time. They begin with a legitimate debt and then search for an updated address. This is less than an exact science and it is common to find a different person who merely has the same name. Jack's policy is basically that whoever he makes contact with is the guilty party. That may explain people who were too young to incur the debt. The truth is that it is owed by someone else who merely has the same name. An email from a Colorado resident indicates her problems with JBC Legal Group. They have been attempting to collect a debt paid in 2001. I have been unable to get the phone calls to my mother's residence to stop. I don't see how a company that has received so many complaints can continue to do business like this. North Carolina resident Jodi Bennett-Bradshaw did what we are advising callers. She contacted her state's attorney general and filed a complaint. The Cleburne News has attempted to contact JBC Legal Group and Boyajian Law Offices via email but they have not responded to our questions. We wanted to know why they persist in apparent unlawful collection of so-called debts, place untrue statements on their websites and attempt to collect false debts or debts from people who never had accounts and why they don't tell the truth to people when they attempt to make collections over the telephone - all violations of federal Fair Debt Collection Practices. As of press time Wednesday The Cleburne News was continuing to get calls in response to our ongoing investigation. We recommend anyone having problems should file a complaint with the Federal Trade Commission at: https://rn.ftc.gov/pls/dod/wsolcq$.startup?Z_ORG_CODE=PU01 or contact their state attorney general's office. Hope this helps!

I get confused by all these address.... Which address is the most current to send my cease communication letter? To Rutherford or Bloomfield in New Jersey?

I get confused by all these address.... Which address is the most current to send my cease communication letter? To Rutherford or Bloomfield in New Jersey?

I get confused by all these address.... Which address is the most current to send my cease communication letter? To Rutherford or Bloomfield in New Jersey?

Steve, Regards to your question about how easy it would to file a lawsuit for $1,000 plus fees. It would means that we have to pay out of pocket to file a lawsuit or are you suggesting that we can file a lawsuit on our own and its easy? Can you suggest how do we do that? Just go to the court house and ask to file a lawsuit and pay some small fees for paper process?

Boyajian Law Offices Aka / JBC Legal Group, P.C. Aka / JBC & Associates P.C. 2 Broad Street, 6th Floor Bloomfield, NJ 07003 Phone: (973) 259-1701 Fax: (973) 259-0497 Web Address: www.jbcfirm.com, www.jbclaw.net, www.jbclaw.org Head Debt Collector: Jack Hagop Boyajian, CA Bar #2023043 Parent Company: Outsource Recovery Management, Inc. Jack Boyajian, president Other Offices: JBC & Associates, P.C. 9465 Wilshire Boulevard Beverly Hills, California 90212 Phone: (310) 273-4580 Fax: (310) 888-1848

Just send the CEASE COMMUNICATIONS request. Certified mail/return reciept requested. File the FTC complaint online, on EACH call. File a lawsuit for $1000 plus costs for each violation as per the FDCPA.