Complaint Review: Boyajian Law Offices - Rutherford New Jersey

Jack Boyajian and his "law office" have been around for years, though Mr. Boyajian has used several different business names including "JBC & Associates," "JBC Collections," "JBC Group," "JBC Legal," "Boyajian Law Office," "Boyajian Law Offices" and (coming soon according to the internet rumor mill) "Boyajian and Brandon." Mr. Boyajian and his associates (possibly tied to the New Jersey mob or one of the five New York "families", though this fact can't be verified), purchase "junk debt" which is time barred by statute or otherwise invalid (e.g. discharged in a bankruptcy, etc). They then attempt to collect on the bad debt threatening legal action, arrest and prosecution. Mr. Boyajian and his associates are under investigation in 13 states and legal action has been taken against him in at least three - Connecticut, Minnesota and West Virginia. Whatever you do, do not send this firm any money...Even if you owe the debt (in addition to trying to collect on time-barred debts, he is accused of manufacturing debts). In the best case scenario, you will "validate" the debt, meaning the firm can sue you for it or hire attorneys to sue you. In the worst case, there have been reports that either the firm or individual employees will use your personal information as part of a wider identity theft scheme...thus the insistence you pay by credit card and not a personal check. A reputable collection agency will encourage credit card payment, but not insist upon it. Legit collection agencies will accept cashiers checks or postal money orders...which is the way such outfits should be paid anyway. Here's how to handle the firm. 1) Ignore their phone calls...caller ID is a good tool to use. If you don't have it, simply hang up on them. 2) If you get a written piece of correspondence, write them back, asking them to verify the debt (a database printout is insufficient, they need to provide you an original contract or credit application, signed by you, along with proof that they own the debt such as an agreement with the original creditor). 3) If you get a summons (which is highly unlikely, see below), contact your lawyer. Do not fall for this firm's idle threats. Mr. Boyajian is incapable of doing almost anything even remotely resembling litigation. in fact, he is only licensed to practice law in one state, California. Reports at buddhibbs.com indicate that he is barely holding on to his California law license so rest assured...Mr. Boyajian is incapable of filing anything, except his fingernails. Do not fall for the threats from his (mobbed up?) employees... As further proof of how invlid these so called "debts" are, Boyajian started calling us three months ago about a utility debt my wife susposedly owed (see my rip off report dated September 7th). They stopped for a while...then after about a month started again...if the debt had truly been legit, I would have received a summons by now...

In a cerified letter, demand they provide you with proof for the debt. Tell them they have 10 days to do so. Tell them you will pursue every legal option available to you if they report this to any credit bureaus. They will stop harrassing you. This is a junk debt. If you want to pay it, do so at the medical facility.