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How Can I Stop JD Enterprises From Suing Me? – Denise

“Dear Steve,

I am 52, single, have a decent paying job, but am struggling to pay my current bills. I live paycheck to paycheck. I am trying very hard to catch up and get ahead. I was contacted at my work last week by JD Enterprises about a debt from 2001.

They said their process server was on his way to my office to serve me – unless I called them immediately to speak with them. I called. As I mentioned, this debt of $1300.00 was originally from AT&T back in 2001. They say they sent me a notification a couple of times in all these years, but honestly, I don’t remember receiving anything from them. (I’ve moved a couple of times.)

I offered to make payments to them, but they insist on $300-500.00 right now to stop the lawsuit. I don’t have that kind of money. I could make small payments that I could gradu ally increase, but they refuse. I also have two other collection agencies I need to address that are more recent, but they haven’t threatened lawsuit yet. I’m sure that is just around the corner as well.

I don’t want to file bankruptcy, I had to do that 10 years ago after my divorce and besides, I don’t want to file bankruptcy on my smaller accounts that I am keeping current and paying on, and I can’t afford to pay them off in order to file on these big ones. I do not have anyone I can borrow money from either and I am already paying on a loan from my bank.

Is there anything I can do to stop JD Enterprises from suing me and convince them to let me make payments without a big down payment?

Denise”

Dear Denise,

Do you have an address and phone number for JD Enterprises? The first thing I’d do is send them a letter by traceable means asking them to show proof of this debt if you feel you don’t owe it or are unsure about the amount they claim.

These old zombie debts that come back to life after long periods of time are sometimes not valid claims. Depending on the state you live in they may not be able to sue you since the statute of limitations for taking legal action my have expired. The threat to sue may just be a bluff.

Of course you can legally terminate any claim for the debt by considering bankruptcy. I know you mentioned you did not want to go bankrupt because there are several smaller bills you are paying on. But there is nothing that prevents you from going bankrupt and repaying any creditor. The advantage of bankruptcy in your situation is that it would break the cycle of just making it month-to-month and close the door on the other debts you know are looming.

If you have not met with a local bankruptcy attorney you should consider it. The appointment is free but the advice is priceless. Meeting with a bankruptcy attorney does not mean you are filing. You can actually meet with an attorney, get advice, and not be obligated to file. In your situation, the more knowledge you have about your options, the more power you have to make the best decision for you.

Update: 1-26-2012

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About Steve Rhode

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.
  • Eetporvidaa

    If you are having issues with this company, you should file
    complaints with the California Attorney General, The FTC and any other
    person that you can. If enough people start complaining, somoene will
    take notice.

    http://ag.ca.gov/contact/compl… <-Link for Attorney General of California

    https://www.ftccomplaintassist… <- FTC Complaint
     

  • Karma

    To anyone having issues with JD Ent & Fin Svcs, I may be able to help.   Post where I may contact you and I shall, believe me  While I personally have not had any financial issues with this ‘business’, I do have information and sufficient debt collector slap down knowledge and experience to help.  This applies to ANY debt collector and is ‘by the book’, meaning LAW..
     I currently have one federal law suit against a debt collection attny in San Jose, just filed a counter civil against debt collector attny in civil court, won one judgement against BofA, and  just filed another against them for theft by retention of my personal property.
    I am not a business and willing to help anyone at no fee, ESPECIALLY against this company, call it  PERSONAL.   Karma is indeed a bitch !, so lets just call me…. KARMA

    .
      

    • Troubled

      Would like to speak to you, same problems with this company and harrassment everyday.

    • Troubled

      Would like to speak to you, same problems with this company and harrassment everyday.

      • Alphmatters123

        Somehow, without logic, reason or precident, the BBB has removed all Complaint Details from their wesbsite about JD Enterprise and Financial Services. A few months ago and for the last 2 years, the BBB displayed the complete details of consumer complaints against JD Enterprise and Financial Services. Now, if you go to the BBB, you will see they have REMOVED the complaint details and therefore the public is no longer fully informed of the issues people have had with JD Enterprise and Financial Services. This is unbelievable, unacceptable and a sad day indeed. In order to inform the public of the issues expressed by people seeking out the BBB for assistance, below you will find the actual Complaint Details that the BBB has stripped off from it’s website.

        08/17/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 08/17/2011: Consumer states, this company refuses to validate this debt for $500 I need all the copies of the bill totaling $500 dollars before I will remit payment.
        Business response: We have records showing that copies of the bill has been sent to you a few times by the original creditor, here in our system. we have sent you our 30 validation letter, which we did not receive any notification from you. That was by law, your 30 day validation notice has been sent over a month and a half, on July 2, 2011. We have not heard from you until the 15th of August letting us know that we are on your credit report.

        07/28/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 07/28/2011: After I made my case known the so called manager hung up on me after I said it was not my wife’s account and that I had proof. I then called him back and stated that I was a military member stationed overseas for the last several years and this claim was false. He then hung up on me again to prove that this was how he dealt with people who do not pay their debts and he said I would never get my home loan without paying. I called him a third time and he said he remembered me and I proceeded to ask for the account information and he said look on the credit report that he was not going to send me anything and then he hung up on me again. Who allows this man to work for them and who gives these people a license to do business.
        Business response: I am sorry you experienced this kind of behavior. Per our conversation today on the phone, I told you that I have suspended Kevin for 5 days without pay for his behavior. I thank you for resolving this matter with my company today. and appreciate your professionalism.
        Consumer rebuttal: I was contacted by a Mr. Joe Willis (Owner) and he helped me resolve my collections issue. If he had been the one I initially had been in contact with I would not have ever had a problem. He assured me that the man I encountered via telephone was repremanded and sent home without pay for a long duration of time. Joe is a true professional ! Thanks Joe

        07/28/2011
        Problems with Product/Service View Details
        Additional Notes
        Complaint: 07/28/2011: Consumer alleges company has very poor customer and accuses the consumer of a debt that they can not provide. Company called the consumer stating that they owed a debt and that she was getting sued. Company was calling and harassing her. They ran her credit without her permission. Consumer contacted the courts as well the party that the company states there was a past due account and nobody was able to find the account or case.
        Business response: Please note that I am not sure what you are talking about in regards to you getting sued??? I have audited your account and we purchased the account from a very reputable company that does business with the original creditor. as for running your credit report, by law when we acquire your debt with a purchase, we are allowed to run your credit report. We have also, sent you a letter to you required by law and we never heard from you. Please also know that when we purchase these accounts, the original creditor purges your information from their system after so many years or months. when they sell a debt to us, they are giving up the rights on the file they sell. Thank you – President

        06/24/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 06/24/2011: I contacted the company JD enterprise regarding account #D18602N1 by certified mail return receipt and it was received by the company on 4/21/11. I asked them to validate this debt and to also cease and desist reporting this fraud account to the credit bureaus. As of this date, I haven’t received information requested nor have they stopped reporting this fraud account on my credit file. I know that my rights have been violated and I know that they were not to continue reporting this fraud account after receiving my request to cease and desist. I have documentation to support my complaint. The statute of limitations has also expired on this account. At this point, if this account cannot be resolved, I will not hesitate to litigate against you for your unethical practices while continuing to ruin my credit worthiness. Delete e fraudulent account.
        Business response: Please be advised that we have responded to your letter dated April 21 2011 and in that response we validated the debt by sending you the information about your debt. We also asked you to provide us with a police report and a affidavit of fraud which we never received from you. We need that for our records so we can further investigate this with your prior or current bank. The information that we have is a loan taken out by you, the money was deposited into (SunTrust Bank) ABA# is 061000104 and Account # is 1000000746148. Bank address is 710 W Westover Blvd. Albany GA 31707 with a phone number of 229-430-5435. This has been confirmed that you were the account holder at that bank. The email you used was tanekawho@aol.com which was also confirmed. The money was deposited into your account and you never paid it back. Please note: if you provide us with the requested above, we will remove this off of your credit report. Thank you. Joe Willis- President

        05/09/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 05/09/2011: Consumer states company used high pressure collection tactics, refuses to provide proof of debt, and is refusing to remove derogatory reporting from his credit report. He started receiving collection calls from the company since 2006. However, when he requested proof of debt, he is told that it is a verified debt or that proof was mailed, he has never received anything. The company called both him and his family members in a harassing manner. To try and stop this he was going to pay, however, the company stated they could only take payment by certified check or with a pay card, he found this suspicious and did not make payment. When he contacted a third party agency, the collection calls stopped, however, the company has now placed the amount on his credit report. He has tried contacting the company to resolve this but they only insist he owes the monies.
        Business response: I am sorry you have experienced this with my company. Please be assured that we obey the laws and follow the rules and if this happens, I personally make sure that they are reprimanded or FIRED. In reviewing your file, I have closed your account and removed this off of your credit report. If you have any further questions, please call me directly. Joe Willis – President

        1 2 3 4
         
         

        08/29/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 08/29/2011: I mailed JD Enterprise and Financial Services by Certified Mail and Return Receipt #7010 2780 0001 9701 7859 on 8/1/2011 asking per Fair Debt Collection Practices Act for Verification of the collection account they placed on my credit report. In early June, I disputed the JD collection account on my credit report through Experian and it was removed by Experian as JD was unable to verify this account to Experian per FDCPA rules. Approx one week later, JD re-listed this unverified account as another account on my Experian report. JD has my current address, yet they have never mailed me any verification, legally obligating me, and or proving that their collection account actually belongs to me. They were mailed by me on 8/1/2011 with a request to VERIFY the account per FDCPA or remove from my credit report. I have not received any response. The collection account they placed on my credit report is still there, even though they refuse to VERIFY it by law. JD also put two inquiries into my credit report, one in Jan 2011, another in March 2011.This was done as an extortion measure only to hurt my credit score. Collection agencies are not allowed to pull your report in this manner, nor do they need to do so to place an account on your report. In so doing, my credit score was lowered even further buy these two, illegal and unsolicited inquiries. This company is known for extortion attempts and I want them to remove their account and inquiries from my report immediately.
        Business response: We did receive your certified letter, but inside was nothing?? blank?? we wrote you on the same day we received it on August 4th 2011 advising you that we received a certified letter with nothing in it and you never responded. in matter of fact, you never called out office, to verify this at all. one would think that if you had a dispute, you would call and speak to a manager and try to resolve this matter. This account has been re-verified and proof has been sent to you many times, from the original creditor and other agencies. under the FDCPA, you are allowed to request that once, not 5 times. I am not sure how you got this deleted by Experian, but we verified with them that you disputed this matter and we wrote back to them, that this was yours and never got anything from you.
        Consumer rebuttal: The certified letter’s contents were placed into envelope by US Postal Service Employee at PO as I was unsure how to fold the pages. An in person, 3rd party notary read and observed as the pages were placed into envelope and under seal. USPS confirms delivery of this letter. The only POLICE report that can/would be filed at this time is against JDEFS for committing fraud and operating under RICO definitions. JDEFS is not licensed in the state of Maryland to operate as a collector; furthermore, no one on EARTH would pay an alleged debt when A.Debt remains completely unverified. B.Alleged debtor NEVER receives any documentation proving the debt is theirs C.JDEFS cannot or will not provide proof of purchase or assignment that JDEFS even owns this alleged debt at all.This company is a RICO entity and I have made all the appropriate inquiries and submitted all the necessary documentation to FTC, Maryland AT, California AT, FBI and Justice Department.I WILL see this matter through to fruition.You WILL remember my name and will be held to account for the first time.Just wait till FBI probes you, see’s how you move funds and how you operate and extort. Its over.
        Final business response: I am not sure where you are going with this, but you do what you need to do. I have by law sent you our first 30day validation letter, that you claim you did not receive.I have never heard from you within the 30 day validation letter. I have asked you plenty of times to provide me with a Police report and a Affidavit of fraud and you have not provided that to my company. All you want is proof proof proof. (If this was my account, I would ASAP RUSH and provide this to you) My company is legit, and you are spamming my company to all these agencies. I will be contacting my attorney to review your slander and spamming and false accusations about my company. you will be hearing from me shortly.

        07/21/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 07/21/2011: This company is trying to collect on a already paid debt to AT&T. They refuse to provide proof and black mail me in paying it in order to remove it. They refuse to send collection letter, provide evidence or even speak. They are attempting to collect a bad paid debt.
        Business response: Please note that when we purchased this account, there was a balance owed. Our letter did go out to notify you in regards to your debt owed and you never responded to it. As for blackmailing you??? You called in our office, claiming that we are on your credit report for $56.00 and we said, out of common courtesy we would delete it off of your credit report if you paid. If you want proof, please give us 60 to 120 days to get the file from the original creditor or you can call them yourself. Also, if you claim you paid this, please provide me with proof of payment or a paid in full receipt. Thank you, Joe Willis – President
        Consumer rebuttal: I do not believe this is a valid debt. I could seek legal action as a matter of principle and pursue this further. However, I do not have the time to stand on principle. If you provide me with a letter that you would delete it off the credit report and make assurance this will not be sold to another agency, I will go ahead and pay the $56 amount. Please feel free to contact me directly
        Final business response: Thank you, calling you now to resolve this matter.

        04/18/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 04/18/2011: MR willis and I were coming to agreements on an old debt and he decided to continue his efforts to collect and I wa willing to pay untill he told me he was done with me and was taking me to court. He then turn around and withdrew money from my bank account not in one transaction but in numerous attempts to collect in small amounts the first transaction was 25 dollars, then more to include a final one resulting on NSF which overdrew my account and charged me 4 NSF charges of 25 dollars each from my bank.
        Business response: I am really surprised that you even made a complaint, where you made the arrangements with me and gave me your debit card to withdraw $895.00 from your account to settle this matter. you told me that you could not do the $895.00 because you paid off another creditor and advised me that you are willing to make payments of $100 to $150 per month. so we withdrew $125.00. we had a problem with your bank so we did 3 transactions due to the fact that some banks would not allow over $100 to be taken at one time (for security purposes). We own the rights to the debt, I will not sell the debt. I have a bill of sale stating that a well. (((( I never stole any money from you ))) you authorized these charges and now you want your money back??? Georgia has a 6 year statute of limitation on written contracts and this is a contract yo made with Embarq… one thing you are correct about me telling you that we were going to file suit if you did not work with our company, but you decided to work with us.
        Consumer rebuttal: Attn: Mr Willis…I was under the assumption that in our final conversation over the phone before you hung up on me was and I qoute ” I am Through with you!!!!!” that you were filing your lawsuit and Therefore I was under the inmpression that you were refusing to accept any and all debt resolutions…Therefore I DO want the money your took from me and I am no longer going to cooperate under any and all terms you wish due to the fact you refused my cooperation and any resolution I was offering due to your reluctance to cooperate..and then to try to take funds from me…Behind my back!!!!…Your actions were underhanded and I consider it theft…Return the funds!! and discontinue collection efforts. Cause I do not deal with dishonest people!! find a way to be rid of the account or try later when a year has passed..cause i dont care about the verbal contract we created…YOU VOILATED IT!!
        Final business response: You can say what you want to say, but we know the truth…This is why you gave your debit card for us to withdraw the money like I said before, call me if you want to resolve this matter. Respectfully, Joe Willis – President

      • Alphamtters123

        04/01/2011 Billing/Collection Issues View Details
        Additional Notes
        Complaint: 04/01/2011: JD Enterprise has not contacted me directly in writing regarding any debt owed them nor did they send notice informing me of my right to request validation or verification of debt. JD Enterprise requested a “hard” copy of my credit report without verification, the credit inquiry was not appropriate. On March 21, 2011 a man who called himself Dick Turpin who claimed to represent a company that had no record of him called my cell phone and said that he was going to serve me with legal papers if I did not call a # that belonged to JD Enterprise. It is unlawful to threaten legal action for unverified debts. It is unlawful to harass or use deceptive practices to collect debts. JD Enterprise placed the entry on my credit report and continued to report it as verified after I disputed the entry with the credit reporting agency. To collect a debt without verification or to report a debt that is not verifiable is unlawful. They continue to update and report an increase in the balance they say is owed each week by an average of $2.00 per week. The entry is unverified and incorrect. There has not been any attempt their part to explain the amount owed and why as required by law. Each entry is a violation. JD Enterprise re-aged this alleged debt unlawfully. As a gesture of goodwill, though not to accept this debt as valid, I have sent this firm a formal request for validation of debt. The original creditor they list (SprintPCS) has not record of this debt in my name.
        Business response: My records show that my company has never ever contacted you ever. the only contact we had is between you and Experian. We received your dispute and we answered the dispute with Experian, I am not sure why you have not received it yet. if you claim this is not your, please send me an affidavit of fraud, I need it notarized and signed by you. This bill did not make itself up. we have sent you 2 letter from our company in regards to the debt and we have not heard from you. We purchase these debts from a very reputable company that does business with Sprint for years. and my company purchases none fraudulent accounts and accounts that have paid over the years. Oh and by the way, when sprint sells their accounts, they purge all accounts from their system, once they sell the rights to said agency.
        Consumer rebuttal: This response does not answer the basic issues at hand. It is essentially a cut and paste response to the several other complaints this site has logged for this company. The issue is not fraud that caused the debt but rather fraud on the part of this company. The facts are clear: 1. They did not inform me of any debt in writing. 2.They have since refused my letter requesting verification of this debt as my right per FEDERAL law (Cert letter #70101870000124909672). 3.They indeed had someone impersonating a process server call me. This tactic is also on public record in prior complaints vs this company. It is not deniable at this point. 4.Experian is not obligated to verify contested debt, the collector is. They just report. However, any attempt by this company to verify falsified records (re-aged) with Experian is a violation of FEDERAL law. 5.To verify this debt this company is obligated to send me detailed information of debt including original records from original creditor. I tried this venue to settle this matter in good faith.This was not a refusal to pay. Simply requesting verification as per my right and putting on record that this company is refusing.
        Final business response: How many letters and verications do you need to see what you owe!! We sent you our first demand letter by law and was never returned to us. As for your process server story, I monitor my employees all the time and I never hear that. Unless you are making this up from reading the same lies that is posted as complaints against my company. As for your letter, none of my employees are allowed to sign any certified letters that come thru the door unless I am there. They always tell the mailman to please redeliver the mail the next day. And for your information, this is rhe perfect tactic to request documents again that you received in the past. How many documents do you need to pay your debt. You received your final bill from the original creditor and probably the 1st agency that bought this debt and are stll asking for the same dicuments? You know aswell as I do that If you did not owe this debt. You would of sent in what I requested. Call me If you want to resolve this matter. we are not fraud, we handle in the 10’s of thousands of accounts and only have 31 complaints. Joe Willis- Presedent (562) 947-2512

        02/23/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 02/23/2011: The caller used profanity, derogatory references and claimed he was a police officer and then claimed he was a court officer.
        Business response: There is no way on gods green earth that this happened. First let me tell you that you tried to dispute this last month with Experian and we sent the dispute back as this is a valid debt. We DO NOT CALL AS OFFICERS or AGENTS PERIOD. I as the owner of the company monitor my entire staff in regards to the FDCPA all day long. I open up my business before anybody gets here and I close my business after everybody leaves. You claim this is a 10 year old debt? that is not true. this account was opened up on August 15, 2002 and started to become delinquent in May of 2005 and Charged off by AT&T the following year April of 2006. Your At&t Was sold in 2007 to 2 other agencies (Billing companies) then we purchased the rights to your account. We bought the rights to your At&t account June, 2 2010 and sent you 2 letters that you never responded to. All you did is just dispute it with Experian. The reason this account is not in the At&t system, they purge all accounts that get sold. Your phone number that you had at the time was (714) 679-0657.
        Consumer rebuttal: You called both my mother and father’s homes who I have not lived with in over 20 years. You lied and claimed you are an officer of the court, which you are not. The account in question is 9+ years old since my non payment and AT&T closed it because they had no reason to bill me. You will never see one cent and your calls to relatives will be ignored. You are a liar, a snake oil salesman and an embarrassment to yourself and others. Grow up. If you want to send me a bill for something send it to my home.
        Final business response: Such harsh words.. I am the owner of the company, there is no reason for me to lie, cheat or steal. I have been in business for many years now and if I was a lie and a cheat, my company would be shut down by now. I am sorry, but I am not buying any of this. if you want to resolve this matter, you know where I am at. Joe Willis – President

        Complaint: 08/17/2011: Consumer states, this company refuses to validate this debt for $500 I need all the copies of the bill totaling $500 dollars before I will remit payment.
        Business response: We have records showing that copies of the bill has been sent to you a few times by the original creditor, here in our system. we have sent you our 30 validation letter, which we did not receive any notification from you. That was by law, your 30 day validation notice has been sent over a month and a half, on July 2, 2011. We have not heard from you until the 15th of August letting us know that we are on your credit report.

        07/28/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 07/28/2011: After I made my case known the so called manager hung up on me after I said it was not my wife’s account and that I had proof. I then called him back and stated that I was a military member stationed overseas for the last several years and this claim was false. He then hung up on me again to prove that this was how he dealt with people who do not pay their debts and he said I would never get my home loan without paying. I called him a third time and he said he remembered me and I proceeded to ask for the account information and he said look on the credit report that he was not going to send me anything and then he hung up on me again. Who allows this man to work for them and who gives these people a license to do business.
        Business response: I am sorry you experienced this kind of behavior. Per our conversation today on the phone, I told you that I have suspended Kevin for 5 days without pay for his behavior. I thank you for resolving this matter with my company today. and appreciate your professionalism.
        Consumer rebuttal: I was contacted by a Mr. Joe Willis (Owner) and he helped me resolve my collections issue. If he had been the one I initially had been in contact with I would not have ever had a problem. He assured me that the man I encountered via telephone was repremanded and sent home without pay for a long duration of time. Joe is a true professional ! Thanks Joe

        07/28/2011
        Problems with Product/Service View Details
        Additional Notes
        Complaint: 07/28/2011: Consumer alleges company has very poor customer and accuses the consumer of a debt that they can not provide. Company called the consumer stating that they owed a debt and that she was getting sued. Company was calling and harassing her. They ran her credit without her permission. Consumer contacted the courts as well the party that the company states there was a past due account and nobody was able to find the account or case.
        Business response: Please note that I am not sure what you are talking about in regards to you getting sued??? I have audited your account and we purchased the account from a very reputable company that does business with the original creditor. as for running your credit report, by law when we acquire your debt with a purchase, we are allowed to run your credit report. We have also, sent you a letter to you required by law and we never heard from you. Please also know that when we purchase these accounts, the original creditor purges your information from their system after so many years or months. when they sell a debt to us, they are giving up the rights on the file they sell. Thank you – President

        06/24/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 06/24/2011: I contacted the company JD enterprise regarding account #D18602N1 by certified mail return receipt and it was received by the company on 4/21/11. I asked them to validate this debt and to also cease and desist reporting this fraud account to the credit bureaus. As of this date, I haven’t received information requested nor have they stopped reporting this fraud account on my credit file. I know that my rights have been violated and I know that they were not to continue reporting this fraud account after receiving my request to cease and desist. I have documentation to support my complaint. The statute of limitations has also expired on this account. At this point, if this account cannot be resolved, I will not hesitate to litigate against you for your unethical practices while continuing to ruin my credit worthiness. Delete e fraudulent account.
        Business response: Please be advised that we have responded to your letter dated April 21 2011 and in that response we validated the debt by sending you the information about your debt. We also asked you to provide us with a police report and a affidavit of fraud which we never received from you. We need that for our records so we can further investigate this with your prior or current bank. The information that we have is a loan taken out by you, the money was deposited into (SunTrust Bank) ABA# is 061000104 and Account # is 1000000746148. Bank address is 710 W Westover Blvd. Albany GA 31707 with a phone number of 229-430-5435. This has been confirmed that you were the account holder at that bank. The email you used was tanekawho@aol.com which was also confirmed. The money was deposited into your account and you never paid it back. Please note: if you provide us with the requested above, we will remove this off of your credit report. Thank you. Joe Willis- President

        05/09/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 05/09/2011: Consumer states company used high pressure collection tactics, refuses to provide proof of debt, and is refusing to remove derogatory reporting from his credit report. He started receiving collection calls from the company since 2006. However, when he requested proof of debt, he is told that it is a verified debt or that proof was mailed, he has never received anything. The company called both him and his family members in a harassing manner. To try and stop this he was going to pay, however, the company stated they could only take payment by certified check or with a pay card, he found this suspicious and did not make payment. When he contacted a third party agency, the collection calls stopped, however, the company has now placed the amount on his credit report. He has tried contacting the company to resolve this but they only insist he owes the monies.
        Business response: I am sorry you have experienced this with my company. Please be assured that we obey the laws and follow the rules and if this happens, I personally make sure that they are reprimanded or FIRED. In reviewing your file, I have closed your account and removed this off of your credit report. If you have any further questions, please call me directly. Joe Willis – President

        1 2 3 4

        01/13/2011
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 01/13/2011: This company stated they are collecting for a payday loan. I asked for verification of this debt and the original amount owed on two separate occasions and they have refused to send it to me. I also let them know that I filed bankruptcy and that they would need to contact my attorney in regards to this debt. They have refused to do that in the mean time they are still reporting this debt on my credit report, the amount keeps going up. Since they refuse to validate this debt how do I know it’s mine and if the amount they state is correct. I want a validation letter proving that this is of course my debt and that they cease with put incorrect information on my credit report.
        Business response: Please note that the information that you asked for was mailed to your address of 5405 NEWTON ST. apt 2. Hyattsville, MD 20784. Also, on November 27th of 2010 you gave us a debit card for $300 to run on November 23rd, 2010 which declined. We provided you that you had opened up a pay day loan that was opened up on 03/16/2007 and became delinquent on 058/16/2007. the bank account used was Andrews Federal Credit Union which was verified by them that you had an account there last 4 digits of the account # is 3919, which was also verified. Your email address was used also as cjones@osophs.dhhs.gov . Please also note that we have complied with all of your requests to this date. Not once we received a police report, an affidavit of fraud or a signed notarized letter saying this is not yours. But the most puzzling thing about this is, you gave us a debit card to start paying this 23 months ago??? I do not understand it. Also, you claim that you are filling for bankruptcy, We have never received anything in the mail or verbally with your attorneys phone number or case #.
        Consumer rebuttal: I filed bankruptcy on 3/4/09 and NOFAXPAYDAYLOAN was sent the paperwork since they are the original creditors, by my lawyer. Furthermore, when the petition went out your client NOFAXPAYDAYLOAN doesn’t have workable address nor myself or the my lawyer could find there legal address. I just recently found out about your company and posting on my credit report. That is when I contacted you and once I got the information from you I realized that this account is on my bankruptcy. I had put this I have tried to give you the information for my lawyers but you have refused to take the information. So there for here is my lawyer’s information Michele Payer, esq. 410-628-6868. I currently under a Chapter 13 which I make my payment through the Federal Trustee. You can further discuss with my lawyer and stop harrassing me and putting incorrect information on my credit report.
        Final business response: With all due respect, thats not how this happened. As the owner of the company, why would I refuse your attorney’s phone number, you told me that you did not have his phone number but his name only and you would get back with me. So, now we have your proper information, we will verify your bankruptcy and close your account ask bankrupt. Thank you. Joe Willis – President

        12/27/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 12/27/2010: On 12/17/2010, I made contact with a Mr. Bryan James. I inquired about a debt that originated with Sprint PCS. My credit report shows that J.D. Enterprise reported this debt to Experian, with a balance of $845.00 in December 2010. I asked Mr. James if he could please send me a bill and he said he was not required to do so. I explained to him that I wanted to pay the debt in full and he stated that it was no longer $845.00, and that it was now going to cost me $1,345.00. I questioned Mr. James about that dollar amount and he proceeded to tell me that if I didn’t pay it that day, that I was going to be sued. First off, this debt originated in 6/2003, I believe after 4 years, the debtor cannot be sued in court. In wanting to do the right thing, I paid Mr. James $1,345.00 that day. On that same day the debt was paid in full, Mr. James verified this debt once again with Experian so it hit my credit again. I think it’s truly sad when someone is trying to do the right thing and in turn, pretty much, gets robbed. This debt was only $221.00 when it first became delinquent, which is a far cry from $1,345.00.
        Business response: Mr. Jackson, It is not in our business to overcharge, in most cases we do not report our interest or other collection fees to Experian Credit reporting. I am looking into this matter ASAP and if you are due $500, I will refund you that money ASAP. I wish that you would have called me Personally and spoke to me directly to resolve this matter. I did pull your account and noticed another account that we have in our system. But I will have to do more investigation and call you back on this.
        Consumer rebuttal: Customer emailed: I would like to know if this matter has been looked into and what the final outcome is. The response I got had no name as to who to contact regarding this matter. I would have contacted this person directly, however, I was never given a name or number to someone that I could speak to if I had a problem. Regarding the other account that you said you have in your system is a duplicate entry, they just show different home addresses, one in Rio Linda and one in Sacramento. These are not 2 different debts. I would greatly appreciate a response to my complaint. Thank you very much.
        Final business response: Mr. Jackson, I would like you to please call my office ASAP so we can resolve this issue, if you are due money, the money will be refunded to you. I do have some questions as for your Social Security number and date of birth etc, so I can property identify your account. you can reach me at 562-947-2512 my name is Joe Willis the President of the company. Thank you again.

        12/20/2010
        Advertising/Sales Issues View Details
        Additional Notes
        Complaint: 12/20/2010: Back in December 09 I get a call from some company claiming to be a process server. I was told to call a number and speak to Joe to settle this matter or else they were going to come serve me. I called the number and spoke to Joe, who was not very helpful and would not give me any information. He told me I had to pay over $1000 that day or I was going to be picked up. I tried to ask what the money he was asking for was for. I was told of some account with tendollarpaydayloan.com opened in October 09. I asked that information be mailed to me, then I was told that the only way I would see any information regarding this so called debt was in court. Since the initial call I have been called several more times at my job and threatened; which I do believe to be unfair debt collecting practices according to the FTC. I have not received any documentation of this debt, I was not given my 30 days to dispute this debt that JD Enterprises and Financial Services say that I owe. Lastly I have never opened an account with tendollarpaydayloan.com in October 2009, so the information being reported to Experian is false! I have also contacted the FTC.
        Business response: Tiffany, I am not sure why it took you over one year to complain about your alleged mishap with my company. First of all, this debt was purchased in Oct of 2009, not opened. we have never said that we are coming to pick you up or called from a process server. I am somewhat aware of your account since I did talk to you and explained to you that we did send you a 30 day validation letter and provided you with the information that Money was put in your bank account and with your account number that was verified thru Citibank. Also, your Email address matched our records that when you used to get the loan in Dec of 2006 and never paid it back. The email that was used is tiffany@missistar.net at the time and this was verified by your bank that the money was put in your bank. I offered you a settlement on this file and you declined it. Please also note that you were given 3 notices from other agencies in regards to this account, they mailed you your 30 day validation and you never responded to it, just like us. the only thing you did is dispute this with the credit reporting agencies. I am willing to resolve this matter with you, but you and I have to come up with an agreement to resolve this matter. and lastly, when we called your job, all we do is ask for the money, we do not threaten.
        Consumer rebuttal: Consumer expressed via letter, The company has been dishonest in their response, as I have witness regarding the harassing phone calls. I was never given a 30 day validation letter from this or any other company. My credit report states the account was opened in October/2009, however they themselves admit in their response that this is not true. Why are you reporting it this way?
        Final business response: I am not sure why you say we have been dishonest. We are debt buyers, a debt that you accrued in Dec of 2006. Plenty of letter has been sent to you and if you are worried about the reporting, i will have to investigate the matter and see that it will be fixed to your charge off date of 2007. we have by law, 7 years to report that from the charge off date. as we are the new owners of your account. Again, we have enough proof that you opened this up and money was deposited in your account. if you are saying this is not you, sent me an affidavit of fraud and notarize it and I will have my attorney look at it and decide what we are going to do. none the less, we always send out the 30 day validation letter, the problem is, you never responded until you saw this on your credit report. if you want to resolve this matter, call me like i said, I am more then willing to resolve this matter with you.

        delinquency of up to 7 years. Just to make this go away, I am willing to delete this off of your credit report within 10 business days, if you provide me a letter stating that you will drop the law suit that you claim you filed.
        Consumer rebuttal: Again you lie. i did not contact you in October you contacted me because of the lawsuit that was filed. after the call I called my attorney and he said you should never have called me. you Know this account is over 10 years old. I explained to you that I was mugged in 2001 and that I was in the hospital for a long time so, I know exactly when the payments started on this account. You know your company buys old bad debt and it would be best to remove it before the suit goes to court and by the way the court case is 2:10-cv-01319-mea so here is more proof that your avoiding service and that you are aware of the case. Kind regards,Ken
        Final business response: Mr. Pellerin, I have no reason to lie about this at all. this debt is no where near 10 year old. My company does not even buy these kind of accounts. I am sorry you feel this way, but if you feel that this is not your account, please send me a police report or an affidavit of fraud and I will kindly remove this off of your credit report.

         to come.

      • Alphamatters123

        12/02/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 12/02/2010: this debt they are trying to collect on is over 10 years old and Mr willis is aware (I have a letter from him) I have had to file suit against him to get this off my credit report. His company refuses certified letters, I have the the refused certified letters. No one will answer the door at the location. I want this removed from my credit immediately.
        Business response: With all due respect Mr. Pellerin, this account is not 10 years old. This account was opened in April 23, 2001 and became delinquent in June 22, 2005 and Providian Bank Charged it off in April 22, 2006. This account was sold twice and we are the 3rd agency that purchased this debt. I am not aware of any refusal of any certified letters. I do know that I have a company policy that if I am not in the office, my employees are not allowed to sign for anything, this may be the case. As for not answer the door, we have a lot of transients, sales people, people that sell cookies that knock on our door all day. We also keep our door locked for security purposes. but we always answer the door. I have contacted you back in October of this year and realized that you told me that you had filed a lawsuit against me, i told you i was not aware of any lawsuit and I was never served either. I told him to make this go away, I am willing to delete this off of your credit report if you drop the law suit, you asked me to send you this in writing and I did. 2 hours later, I receive a call from your attorney asking me for money and you will not drop the law suit. obviously, you are suing my company for no good reason, we have done nothing wrong. We have the right by law to report this account from the date of
        09/10/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 09/10/2010: The company uses misleading and unethical practices to collect on debts, including harassing calls, disclosing information to third parties, and using profanity and threats to obtain payment of the proposed debt. I do not owe the debt in question and the company fails to provide proof of the debt owned. I have sent several letters asking for validations and NOT to contact me. I never received response and still receive calls at work and on my cell.
        Business response: The last time we had any communication from you was on January 25, 2010 and you gave me $400 on your debit visa card that ends with 2018. After agreeing that you owe this money, after we provided you with proof that you opened this account up, you are still disputing this. We verified this with your bank (US Bank ) that the funds were deposited into your account and the email address used at the time was angeltini05@yahoo.com, and I believe you are using the same email, but not it has changed to angeltini1213@yahoo.com. We never harassed anybody, we never did a 3rd party disclosure, if that was the case, why did it take you 8 months to file a complaint?? This entire complaint does not make any sense. We are not taking this off of your credit report, unless you pay this debt that has been verified and proven to you that you owe this money. We have provided you with a validation and other agencies that purchased this account have done the same.
        Consumer rebuttal: There was NEVER any proof that was given to me of any debt. I was harassed and bullied into giving you guys money. The 400.00 that I gave you was then retracted from my bank after filing a complaint the very next day. I still to this day have NO idea what this debt is for. I have sent SEVERAL letters asking for validation and have heard no response from anyone. I still receive phone calls on my cell phone and at work after asking not to be contact but only in writing. Again there has been NO VALIDATION given to me at this time
        Final business response: What you are saying is not true. We have sent you information and we have stopped calling you… I am not sure where you are going with this, but you admitted that you owe this money, you are just stock on the proof of validation that is all over the internet. keep something in mind, we are not the only ones that you owe money to. we sent you what you requested, but that was not good enough. this will remain on your credit report for years

        12/02/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 12/02/2010: this debt they are trying to collect on is over 10 years old and Mr willis is aware (I have a letter from him) I have had to file suit against him to get this off my credit report. His company refuses certified letters, I have the the refused certified letters. No one will answer the door at the location. I want this removed from my credit immediately.
        Business response: With all due respect Mr. Pellerin, this account is not 10 years old. This account was opened in April 23, 2001 and became delinquent in June 22, 2005 and Providian Bank Charged it off in April 22, 2006. This account was sold twice and we are the 3rd agency that purchased this debt. I am not aware of any refusal of any certified letters. I do know that I have a company policy that if I am not in the office, my employees are not allowed to sign for anything, this may be the case. As for not answer the door, we have a lot of transients, sales people, people that sell cookies that knock on our door all day. We also keep our door locked for security purposes. but we always answer the door. I have contacted you back in October of this year and realized that you told me that you had filed a lawsuit against me, i told you i was not aware of any lawsuit and I was never served either. I told him to make this go away, I am willing to delete this off of your credit report if you drop the law suit, you asked me to send you this in writing and I did. 2 hours later, I receive a call from your attorney asking me for money and you will not drop the law suit. obviously, you are suing my company for no good reason, we have done nothing wrong. We have the right by law to report this account from the date of delinquency of up to 7 years. Just to make this go away, I am willing to delete this off of your credit report within 10 business days, if you provide me a letter stating that you will drop the law suit that you claim you filed.
        Consumer rebuttal: Again you lie. i did not contact you in October you contacted me because of the lawsuit that was filed. after the call I called my attorney and he said you should never have called me. you Know this account is over 10 years old. I explained to you that I was mugged in 2001 and that I was in the hospital for a long time so, I know exactly when the payments started on this account. You know your company buys old bad debt and it would be best to remove it before the suit goes to court and by the way the court case is 2:10-cv-01319-mea so here is more proof that your avoiding service and that you are aware of the case. Kind regards,Ken
        Final business response: Mr. Pellerin, I have no reason to lie about this at all. this debt is no where near 10 year old. My company does not even buy these kind of accounts. I am sorry you feel this way, but if you feel that this is not your account, please send me a police report or an affidavit of fraud and I will kindly remove this off of your credit report.

        09/10/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 09/10/2010: The company uses misleading and unethical practices to collect on debts, including harassing calls, disclosing information to third parties, and using profanity and threats to obtain payment of the proposed debt. I do not owe the debt in question and the company fails to provide proof of the debt owned. I have sent several letters asking for validations and NOT to contact me. I never received response and still receive calls at work and on my cell.
        Business response: The last time we had any communication from you was on January 25, 2010 and you gave me $400 on your debit visa card that ends with 2018. After agreeing that you owe this money, after we provided you with proof that you opened this account up, you are still disputing this. We verified this with your bank (US Bank ) that the funds were deposited into your account and the email address used at the time was angeltini05@yahoo.com, and I believe you are using the same email, but not it has changed to angeltini1213@yahoo.com. We never harassed anybody, we never did a 3rd party disclosure, if that was the case, why did it take you 8 months to file a complaint?? This entire complaint does not make any sense. We are not taking this off of your credit report, unless you pay this debt that has been verified and proven to you that you owe this money. We have provided you with a validation and other agencies that purchased this account have done the same.
        Consumer rebuttal: There was NEVER any proof that was given to me of any debt. I was harassed and bullied into giving you guys money. The 400.00 that I gave you was then retracted from my bank after filing a complaint the very next day. I still to this day have NO idea what this debt is for. I have sent SEVERAL letters asking for validation and have heard no response from anyone. I still receive phone calls on my cell phone and at work after asking not to be contact but only in writing. Again there has been NO VALIDATION given to me at this time
        Final business response: What you are saying is not true. We have sent you information and we have stopped calling you… I am not sure where you are going with this, but you admitted that you owe this money, you are just stock on the proof of validation that is all over the internet. keep something in mind, we are not the only ones that you owe money to. we sent you what you requested, but that was not good enough. this will remain on your credit report for years to come.

        08/25/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 08/25/2010: Consumer states, She had a previous debt in 2002 that was removed from her credit report in June 2010. On August 20th she was contacted by a Joe Willis from JD Financial Services in regard to this debt, she called him back to notify him that the debt was no longer legitimate. She was immediately treated rudely and told that they were going to persue the collection of the debt. Since the intial call he has now proceeded to contact family members asking personal questions, and has spoken in a threatening and harrassing manner. Her credit reporting agency is currently working on this dispute, and she is requesting that this company cease any further contact with her or any 3rd party relatives.
        Business response: All we did is leave a message with a relative and you called us back. When debts are sold 2 to 3 times within a 3 to 4 years, the companies that buy them, report them on your credit, but then they sell them, they are required by law to remove the owed debt off of your credit. Last I checked, we can report up to the 7 years of last payment. We purchased your debt that you said to me you are willing to pay, but did not want to pay the interest.
        Consumer rebuttal: I never agreed to pay this and it has been over 7 years of last payment. This has been on my report for 7 years already, once the credit report agency sees that they will remove it. And you were calling family members harassing and asking personal questions when you had no reason to contact them because I gave you my number personally. If the credit report agency decides to keep it on my report that’s fine, but I don’t ever want you guys to contact me and especially my family members by phone again. If it doesn’t stop I will be forced to take further action.
        Final business response: Like I said before, nobody harassed your family.. All we did is leave a message and you called us back. If you don’t want anymore phone calls, no problem. But this will remain on your credit report. Have a great day. Joe Willis – President

        08/04/2010
        Billing/Collection Issues View Details
        Additional Notes
        Complaint: 08/04/2010: I was called and threatened with legal action if I didn’t make a $800 payment for a AT&T bill. I was told that I made payments on this account fromn2002-2006. That is a lie. I didn’t even have an AT&T account in 2006. I made a payment then I did some research and found out that this company uses the same tactics on different people. They have refused to validate my debt. They reported this to the credit bureau the day I made a payment (it wasn’t even there before).. It is showing that no payment has been made.
        Business response:

      • Karma

        Alphamatters123
        Contact BBB, demand explanation.  Likely they refied their house again and paid someone off to clear their file.  And to all, there is no Joe Willis, Pres, there is only Joe Dassa, Pres & owner with wife.  They work out of their home.
        EVERYONE, you NEED to read FDCPA (fair debt collection act & californians read Rosehtnal FDCPA) and haul their greedy illegal collection activities into court. Hit them under FDCPA and Fair Credit Reporting Act for any repts to your credit or for pulling your credit, that is a NO NO.  They are 3rd party Deb Collectors (DC) as such have no rights to collect from you as you have NO CONTRACT with them and can beat them in court just on that.  Add in failure to validate, unlawful credit pulls & invalid credit reporting, misrepresentation of debt, + afew others likely.  Begin filing, drain their bank acct and sink their company
        Get court judgements, those do NOT get ERASED..

        ANYONE wanting assit to do this, post an email addy and I SHALL contact you. Only toooooo happy to help.

        Karma.  

      • Karma

        Troubled
        tell me how and where I can get in touch with you and I shall. Direct email addy will work and we can go off post.
        Karma. 

  • Someguy

    I so wish that I had my telephone mic hooked up to dub when this piece of ish contacted me.
    Could have recorded everything this ishbag said to me and how he threatened me.

    The debt he stated was not even legit.  I contacted the company that he (Joe) stated the debt originated from and not only did they state it was not valid, they also stated they have never heard of his company and would never do business with a company who called people threatening a law suit.  They also went on to state that they had never heard of a debt collection company doing such a thing, as it is illegal.  By the way, they also stated that since this debt was from over 10 years ago that it was not even in their records AND that the account was shown as closed and PAID OFF.

      Is this guy purchasing our personal info online?

    All of this information has been reported to those listed above.  Thanks, Yourworstenemy.  I appreciate you for posting the proper way of reporting this bottom feeding, pseudo-salesman.

    Remember karma.

    • Joe Dassa

      JD Enterprises and Financial Services, Inc has LOST BBB accreditation!!!  The BBB has revoked JD’s accreditation and no longer can Joe Willis, AKA, Joseph Dassa mislead alleged debtors by standing behind his fraudulent accreditation.

      This is just the start.  Soon the government will come down on Joseph Dassa.

      Enjoy!

      http://www.la.bbb.org/business-reviews/Collection-Agencies/JD-Enterprise-and-Financial-Services-in-Whittier-CA-100050808

    • Joe Dassa

      JD Enterprises and Financial Services, Inc has LOST BBB accreditation!!!  The BBB has revoked JD’s accreditation and no longer can Joe Willis, AKA, Joseph Dassa mislead alleged debtors by standing behind his fraudulent accreditation.

      This is just the start.  Soon the government will come down on Joseph Dassa.

      Enjoy!

      http://www.la.bbb.org/business-reviews/Collection-Agencies/JD-Enterprise-and-Financial-Services-in-Whittier-CA-100050808

      • Ernest Trosman

        Email from Joseph Dassa.  Owner and criminal of JD Enterprises

        ———- Forwarded message ———-From: Ernest Trosman Date: Mon, Nov 7, 2011 at 7:29 PMSubject: Re: VIOLATION OF MY RIGHTSTo: JD Enterprise Cc: emahn@countslawfirm.com…….. IT MEANS THAT YOU ARE BEING INVESTIGATED FOR FRAUD, EXTORTION AND THOUSANDS OF VIOLATIONS OF FEDERAL AND STATE LAW. You can continue to try and talk yourself into believing that you have been injured, or threatened, or harassed, or whatever concoction you wish. The facts are the facts… YOU ARE A CRIMINAL, AND YOUR CRIMINAL ENTERPRISE (JD Enterprises) AND ILL GOTTEN GAINS ARE OVER. I am working on securing class action attorneys to represent the thousands of people you defrauded in your extortion ring! It will take a while, but when done, enjoy the endless lawsuits. Asshole, very soon, you will NOT be able to utilize Experian reporting and will be barred from all three of the credit reporting agencies!!! Hahahahahaha! Try fraudulent collecting and extortion then with no access to credit repoirts, assface. J I will NOT relent until justice is served and you are exposed for a fraud and a criminal that uses extortion and threatens people to pay monies NOT owed. DO YOU UNDERSTAND? Have you ever heard of CLCX ? Computer Learning Centers, Inc? They tried to defraud me too, back in 1999. CLCX was worth 600 million dollars when they defrauded me. Two years later, they went bankrupt after being sued by 11 state attorney general, the department of education and by class action law suits. It took two years, hundreds of hours of my direct work and then CLCX was gone from the face of the earth. No more company, no more stock, no stock value for execs to plunder…. dismantled by the government. GONE!!! Two of their attorneys were disbarred by my interventions and because of their attempts to “scare” me by filing false police reports and false arrest. So, please tell your “ugly website” lawyer, to bring it on. Hope he/she has no skeletons in his/her closet and would enjoy review by the California Bar for fraud and collusion with a RICO entity. Maybe your lawyer is in cahoots with you already and has a lot to account for? Hmmmmmmmmm? Thanks for the tip. Bring it! Ha! You and your shit ass little extortion ring are a joke, and your lawyer is a joke. PLEASE, PLEASE PLEASE call the Police and file false charges against me. Please!!!! I beg you!!!! I pray to God that you and your lawyer’s ego get in the way and you attempt to play the legal game with me. My counsel eats punks like you and your lawyers as a snack. Joe, not only am I putting all of your home addresses on the Internet, I will soon be putting a video of you, a video of your face! and pictures of you online. Your anonymity, false moniker and fraud are over!!!!! Your extortion is over, punk. Quick, run to the Police, file a false report and let’s get the ball rolling on the dismantling of your extortion ring!!!! Yeah!!! On Mon, Nov 7, 2011 at 7:06 PM, Ernest Trosman wrote:Dear Dildo, You are a moron, a liar, a criminal, a scumbag and you have the grammar and writing abilities of a Lebanese cab driver. LOL. :) The sad truth is that I will NOT relent until your compnay is FULLY held to account for your actions and to account for the countless people you have DEFRAUDED! DO YOU UNDERSTAND WHAT THAT MEANS?
        On Mon, Nov 7, 2011 at 5:57 PM, JD Enterprise wrote:
        ERNETS, You can do whatever you want to do. I have rights myself and you violated my rights. This has nothing to do with Joe Dassa, but only JD Enterprise. Your bullshit email to scare me worked, and me and my family are afraid of what you sent to us. This claim is with JD Enterprise and has nothing to do With Joe Dassa. You sent a frivolous email, with a CC to the BBB legal department and some S. Stewart, they don’t even exist at all. My company is still with the BBB, they just Have not received my check. By admitting that you goggled my name and sending it with an anonymous email, is the first offense, (thanks for that). You are implying (Nice house Joe Dassa) is like“I know where you live type of act” I do not take this lightly and I am going to file a police report and restraining order against you for violating my rights. You can say whatever you want To say. I DON’T CARE!!!!!!!!!!!!!… Nobody called your stepfather, you are a liar!!!!!!!!!!! I am blocking your email from now on, that way, when you send me another email, it will be automatically deleted. DO WHATEVER YOU NEED TO DO, BUT DO NOT BRING MY PERSONAL LIFE INTO THIS EVERY AGAIN. CALL THE PRESIDENT IF YOU WISH, I DON’T CARE. I RUN A RESPECTFUL AGENCY, I HAVE NOTHING TO HIDE. Joe Willis – President JD Enterprise and Financial Services15935 Whittier Blvd. Suite – AWhittier, California 90603(877) 495-(DEBT) 3328(562) 947-2518 FaxEmail: joe@jdefs.comWebsite: http://www.jdefs.com From: Ernest Trosman [mailto:ernest.trosman@gmail.com] Sent: Monday, November 07, 2011 12:19 PMTo: JD EnterpriseCc: emahn@countslawfirm.comSubject: Re: BBB Mr. Joseph Dassa, Googling your name and then clicking on the Google maps link that came up with the results is NOT a threat. I have not at ANY time threatened you or anyone. This email to you is a clarificationof your perception and comprehension abilities that at NO time have I or any of my assigns ever threatened you or anyone. This is NOT how we operate. I can see how YOU feel this way, but only you are to blame for this as it is YOUR company and YOU that THREATENS people. Please keep that in mind, senor. If you were at any time threatened by someone, I suggest you immediately contact all relevant Law Enforcement entities and file complaints to ensure who ever threatened you is properly dealt with. I personally do NOT stand for any illegal activity. May I remind you that at this time, I am a victim of you and your company’s extortion, fraud and illegal collection activity. Presently, you and your company are under investigation for extortion and fraud byfederal and state entities.At this very moment, I am STILL a victim of your direct fraudulent acitivity. My credit score is lowered by JD Enterprises and Financial Services, Inc. refusal to remove the three (3) illegal,and unsolicted hard inquiries on my credit report which you personally placed and personally refuse to remove as an EXTORTION measure to hurt my credit score and attempt to extort monies from me. May I remind you that it was YOU that called my stepfather and threatened him that if he did not pay on your alleged, unverified, documentless account… that a Police officer was enrouteto my home to ARREST me. YOU sir are guilty of impersonating law enforcement! Furthermore, before hanging up the phone, YOU threatened my stepfather that a tax lien is now being placed on his home for failure to yield to JD Enterprisesand Financial Services, Inc. interstate extortion ring. I will be forwarding this email to ALL of the investigators presently investigating YOU. Also, if you do contact law enforcement, please give them my phone number, 202-459-3231and I will gladly discuss with them everything that is going on and fully update them to the situation. You however, do NOT have permission to call me, nor does your attorney or any associates. On Mon, Nov 7, 2011 at 2:45 PM, JD Enterprise wrote:
        Ernest Trosman, You can do whatever you like, I am putting you on notice, do not contact me anymore, do not write me anymore, or I will go to the police and file harassing chargesAgainst you. By you looking my house up, where my 2 older sons live, is harassment and a threat. This email is being sent to my attorney as well. Joe Willis – President JD Enterprise and Financial Services15935 Whittier Blvd. Suite – AWhittier, California 90603(877) 495-(DEBT) 3328(562) 947-2518 FaxEmail: joe@jdefs.comWebsite: http://www.jdefs.com From: Ernest Trosman [mailto:ernest.trosman@gmail.com]
        Sent: Friday, November 04, 2011 11:33 AM
        To: Joe@jdefs.com
        Subject: BBB Looks like you lost your BBB accreditation. What a pity. As I promised you before, I will NOT relent in my pursuit of justice, ensuring that EVERY relevant local, state and federal entity is aware of your “company’s” actions. Next will be the national airing of an investigative report on you, your company and finances. THERE ARE STILL 3 (THREE) INQUIRIES ON MY CREDIT REPORT FROM JD ENTERPRISES AND FINANCIAL SERVICES. Have a wonderful day. Your friend, Ernest Trosman
        http://maps.google.com/maps?q=16202+Marlinton+Drive,+Whittier,+CA&hl=en&ll=33.925076,-117.984581&spn=0.000018,0.01119&sll=33.925608,-117.985230&layer=c&cbp=13,199.61,,0,1.81&cbll=33.92588,-117.985177&hnear=16202+Marlinton+Dr,+Whittier,+California+90604&t=m&z=17&vpsrc=0&panoid=uhKk0gkQ79rlX_fO0ATg7g

        A link above to Joseph Dassa’s house!

      • Ernest Trosman

        emahn@countslawfirm.com
         
        Email address to JD Enterprises and Financial Services, Inc’s, high powered, feared and reveared attorney.

        16202 Marlinton
        Dr

        Whittier,
        CA 90604
         
        JOseph Dassa’s home address.  Since he purposely, and maliciously refuses mail and cliams to never receive debt verification requests, you can reach Joe Dassa at the address above in Whittier, CA.

        Thank you. 

      • Brihaff

        Ernest

             I had a call from them tonight saying my wife owed on a payday loan and had their guy call and say he would give me 15 min to call them and stop from getting papers .  There is no debt validation for what they are trying to collect and are damaging credit reports to try and get money.  What credit collection pulls a credit report and start saying looks like your wife has problems and judgements and giving us an email address that we never had set up.  For doing damage to a credit report without the validation im onboard for and lawsuit against people like this.  please write me anytime there is another site of people having the same thing done lets get them all on to go get they people.

        i would like your email to contact you direct  .  its time for these things to stop.

        Brian

  • Yourworstenemy

    The FBI, Justcie Department, CFPB, CA Att Gen, and MD ATT Gen are ALL now investigating JD Enterprises.  The fun is over JD.  You went too far with the wrong dog.  If you have been vicitimized in any capacity by them, contact all of the agencies listed abouve by hard copy mail and let your official complaint be known.  The government is always slow to act, but when they do… Watchout!

  • 1%’er

    Mr. Joseph Dassa has just met his worst nightmare.. A real 1%’er!  Watch my next step Mr. Dassa!

    • Joe

      If you receive a collection notice from JDEFS and you do not know what this collection account is for, or if you paid and closed this account, or if you believe the amount is incorrect or if there is ANY uncertainty on your part regarding the validity, amount or anything fishy with this collection account, immediately mail them by certified mail, return receipt a debt validation request. Conduct a Google search and look for FDCPA debt validation letter templates.

      Research your rights under FDCPA and FCRA so that you will be fully informed of the laws, legal obligations of collection agencies and your rights. Fill out the debt validation template to match your situation and mail it off within 30 days, preferably within a day or two of receiving a collection notice from JDEFS, mail them the aforementioned debt validation letter and keep a photo copy for your records. Have a Notary witness you placing the pages in the envelope and under seal as this step is required with JD as they claim to receive “empty” letters with nothing inside of them. JDEFS will most likely refuse delivery of your letter. JDEFS will most likely refuse delivery and or claim your letter was empty because they are NOT in possession of ANY legally required debt validation and therefore they cannot by LAW, post the alleged account on your credit report or pursue collection efforts on an invalidated account.

       If you receive/d a phone call from JDEFS, note the day, time, name of caller and phone number. DO NOT discuss anything account related with the caller. Do not fall victim to high pressure tactics over the phone and make any payment or promise of payment until the debt is validated by FDCPA. Keep detailed notes as to what is said by JDEFS. Immediately inform the caller to cease and desist in ever calling you or contacting anyone else regarding the alleged debt. Give your current address to the caller and demand any further contact will only be done by postal mail. If you are threatened, coerced or informed that a Police officer, officer of the court, process server is en route or that anything like a tax lien, garnishment or law suit is imminent… These tactics are illegal and are methods of extortion, which JDEFS is well known for doing and engaging in such behavior. If you feel threatened, contact the Police dept and file a Police report.

      If you are threatened that a Police officer, officer of the court, process server is en route and that to cancel this you must pay NOW over the phone or that anything like a tax lien, garnishment or contacting your employer or law suit is imminent, document this information. Contact the Federal Trade Commission via their website and file an official online complaint and list in details of any offenses by JDEFS. Next, contact your states’s Attorney General’s Office and file an official complaint. Contact the Consumer Financial Protection Bureau and file an official complaint. JDEFS is based in California, contact the CA Attorney General’s office and file a complaint. Contact the Senator and Congressional representative in your area and ask them also for their assistance if JDEFS violates the law. You would be surprised to learn that elected officials and their staff can and will help you in matters like these. If you feel you are a victim of extortion by JDEFS, immediately contact your local Police department, and also contact the Los Angeles field office of the FBI. Extortion is illegal and is considered a RICO offense and the FBI needs to be informed.

      If you have never been contacted by JDEFS and find unsolicited inquires and or a collection account on your credit report, contact the credit agency and file an official dispute of the inquires and collection account. The account will be removed because JDEFS will not violate their agreements with Experian by verifying an out of SOL, document/verification lacking account and therefore the account will be removed. Conduct an internet search for lawyers that specialize in FDCPA and FCRA cases and seek out a legal remedy if you feel violated. Lastly, contact the BBB via their website and file an online complaint against JDEFS. The BBB is mandated by their own rules to investigate your complaint and receive the businesses response and attention to your issue. DO NOT ever communicate with JDEFS by phone under ANY circumstances except for time they call you. Give them your address and inform JDEFS that only postal mail communication is allowed. Do not give up, keep detailed records, and maintain contact with all agencies you complained to. Do not relent until justice is served. Reminder, if you are aware of the debt and the amount is accurate, and or JDEFS properly per FDCPA fully validates the debt, then you should pay the debt. Go online and find out what FULL FDCPA means and make sure JDEFS fully validates the debt if you are unfamiliar or if anything about the debt is uncertain to you. Contact nationally syndicated investigative reporters and shows like Dateline NBC, 20/20, etc… Inform them if you feel illegal tactics were used and ask for them to visit BBB’s website, read the complaints and ask for their help.
      There will soon be an official website online to be a repository for complaints against this company. This website will inform the public of the issues with JDEFS, inform the public of their rights in collection matters and provide a portal for direct contact between the public and the relevant federal, state and law enforcement agencies that are required to assist you.

  • JpwarSue

    This “company” seems like it is treading the line if legality. They are definitely unethical and they have to be breaking some laws. I would hire a lawyer out of principle and sue these guys for their debt collection practices.

  • JD Enterprises is a FRAUD!

    This company is a fraud. They called me saying that they were a law firm and that they bought my collection account from AT&T. I called AT&T and they confirmed that I don’t owe them any money and that all my debts were paid. I even called the collection agency and they confirmed that I paid my debts.

    Mr. Ross and his supposed “process server” kept calling my cell phone and my work phone. I even offered to meet with the process server so that they could serve me the court papers. Their response was that they can’t do that and that I would just get served at work and that if I wasn’t there that they would sub-serve my boss.

    Finally, once I realized that a process server was never going to show up because they were just using scare tactics, I talked to Mr. Ross and told him to never call me again and that if he did, I was going to call the cops. Since then I have not received one call from them or received any court papers.

    Just to be on the safe side, I signed up for a credit watch company so that I can pull all 3 of my reports every month and sure enough my report contained the collection information from JD Enterprises. I disputed the transaction and received confirmation that the collection information would be taken off my report. Once the information was taken off my report, the following month there was another one on my report with a different account number and different amount. I will have to dispute that transaction and will apparently also have to file a complaint regarding the illegal activites of the “so-called” company.

  • JD Enterprises is a FRAUD!

    This company is a fraud. They called me saying that they were a law firm and that they bought my collection account from AT&T. I called AT&T and they confirmed that I don’t owe them any money and that all my debts were paid. I even called the collection agency and they confirmed that I paid my debts.

    Mr. Ross and his supposed “process server” kept calling my cell phone and my work phone. I even offered to meet with the process server so that they could serve me the court papers. Their response was that they can’t do that and that I would just get served at work and that if I wasn’t there that they would sub-serve my boss.

    Finally, once I realized that a process server was never going to show up because they were just using scare tactics, I talked to Mr. Ross and told him to never call me again and that if he did, I was going to call the cops. Since then I have not received one call from them or received any court papers.

    Just to be on the safe side, I signed up for a credit watch company so that I can pull all 3 of my reports every month and sure enough my report contained the collection information from JD Enterprises. I disputed the transaction and received confirmation that the collection information would be taken off my report. Once the information was taken off my report, the following month there was another one on my report with a different account number and different amount. I will have to dispute that transaction and will apparently also have to file a complaint regarding the illegal activites of the “so-called” company.

    • JpwarSue

      This “company” seems like it is treading the line if legality. They are definitely unethical and they have to be breaking some laws. I would hire a lawyer out of principle and sue these guys for their debt collection practices.

  • S.D.

    You buy debt that has already passed the legal statute of limitations and try to harass people into paying, taking advantage of those who do not know their rights or the laws in their area. Your response to the individual above shows your arrogance and lack of professionalism. If you are demanding payment of debt, you are required to provide a debt validation letter if requested, however, your “agency” refuses certified letters making it impossible to provide you with any type of request or documentation that a debt has been legally discharged.

    Basically, this is a group of guys that think they can get what they want through agressive behavior, threatening, and name-calling. Don’t let them push you around. If your debt has indeed passed the statute of limitations in your state, DO NOT sent them a cent. That will only make the debt valid again as by paying on it, you are acknowledging by sending them money. In my case, the debt was discharged in bankruptcy court over 10 years ago so it is not valid and the original creditor no longer exists!

    Just remember these guys are preying on the fact that most people don’t know their rights and don’t know how to handle their aggressive, inappropriate behavior. If they are harassing you, please learn your rights. If your rights are violated under the Fair Debit Collection Act, report them to the FTC and Better Business Bureau and consider filing a lawsuit since that seems to be the only language they understand.

  • NunyaBidness

    If you are having issues with this company, you should file complaints with the California Attorney General, The FTC and any other person that you can. If enough people start complaining, somoene will take notice.

    http://ag.ca.gov/contact/compl… <-Link for Attorney General of California

    https://www.ftccomplaintassist… <- FTC Complaint

    Also, try complaining to the Local Better Business Bureau.

  • NunyaBidness

    If you are having issues with this company, you should file complaints with the California Attorney General, The FTC and any other person that you can. If enough people start complaining, somoene will take notice.

    http://ag.ca.gov/contact/complaint_form.php?cmplt=CL <-Link for Attorney General of California

    https://www.ftccomplaintassistant.gov/ <- FTC Complaint

    Also, try complaining to the Local Better Business Bureau.

  • Tjs1653

    tried but kept getting kevin ross

  • President of JD Enterprise

    George, you are delusional and a liar. If you had half the brain, you will check out JD Enterprise and Financial services out and know they have a business license and a corporation thru the state of California, that is easy to find. 2nd, how do you know they run their email address and internet domain thru Australia???? again, if you really wanted to know, you can find that out yourself, its in California. you are making things up to look good to others. We are legit debt buyers and have proven this to the attorney general plenty of times. we have done nothing wrong. we are a a corporate collection agency buying debt and owning the rights to the debt. Your Frivolous abuse and lies are not getting you nowhere. You are also defrauding JD Enterprise and Financial Services by saying we have Po boxes and fraudulent phone numbers. Wrong again!! Your allegations about JD Enterprise are going to be dealt with ASAP. I know who you are and you will be hearing from us soon.

  • RJ

    Mrs. Sweger, why don’t you just call JD Enterprise and Speak to the president of the company.

  • Tjs1653

    Thank you so much for this info on JD Enterprise. I was just told me and a relative will be served with judgement papers for an old phone bill. The phone company had trouble finding it.
    They said they do not use this company. Kevin Ross whom I spoke with at JD Enterprise was very rude to me. I tol him I have filed a complaint with the Attorney Generals office, and he asked me if they were going to come to court with me. Something really needs to be done about this company. But again I thank you for the info on this company!
    Thank You
    Tami

  • Robin

    Not Really a scam! Ill tell you what they are doing. They are buying old out of statute of limitations debt for fractions of pennies on the dollar. Then matching them to accouts that recently applied for new mortgages and then nailing their credit reports! They know that the victims will be forced to pay through escrow. I call it EXTORTION!

  • George P.

    J D Enterprises is not a real company, just a phony scam. 
     
    -Do not believe any of their ‘lawsuit’ threats about past unpaid bills (cable, phone or utility)
    -They are not debt collectors
    -Do not give them any personal or financial details, including banking or credit card number.
    -Note whatever information you can, and report it to both the police and FBI’s cyber crime division.

    They are not only running several fraudulent interest sites and scams, 
    they are also engaging in criminal harassment by even contacting you.

    Some more information:
    Their address of 15935 Whittier Blvd. Suite A Whittier, California 90603 is phony as is their website of http://www.jdefs.com
    It is registered thru an Australian internet domain registry and linked to known fraudulent phone numbers and PO. Boxes.
    They also use fake multiple phone numbers, probably free Google Voice numbers to mimic the local area codes of intended victims.

    Joe (whatever last name he uses) of J D Enterprises, is not a real person but aliases for a Joseph Dassa, who really lives at 16202 Marlinton Dr., Whittier CA (in the area of the fake address) 
    http://maps.google.com/maps?f=q&source=s_q&hl=en&geocode=&q=16202+Marlinton+Dr.+Whittier+CA&sll=37.0625,-95.677068&sspn=61.19447,73.564453&ie=UTF8&hq=&hnear=16202+Marlinton+Dr,+Whittier,+Los+Angeles,+California+90604&z=17&iwloc=A&layer=c&cbll=33.925632,-117.985489&panoid=ok9oJJTlPEjgh8ZvalCF9Q&cbp=12,96.37,,0,5

    His myspace page is here http://www.myspace.com/joe_dassa 
    He appears to belong to another club here as well  – http://www.ipaddlesurf.com/profile/JosephDassa?xg_source=activity

    His home phone number is (562) 943-4812.  
    His wife (or perhaps just another alias) Geneva D Dassa (maiden name Irelan), 
    alias Geneva Martin appears to also be involved in scams concerning party supplies, furniture, etc.

    Hope this helps any of you who they might target!
    -George

    • Tjs1653

      Thank you so much for this info on JD Enterprise. I was just told me and a relative will be served with judgement papers for an old phone bill. The phone company had trouble finding it.
      They said they do not use this company. Kevin Ross whom I spoke with at JD Enterprise was very rude to me. I tol him I have filed a complaint with the Attorney Generals office, and he asked me if they were going to come to court with me. Something really needs to be done about this company. But again I thank you for the info on this company!
      Thank You
      Tami

      • RJ

        Mrs. Sweger, why don’t you just call JD Enterprise and Speak to the president of the company.

      • Tjs1653

        tried but kept getting kevin ross

    • President of JD Enterprise

      George, you are delusional and a liar. If you had half the brain, you will check out JD Enterprise and Financial services out and know they have a business license and a corporation thru the state of California, that is easy to find. 2nd, how do you know they run their email address and internet domain thru Australia???? again, if you really wanted to know, you can find that out yourself, its in California. you are making things up to look good to others. We are legit debt buyers and have proven this to the attorney general plenty of times. we have done nothing wrong. we are a a corporate collection agency buying debt and owning the rights to the debt. Your Frivolous abuse and lies are not getting you nowhere. You are also defrauding JD Enterprise and Financial Services by saying we have Po boxes and fraudulent phone numbers. Wrong again!! Your allegations about JD Enterprise are going to be dealt with ASAP. I know who you are and you will be hearing from us soon.

      • S.D.

        You buy debt that has already passed the legal statute of limitations and try to harass people into paying, taking advantage of those who do not know their rights or the laws in their area. Your response to the individual above shows your arrogance and lack of professionalism. If you are demanding payment of debt, you are required to provide a debt validation letter if requested, however, your “agency” refuses certified letters making it impossible to provide you with any type of request or documentation that a debt has been legally discharged.

        Basically, this is a group of guys that think they can get what they want through agressive behavior, threatening, and name-calling. Don’t let them push you around. If your debt has indeed passed the statute of limitations in your state, DO NOT sent them a cent. That will only make the debt valid again as by paying on it, you are acknowledging by sending them money. In my case, the debt was discharged in bankruptcy court over 10 years ago so it is not valid and the original creditor no longer exists!

        Just remember these guys are preying on the fact that most people don’t know their rights and don’t know how to handle their aggressive, inappropriate behavior. If they are harassing you, please learn your rights. If your rights are violated under the Fair Debit Collection Act, report them to the FTC and Better Business Bureau and consider filing a lawsuit since that seems to be the only language they understand.

  • Denise

    Hi Steve,

    I took your advice and sent a certified letter to JD Enterprises. First, however, I called them to get their address. When I told them I wanted to send them a letter, they asked, “what for?” I said I was requesting who and what this supposed debt was for. Their reply: “That will be futile, we will not accept the letter, we will return it unopened.” They would not give me their address! I found it online and sent the letter. Sure enough, they refused delivery and it was returned to me. And of course, I was threatened again with a lawsuit during that call. I have received no further calls, no correspondence, nothing since then. Now what?

    • http://GetOutOfDebt.org Steve Rhode

      Denise,

      Interesting. What that tells me is they are probably just trying to scare you. Since they refused to accept the letter to verify the debt I would contact the agency in your state that licenses debt collectors and file a compliant. If JD Enterprises is located in a different state I would file a complaint with the debt collection licensing department there as well. Next time JD Enterprises calls, tell them specifically what your doing since JD Enterprises refused to accept your letter for verification of the debt.

      Hold on to that letter you got back.

      At this point I think JD Enterprises is full of sh&t and just trying to scare you. If they did sue you at this point you have their refusal to verify the debt to toss in their face as to why you did not pay. The silly thing here is that they refused to accept the letter, refusing to accept it doe not make it go away.

      The next step would be for you to send them a cease and desist letter to not contact you but they’d refused to accept that as well presumably. So in this situation, find a local attorney and ask them to represent you in the matter. It won’t cost much and JD Enterprises will be required to contact your lawyer and not you once you inform them you are being represented in this matter.

      Please keep me posted on what happens next.

      Steve

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