Are you being called by Johnson, Morgan & White?* Here's what you need to know.
Tens of millions of Americans are pursued by debt collection agencies and ‘junk’ debt buyers, the latter of whom purchase vast quantities of unpaid accounts for pennies on the dollar before chasing you for the full amount. These companies will lie, threaten, and bully to get you to hand over your credit card or checking account details, hoping that you will never clue in that as an indebted consumer, you have rights that prohibit such treatment.
Your Rights Under the FDCPA
Although the Fair Debt Collection Practices Act (FDCPA) requires third party debt collectors to behave professionally when dealing with consumers, actions like the following result in hundreds of complaints to the Federal Trade Commission every year.
- Calling you several times a day, every day
- Failing to report to the credit bureaus that a debt is in dispute
- Using profane and obscene language
- Calling you outside of the hours of 8:00 a.m. - 9:00 p.m. in your time zone
- Refusing or failing to validate the debt and prove that they are authorized to collect it
- Presenting themselves as attorneys (if they are not) or police officers
Company Profile: Johnson, Morgan & White
If you are being called by Johnson, Morgan & White, information about the company is below.
Johnson, Morgan & White is a debt collection office located in Boca Raton, Florida. It was established in 1948, has approximately 20-49 employees, and is managed by its President, Robert Cooper. In January 2017 the company completed a strategic merger with Altus GTS Inc., one of the largest corporate collection agency in North America. Records archived at the PACER (Public Access to Court Electronic Records) website confirm that many consumers who believed they were being harassed by Johnson, Morgan & White chose to fight back instead of pay.
Alleged Violations against Johnson, Morgan & White
Dobbs Wiggins, Sr. and Jacquelyn R. Wiggins vs. Johnson, Morgan & White et al*
According to PACER, on or about April 8, 2016, Dobbs and Jacquelyn R. Wiggins received an initial collection letter from Johnson, Morgan & White regarding an alleged debt. Three days later they sent the agency a certified letter disputing the debt and requesting that all communication cease, but collection calls allegedly followed. On or about May 5, 2016, Mr. and Mrs. Wiggins received another collection letter, which stated that because they had failed to respond to the initial letter, their file was being reviewed for possible litigation.
Feeling harassed by Johnson, Morgan & White, the Wiggins's hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using harassing and abusive means to collect a debt
- Failing to send a debt validation letter
- Contacting them after receiving the dispute letter
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection company are as follows:
If either number appears on your caller ID, it means that you are being called by Johnson, Morgan & White. If they persist in calling and harassing you after you send them a dispute letter by certified mail, hire a consumer attorney. If you decide to file a claim against Johnson, Morgan & White, you could potentially be aw $1,000 per FDCPA violation plus attorney's fees and court costs. Standing up to a malicious collection agency could put them in debt to you instead.
*Case taken from PACER (www.pacer.gov). File number is Case 1:17-cv-00053-LJA from the United States District Court for the Middle District of Georgia.
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 Johnson, Morgan & White, or any other third-party collection agency, you may not be entitled to any compensation.