Are you being called by Jormandy LLC?* Here's what you need to know.
You’ve been attempting to make the minimum payments on your credit cards, student loans, and medical debt, but since you lost your job due to ‘corporate restructuring’, it’s been impossible. Now debt collectors are calling you on a regular basis, threatening to drag your into court and garnish your wages if you don’t pay them. Is there anything you can do to stop the harassment?
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA), which was designed to curb and ultimately prevent abusive behavior on the part of third-party collection agencies. This consumer protection law made it illegal to use methods like the following to collect a debt:
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Showing up at your house to intimidate you
- Calling you at work when they know that your employer doesn’t let you take personal calls
- Raising their voice and making threats they have no intention of following up on
- Threatening to damage your reputation and credit rating
- Demanding amounts that exceed the amount of the original debt
Company Profile: Jormandy LLC
If you are being called by Jormandy LLC, information about the company is below.
Jormandy LLC is a debt collection office located in Norfolk, Virginia. It was established in 1998, has an estimated 19 employees, and is managed by its CEO, Susan Becker. According to the company website, it buys and collects charged-off debt across Virginia. A review of records on file at the PACER (Public Access to Court Electronic Records) website indicates that consumers who believed they were being harassed by Jormandy LLC refused to pay what they did not believe they legally owed.
Alleged Violations against Jormandy LLC
Kaye Blankenship vs. Jormandy LLC*
According to PACER, on or about May 8, 2013, Jormandy LLC filed a collection lawsuit against Virginia resident Kaye Blankenship to collect the balance on a Chase card debt it had purchased. It was accompanied by an affidavit claiming to be based on the original books and records of the original creditor, which appeared to suggest that that an employee of Jormandy LLC had access to the entirety of Chase Bank's original books and records and made its entries after reviewing those records, which was not the case. The only records held by Jormandy at the time the affidavit was signed were computer records, which contained very limited information about Ms. Blankenship and her alleged debt.
The initial hearing was set for July 8, 2013 in Wythe County General District Court. Ms. Blankenship retained counsel and disputed the validity of the debt sued upon, and the hearing was continued to August 26, 2013. Jormandy LLC requested that the case be voluntarily dismissed on August 12, 2013, allegedly because there were no grounds to continue it.
Feeling harassed by Jormandy LLC, Ms. Blankenship hired a consumer attorney and sued the agency for allegedly violating the FDCPA in the following ways:
- Using false, deceptive and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see either one on your caller ID when the phone rings, it means that you are being called by Jormandy LLC. If they sue you for a debt without providing proper evidence to support their claim, hire a consumer attorney. If you file a claim against Jormandy LLC and win your case, you may potentially be awarded $1,000 per FDCPA violation plus court costs and attorney fees. Never assume that because you owe money a debt collector is free to take advantage of you. The law states otherwise.
*Case taken from PACER (www.pacer.gov). File number is Case 7:13-cv-00493-GEC from the United States District Court for the Western District of Virginia at Roanoke.
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 Jormandy LLC, or any other third-party collection agency, you may not be entitled to any compensation.