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J.C. Christensen & Associates (JCC) is a third-party collection agency based in Minnesota. JC Christensen & Associates has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as inappropriate collection techniques; illegal communication tactics; and attempting to collect debts not owed. If JCC has contacted you about past due collection items, make sure you know your rights before taking action.
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Is JC Christensen & Associates a scam?
The Better Business Bureau (BBB) established J.C. Christensen’s profile page in 2013. JCC is listed as a collection agency. The website for JCC at www.jcccollect.com leads to a non-operating page on the website of Alltran Corporation, an accounts receivable management firm and collection agency with an office in Sartell, MN, where JCC is also headquartered.
Although JC Christensen & Associates does not maintain a publicly accessible website, they do maintain a business profile page on the LinkedIn network. According to their LinkedIn profile, JCC helps “clients improve debt recovery rates and optimize cash flow while reducing costs.” JCC employs “fully customizable accounts receivable management services…tailored to…clients’ specific needs…to develop and implement a successful program.”
As a full-service collection agency, JC Christensen & Associates offers debt recovery for all placement levels; skip tracing; probate recovery and claims filing; pre-legal recovery work; low-balance and high-balance account recovery; and insurance claim filing and follow-up.
JCC’s profile page includes an endorsement from a debt buyer. However, their profile does not provide details about its client base, industries served, or regulatory compliance policies.
The BBB has closed 5 complaints against JC Christensen & Associates in the past 3 years, none of them in the previous 12 months. Almost all of the BBB complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 6 complaints about JCC, all of them attributed to URS Holding, LLC, a subsidiary of Alltran Corporation. Justia lists at least 12 cases of civil litigation involving JC Christensen & Associates.
Absolutely. Here are some Sample Cases against JC Christensen & Associates
In August 2009, in United States District Court, District of Minnesota, a judge issued a Memorandum and Order in a case alleging JC Christensen & Associates had violated provisions of the Fair Debt Collection Practices Act (FDCPA). Specifically, the plaintiff in this case incurred a “consumer debt” in 2007 as a result of medical treatment through the University of Minnesota. The debt was eventually sold to JCC for collection, and JCC had mailed the plaintiff several collection letters and had left several voice mail messages on her answering machine. The plaintiff filed her initial complaint in January 2009 “alleging JCC’s messages left on her answering machine violated the FDCPA because JC Christensen & Associates failed to meaningfully disclose both its identity and that the calls were from a debt collector.” The complaint included three sample voice messages from JCC:
· “Hi, Plaintiff. this is E____, can you call me quick when you get this message. My office number is 866-565-XXXX.”
· “Plaintiff, this is N_____ G_____, please give me a call at my office I have a quick question for you here. My number is 866-552-XXXX.”
· Hi Plaintiff, this is E____. I am at my office tonight if you could give me a quick call at 866-565-XXXX. Thank you.”
The plaintiff alleged that these messages violated Sections 1692(d) and 1692(e) of the FDCPA, which prohibit debt collectors from “engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt,” including, “the placement of telephone calls without meaningful disclosure of the caller’s identity.” These sections also prohibit debt collectors from “using any false, deceptive, or misleading representation or means in connection with the collection of any debt,” including,“the failure to disclose in the initial . . . communication with the consumer . . . that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.”
JC Christensen & Associates attempted to argue that their messages did not constitute a violation of the FDCPA for three reasons. Their first argument was that the messages did not constitute “communication” because they did not reach the consumer during the call, which was the purpose of having left the voice mail message. Their second argument was that even if the messages did constitute “communication” as defined by the FDCPA, “the messages cannot reasonably be viewed as harassing or abusive under Section 1692d or false, deceptive, or misleading under Section 1692e.” Their third and final argument was that “even if the messages could be viewed as deceptive or misleading ‘in some technical sense, there was not material misrepresentation.’” The court disagreed with the first argument, citing the FDCPA’s very broad definition of “communication.” The second argument failed because the messages’ failure to disclose their identity necessarily made them “false, deceptive, or misleading.” The third argument failed becausea finding that the misrepresentation was material necessarily follows from having proven the other two violations. As a result, JCC’s “Motion for Judgment on the Pleadings…was DENIED.”
J.C. Christensen & Associates
Telephone: (866) 648-8591
P.O. Box 519
Sauk Rapids, MN 56379
P O Box 1952
Southfield, MI 48195
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
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