HELP!!! - JD Enterprises is lying about my debt!!!!

dispute that to the credit agencies.let them know that you didn't pay anything to this in 2005.let them try to prove this as it is up to them to prove the payment.

How do I do that? Also, they are in CA and I am in NYS. They are saying they are taking me to court. Does this mean I have to go to CA? I am really scared and freaking out here. They keep calling me back. This is complete harassment. Is there anything I can do?

Thank you
Patti

I've gone through a similar situation with indiana bell. What I did was write a letter to the CA demanding a cease and desist from any other contact and the remedies I was entitled to under the law if they continued to harrass me. In your case, I would outline the unacceptably rude and vulgar language that was used in your last call.

Then I pointed out the statute of limitations (for the state the debt was incurred in)to collect the debt and that this would be used as a defense if they chose to sue. In your case, I would deny making a payment in 2005 I would remind them that the burden of proof would be on them to prove the alleged payment in 2005 should they chose to persue.

I would then demand they remove the inaccurate info from all three credit reports immediately asis your right by law or you will persue legal remedies. I would also request of complete validation of debt as is your right under the law not simply a verification. They have 30 days to provide. I would also point out in the letter that you are judgement proof, if you are and list the exemptions that protect you.

You can find info on here on how to word the different sections of the letter and the laws that apply to them.

They sound like real aholes. Btw, DONT sign the letter use an electronic script to sign or just initial and send certified return receipt requested.

After 30 days send copy of your letter to CRA's with a note that there was no timely response by the creditor and therefore should be removed from your credit report under your rights of fdcpa.

If the creditor calls you again after sending the letter or tries anything funny with your credit report in the future, take it all down to small claims/civil court and file against them. My Indiana Bell still tries to collect and last activity was in 1998. I just ignore at this point because of sol. Unless of course they sue then I will use the sol defense in court.

You can also call At&T and ask when was the last time you made a payment. They should be able to tell you. The person I worked with was very nice when I was having credit problems. Just tell the rep that there is something on your credit report that you don't recognize and they should transfer you to the right department, once you find out you can ask them that they send you something in writing on when your last payment was.

I was going to say you can also pull your credit but I don't think a 2001 bill would be on your credit report.

Oh, and next time they call, tell them that until they send you something in writing regarding the debt, they are not to contact you. Collection agencies can't sue, the fact that they are threatening to sue tells me that they are bottomfeeder. I would also complain to whichever state department handles your consumer complaints, here it's DFI. Have you gotten anything in writing from them? How long has it been since their first contact? They have five days to send a dunning letter from first contact per Fair debit collection practices act.

You are so awesome... I calmed down, called back the original guy, and requested the letter. I informed him how it was impossible to have made this alleged payment, and that the burden of proof lies with them about it. I also told him how I am on disability and that any judgement would be granted only once I returned to work (which is not going to happen). He was very polite and apologized for his "colleague's rude behavior". I told him about the cease and desist letter I am working on with my attorney, and how if they want to take me to court, feel free to do so. And that once I proved I *never* made a payemtn past 2002, I would then proceed to file against them via civil court. He was so polite and said he would not be able to send me a complete validation of debt since it costs them $75 to obtain this from AT&T (oh boo hoo) and that the only way I would recieve this was if they proceeded to take me to court. I told him, "Then Sir, I suggest you do that. Believe me when I say, the SOL is past and you will not get a dime." He said he would send me a "welcome" letter and "take it from there"...

What a crock...

Anyhow, I am working on the cease and desist letter. And will sign it electronically (they will never see my signature if I can help it). Thank you again for your advice. I am finally relaxed and calm, and it is all thanks to you. Thank you *so* very much!!! I am so eternally grateful.

Patti

I never received anything in writing. This man called me on March 2. The first time I ever heard *anything* about them. So I am guessing that the 5 day rule is valid here?

Patti

Not yet.. . You would need to see something by tomorrow.. Monday at the very latest depending on how soon they got the "letter out" And I highly highly doubt it costs them 75 dollars to validate a debt. All it takes is a pick up phone call/and or letter to At&t(I'm paraphrasing) as I'm not quite sure how they validate.. but i'm pretty sure they probably just send a letter and or call (if they even do that). I hardly see where that takes 75 dollars lol.

Send them a Debt Validation letter (by certified mail return receipt), until they validate the debt they cannot sue you.

They are NOT required to respond within 30 days under the law but if they receive the letter within 30 days of first contact they cannot due any collection activity until they due validate.

If they do choose to sue you they will have to sue you in the NY county that you live in. The SOL in California is 4 years but NY SOL is the one that has to be followed.

Wondering why you are being contacted by a California agent if you are in NY.

What is the exact name of the company because the only JD Enterprises that is licensed in California is JD ENTERPRISES AND FINANCIAL SERVICES all the rest have had their license suspended or canceled.

It is JD Enterprises and Financial Services. And they bought my "debt" from AT&T. I will call AT&T and ask about my last payment date, as well as send JD Ent. the debt validation letter. I found out last night that they sent the original letter to the address I lived at in 1999 (this is too bizarre) so they are supposedly sending one out today, which will not get here until Tuesday/Wednesday. So I am wondering if that rule will still be applicable?

also, the gentleman (and I do use that term loosely) I spoke with said that AT&T is claiming I paid on March 20th, 2004, which is impossible as I was in Florida and pregnant with my son, and any money I had then was being paid towards medical expenses. There is no possible way I made a payment then. He said that it would be *me* who would hvae to prove I didn't make the payment (this makes no sense to me whatsoever).

I checked them out on the BBB. They have a credit rating of C-. Should I file a complaint against the man who told me "pay your bills bitch" and hung up on me several times? You know, the one who claims "I know more about the law than some single welfare mother living in a trailer and your hick attorney"? Or is it even worth it.

Yeah, these guys are a real class act...

Thanking you all again, immensely,

Patti

I wouldn't file a claim yet.. wait until you talk w/ AT&T and then wait to see if JD actually verifies the debt. As I said.. when I talked to AT&T they were very helpful. I didn't realise the wireless part had brought out our local phone company. So imagine my suprise when I find out they are listed on my credit report owing them money. Ummm I've always had sprint/T-mobile for cell service. She was very helpful, and told me when I told her a collection agency has me listed as both SBC and At&t and told me to dispute it as a duplicate listing. If the last payment you made was in 2001, they might not have your account, and tell you to call corporate. Not sure how long they keep accounts in their system.. but mine was from 2004/05.

It's better to have all your ducks in a row to so speak when filing a complaint to the apporiate places, they are more likely to take it serious.

Just spoke to AT&T (they were *amazing*!) The debt was originally sold in October of 2001. The last payment they have from me is on June 6, 2001. So the "supposed" payment on August 20 of 2005 that they claim they got from AT&T is just as I suspected... bunk...

I can finally breath... so my question is:

What do I tell these buttplugs from JD Enterprises since I now *know* the SOL is up? And how do I ensure that they stop harrassing and insulting me?

Thanks again - You guys are the *best*!

Patti

is AT&T going to send you that or email it in writing?either way i would send a complete C&D letter.nascar calls it the FOAD letter.send it certified mail return receipt.

Something like this:


Dear JD Enterprises,

I am not going to pay you. EVER. HA HA HA HA You can't make me. Cease your collection efforts


Love,

PMUMS


Write it in crayon on a piece of toilet paper....just make sure you send it Certified

I love you Nascar Devil...

I am emailing the manager of the awesome woman who helped me and am going to ask her for a letter or email with that information. I am guessing that is something they will provide if I ask?

This is going to be fun indeed =)

love,
PMUMS (written in crayon)

they should be able to if they gave it to you over the phone.

I just sent a thank-you email to the manager of the woman I spoke with (she was amazing, and I am a firm believer in giving credit where it is due). I asked her if she could either email or mail me something about the account being sold off in 2001, so I am sure she will do so. Hell, I will pay *them* for the letter =)

Still working on my TP/crayon letter!

Patti

Hi,
So I read everything in this thread and I am in the same situation. I had an att account way back in 2002. In 2003 Att shows a zero balance and nothing about collections (although i think there was a small amount that may ave been in collections) now here in June of 2009, JD enterprises is calling my father who has Leukemia and harrassing him, he is calling me at work and harrasing me. He once told my father that he would be in legal trouble if he did not forward the message. So I read your thread, called AT&T and even got a rep from there to confrence in and leave a VM for this collector guy named **. Now I have been trying to get him to send me validation of the debt that he states was in 2006. He said there is no such thing and that the account is legal, I kept insisting and he kept hanging up on me so I called and called and each time he hung up on me. So I called the number I found on the web for the company and got someone else who transferred me to someone Named ** and he was just as bad. ** just kept replying everytime I asked for validation in writing, he kept saying he would send me an EMAIL of an agreement to pay a settlement of $1200. Where should I go from here? He stated that they are going to serve me in the next few days with a lawsuit....
Thanks!
B

What state do you live in? Cell phone contracts generally are covered by the UCC SOL of 3 years so they may be violating the FDCPA by threatening legal action.

DO NOT do ANY business at all with JD Enterprise! This Company is a total Scam. Everything about this company this totally fake. He will not sue you and he wil not remove anything from your credit report. Anything you pay him will be lost. Just hang up and block his number. If you look up JD Enterprise on BBB you'll see his rating = F (that's the lowest they have).

Then file a complaint with the Attorney General and the BBB.

Hello. I am currently having a problem with JD Enterprises myself. They are attempting to collect an AT & T wireless bill that does not even exist!! The amount was for $777. I called AT&T and there is no record of this debt as well. They are making my life hell and even went as far as calling my employer and harassing me at work. When they called, they tried to sound as if they were attorneys or lawyers using words like "case number" and "being served." The guy even called himself a "legal officer." Can you believe it? He threatened that if I don't pay he'll take me to court which is what I would love to do!!! If anybody can give me more information please contact me. Thanks

are they really a scam? everything everyone said on here is what happen to me. they harrassed me and made me cry. I figured someone used my information and got a sprint phone in my name and since JD was threating to sue me and garnish 25% of my wages, freaked me out..so I agreed to pay $600, they said the phone bill was 1,200. I have 2 more payments due to them..can they really take me to court and garnish my wages? please help, i have a money order here for them, and i dont want to send it now after reading all this.

If you receive a collection notice from JDEFS and you do not know what this collection account is for, or if you paid and closed this account, or if you believe the amount is incorrect or if there is ANY uncertainty on your part regarding the validity, amount or anything fishy with this collection account, immediately mail them by certified mail, return receipt a debt validation request.

Conduct a Google search and look for FDCPA debt validation letter templates. Research your rights under FDCPA and FCRA so that you will be fully informed of the laws, legal obligations of collection agencies and your rights. Fill out the debt validation template to match your situation and mail it off within 30 days, preferably within a day or two of receiving a collection notice from JDEFS, mail them the aforementioned debt validation letter and keep a photo copy for your records. Have a Notary witness you placing the pages in the envelope and under seal as this step is required with JD as they claim to receive ???empty??? letters with nothing inside of them. JDEFS will most likely refuse delivery of your letter. JDEFS will most likely refuse delivery and or claim your letter was empty because they are NOT in possession of ANY legally required debt validation and therefore they cannot by LAW, post the alleged account on your credit report or pursue collection efforts on an invalidated account.

If you receive/d a phone call from JDEFS, note the day, time, name of caller and phone number. DO NOT discuss anything account related with the caller. Do not fall victim to high pressure tactics over the phone and make any payment or promise of payment until the debt is validated by FDCPA. Keep detailed notes as to what is said by JDEFS. Immediately inform the caller to cease and desist in ever calling you or contacting anyone else regarding the alleged debt. Give your current address to the caller and demand any further contact will only be done by postal mail. If you are threatened, coerced or informed that a Police officer, officer of the court, process server is en route or that anything like a tax lien, garnishment or law suit is imminent??? These tactics are illegal and are methods of extortion, which JDEFS is well known for doing and engaging in such behavior. If you feel threatened, contact the Police dept and file a Police report. If you are threatened that a Police officer, officer of the court, process server is en route and that to cancel this you must pay NOW over the phone or that anything like a tax lien, garnishment or contacting your employer or law suit is imminent, document this information.

Contact the Federal Trade Commission via their website and file an official online complaint and list in details of any offenses by JDEFS. Next, contact your states???s Attorney General???s Office and file an official complaint. Contact the Consumer Financial Protection Bureau and file an official complaint. JDEFS is based in California, contact the CA Attorney General???s office and file a complaint. Contact the Senator and Congressional representative in your area and ask them also for their assistance if JDEFS violates the law. You would be surprised to learn that elected officials and their staff can and will help you in matters like these. If you feel you are a victim of extortion by JDEFS, immediately contact your local Police department, and also contact the Los Angeles field office of the FBI. Extortion is illegal and is considered a RICO offense and the FBI needs to be informed.

If you have never been contacted by JDEFS and find unsolicited inquires and or a collection account on your credit report, contact the credit agency and file an official dispute of the inquires and collection account. The account will be removed because JDEFS will not violate their agreements with Experian by verifying an out of SOL, document/verification lacking account and therefore the account will be removed. Conduct an internet search for lawyers that specialize in FDCPA and FCRA cases and seek out a legal remedy if you feel violated. Lastly, contact the BBB via their website and file an online complaint against JDEFS. The BBB is mandated by their own rules to investigate your complaint and receive the businesses response and attention to your issue. DO NOT ever communicate with JDEFS by phone under ANY circumstances except for time they call you. Give them your address and inform JDEFS that only postal mail communication is allowed. Do not give up, keep detailed records, and maintain contact with all agencies you complained to.

Do not relent until justice is served. Reminder, if you are aware of the debt and the amount is accurate, and or JDEFS properly per FDCPA fully validates the debt, then you should pay the debt. Go online and find out what FULL FDCPA means and make sure JDEFS fully validates the debt if you are unfamiliar or if anything about the debt is uncertain to you. Contact nationally syndicated investigative reporters and shows like Dateline NBC, 20/20, etc??? Inform them if you feel illegal tactics were used and ask for them to visit BBB???s website, read the complaints and ask for their help.

There will soon be an official website online to be a repository for complaints against this company. This website will inform the public of the issues with JDEFS, inform the public of their rights in collection matters and provide a portal for direct contact between the public and the relevant federal, state and law enforcement agencies that are required to assist you.

JD Enterprises and Financial Services loses BBB Accreditation!!!

After several months of correspondence and funelling additional injured parties to file official BBB complaints....

And, by directly corresponding with BBB executive staff, the BBB has stripped JD Enterprises and Financial Services of it's accreditation.

No longer will Joe Willis, AKA, Joseph Dassa be able to use the BBB as an extortion tool to rip off and harm Americans! With the loss of it's BBB accreditation, alleged debtors searching online for info on this menace before paying them will now be aware of how they operate and no longer will JD Enterprises and Financial Services be able to lie to alleged debtors about how they are a legit company that has BBB backing.

This is just the begining.

If you have been violated by JD Enterprises and Financial Services, file official complaints with the FTC, CA Att Gen, Los Angeles office of the FBI, Consumer Financial Protection Bureau and your state Att Gen.

http://www.consumerfinance.gov/get-help-now/consumer-questions-and-complaints/

https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

http://ag.ca.gov/contact/complaint_form.php?cmplt=CL

They are fake and cant do anything. Dont be scared of JD, these guys are criminals and want to make easy money. They called me from block ID and wanted me to call some 562 area code. The guy on the phone had some phony name he said he want to come serve me with papers. First of all its illegal he cant do that unless he works for law enforcement agency. Dont listen to their BS, google their 562 number. DONT pay them.