When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

JC Christensen and Associates Inc


200 14th Ave E
Sartell, MN 56377-4500

Contact Them:

Fax: 320-534-7460

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you at a time or place known to be inconvenient to you.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:


  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.


If any of these things occur, your best option is to consult with a consumer protection attorney.


  1. Melody S. on July 16, 2015 at 10:09 pm

    JC Christensen and Associates Inc was looking at my credit report and they said I had enough money to pay them. JC Christensen and Associates Inc then said I should get a second job to pay them.

  2. dating a gay single mom on August 2, 2021 at 9:02 pm

    I like this website – its so usefull and helpfull.

  3. gay senior dating on October 31, 2021 at 8:22 pm

    You’ve got superb info in this article.

  4. reflective essay on writing on November 4, 2021 at 3:31 am

    Thanks! This a awesome webpage.

  5. i can t write essays on November 4, 2021 at 8:04 am

    Awesome Web-site, Maintain the fantastic work. Thank you so much!

  6. sex toys and games on November 15, 2021 at 2:35 pm

    I treasure the knowledge on your web site. Thanks a ton.

  7. sacred games sex scene on November 15, 2021 at 5:29 pm

    You’ve gotten possibly the best online websites.

  8. wife sex games on November 15, 2021 at 6:30 pm

    Thanks a ton for sharing your terrific site.

  9. dad and daughter sex games on November 15, 2021 at 8:53 pm

    Wow, beautiful site. Thnx …

  10. how to follow a keto diet on November 16, 2021 at 4:25 pm

    Thank you! This is definitely an terrific internet site!

  11. air fryer recipes keto on November 16, 2021 at 7:01 pm

    say thanks to so considerably for your internet site it helps a lot.

  12. keto diet food list on November 17, 2021 at 12:10 am

    Wow, attractive website. Thnx …

  13. whole food keto recipes for any budget on November 17, 2021 at 7:13 am

    Thanks intended for delivering such very good articles.

Share Your Experience

For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

I agree to these terms.

Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.