Are you being called by Jana Ferrell & Associates, LLC?* Here's what you need to know.
The average American household i carries approximately $15,000 in credit card debt. With the average credit card interest rate being 18%, this means that up to 9% of a family’s income could be directed toward paying off the balance. Many people are unable to maintain such a high remittance, especially if other financial problems occur, and sooner or later debt collectors will be calling.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was established in 1977 after mounting consumer complaints about collection agency harassment. This consumer protection law makes it illegal for third-party debt collectors to use tactics like those below to pressure you into paying a debt.
- Using profane or obscene language
- Telling the person’s friends, neighbors, and co-workers that they owe money
- Trying to collect an amount that is not authorized by law or the original creditor agreement
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Leaving vague messages that do not identify the caller as a debt collector
- Demanding amounts that exceed the original debt
Company Profile: Jana Ferrell & Associates, LLC
If you are being called by Jana Ferrell & Associates, LLC, information about the company is below.
Jana Ferrell & Associates, LLC is a debt collection company located in Oklahoma City, Oklahoma. It was originally established in 2009, has approximately 25 employees, and is managed by Jessie Beck. Records digitized at the PACER (Public Access to Court Electronic Records) website confirms that consumers who believed they were being harassed by Jana Ferrell & Associates, LLC sued the company for compensation.
Alleged Violations against Jana Ferrell & Associates, LLC
Dustin Haffner vs. Jana Ferrell & Associates, LLC*
According to PACER,in the month of July, 2013, Oklahoma resident Dustin Haffner agreed to make $50.00 payments to Jana Ferrell & Associates, LLC every two weeks until a medical debt was fully repaid. On that same date of the payment agreement, he specifically asked for agency to not to ever call his place of employment, as his employer did not allow such calls, and told them that if they had any problems, to call his cell phone.
Despite making payments as agreed, on July 16, 2014, a collector named “Danny Guest” called Mr. Haffner’s place of employment and left a voicemail message to call him back. In the voicemail, Mr. Guest allegedly failed to identify the name of his company name or meaningfully disclose the purpose of the call.
Mr. Haffner returned the call and asked Mr. Guest why he was called at work, as he had requested that no such calls be made. The collector allegedly replied that he could call “any number on your record” to get a hold of him.
Feeling harassed by Jana Ferrell & Associates, LLC, Mr. Haffner hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Threatening legal actions not intended to be taken
- Using harassing and abusive means to collect a debt
- Failing to identify itself as a debt collector in all communications
- Calling him at work although such calls were not allowed
The matter was later settled.
Hire an Attorney
The phone number for this debt collection agency is 1-405-842-6074. If you see it on your caller ID at any time, be aware that you are being called by Jana Ferrell & Associates, LLC. If they threaten legal action to intimidate you and call you at work despite a clear request to not do so, hire a consumer attorney who can help you file a claim against Jana Ferrell & Associates, LLC. If you win, you may be awarded $1,000 per FDCPA violation plus attorney's fees and court costs. When a collection agency abuses your rights, you can make them pay for their mistake.
*Case taken from PACER (www.pacer.gov). File number is Case 4:15-cv-00134-GKF-PJC from the United States District Court for the Northern District of Oklahoma.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Jana Ferrell & Associates, LLC or any other third-party collection agency, you may not be entitled to any compensation.