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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?

    5. Julie R. on September 23, 2019 at 10:31 am

      I just received an email from Atty Geoffrey A Moore – Letter of Demand for an outstanding loan with Speedy Cash Advance, whom I have never had any dealings with. Says they are from Jefferson Associates & Law Firm. Wants monthly payments of $75 and the letter is signed Todd Jefferson. No phone number to call to contact.

    6. Patsy Hensley on September 24, 2019 at 6:36 am

      I got a letter by email on a best that I don’t even have for some cash advance thing . There was no phone number or anything to contact

    7. Linda on September 25, 2019 at 12:41 am

      I recieved the same email about a loan I don’t have said I can pay $ 75 x11 if I dont answer back in 12 hours actions will brought on me

    8. Nancy on September 25, 2019 at 11:45 am

      I just received an email Letter of Demand for an outstanding loan with Speedy Cash Advance, whom I have never had any dealings with. Says they are from Jefferson Associates & Law Firm. Wants monthly payments of $75 and the letter is signed Todd Jefferson. No phone number to call to contact. Any one else get this, is it a scam??????

    9. Cathy on October 4, 2019 at 2:54 pm

      I just received an email from Atty Alan Almada– Letter of Demand for an outstanding loan with Speedy Cash Advance, whom I have never had any dealings with. Says they are from Jefferson Associates & Law Firm. Wants monthly payments of $75 and the letter is signed Todd Jefferson. No phone number to call to contact.

    10. Betsy moore on October 8, 2019 at 5:55 pm

      I got the same email from Jefferson law firm and now thet are telling if I don’t pay what they want I am going to jail .I called speedy cash advance and they say I don’t owe the amount they want me to pay.

    11. Shauna on October 14, 2019 at 1:23 pm

      I just received a email saying i owe over $800 with speedy cash…that todd Jefferson is handling it.No phone number or email to reach anybody.

    12. Mandy Withers on November 4, 2019 at 10:56 am

      Wanting payment for a loan wanting payment by a prepaid Go bank card. Called the number provided and have gotten no answer just a voicemail. I am sure that this is a fraud.

    13. tom weaver on November 12, 2019 at 4:01 am

      received email from Jefferson and Associates telling me I have to settle in 12 hours or they will have me arrested, sue me , contact my employer. To my knowledge I have never done business with the company they claim to represent. No phone number listed , 2 different email contact addresses, 2 different settlement amounts listed for same period of time on a monthly payment set up, they want only paid by a debit card auto draw’ They say they have tried to contact me only by phone and previous email, I have never received either. Their phone information has never showed on my caller ID. All email addresses end in Looks like if this was a lagit collection they would have email address with there logo on it. Any collection activity I have ever had was by certified mail.

    14. Kortni on November 14, 2019 at 4:44 am

      I just received a call stating they have filed a civil suit aganist me, after being yelled at and threatened to make payments on a old bill from 2001 that is not even on my credit report anymore. I told the rude guy named Michael Walsh. I am in a financial rut after giving birth to a sick child last year and been in n out of the hosp since birth which has affected my income he said I was making excuses. Meanwhile I have current bills I am either behind on or struggling to pay in this current year..They have no remorse who wants to be in debt like REALLY?!

    15. Patricia on November 15, 2019 at 12:08 pm

      Just received an email from Jefferson Associates Law Firm saying I own Advance America (Speedy Cash) 1840.00, but if I pay today it will only be 950.00. signed by Mark Johnson, Recovery Dept, Jefferson Associates & Law firm. It says if I don’t pay it will be liable for all attorney fees & court costs, and my credit will be greatly affected.. I contacted Speedy Cash which is not even connected with Advance America and they said that I don’t owe them any money. They also told me that they have received many calls concerning the Jefferson Law Firm. This is definitely a scam. The law firm does have a phone number it is 1-818-925-7211, located in Los Angles California.

    16. Moana on November 20, 2019 at 5:38 pm

      Just got done being 3 wayed into a very, very rude call between my husband and an associate name Janice Goldman who stated she worked at the Jefferson Associates as a debt collector. My husband was suspicious about this call because we never received a letter form in the mail regarding this issue. We wanted to know why and when he owed the US bank. He had settled that account with them a few years ago. We fell into the trap years ago with falling into fraud situation and sending money to pay off bills so now he involves me with anything that doesn’t seem right. She was basically was yelling at my husband saying that she has gone over this with him on the first call conversation, but then shouldn’t we have gotten a letter in between that time ma’am? Then she says he checks will be garnished and we’ll go to court for this case, that we can settle it with a judge. All we wanted to know was the detail of we are now getting a bill of over $7000+ and she was trying to work out a plan where we send in $250 right now? Can we please see this bill that just appeared out of nowhere with some dates of when it was from? She got very angry when I said can you please calm down and inform us of how we got billed this and all she stated was she ain’t got time for this and will be sending it to court and congratulated us for a $7000+ bill. I just called the law firm number it is 1-818-925-7211, and they said there is no one with this name that works there. My God help us, people are struggling and stressed and these people with no heart keep taking and taking!

    17. Shannon on December 4, 2019 at 10:42 pm

      I just received the Speedy Cash scam email. I’ve never had a pay payday loan and never even cashed a check with Speedy Cash. Let these assholes contact me again and damn right well be in court, only I’ll be the taking them

    18. Megan A on December 24, 2019 at 2:00 pm

      Attempted to send a dispute letter certified to the address of the office that the receptionist provided. The building is secure and post office worker cannot access the building to deliver the letter. After speaking with a collector in their office I was given their corporate mailbox. Another certified letter was mailed to the address provided and when checking the status with the post office, the letter was refused and sent back to me. This can’t be ok?!?

    19. Ruth on January 22, 2020 at 4:08 pm

      Jefferson and Associates called me from a private number harassing me for a civil complaint I do not have.

    20. Henry on January 30, 2020 at 10:44 am

      Just received a n email, from a Sharon Robinson, indication that a collection process will be forward to the courts if I did not pay $1,840.00 within a 4 hour period and to contact a Mr. Mark Johnson at the Recovery Department. There was no phone number, Sound like a fraud notice. Just like Patricia on November 15, 2019 at 12:08 pm posted above. same dollar amount, they could at least used a different dollar amount, not to bright for being an attorney?

    21. SHANNON MORGAN on February 5, 2020 at 11:07 am

      I just received the same email from Jefferson Associates & Law Firm stating a debt of $1840 accepted in 10 payments. To email them for settlement. No phone number, just a link for email. It is also signed by Mark Johnson.

    22. RICHARD L. MILLER on August 25, 2020 at 9:21 pm

      I just received an email below :


      Account Balance: $1260.00
      Docket File : CRF18/5647/BS-10-2019
      Creditor : Ca$h Advance Inc. (Unpaid Loan)
      Payment Plan : $30.00 (Every Two Weeks)
      Payment Mode : Online


      You have been handed over to Jefferson Associates & Law Firm for legal proceedings regarding your unpaid $1840.00 of the outstanding loan.
      How can you be so irresponsible for your bills, you left no choice for us now, you have last 2 hours to submit your balance in full or in payments.

      If we do not receive any response from your side by today, then this case file will be downloaded automatically against your name and social. After that, we are unable to help you in this case.

      We regret that if we do not receive your response, we shall have no alternative, but to take action through your local County Court to recover the amount due together with court charges and legal fees which might cost you approximately $4796.00

      Note: Do update us with your intention that still you want to resolve this case or you want to dispute.
      Email us on

      Settlement Amount: $1260.00
      Payment Plan: $30.00 (Twice A Month)
      Payment Mode: Online
      Click here to send us email for Settlement
      Call Us Now

      Attorney Ed Cooper (Recovery Department)
      Account Settlement | FDCPA | Elite Recovery Services © 2020
      CONFIDENTIAL: ATTORNEY-CLIENT PRIVILEGED; ATTORNEY WORK PRODUCT: Emails and attachments received from us may be protected by the attorney-client privilege, as attorney work-product or based on other privileges or provisions of law. If you are not an intended recipient of this email, do not read, copy, use, forward or disclose the email or any of its attachments to others. Instead, immediately notify the sender by replying to this email and then delete it from your system. We strictly prohibit any unauthorized disclosure, copying, distribution or use of emails or attachments sent by us.

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