I am a bankruptcy lawyer in Virginia, and I think one of the tactics they use may be a violation of the Fair Debt Collection Practices Act.
If you get behind on your payments on a Navy Federal loan, J.M. Adjustment Services may come around and knock on your door. (According to their website, they may also knock on your neighbors’ door. )
This collection tactic may violate Federal law.
What law? The Fair Debt Collection Practices Act (FDCPA). That law says what debt collectors can and can’t do. For one thing, they have to say they are debt collectors. For another, they have to tell you the amount of the debt. They also have to tell you that you have the right to dispute the debt.
And debt collectors can’t talk to other people (except your spouse or your lawyer) about you.
J.M. Adjustment violates all that. I know that because my bankruptcy clients have told me.
J. M. Adjustment must think they are allowed to do what they do. I guess that’s because they don’t directly ask for a payment. Instead they ask you to call Navy Federal’s collection department.
Their website says they are a “field call service.” They also say they are a “professional door knock company.” To me, that’s just a dodge.
I'd like to hear form anyone in Virginia who has experience with this outfit. http://robertweed.com/blog/weekly-posts/harassed-by-j-m-adjustment/
