Jackson Phillips and Associates

Faye Thomas just contacted me again. When I told her that my attorney left a message for her yesterday she denied it and then told me "to govern myself in the next 30 minutes" and then hung up on me!!! I am sooooo angry. I have already sent her a certified debt validation letter.

"govern yourself"???

No they cannot arrest you. They are clearly violating the fdcpa. I believe you need to send a cease and decist letter as well. That will prohibit the CA from calling you like that...

Do you have Faye's email address? Harrass her back!! I email GFS at least 30 times a day. I've been placating them today. Saying stuff like "Its my pleasure to write you. I've become so fond of our emails..." fight fire with fire.... (No you can't end up in jail over this debt either, there arn't any debtors prisons)...I think you should just have fun with them. The law is on your side at this point!

Heather Wellington from Jackson Phillips and associates is the bitc_ harrasing me. I actually sent money but i sent it western union not money gram so she got pissed off and told me that i better tie my sneakers because i was going to be running from the police. I got my money back from western union after i explained to them what was going on. I have sent them a validation letter by certified mail. we need to stop this harrassment the Florida Attorney Generals phone number is 1-954-712-4631 i think if we all just flood the office with phone calls we could get something resolved. The state of Florida has a limit on collection and presentment, they are prohibited to take criminal action. also the lender is not entitled to treble damages.

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

I am so glad i found this blog. I too have been getting calls from this company. They told me things like sending my information to my states office, i would be charged with a misdameanor, fraud, larceny...etc. They had me shaken up really bad yesterday because i knew i had gotten the loan. I was going to send the little bit of money i had but they kept telling me it wasn't enough. They also kept switching me around to different people who claimed they were trying to "help" me. I got a call today from a Rebecca Duffy asking why i didn't call back and to send whatever amount i had and then they would work with me. But at first they told me i owed $499 and now they are saying over $1,000. I am glad to know i am not the only one out here dealing with these people. Now i know for sure its a bunch of bull just to scare me.

Tae
I know what you mean. I was in tears the first time I received a call from her. I didn't know what to do....then I found this forum!

I just recieved a message from these people. A VERY rude on at that. Threatening to throw me in jail and that I committed a suspicious and malicious act, a worthless draft and all. Where can I get one of these "debt validation" letters?
Should I be worried? I told them that I was NOT at the same job. Someone please help!!!

http://www.debtconsolidationcare.com/collection-agencies/about21487-2.html

This is a plan of attack I put together for these people.Please go to this site and also file your complaint against them:
http://www.fldfs.com
This is the Florida dept of Financial Services.They are the agency that issues their license to collect.

I received a call from them yesterday at my home. I have three loans outstanding and have been paying everytime. Is there anything I can do to prevent them from calling my home or my business? I don't have any non-payoffs for payday lons. Where did they get my number from? After reading these posts I feel better that I did nothing wrong. I called them and left a message for a Sandy Stein saying that I worked for a law firm (which I do, actually)and will "sue the s--- out of them if they try anything and that I have free legal representation if they choose to pick a fight with me." I left a message for whoever answers it. Oh, and when I looked on my caller ID box, they number came up all O's and was unavailble. What should I do in the meantime?

I have been contacted by Jackson, Phillips and Associates from Jacksonville, FL I am terrified that they are going to bring charges against me for fraud and larceny or something like that. They have given me two hours to come up with 700 dollars or they will turn me over to the court system in my county in alabama. I told them I lost my job and I cant come up with it at once, I tried to get them to work out payments with me but they wont I am terrified will this put me in jail? What shuold I do?

First off, breathe. Nothing is going to happen to you. This is a standard line that this slimy, sleazeball company uses as a scare tactic. They are pond scum; trust me on this.
Defaulting on a PDL is NOT a criminal offense--so be assured that the SWAT team is not going to beat down your door, ok?
What you do need to do is figure out how many PDL's you do have, whether they are storefront or internet and whether they are licensed in your state. Most storefronts are licensed and should be paid first, while most internet ones are not, but you do need to check on this.
You also need to close your checking account if you haven't already, open a new one and DO NOT give the number out to anyone. This is the only way to get control over your finances again.

Yea everytime they called me on my cell phone...the number showed as all 0000's I wonder what the is about???

Okay, I just received a call from a lady at Jackson Philip. Yes, she threaten to take me to court for further actions and also threaten that I may no longer have my job if I do not pay my debt today. I admit.. i was frighten to death. I was even crying on the phone because I was so afraid of what she was saying may be true. But after reading all of your comments you guys kind of assured me there were other options or possibilities of what can or cannot happen. Now I just need to know what I need to do because I was at first skeptical of her phone call and she wasnt giving me enough information about my case. I would like to resolve this as quickly as possible. I told her I was willing to pay the full amount of $760 for a payday loan with First National Bank. But now I'm unsure if it's legit or not. Please help.

I recieved the came call, only Mark Johnson was the name behind the call. He told me i would picked up and processed at work in front of my managers co-workers and friends. They say i owe them 580 and that i did commit some kind of internet and banking fraud, I did believe them until i spoke with someone who is famliar with the laws of collections, and this kind of harrassment is indeed illegal. And after reading everyones comments I see that we are not alone in this and i do intend on reporting this.

They are lying to both of you! You all need to file complaints with the AG....what they did was illegal and I wouldn't send these sleezeballs a freaking penny! Tell me guys...what companies did you get your pdl's from? How much did you borrow and how much did you pay back??? ALso what state are you all in?

I just want you all to know that this is a bunch of crap. This Mark watson guy called me today about my boyfriends payday loan from 2004 and he only owes 100$ on it! The jerk didnt know that I have been a collections supervisor for 8 years, and indeed the collections tactics they are using is illegal. rest assured, the worst they can do it put it on your credit report. So you can all sleep well knowing you will NOT be arrested for this matter! So just have fun with it... dont let these clowns piss you off... beter yet, do your best to piss them off! I did, the guy ended up hanging up on ME!!

GRRRRRRRR Freakin Criminals need to be locked up already! Time to gather the idians and drive down south for a war party at their office/maildrop!*****###@@#

I am so tired of these buttholes terrorizing people.

why dont some of you deadbeats just pay your bills?
you give these creeps your work & home phone numbers when you take the loans out...some of you have loans that you default on now you want to be victims. I dont blame some of these collection agencys for beating some of you up, its the only way some of you are going to pay your bills.

Have you anything to add to or pertain to this topic or are you just being a pita for the heck of it! I will never ever condone the actions of criminals and it sickens me that someone would actually be dense enough to do that!

jackson phillips is just ellis crosby in disguse.. they use bass and associates then they changed there name now last i heard they use mark watson and associates.. any other names there using now?

well that explains it. thank you perry968. i was just wondering why i haven't heard from jackson phillips & associates in 2 weeks. but lately i have been getting messages from someone leaving the name of mark watson & associates. so they are the same......

Lets get together and sue them.

I was first contacted by Carlton Horne and he told me that hhey was going to take my children away and that they didnt care about breaking up a happy home and that i was not suppose to transfer money over state lines and that i didnt know what i had got myself into then he told me to come up with 678 dollanrs and my loan was only 150 or 200 i asked why so much and he said all the late then he started trying to holla at me by saying that he understood and that if i ever wanted to just talk i could call him anytime and that he really enjoyed hearing my voice im like this is not professional and you will not get anymoney from me now i have this Mark Watson guy and all he does is try to over talk me when he calls me i told him that i know what will happen this will be a civil judgment and that this will go on my credit he then say oh no your just dont know how much trouble your in honey he's a real butthole

Just got a call today for a "bad check". They even called my work and asked my coworker if he could identify me for the proper authorities. Can they do that? I am a bit uneasy. He said they would contact my employer and I could potentially be arrested at work. I dont have the money to pay them, I just had a baby. I can't go to jail. What do I do? Does anyone know the legalities behind this?

Just got a call today for a "bad check". They even called my work and asked my coworker if he could identify me for the proper authorities. Can they do that? I am a bit uneasy. He said they would contact my employer and I could potentially be arrested at work. I dont have the money to pay them, I just had a baby. I can't go to jail. What do I do? Does anyone know the legalities behind this?

I recieved a letter today from them and this is the only one ii've seen probably because i moved and i called the number given i got switched to 4 different people and i'm not sure of who i talked to but she told me i had to have all the money requested right now or people would come to me job and embarrass me i never even recieved a loan from these people i don't know what this is and she couldn't help me find out in any way she couldn't even tell me how much the loan that i supposedly recieved was i'm gonna do whatever i have to do to get to the bottom of this, i'm so glad i found this site and to know i'm not the only one

Mist was this for a pay day loan? If it is in regards to a electronic debit from your checking account, then no they cannot have you arrested. They are trying to scare you. Ask for proper debt validation from them first.

This was for a payday loan. They were not very helpful in answering my questions. I wanted to know the original loan amount, what steps were being taken, the name of their business and what they do. They were so rude and I talked to a guy named Chris in "processing" and he said he was not going to waste another second answering my questions. I asked him if I could speak to someone who would. And then he said okay, what do you want to know? What are you asking that I haven't answered? And then he ended up transferring me to Joy. She told me the name of the business and that they were a litigation company. What does that mean? Is that just a fancy word for "Collection Agency"? Anyhow I do not want to be arrested. What do I need to do?

What was the name of the company? And yes they are most likely a collection agency trying to scare you. Do not worry they cannot have you arrested. Not paying a payday loan is not a crime, they are trying to scare you.
Go to this link and send them this debt validation letter after you get their address http://www.debtconsolidationcare.com/forums/about216.html

Do not let them intimidate you, they need to verify, in writing that the debt is legitimate and they are breaking the law by threatening to have you jailed. Read around the forums some more and you will find out a lot of useful information in dealing with these people. Do not get scared or worried by their threats :)

I asked them the name of the business filing this complaint against me and they said the subsidary name was "Debt Doctor". Never heard of them. I spoke with the bank and they said there was a transaction but with the name SGQ Processing. Is this the same thing? Who knows! I just dont want them to call my employment anymore. I appreciate you responding. Thanks for shedding some light Ramj70.

I just filed a complaint with the state of Florida's Attorney General's Office.

"Litigation company" was only meant as a scare tactic. (As if litigation was being preparred against you, ie., you were in the process of being sued). Sounds to me that this borders on them pretending to be lawyers. You're not going to be arrested. They broke the law by saying this. Keep a careful log of communications with them, and sue for each violation of the fdcpa and state law. Each violation is worth $1000 to you.

The confusion at the bank could be due to collector operating under an umbrella of companies all owned by the same parent company. This is a common tactic among large collectors, to confuse the consumer to the point that you don't know who actually has the debt anymore.

I just filed a complaint with the BBB as well. Looks like they already have 7 since January. One of their dba's Bass and Assoc. has 50 complaints in 12 months. Sounds to me like someone needs to thoroughly look at this. How do they get away with this? I am supposed to receive another call tomorrow and I am just anxious to tell them that I read up on my state laws and they have no jurisdiction collecting here. Not to mention all the laws they broke by calling me and my employment. What can I do to get them to stop calling my job?

Yeah, it sounds like bass and assoc. They are well known for breaking the fdcpa. If they call you at work again misty tell them that they are not allowed to call you at work and if they continue they will be in violation of the FDCPA and you will use that in a lawsuit. As lawstudent said, log all communications because you can use it for a lawsuit. Inform them of this also.

Its good that you are not longer worried about them, its empowering to know your rights and that you are in control. Also make sure to send them those debt validation and cease and desist letters.

Check out Cajun's thread on Bass. We are urging all consumers who have had the misfortune of dealing with them to email the Florida Times-Union with their stories. You can find it in the Pub. The more stories we can give the media the faster these scumbags will be shut down.

Just to clarify Bass and Jackson/Phillips are owned by the same people.This was verified by me with licensing records from the state of Florida & Secretary of state corp filings with Florida. Contact the Florida attorney general to add your complaint to his active investigation and go to my post in the pub and email your story to the reporter in the topic.

Just got another call from Joy on my cell. I told her I filed several complaints against them and to whom and told her I would be sending a debt validation form. She then asked me "Have you not received a letter?" I explained to her and Chris in "Processing" that I have not received any correspondence from them in writing.She then said that they would send me a debt validation if that is what I am requesting and that she would go ahead and inform the lawyers to continue. Mind you she was VERY nice. I said thank you and hung up. They cant bother me if they are not licensed with my state, right? The name of the company is Debt Doctor. I am in Texas. Does anyone know?

I have never heard of Debt Doctor. You would think with a name like that, they would be in the debt consolidation/settlement business and not a collector. Watch out for Bass, they think they are above the law and make all types of illegal threats. SCUM OF THE EARTH in my opinion, and a person has to be pretty desparate to work for that company.

They will never validate your debt...they cannot validate a debt that is not legal...They use this scare tactic on a lot of people regarding these dang pdl's....have you contacted your states AG?

What makes the debt illegal?
Does that mean that you should not pay it back?

The debt is illegal cause you Bass jokers break the law when collecting it!I would gladly take you to court to pay all my debts,but sadly that line is getting mighty long and I might end up with nothing! Oh Well,I guess I can settle for shutting them down. :lol:

You should pay back what you legally owe to the company...they are collecting on behalf of a Payday loan...in most states these ipdl's are bound by the state law of the consumer although they would have you believe otherwise...You have probably paid back what you owe in so called fees...if you go to paydayloaninfo.org and look up your state it will tell you your states laws...then you need to calculate how much you borrowed versus how much you paid and see if you still legally owe the company any money

I agree with Cajun! Lets shut them down. I am wondering if they will attempt to call me again or will I receive something in the mail after all. The way Chris from Jackson Phillips told me was.."Misty, what you did is not a misdemenor in your state. You misappropriated use of FEDERAL funds. This is not something you are just going to get a letter in the mail about." What a jerk. Now that I think about it, he straight told me they were not going to mail me anything. Thats illegal right?

The whole dang company is illegal! I don't know how the heck they haven't been shut down!

They survive by playing a corporate shell game.With the help of a few Attorney generals and a reporter maybe we can rope them in for good.

Hey, I am in, whatever I need to do. I have already complained to the BBB and the Florida Attorney General's Office. I am well on my way.

Misty,visit my topic in the Pub.I have a reporter that wants to hear from Victims of bass and other collectors.Hs email is in that topic.

Cajun, just sent an email to the reporter. Hope this helps.

Misty every email helps.This reporter sadly does not know how widespread this goes,but he is very interested in hearing from everyone.I gave him all the verified contact info for Bass/Jackson and told him about our site.

You guys were in the same boat. On Friday I receive a call from Dean McCoy with Jackson, Phillips and Associates. I was in tears because he was saying things so fast and kept telling me I committed a felony and I would be arrested at my job by 1:30 if U didn't have the money paid when he called me at 12 noon. I am a teacher's assistant and on that particular day I was by myself with a classroom of 18 pre k students trying to get them settled for their rest time. I told him I was real busy and could I call him back. He told me that I needed to talk to him to get the problem resolved so that he could stop any further action with the local authorities. I didn't have the money which was the amount of $541.52 and I only received $200 from SGQ Processing. I had to bother my mother at first he was willing to take her credit card and put the payment on that but he want her CVV code which she wasn't going to give up. JCPenny's, gas stations and other places don't require her to use her CVV code so why did they need it? So he told her that if she didn't do that he would go ahead and call the authorities and have me picked up. Then she asked was there another way to pay and he said by paying at a MoneyGram location. He told me that I would have to surrender myself to the authorities first inorder for someone to get me out by MoneyGram money transfer. I didn't know had rights until after everything happened on Friday. But I am determined to help have something done about this company. I am not a criminal and from talking to him he would make any one believe that I am. He really got me because it was Mother's Day weekend and he knows I am a single parent because I told him. I have already made my complaints with FTC and I have sent the company a letter requesting the a breakdown of the amount that I was told to pay and I also ask them to send me a letter of proof that I have been cleared. I also wanted to be reassured that even though my mom paid at the MoneyGram station that they didn't take money of her credit card. What is the next thing I should do? I want to get in contact with SGQ processing because I haven't had access to my loan account information via internet like other pdls do. I really want to be a part of shutting them down.