- Report: #78384
Complaint Review: JBC Legal Group - Bloomfield New Jersey
-
Author Not Confirmed
Why?
JBC Legal Group
Broad Street Bloomfield, New Jersey, U.S.A.
Phone:
800-408-1655
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
JBC Legal Group Telephoned asking for remittance for NSF check from 1995 Bloomfield New Jersey
Received a phone call asking for remittance for an NSF check from 1995 written to a retailer that I did frequent; however, the bank which they referred to was not where I was banking in that year. Naomi Martin, JBC caller, told me that the only remittance was Western Union wire or debit card transfer. The check was suppposedly for $55, but they were asking for a payment of $145.
I telephoned the retailer, they forwarded me to their collection agency. I called the agency, they found nothing. However, when asked if they forwarded files to this company, she said yes. I then explained my conversation with JBC. She told me that I was not the first person who reported them.
I then called JBC back at the 800 number and requested a physical address to mail them a money order. I have not received a return phone call.
Corlice
Windsor, Connecticut
U.S.A.
I telephoned the retailer, they forwarded me to their collection agency. I called the agency, they found nothing. However, when asked if they forwarded files to this company, she said yes. I then explained my conversation with JBC. She told me that I was not the first person who reported them.
I then called JBC back at the 800 number and requested a physical address to mail them a money order. I have not received a return phone call.
Corlice
Windsor, Connecticut
U.S.A.
2 Updates & Rebuttals
Tim
Valparaiso,Indiana,
U.S.A.
Debts are generally covered by contract law, which differs from state to state
#2Consumer Comment
Tue, February 03, 2004
Mostly correct, Gregg, ..Debts are generally covered by contract law, which differs from state to state, therefore each state has a different statute of limitations in regards to judicially persuaded collection. Some states are far less than seven years, some as low as two. A few states are longer. Also, within each state, statutes of limitations differ depending on what the check was written for (ordering a pizza vs. paying on a loan, for example). So long as you show up to defend yourself and point out that the debt is barred by the statute of limitations you'll win (as long as you're right). If they take you to court and you don't show up, however, they may be able to get a default judgment on you regardless of the statute of limitations. Also, just because your debt is barred by the statute of limitations doesn't mean that a failure to pay won't be noted on your credit report. Each individual should make their own choice in how to deal with the situation. Just make sure that you know what the SOL actually is in your state (do a google search, there are a few websites that compile this information) and make sure you understand how non-payment may affect your credit. The most important thing is to make sure that they don't get a default judgment on you. if you don't defend yourself in court, there are very few ways you can make it right (pretty much only if the notice was not proper). As for the extra charges JBC likes to tack on, I highly doubt that they are legitimate. Most states limit what can be collected on a bad check to the face amount plus whatever charges the bank itself assesses. Absent a contractual agreement to pay anything beyond that I highly doubt a judge would hold you to it. Good luck!
Gregg
Fresno,California,
U.S.A.
This only works if you let it. This is just a collection agency that purchased a basket of dead debts for pennies on the dollar
#3Consumer Suggestion
Wed, January 28, 2004
Do not, ever, pay any debt that is over seven years old. The original owner of the debt has had sufficient time to collect on it, and it will not hold up in court unless it is secured by a lien on personal or real property. The feds will try to collect on tax debt over seven years old, a good lawyer or enrolled agent can give you advice on that. But even the feds acknowledge the seven year doomaflachy. This is just a collection agency that purchased a basket of dead debts for pennies on the dollar and is raking over the carcasses trying to generate income. Don't reward their obnoxious behavior. Hopefully they will end up eating out of Dempsey Dumpsters.
