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Jefferson Associates


3 Coral St
Edison, NJ 08837-3242

Contact Them:

(732) 738-5440

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. Erika S. on March 23, 2015 at 9:02 pm

      Jefferson Associates sent me a letter with a statement at the top saying that my account was sent to them for collections. Jefferson Associates said the balance could be paid in monthly payments. I made all the monthly payments they requested. Yet Jefferson Associates still reports that I owe over $100.

    2. Olive P. on April 18, 2015 at 10:39 pm

      I received a message from Experian that a new account from Jefferson Associates had been opened in my name. I checked my credit report and it listed a debt for $733.00 from Jefferson Associates which I am unaware of.

    3. Hannah B. on May 8, 2015 at 9:39 pm

      Barclays Bank is original creditor. I owed them money. They sold the debt to Jefferson Associates. I was offered a settlement which I agreed to, and they debited my bank account. I assumed all was finished. Jefferson Associates has now retained a law firm to collect the unpaid balance. Can they do this?

    4. Yvonne on April 25, 2016 at 4:27 pm

      I have been contacted by email and phone stating that I maybe arrested in 3 hours if I do not pay at least 200 on a 896 debt. What should I do?

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    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.