Debt Settlement

AAA Legal Hooked Me Up With JCG Consulting for Debt Help and He’s Vanished

Written by Steve Rhode


Dear Steve,

I believe the financial counselor I was referred to from AAA Legal in Arizona/Florida was not legitimate.

AAA Legal signed me up for a debt consolidation program and canceled my account after full enrollment and the first procedure was started.

They referred me to Justin O’Dell of JCG Consulting LLC in Tempe, AZ in 2017.

After exorbitant amounts of money spent on him and his company, he told me he was under investigation in December 2019, and that his attorney told him I would not be able to reach him or his company and to seek my own legal counsel.

I sent him money from my severance pay and retirement account to pay off huge debt collections and had to enlist an attorney because I was being sued by 3 different creditors that he said he already paid.

I have records, texts, payments to his LLC. operation and bounced checks and now he has disappeared.

He had me sign up for Fraud protection with Experian in 2017 and they did nothing but continued to take $19.95 month for?

How can I locate him or his company? I took all my severance & retirement funds out and was laid off at 69 years old.

I paid off what I still owed creditors had to go to court to settle the rest and pay attorney fees.

Is there any way I can get help? I tried the FTC, Consumer Credit Counseling and AARP Fraud departments, but it is a vicious circle. I would go to Arizona to find him myself but cannot travel anywhere due to restrictions.



Dear Cass,

That is such a horrible experience.

I did find a company named JCG Consulting LLC that is still registered in Arizona. The Manager of the company is listed as Jennifer Pavloff and is said to be located at 600 W Grove Parkway, Apartment 1202, Tempe, AZ 85283

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I did find that a Jennifer Pavloff is listed with a company named ICO IT Management Group that says it is located at 909 W Grove Pkwy Apt 3045, Tempe, AZ, 85283. And the telephone number of that company was listed as 844-941-1233. – Source

An email address for Jennifer Pavloff is listed on the Arizona Company Registration below.

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Interestingly, there is another company registered in Arizona called Reduce My Card LLC where a JCG Consulting LLC is a member of that company along with a Nicholas Ponce. The BBB reports Reduce My Card telephone number is 800-750-9904.

And the State of Arizona does report that JCG Consoluting is a manager or partial owner of Reduce My Card LLC.

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I’d suggest you give them a call and ask how to get in touch with their owner, JCG Consulting who might know more.

It looks like that company went missing as well, a comment about the company said, “I am trying to get a hold of you to ask some questions so far no luck can you call me Debbie.” – Source

Another place to turn would be AAA Legal who you would think has contact information for the person they sent you to.

Please post an update in the comments below with any updates you have.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


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