Jacobson and Wright Debt Collection Harassment?
Jacobson and Wright Debt Collection Harassment? Is Jacobson and Wright calling you constantly in an attempt to collect on a debt? Has Jacobson and Wright threatened to take legal action against you if you do not make a payment? If so, you may have a claim under the FDCPA (Fair Debt Collections Practice Act) against Jacobson and Wright.
- Statutory damages: Up to $1,000 per violation
- Actual damages: Compensation for any harm you suffered, such as mental anguish, embarrassment, or personal humiliation
- Attorney’s fees and court costs: The defendant is required to pay these if you win
Who is Jacobson and Wright?
According to the Better Business Bureau, Jacobson and Wright is a third-party debt collector located in Buffalo NY. They have been in business since 2012. There have been 12 complaints closed in the last 3 years and 2 complaints closed in the last 12 months. You can read more here about Jacobson and Wright.
Contact Information
Common Violations of the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive and unfair debt collection practices. Common violations of the FDCPA include:
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Harassment
Debt collectors cannot engage in abusive, harassing, or threatening behavior. This includes using obscene language, calling repeatedly, or threatening violence.
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False Statements
Collectors may not make false statements about the amount owed, the consequences of not paying, or misrepresent themselves as attorneys or government officials.
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Unlawful Communication
Debt collectors are prohibited from contacting consumers at inconvenient times, such as early in the morning or late at night, or at places where the consumer works if they know that the employer does not allow such communications.
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Failure to Validate Debt
A debt collector must provide a written validation notice within five days of initial contact. If they fail to do so, or if they do not validate the debt upon request, they may be in violation of the FDCPA.
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Misleading Practices
This can include leaving misleading voicemails that do not identify the caller or implying that the debt collector has legal authority or that consequences such as arrest may occur when they cannot.
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Contacting Third Parties
Debt collectors can only contact third parties in limited situations. They should not disclose the existence of the debt to unauthorized third parties or discuss the debt openly.
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Inaccurate Reporting
Reporting false or misleading information to credit reporting agencies regarding the consumer’s credit history is also a violation of the FDCPA.
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Failure to Cease Communication
If a consumer sends a written request for the debt collector to stop contacting them, the collector must cease communication, except for specific legal actions.
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Debts Beyond the Statute of Limitations
Collecting on debts that are no longer legally enforceable because they are beyond the statute of limitations can be considered a violation.
If a consumer believes they have been subject to such violations, they may consider filing a complaint with the (CFPB), the Federal Trade Commission (FTC), or seek legal advice to pursue their rights under the FDCPA.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Jacobson and Wright. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at for immediate assistance.
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