JC Christensen & Associates Phone Harassment❓
Is JC Christensen & Associates (JCCA) calling you? Stop JC Christensen & Associates phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they disclosing plaintiff’s debt to your family and neighbors? If so what they are doing is illegal and needs to stop. You have the legal right to stop JCCA phone harassment. If their actions cause you to suffer emotional distress, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Debt collectors can be held liable under the FDCPA if they have a ‘reason to anticipate state’ that their messages might be overheard by third parties.
Introduction to Debt Collectors
Debt collectors, such as J.C. Christensen & Associates, Inc., play a significant role in the debt collection process. These debt collection agencies are responsible for recovering debts on behalf of creditors, including credit card companies, hospitals, and other institutions. Understanding the practices and regulations surrounding debt collectors is essential for both consumers and creditors. The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs the behavior of debt collectors, ensuring that they do not engage in abusive or harassing practices. Additionally, the FDCPA intersects with civil procedure, as courts evaluate motions related to pleadings and dismissals under the federal rules, particularly the Federal Rules of Civil Procedure, emphasizing the importance of factual allegations and the legal criteria necessary for a complaint to survive scrutiny.
Understanding Debt Collection Agencies
Collection agencies, like J.C. Christensen & Associates, Inc., operate by contacting debtors via phone calls, letters, or voicemail messages to collect outstanding debts. These agencies may use various tactics to persuade debtors to pay, including leaving semi-anonymous messages, automated outgoing messages, or disclosing the debtor’s debt to third parties through a voicemail message. However, the FDCPA prohibits debt collectors from using deceptive, unfair, or abusive practices, such as making excessive phone calls, using abusive language, or threatening legal action without intention to follow through. The strict liability nature of the FDCPA means that debt collectors can be held liable for violations even without deliberate or purposeful intent.
Is JC Christensen & Associates Violating Fair Debt Collection Practices?
According to the Better Business Bureau website, JC Christensen & Associates has been in business for 15 years.
At least one court has ruled on cases involving JC Christensen & Associates and their compliance with the FDCPA. In these cases, the court concludes that JC Christensen & Associates’ practices align with the requirements of the FDCPA, impacting the outcomes for the plaintiffs.
The court also addressed arguments related to the FDCPA’s requirements for debt collection communications, emphasizing the constitutional validity of such a construction.
Who is JC Christensen & Associates?
JC Christensen & Associates is third party debt collector located in Suk Rapids, Minnesota.
Address: 215 N. Benton Dr. Sauk Rapids, MN 56379
Phone: (866) 891-7435. The plaintiff sued JCC.
JC Christensen & Associates Debt Collectors Collection Tactics
If JC Christensen & Associates engages in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
JC Christensen & Associates Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 866-648-8591
- 📲 320-253-7800
- 📲 (866) 648-8591
- 📲 (320) 253-7800
- 📲 8666488591
- 📲 3202537800
If the answer is yes, then you are receiving calls from a known JCCA number. You may be a victim of JCCA phone harassment. The list above is not all the numbers that JCCA uses. The calls can be from different numbers and it still be JC Christensen & Associates calling you.
The following is a sample list of complaints filed against JC Christensen & Associates in the past year and can be found on Pacer.gov.
- 📋 1:15-cv-01526-BMC-JO Adams v.
- 📋 3:04-cv-00382-SRU Coppola v.
- 📋 3:08-cv-00865-JCH Wise v.
- 📋 3:09-cv-02030-MRK Williams v.
- 📋 5:10-cv-01293-HRL Gomez v.
Many of these cases involve allegations of disclosing plaintiff’s debt through voicemail messages, potentially violating § 1692c(b). These allegations are often sufficient to support claims under the Fair Debt Collection Practices Act (FDCPA).
Collection Agencies and the Law
The relationship between collection agencies and the law is complex, with various regulations and court decisions shaping the debt collection landscape. The Fair Debt Collection Practices Act (FDCPA), in particular, provides a framework for debt collectors to operate within, including requirements for disclosing debt information, obtaining prior consent for communications, and avoiding harassing or abusive behavior. This framework is especially relevant in cases involving consumer debt, where the implications on personal privacy and emotional well-being are significant. District courts, with district judges presiding, such as the United States District Court for the District of Minnesota, have played a significant role in interpreting the FDCPA and determining the boundaries of permissible debt collection practices.
Debt Collection and District Court
In cases where debt collectors are alleged to have violated the FDCPA, district courts may be called upon to decide the matter. For instance, in the case of Zortman v. J.C. Christensen & Associates, Inc., the district court considered whether the debt collector’s practice of leaving voicemail messages disclosing the debtor’s debt to third parties constituted a violation of the FDCPA. The court ultimately denied the debt collector’s motion for judgment on the pleadings, emphasizing that certain interpretations of the Act suggest that violations related to unintentionally disclosing information to third parties should not support dismissal of a complaint. Such decisions highlight the importance of district courts in enforcing the FDCPA and protecting consumers from unfair debt collection practices, as the court found that the strict liability nature of the FDCPA does not require a deliberate intent to disclose.
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the JC Christensen & Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 Consumer Rights Law Firm PLLC changed everything for me. I had no idea that collectors couldn’t legally harass me the way they were. The firm took my case seriously, fought back, and stopped the calls. Their legal team is incredibly responsive and genuinely cares. I now tell everyone about their services.
- 🏆 Debt collectors were calling me from multiple numbers and leaving threatening voicemails. I was overwhelmed. A friend recommended Consumer Rights Law Firm PLLC, and I’m so glad they did. They filed a lawsuit under the FDCPA and won my case. I received compensation and my phone has been silent since.
- 🏆 The harassment had gone on for so long I began to think it was normal. Then I found Consumer Rights Law Firm PLLC online. Their team was kind, attentive, and knowledgeable. They filed a complaint on my behalf and ended the harassment. If you’re struggling with collector abuse, call them today!
FAQs
Who is JC Christensen & Associates and why are they calling me?
They’re a third-party debt collection agency based in Minnesota that contacts consumers regarding past-due debts purchased or placed with them by creditors.
Is JC Christensen & Associates a legitimate debt collector or a scam?
They are a legitimate debt collector operating since the 1970s with ACA certification—though you should always request debt validation to ensure the debt is accurate.
Can JC Christensen & Associates legally call me repeatedly or leave voicemails?
They may call, but the FDCPA prohibits harassment—calling before 8 a.m. or after 9 p.m., making threats, or disclosing debt to others—even in voicemails—is illegal.
What phone numbers does JC Christensen & Associates use when calling?
They often call from toll-free numbers such as 866-648-8591 or regional numbers like 320-253-7800, among other numbers identified in complaints.
Can they garnish my wages or sue me over the debt?
They can sue you and—if they obtain a court judgment—pursue wage garnishment, especially for federal student loans or other judicially confirmed debts.
Will dealing with JC Christensen & Associates hurt my credit score?
Yes, they may report your debt to credit bureaus, resulting in a derogatory mark that can lower your credit score until it’s paid or aged off.
What should I do if their calls feel like harassment or abuse?
Document each call, send a written cease-and-desist letter, and if harassment continues, file complaints with the CFPB or FTC—and consider legal action.
Can I sue JC Christensen & Associates for FDCPA violations?
Yes: if they violate FDCPA rules—such as calling outside allowed hours, failing to identify themselves, or disclosing your debt to third parties—you may sue for statutory damages.
How do I prove they’re calling about a specific debt?
Ask for debt validation in writing within 30 days of first contact; they must provide creditor name, amount owed, and proof you’re responsible.
Can they call my family or employer about my debt?
No. Under FDCPA §1692c(b), they cannot reveal debt information to third parties, including family members or employers; doing so is illegal.
