In January, after the credit card bills from Black Friday, Cyber Monday, and the Christmas holidays are over, many U.S. consumers realize that they have reached their financial limit and will be unable to pay the bills they have accumulated.
They may soon be targeted by debt collectors. If this happens to you, staying aware of your rights can prevent a collection experience from becoming a nightmare.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a federal law that allows the ethical collection of legitimate debts and penalizes companies that use aggressive and stressful measures like the following:
- Trying to collect a debt that you don’t owe
- Failing to provide you with written verification of the debt
- Calling you every day to stress you into paying
- Threatening legal action that they have no intention of taking
- Saying that they have a wage garnishment order when they don’t
- Threatening to contact your employer if you don’t pay
Company Profile: JP Development, Inc.
If you are being called by JP Development, Inc., a general company background is below:
JP Development, Inc. is a debt collection agency located in Boise, Idaho. It was founded in 1995, has 14 employees, and is managed by Norman R. Garlington.
The PACER website’s litigation files confirm that consumers who believed that they were being harassed by JP Development, Inc. stood firm and refused to pay.
Alleged Violations against JP Development, Inc.
According to PACER, on or around December 18, 2012, JP Development, Inc. filed a lawsuit against an Idaho consumer to collect a credit card debt. She insisted that she had never taken out such a credit card and that her ex-husband may have acquired the card without her knowledge or consent.
On May 14, 2013, JP Development, Inc. allegedly filed an Affidavit of Service with the Court in a different county, stating that she had been served on May 1, but the consumer said that she had not been home that day.
On June 3, 2013, based in part on that affidavit of service, JP Development obtained a judgment against her and recorded a lien against her house. She was not aware of the lien until she attempted to refinance her home in September 2016.
Feeling harassed by JP Development, Inc., the consumer sued the company for the following alleged breaches of the FDCPA:
- Filing in the incorrect venue
- 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 a Consumer Lawyer
The phone number for this collection agency is 1-208-389-9983. If it appears on your caller ID, you are being called by JP Development, Inc. If they obtain a court order against you on grounds that appear to be fraudulent, act on your rights by hiring a consumer lawyer and file a claim against JP Development, Inc. You may be awarded $1,000 per FDCPA violation, putting an unethical debt collector in debt to you instead.
Case taken from PACER (pacer.gov). File number is Case 1:16-cv-00452-WBS from the United States District Court for the District of Idaho.
*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 JP Development, Inc., or any other third-party collection agency, you may not be entitled to any compensation.