FJM Collections collect debt for a wide variety of creditors. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
FJM Collections, Inc. is a private debt collection agency based in Sioux Falls, North Dakota. It appears as though there are a variety of different complaints against FJM Collections alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, make sure you understand your rights before taking action.
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Is FJM Collections a Scam?
They’re legit. FJM Collections has been in operation since 1990 and has received an “A+” rating from the Better Business Bureau. However, they have not been accredited by the Better Business Bureau. Therefore, it can be noted that this collections company is a legitimate business. Do not ignore the need to resolve your debt with this FJM Collections.
FJM Collections notes on their website that they have “highly trained staff” who are dedicated to working for clients with integrity. Ultimately, this collections company claims to utilize ethical practices in their collections process, but complainants may argue the contrary and claim that this collections company violated the FDCPA. FJM Collections is lead by Ms. Verna L. Yarnall, Officer. Lastly, according to zoominfo.com FJM Collections has 6 employees and a revenue of $1 million.
Who does FJM Collections collect for?
According to their webpage, FJM Collections collect on behalf of creditors including apartments, attorneys, banks, chiropractors, county governments, credit unions, doctors, psychologists/counselors, satellite/programming services, and utilities. Though there is a wide range of information available on this collection company’s services and clientele, it is still wisest to inquire about your specific debt. In order to adequately resolve your debt discrepancy, it is necessary to contact FJM Collections to verify your alleged debt and attain details on the account owed. Acquiring this information is important because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not dealt with.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Lemberg Law received an A+ rating from the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against FJM Collections?
There are currently two complaints filed against FJM Collections on the Better Business Bureau website. One such complaint alleges that FJM Collections did not respect the voiding of a debt through bankruptcy, continuing their collection efforts after.
It is possible that this collections company could have also been a part of a variety of lawsuits, sanctions, and penalties according to Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket. Take a look at the link above to find out whether FJM Collections falls within this category.
Ultimately, it is illegal for FJM Collections to make empty threats to sue you or garnish your wages. However, this may be a different case given that there is a default judgment. Remember that it is not common for collectors to resort to this solution unless they have backing and evidence to do so. If you find yourself in a questionable debt collection discrepancy, contact an attorney preemptively to ensure that you receive full protection over your assets and rights through the FDCPA. Lemberg Law awards consumers the power to fight back against these fraudulent collection practices. Need Help? Call us today.
If you find that this debt collector is calling or harassing you, familiarize yourself with The Fair Debt Collection Practices Act. This legislation outlines a person’s protections against the abuses and misconduct of collection agencies. You can find your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. It is important that if a collections company violates your rights, you contact an attorney to receive aid and legal protection of your assets and rights. Additionally, The Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA) provide consumers with supplementary protection outside of the FDCPA.
Can I sue FJM Collections for harassment?
Yes you are able to sue. The wisest course of action would be to sue if you believe your FDCPA, TCPA or CFPA rights have been violated. Suing is the correct process to take when your legal rights have been breached. Because federal laws protect citizens like you from these fraudulent practices, you should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop FJM Collections Debt Collection Harassment Now?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
I was contacted via phone while I was at a Dr’s office and it went to voice mail. 3/7 Ray Woodherd of Nationwide Processors stating something about an “active order of location” and there would be action prior to 3/9 5PM and gave #844-882-6275. I called and spoke to Johnathan Rousse at length. Initially he informed me I was being sued for $16K+ and an appraiser was coming to my house and they could take possession of my home. He stated this was for a medical bill from 2013. The medical bill was for $10,014.16 and the rest was for legal fees. He then sated he could use a process, ADR, to negotiate a lower payment. When asked how much I could pay now to stop legal actions I told him $1000. His solution was $6140.00 with 20% ($2000) now(which was NOT 20%) and $250/month. I told him I could not make such a big decision on the spot. He told me if I paid the $1000 it would hold off the process until the next day. He had put me on hold several times to “speak with the creditor”. I gave him my cc info. Then like a miracle he told me my debit was only $1280 and they would wave the $280. He worked for FJM Business Solutions of Buffalo, NY, and the cc payment would reflect Capital Processing. When I contacted “the creditor”, Riverside Behavioral, Punta Gorda, FL I was informed my debt to them was incurred 6/12/2012 and had since been sold. She did not have an amount. I received a receipt via email for the payment as well as an agreement for me to sign from Joseph Ross (email@example.com) I have NOT signed the agreement. Does this constitute misrepresentation of my true debt?