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

Get a Free Case Review

JTM Capital Management LLC


6400 Sheridan Drive
Suite 138
Williamsville, NY 14221

Contact Them:

(866) 651-7663

premium wordpress themes

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 Comment

    1. Charlotte P. on February 17, 2017 at 11:11 am

      This company called me in my office. I was with someone and could not talk. Upon answering the phone, they said, “Charlotte?”, I said “Yes”. He goes on to tell me that he was a mediator and represented Check and Go and asked me if I could give him my attorney’s name that represents me or that I would like to mediate on my behalf. He told me an I owed an excess of 1000$, which I do not. I asked him to hold in order to finalized my conversation with the person at work and get some privacy and he hung up. I tried to dial the number back ZFN Associates answered and transferred me back to him (???). I was confused. He said he represented JTM Capital and I was calling in to ZTN Financial Services. He was rude again and this time he actually hung up on me. I called back. The original operator answered and said she didn’t know why he was so rude but that she would get authorization to handle my debt. I paid it and they reduced what was owed from 575 to $430.???? I feel relieved that the debt is paid, however I feel like no one should get away with calling people and threatening them. Then hanging up. But, I guess it worked because I was so disgusted and had such a bad experience with the man, until when the sweet young lady, who was so willing to help, took over, I wanted to do whatever I could to resolve it.

    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.