The harassing company pays our fees.
J.J. Marshall & Associates, Inc. is a third-party collection agency based in Michigan. JJ Marshall has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed. If you have been contacted by J.J. Marshall & Associates, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), J.J. Marshall & Associates, Inc. was founded in 1974 and incorporated in 1978. The BBB established JIM’s profile page in 1990. JJM is listed as a collection agency.
According to its website, JJ Marshall and Associates “is committed to setting the standard of excellence in the recovery of account receivables…with customized solutions and excellent client services… provided…with the highest standards of ethical and professional conduct.” JIM’s goal “is to increase overall recovery on all account balance sizes, while remaining sensitive to…their clients’ public image.”
JJ Marshall and Associates employs its proprietary five-point “Marshall Plan” “to effectively assist their clients and collect their debt.” This five-point plan consists of the Marshall approach, in which “collectors employ a consultative approach when trying to collect a debt.” Next, offering a free consultation “to audit, or preview, their uncollectible debt”allows JJM to “start off on the right foot with a new client.” Third, their extensive research methods are “directly related to…their collection success rate.” In addition, through their “focus on education,” JJM shows clients “how to combat debt before it starts and what to do when a debtor starts to become a problem.” Finally, JJM claims expertise based on “38 years of experience in a variety of industries.”
JJ Marshall and Associates offers consumer and business-to-business debt collection for a variety of industries, including property management; industrial and manufacturing; financial accounts, including car loans, boat loans, and mortgages; and healthcare and medical services providers.
JIM’s website does not include a consumer resources page. There are no links to consumer protection laws or enforcement agencies.
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. We are ranked A+ by 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.
As of February 2018, the BBB has given JJ Marshall and Associates a rating of F. The BBB has closed 5 complaints against JJM in the past three years, all of them in the past 12 months. All of those complaints allege problems with billing and collection services. As of July 2016, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints against JJM. Justia lists at least 3 cases of civil litigation involving J.J. Marshall and Associates
Absolutely. Here are some Sample Cases against J.J. Marshall & Associates
Complaints against J.J. Marshall and Associates commonly cite problems from efforts to collect disputed debts. In August 2017, a complainant indicated that she had discovered delinquent items on her credit report from JJM that were the result of debts that belonged to her husband and that had been discharged in bankruptcy. According to the complainant, JJM responded to her requests to correct the inaccurate information by continuing to tell the credit reporting agencies that the information was correct. She claims to have submitted evidence to JJM and had indicated her intent to hire an attorney.
In January 2017, a complainant indicated that he had requested validation of a debt J.J. Marshall and Associates was trying to collect by sending them a certified letter. According to the complainant, the USPS returned the letter, indicating it had been refused. The complainant cited JIM’s refusal to accept the certified letter as a violation of the FDCPA requirement that all collection agencies provide debt validation when requested to do so by the consumer. The complainant publicly posted his request for debt validation on the CFPB website and indicated he had notified his state’s Attorney General of the violation.
In August 2016, a complainant indicated he had notified J.J. Marshall and Associates that the debt they were trying to collect from him was the result of identity theft. He also indicated he had requested debt validation but had had not received any response. The complainant indicated his belief that JJM had not provided the information because the debt was not his.
Finally, in July 2016, a complainant indicated that he had attempted to “get validation of a debt that is being held by” J.J. Marshall and Associates, but that all he received was a “print screen and that what is reporting on my credit report does not even match what they supplied.” The complainant also “asked for a breakdown of fees, payment history and copy of the signed legal agreement,” but that JJM “again…only sent…a letter and print out screen.”
J.J. Marshall and Associates responded to these complaints either by disputing the facts, claiming they were the result of an isolated error, or indicating their belief they had acted in accordance with contractual agreement or the law.
J.J. Marshall & Associates, Inc.
28820 Mound Road
Warren, MI 48092
Telephone: (586) 992-3200
Website: http://www.jjmarshallinc.com/
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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JJ Marshall is on my credit report. I have sent 6 request for debt validation and they have not responded, the credit bureaus keep saying the debt is confirmed valid.
I sent a debt validation letter to JJ Marshall and they sent back a copy of a lease with initials on it and a picture id. 2nd attempt the sent a copy of a court paper that suppose to be a judgement from the courts (that I had no knowledge of) and told me that if I send another request to them that they will not respond.
kJ Marshall is on my credit report. I have never heard of them