Jacob Law Group / Jacob Collection Group
Reviews and Complaints

First of all, if you get Social Security, direct deposit they cannot garnish your "Direct Deposited" Social security check, SSI, Social Security Disability as long as it is "Direct deposited" into your bank account. If they get a judgment against you they have to notify you before that happens for a court date (Due process) hearing. IF you have any other monies that is not social security, SSI, railroad retirement, VA, etc. that is not direct deposited, well, they can garnish your bank account and get that. The law states the banks have to leave at least $2000 in your bank account for you to use, but the rest can be garnished to pay a creditor. That is according to the Consumer Financial Protection Bureau.

thank goodness that was resolved...

I know this is an ancient complaint long since resolved, but I have seen a lot of these types of complaints where someone is getting hounded by a debt collector and their only response is to not answer their calls. That is not the way to handle it. They just keep calling you, and eventually they will call your relatives and your employer, looking for you. Sometimes they will even call neighbors, looking for you. I've had that happen. What I do is call them back one time, or simply take the call, and record the call, telling them that I am recording the call, and ask them who they think they are calling and what are they calling about, and what is the name of their company, and have them spell it if I can't understand the name. I do not admit to owing any debt and I do not engage any further with them once I get the initial information. This way, I know who they are and what they are calling about, and whether they are after me, or the previous owner of my phone number. If they are after the previous owner of my phone number I do tell them they have the wrong person and to stop calling my number because I do not know that person and have no way of contacting him. But if they are after me, I hang up and then look up their contact information and then email them a dispute letter immediately. Later on, after I get their verification information about the alleged debt back, I follow up with a cease and desist communications email. All of my actual debts are far beyond the statute of limitations, so if they sue me, I will countersue them and get an consumer attorney to do it on contingency for their FDCPA violations.

On January 11th, of this year, I did not write what is above my name I think someone copied it to share with ya'll from another sight. I did write something. And MsDebtCollector, you people ain't suppose to calling me at all. You have two cease and desist letters. If you need to contact me you need to do it through the Wayne County Circuit Court system. I have proof of all the bad things that you guys have done, including anything here and it is allowable through Mississippi Civil Court Laws.

Here is the link http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

First of all people you may want to look up the FDCPA laws for your state. To the person who posted the initial 'complaint' we CAN NOT leave the reason of the call on a voice mail. We have to identify the person by name and address before we can release ANY information about why we are calling. If you are receiving calls from JLG then answer the phone because we may have the wrong number or you may be a victim of identity theft and just not know about it. You need to answer the phone and tell Ms. Ward that you are a victim of ID theft and she will take the necessary steps to help you. There is a thing called HARDSHIPS for people that CAN NOT pay there bills and 90% of the time if you can prove your situation we can help you BUT you have to answer the phone and tell us. And thank you payyourbill. Your exactly right.

First of all, if you are the person they ask for, they have to tell you via FDCPA rules. Then they have to send out a letter to you that they are a collection agency and you owe this bill worth this much and the original creditor's name. After receiving this you have 30 days to ask them to validate the claim. Most of the people they have contacted are still waiitng for their validations that are more than 2 years late. Okay, now you can in writing send a certified Cease and Desist letter to them telling them that the debt is not yours and to please leave you alone. By law, they are permitted to send one letter stating that they received the letter. They are not allowed to write you, call you or anyone else. But don't count on Jacob Law Group doing so. I still have my Cease and Desist Letter with the return certified mail receipt. Oh and they are not to harass you on social networks or social medias either,
Jacob Law Group may even say this other company owes the debt, but unless they all strictly prove the debt is yours by FDCPA rules they cannot collect.

To Payyourbill,
You probably don't even know what it is like to have no money and having to worry where your next meal is coming from. I use to work until I was injured on the job and now I also have MS. I have had to struggle all my life and I thought I would be working for many years to come, but things didn't work out that way. My bills were always paid when I worked. I even had a hard time then raising 2 kids and taking care of everything else. I have never asked for help from the government or anyone else like a lot of people who do that are now driving nice cars and have a roof over their head. I tried to explain to this company about working out some kind of payment plan, even though I can't afford it, but they didn't want it, because it wasn't enough. So, if you have a better ideal, please tell me. I tried, but they didn't. I can't even afford the medicine I need for my Ms and for my heart problems (I do have a pacemaker too). I just get so tired of people saying things like you did and not understanding what is like. I would give anything if I could get my old life back, but I can't, even thought my old life was hard too. Try living a month without having a paycheck coming in and trying to keep a roof over your head and food and Dr. bills and just the normal living expenses and then let me know how it feels. I hate being poor, but that is the life I have been stuck with all my life and all the bad health I have had.

Pay your bills and debt collectors won't call you, your relatives, or neighbors.. Also, check into the FDCPA regarding calling your relatives, neighbors, etc. It IS legal. If a debt collector calls you and it is a wrong number, simply tell them that and they will stop calling. It's not the debt collectors' faults that people give false information or change phone numbers often. Give people a break for doing their job.

THEY HAVE BEEN CALLING MY IN-LAWS, WHO ARE IN THEIR 90'S AND BOTH ARE SICK APPARENTLY TRYING TO GET IN TOUCH WITH ME. IF I WANTED TO TALK TO THEM, THEY COULD CONTACT ME BY MAIL. THE CALLS TO ANYONE ELSE BETTER STOP NOW OR THERE WILL BE HARASSMENT CHARGES BROUGHT AGAINST THEM. IF I WAS ABLE TO PAY ANYONE ANYTHING I WOULD HAVE A LONG TIME AGO, BUT I AM DISABLED AND HAVE NO INCOME COMING IN.

They are debt collectors, and scammy ones at that. Don't answer.

State of Connecticut Department of Banking
260 Constitution Plaza
Hartford, CT [protected]
Phone: [protected]

Tuesday, 8 March
State of Connecticut Department of Banking
* * * * * * * * * * * * * * * * * * * *
IN THE MATTER OF: JACOB COLLECTION GROUP, LLC ("Jacob Collection Group")
* * * * * * * * * * * * * * * * * * * *
SETTLEMENT AGREEMENT

WHEREAS, the Banking Commissioner (“Commissioner”) is charged with the administration of Part XII of Chapter 669, Sections 36a-800 to 36a-810, inclusive, of the Connecticut General Statutes, “Consumer Collection Agencies”, and the regulations promulgated thereunder (Sections 36a-809-6 to 36a-809-17, inclusive, of the Regulations of Connecticut State Agencies);

WHEREAS, Jacob Collection Group is a Mississippi limited liability company that was licensed as a consumer collection agency in Connecticut under Part XII of Chapter 669, Sections 36a-800 et seq., of the Connecticut General Statutes. Such license expired on October 1, 2009;

WHEREAS, the Commissioner, through the Consumer Credit Division of the Department of Banking, conducted an investigation of the activities of Jacob Collection Group, pursuant to the authority granted by Section 36a-17 of the Connecticut General Statutes, to determine if Jacob Collection Group had violated, was violating or was about to violate the provisions of the Connecticut General Statutes and regulations within the jurisdiction of the Commissioner;

WHEREAS, as a result of such investigation, the Commissioner alleges that Jacob Collection Group, during the period of January 29 through April 21, 2010, acted within this state as a consumer collection agency without a consumer collection agency license, in violation of Section 36a-801 of the 2010 Supplement to the General Statutes;

WHEREAS, the Commissioner believes that such allegation would support initiation of enforcement proceedings against Jacob Collection Group, including proceedings to issue a cease and desist order against Jacob Collection Group pursuant to Sections 36a-804(b) and 36a-52(a) of the Connecticut General Statutes, and impose a civil penalty of up to one hundred thousand dollars ($100, 000) per violation against Jacob Collection Group pursuant to Sections 36a-804(b) and 36a-50(a) of the Connecticut General Statutes;

WHEREAS, Section 4-177(c) of the Connecticut General Statutes and Section 36a-1-55(a) of the Regulations of Connecticut State Agencies provide that a contested case may be resolved by agreed settlement, unless precluded by law;

WHEREAS, both the Commissioner and Jacob Collection Group acknowledge the possible consequences of formal administrative proceedings;

WHEREAS, Jacob Collection Group voluntarily agrees to enter into this Settlement Agreement without admitting or denying the allegation set forth herein, and solely for the purpose of obviating the need for formal administrative proceedings concerning the allegation described above;

WHEREAS, Jacob Collection Group herein represents to the Commissioner that in June 2010, a filter was put into place so that all debtors with an address in the State of Connecticut would be rejected when placed by Jacob Collection Group’s debt buyer client. Also, all debtors with Connecticut addresses were closed in Jacob Collection Group’s system and returned to its client. However, Jacob Collection Group outsourced its letters to debtors and found that some account addresses were being changed by the vendor when the vendor performed a “USPS scrub” and, in return, some letters were being sent to Connecticut residents;

WHEREAS, on June 18, 2010, Jacob Collection Group filed an Application for Consumer Collection Agency License with the Commissioner, which application is currently pending;

WHEREAS, Jacob Collection Group herein represents that it has not acted within this state as a consumer collection agency since December 31, 2010;

AND WHEREAS, Jacob Collection Group, through its execution of this Settlement Agreement, voluntarily agrees to waive any rights to a hearing upon the allegation contained in this Settlement Agreement, and waives the right to seek judicial review or otherwise challenge or contest the validity of this Settlement Agreement.

NOW THEREFORE, the Commissioner and Jacob Collection Group enter into this Settlement Agreement as follows:

1. No later than the date this Settlement Agreement is executed by Jacob Collection Group, Jacob Collection Group shall remit to the Department of Banking, by cashier’s check, certified check or money order made payable to “Treasurer, State of Connecticut”, the sum of Three Thousand Dollars ($3, 000) as a civil penalty;
2. Nothing in the entry of this Settlement Agreement shall adversely affect the ability of Jacob Collection Group to apply for or obtain renewal licenses under Part XII of Chapter 669, Sections 36a-800 et seq., of the Connecticut General Statutes;
3. Upon entry of this Settlement Agreement, this matter will be resolved and the Commissioner will not take any future enforcement action against Jacob Collection Group based upon the allegation contained herein; provided that entry of this Settlement Agreement is without prejudice to the right of the Commissioner to take enforcement action against Jacob Collection Group based on the allegation contained herein if any representation made by Jacob Collection Group in this Settlement Agreement is subsequently discovered to be untrue or if Jacob Collection Group is not fully complying with any term or condition stated herein;
4. Notwithstanding paragraph 3 herein, execution of this Settlement Agreement is without prejudice to the right of the Commissioner to take enforcement action against Jacob Collection Group to enforce this Settlement Agreement if the Commissioner determines that Jacob Collection Group is not fully complying with any term or condition stated herein. For purposes of this paragraph, a violation of this Settlement Agreement shall be deemed to be a violation of an order of the Commissioner.
IN WITNESS WHEREOF, the parties hereto have caused this Settlement Agreement to be executed by each of them or their duly authorized representatives on the dates hereinafter subscribed.

Dated at Hartford, Connecticut
this 8th day of March 2011. ________/s/_________
Howard F. Pitkin
Banking Commissioner

I, Michael A. Jacob II, state on behalf of Jacob Collection Group, LLC, that I have read the foregoing Settlement Agreement; that I know and fully understand its contents; that I am authorized to execute this Settlement Agreement on behalf of Jacob Collection Group, LLC; and that Jacob Collection Group, LLC agrees freely and without threat or coercion of any kind to comply with the terms and conditions stated herein.
By: ________/s/_________
Name: Michael A. Jacob II
Title: President
Jacob Collection Group, LLC
State of: MS
County of: Lafayette

On this the 4 day of March 2011, before me, Alisha Barnette, the undersigned officer, personally appeared Michael A. Jacob II who acknowledged himself to be the President of Jacob Collection Group, LLC, a member managed/manager managed limited liability company, and that he as such President, being authorized so to do, executed the foregoing instrument for the purposes therein contained, by signing the name of the limited liability company by himself as President.

In witness whereof I hereunto set my hand.
________/s/_________
Notary Public
Date Commission Expires: May 14, 2014
Administrative Orders and Settlements

Gather any recorded messages on an answering machine and letters from [protected] Jacob Collection Group, LLC, 2623 West Oxford Loop, Oxford, MS [protected]. Tell family and friends, then seek legal advice.

Michael A Jacob II
Jacob Law Group
2623 W Oxford Loop
Oxford, MS [protected]
P O Box 948
Oxford, MS [protected]
Telephone: [protected]
Fax: [protected]
E-mail: mjacob@jacoblawgroup.com
Lafayette County
Admitted: 21 April 2003.
Organization: The Mississippi State Bar Association.
Area of Practice: Elder Law
Jurisdiction: The States of Mississippi

I dont know what state you live in, but in Ohio all business/banking transactions, such as fees, must be discloses to the clients. In the further, I would recommend that went you get the mailing address to which you are to send your payments. Address it to as in c/o billing dept. Make sure your account acct is on all checks or money orders. Instead on giving them 20.00 to process your payment, sent a extra 60 cent at the post office and send the payment certified. This way you will always have proof that the payment was signed received by someone that the company, even if the payment is returned.
From a former Banking Collector

These guys had someone drop off paperwork since I have a court date in a couple months 100% disabled my money is protected by federal law I don't even remember that loan do they ever actually show up at court

They called my home looking for someone with the same name as my wife, who lived in a city where we never lived. They insisted that we give them personal information such as social security number over the phone to verify who they were looking for, we refused. I told them to give me the last 4 of the social of the person they were looking for so I could verify, but she said it's against the law. So it's ok for me to give them information, but not ok for them to give me information? After arguing with them, I gave them 4 numbers and told them to figure what they were and they realized they were barking up the wrong tree. The employees at Jacob Law Group needs to learn how to treat people with respect. If the situations were reversed, I'm sure they would appreciate being treated with respect. ESPECIALLY WHEN THEY ARE CALLING THE WRONG PEOPLE!
Sometimes people fall on hard times due to no fault of their own and can't pay their bills. If this happens call or write your creditors and most of the time they can work with you.

This company Jacob Law group sucks. They call you 6 times a day. And break every law out there. They call on Sundays with a computer saying you need call back. So u do and they are ### you ask them stop calling and they tell u they call 5 times a day until I pay. Gus's what Jacob law group. U can take your job and shove it. You will never see anything from me. You broke the law and this is phone harassment. Now I do not ow anything it is Ohio law that it is paid in full now . Good luck getting anything from me

I agree with Benoh, Jacob Law Group is just Phishing for information. They send us a debt collection over a year now for a name that does not match any names in the household. We have called 3 times and still they send the letters. Some companies are so hard up for money they will do anything to try to collect

WOW! To contact someone with no legitimate purpose is considered harrassment. However, if someone has not paid their bill it could be for a number of reasons. Financial hardship, loss of job, illness. So lets not be so quick to judge the circumstances. I have collected bills for over 10 years. People are real, not a bag of crap to kick around. Everyone has something going on and if you cant find out what it is and work with them instead of against them...maybe you should find another job!

Hey "Debt collector" why don't you go get a real job instead of calling people whom you don't even know up and harassing them? I was a debt collector in high school (shows how little education you need to be a debt collector) and I quit because I just had too much dignity and no, social services are NOT for that, you ignorant fool. It's really the credit agencies fault for loaning out credit cards to people with BAD or NO credit. Don't let these people scare you, they are not attorneys, it's just a common scare tactic.

FIRST OF ALL...
IF A COLLECTION AGENCY IS CALLING YOU THEN YOU ARE IRRESPONSIBLE.
ALL YOU PEOPLE SHOULD PAY YOUR BILLS AND STOP COMPLAINING. IF YOU ARE NOT RESPONSIBLE AND MATURE ENOUGH TO HANDLE THE SIMPLE CONCEPT OF BORROWING AND REPAYING MONEY (you borrowed and promised to repay)THEN YOU SHOULD GO FILE FOR BANKRUPTCY AND THEN GO DOWN TO SOCIAL SERVICES AND APPLY FOR FOOD STAMPS AND WELFARE SO YOU CAN ONCE AGAIN GET SOMETHING FOR FREE... DEADBEATs

Benjoh, I hope you get this message ... STOP LYING! I work there and have for 3 years, and at no point has the company EVER been open on a Sunday. Our systems shut down after we leave for the day which would directly prevent us from calling you before 8a.m. CST or after 9p.m. CST. What boggles me is the fact that even though you know why you're being called, you for some reason feel that you're not obligated to pay. Please, pay your bill, ma'am. #THATISALL

Thank you for the heads up

Kevin, you have not the slightest clue about what you are talking about. The original complaint is valid and is right according to the law. Just because someone has debts, does not mean that they have to tolerate any abusive tactics and have every right to expect respect and their dignity intact.

They don't care about anything but money, Beth needs to be fired

I also was harrassed by these people and have no idea what the debt is and told them send me a letter which I never recieved They threatened to have me arrested and I told them go ahead! Then yesterday I get a letter feom my local court saying a judgement is against me and says I was duely served..NO process server ever came to my home no papers were ever mailed to me or even left at my home which I have owned since 1985..I am not hard to find. So now I have a judgment for 2400.00 and dont even know who or what its for..it just says Jacob Law Group. [censor]!

Hi, i have a payment plan in place with this so called company Jacobs, and my payment plan has been in place since June 2015, my payment plan was arranged by myself, council tax and Jacobs, to which i have to pay 5pound every week, and i have done so never got into areas with it, however just 2months from June, i started to get letters from Jacobs, asking me for proof of my income (WHY AFTER THE PAYMENT PLAN HAD BEEN ACCEPTED)at 1st i did not correspond as the local council, to whome i owe the dept to, have had all these details, but Jacobs kept Hasselling me and threatening me with baliffs, so i sent a copy to them, anyway yesterday 21st november 2015, i saw a letter being posted through my letterbox, when i opened it it was saying the Bailiffs are coming to take good from my home, if I did, not pay the full amount outstanding by 5pmthe same day, and they would call between 6pm and 9PM, I rang this gentleman who was named on the letter, and he agreed i had no areas on my account, but he was still calling to sieze my goods because i failed to show my income, i told him i sent it, but he did, nt believe me..i went out that night, but no Bailiff called as surley they would of posted a letter, saying they had been, ..

I have tried to resolve this with JLG, they are rude, unprofessional, and simply dodge and avoid answering questions. They lie, have spoken to 3 different reps on 3 different phone calls and get a different answer every time. First rep said nothing about a suit being filed and was trying to get me to pay, second rep stated that a suit was filed yesterday and gave a phone # to local clerks office. I called it and there is nothing filed there. Third rep stated that they were in the process of filing and started to defer all questions until the attorney handling it showed up, later on in same conversation there was no atty assigned yet, when asked for the name of the att. she said it was Michael Jacob. The agency has been fined in the past by the FTC for threatening and deception practices. Once again I keep asking for a settlement to resolve and keep getting the run around. Crazy!

i am currently waiting a court date for my disability and social security. i was diagnosed with a terminal illness called steato hepatitis a rare liver disease caused by diabetes. i was just granted my critical hearing case becuase my conditions have gotten worse in the past couple of weeks. the jacob law group at first was very rude to me but i called them back after my disability lawyer faxed them my paper work stating they are representing me in my disabilty case. they were very nice after that probably in knowing that eventually they will get thier money once my disabilty starts.

@Confused in Mississippi
If you are wondering what amount it is that you owe, call them and ask them. Then pay the required amount if you wish to avoid the garnishment. Problem solved.
FREE ADVICE FOR EVERYONE FROM A FORMER COLLECTIONS AGENT:
(NEVER WORKED FOR JLG, I WAS A COLLECTOR IN RESTON, VIRGINIA)
If any type of account is sent to collections, the money must go to the collection agency so the payment can be processed, be placed on record, and then sent to the creditor. If a person pays the original creditor after the account has been sent to any agency, then that agency will move forward with collection efforts, simply because they do not know about the payment. Common sense. In the future, try to work out a payment plan with a doctor before it goes to collections. i quit collecting older bills several years ago because I didn't have what it took to be a successful collector. I was never very good at it, but I came to understand the process very well.

I have been harassed by the Jacob Law Firm over a debt that they sent me a summons over. Before the court date, I went to the doctor to which the bill was owed and pd the doctors office in full. A few months later the Jacob Law Firm contacted me wanting the balance in full. I told them that I paid what was owed IN FULL to the doctor before it went to court. They told me that they had no record of it. I faxed them a copy of the paid in full statement. A month later the phone calls stated again. This time they informed me that I still owed them the court costs and attorney fees. I told them that I paid the debt in full and they told me that I still owed them. This has went on for several months. I just found out that they have already contacted my employer for garnishing those additional fees without me even being contacted. I have no idea how much they will garnish and am completely in the dark. IS THIS LEGAL?

This place is nothing but a legion of demonic spirits working for and being controlled by the love of money. I have never in my life dealt with such people, it's like dealing with hateful aliens. This place needs to be shut down for the love of God and mankind. I will not allow my blood pressure to be raised to near death because of this Hellaish group of nasty, greedy, condescending, disrespectful and down right hateful fraud of human beings, for the Love of Oxford and Ole Miss, i hope this place burns to the ground.

The employees Jacob Law Group are nothing but heartless mean spirited ugly a$$ people. We have been forced to endure the wrath of Winter. (and yes she is as cold as her name). She has called us aprox 50-75 times since August. About a bill we never knew we had from 5 years ago. This GIRL lies, cheats and does whatever she can to belittle you, make you feel like a worthless piece of dirt. She tried and tried to get our credit card #... but, I refused! That's when she said she would "END US", she would "END OUR JOB!" There is a right way and a wrong way to handle yourself as a collection agency. The Jacob Law Group AKA The Demon Spawns of Oxford Mississippi obviously received their training from The Devil himself. Be VERY careful when dealing with them. Do Not make any promises to them! Here is a tid-bit of information from Morgan and Morgan Law (you know - "for the people") When they (JLG)contact you again, all you have to do is put them on notice to NEVER CALL YOU AGIAN... They MUST abide! Per the Fair Lending and Debt Collection Agency Act!