Update: April 21, 2009
The State of Georgia has decided not to prosecute fraud. What type of government is this that allows fraud to be perpetrated? The Government of Georgia has given this company a license to fraud. I received this letter dated February 27, 2009:
State of Georgia
Governor's Office of Consumer Affairs
2 Martin Luther King, Jr., Drive, SE, Suite 356
Atlanta, Georgia 30334-4600
404-651-8600
RE: Reference File Number 230366
"...Thank you for sending us the information regarding your complaint against Joseph & Stephens Associates. As we do not have jurisdiction in matters of this nature beyond a facilitation process, and as this process has taken place, we are closing the file...Although we cannot take further action on your behalf at this point, we are retaining your complaint in our files for future reference..."
Sincerely,
Faye Allen
Customer Service Representative
Update: January 10, 2009
On January 10, 2009 I received correspondence from the State of Georgia, Governor's Office of Consumer Affairs. The letter states in part
"...Our office has received the enclosed complaint from Mr. Fred L. Nance Jr. regarding your debt collection practices for an account numbered xxxxxxxxx9116 indicating Bank of America as the original creditor. The consumer is alleging harassment and/or inappropriate communications from your company, and particularly that you are not contacting the correct party...
The Georgia Governor's Office of Consumer Affairs enforces the Fair Business Practices Act...which prohibits unfair and deceptive practices in the context of consumer transactions. Our enforcement powers allow us to conduct civil or criminal investigations, issue subpoenas, assess civil penalties up to $2,000 per day for violations, and pursue violators in court...
This letter serves as notice that a violation of the Fair Debt Collection Practices Act...is also a violation of the Georgia Fair Business Practices Act...
Please also review your records and provide to this office a written response to the specific allegations of this consumer within ten business days. If the matter has been resolved, state the precise manner in which it was resolved...."
October 20, 2008
Joseph & Stephens Associates
5150 Stilesboro Road, Suite 610
Kennesaw, Georgia 30152
Re: Bank of America 4673671189116
Joseph & Stephens Associates:
Please be advised: During the first week of October 2008, Mr. Steve Larrimore called me threatening and intimidating me and my family with litigation regarding this account. Mr. Larrimore informed me he had reason to believe I owed a debt for this account. I informed Mr. Larrimore I did not have nor have I ever had an account with the Bank of America. I asked Mr. Larrimore to give me some details about this debt, and why he believed I owed this debt. Mr. Larrimore refused to elaborate on the account, stating since I did not want to take ownership of the debt he would start litigation against me. I informed Mr. Larrimore since he was not going to discuss this alleged debt with me, that he should call me anymore. Mr. Larrimore informed me I would be receiving litigation paperwork in the mail at the end of October 2008.
On or about October 14, 2008 I received a letter of settlement on this account suggesting I owed a current amount of $4,838.38. The letter states a settlement offer of $3,139.04 with a settlement date of October 24, 2008. On or about October 16, 2008 my daughter received the same letter at her address. I do not live with my daughter. On October 20, 2008 I called and left a message for Mr. Larrimore. Mr. Larrimore returned my call and refused to give me any information on this account, which he is charging me with being delinquent. Mr. Larrimore informed me that since I did not take ownership the litigation proceedings have gone forward against me.
Wherefore the foregoing, if I receive any litigation papers in the mail or by any other means of delivery I will proceed with a counterclaim stating threats, intimidation and defamation of character to start. I will be seeking damages for legal fees, court costs and any and all other remedies the court of jurisdiction deems necessary and appropriate for the willful, nefarious and deliberate acts complained.
Respectfully submitted,
Fred Nance Jr.
cc:
Court of Jurisdiction
http://clickforjusticeandequality2.blogspot.com/
http://click.townhall.com/
http://frednance.newsvine.com/
http://clickforjusticeandequality.wordpress.com/
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