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.
Common Questions
Is JCCA a scam❓
No, JC Christensen & Associates has been in business for 15 years.
Can JC Christensen & Associates garnish my wages❓
Yes, JCCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. In several cases, the court found that wage garnishment is permissible under specific conditions.
Can JCCA sue me❓
Yes, JCCA can sue you so long as the debt is within the statute of limitations.
Can JCCA report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report. However, the bona fide error defense can protect debt collectors if they unintentionally report incorrect information.
Can JCCA arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
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!
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