888-742-5860

calling-left message that my EX HUSBAND needs to call them by the end of day !!!  Ex Husband!!! for 15 years  REALLY ????

I've gotten several calls threatening me, they even left a message..what can I do legally to have them stop?

My husband advised me that this phone number had called him to ask to speak to me and since i wasn't there he refused to give them any information. They threaten him telling him that they will take me to court and that even i can loose my children. Then I received a call with a vm stating that they have a claim against me to call them back. I called back and they asked me for the last four oh my ss. I advised them I am not going to give that information if they do not tell me why are they calling. She stated ok I will note the file. Has anyone received a call from this number before? I googled them and seems to be a debt collector. But they can be harassing my husband and I.

JONATHAN C. FRANK & ASSOCIATES, LLC.
700 Milam St Suite 1300 Houston, TX 77002
Phone: (832) 871-5263 • For Debt Collections: (888) 742-5860
Fax: (404) 410-4797
Email: jonathan@jcf-associates.com

JONATHAN C. FRANK & ASSOCIATES, LLC.
Posted in:  https://800notes.com/Phone.aspx/1-888-733-7136
https://800notes.com/Phone.aspx/1-888-733-6319
https://800notes.com/Phone.aspx/1-888-742-5860
Web site lists him as an attorney that also does debt collection and gives an address that is probably in a virtual office:
http://www.jonathancfrank.com/
No BBB page yet.
There is no LLC registered in Texas or any other state for that matter which would preclude this enterprise from legally conducting business, which a “lawyer” should know.
They are not registered with the Dept. of State in Texas as a collection agency and they do not seem to have the required necessary surety bond.
LinkedIn page:  https://www.linkedin.com/in/jonathan-frank-b59a3a44
Texas BAR registration indicates he has been a lawyer for around 18 months:
https://www.texasbar.com/AM/Template.cfm?Sect ... ontactID=338338
Whois information on his web page indicates that it less than a year old and will expire next month:
jonathancfrank.com registry whois    Updated 1 second ago - Refresh

Domain Name: JONATHANCFRANK.COM
Registrar: FASTDOMAIN, INC.
Sponsoring Registrar IANA ID: 1154
Whois Server: whois.fastdomain.com
Referral URL: http://www.fastdomain.com
Name Server: NS1.BLUEHOST.COM
Name Server: NS2.BLUEHOST.COM
Status: clientTransferProhibited http://www.icann.org/epp#clientTransferProhibited
Updated Date: 21-jan-2015
Creation Date: 21-jan-2015
Expiration Date: 21-jan-2016

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:  http://consumerfraudreporting.org/stateattorneygenerallist.php

so does this discredit the fact that they are a "law office"? He is an actual lawyer, so he can legally pursue if he does practice law no matter how long he has been an atty right?

For example, in California and Nevada, licensed professionals can form an LLP, but cannot form an LLC. so how does this law firm apply to those circumstances? what if he has an LLP? Also i researched and Texas does not require collection agencies to be licensed. But if a creditor or collector does not have an office in Texas, the “foreign entity” must register with the Secretary of State to do business in Texas. Texas also has no law that specifically governs debt buyers, but interestingly, all collection activity – whether first or third party – is governed by the Texas Debt Collection Act (TDCA).

Well i suppose he could use his license in that manner, but he would take an awful beating in court when his illegal collection methods were brought up in the counter suit, not to mention that his "LLC" isn't registered in Texas or anywhere else for that matter which is a violation of the law and would not allow him to conduct any sort of business using the business name.

This criminal has had people shilling for him before, so I guess you are one more?

It is simply illegal to bill yourself as an LLC which is a form of a corporation without registering with the state.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce

Follow the steps in what you need to know here:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection

You're chopping logic now, looking for an edge as if this was a debate.  This nonsense about what that state of Texas does or doesn't require sounds like a short story to me.  Pulling random bits out of context is not the way to go.  Most of all, you seem overly concerned with the comfort of Debt Buyers to me, as if you are rehearsing justification.

There is a sign post up ahead, and we draw nearer, I can make out the word:  Shill.    
- I advice you not to read Law.  You are clearly an amateur and out of your depth.

Let's not bury the lead here. "An actual lawyer" has no need to make idle and improbable threats to collect a debt for his client, and is liable in every state for FDCPA violations.

seems like you don't want to do any research. you feel what u may know, which isn't much, is the truth. I wanted to know the legitimacy this is why i asked the questions in the manner i did. so getting on these blogs obviously all of us here are amateur to this process thats why the questions are being asked in the first place. clearly u had no answers to the questions asked but cmments on whats right or wrong.

i would advise u to stop judging things you dont know just to make a point. which you did not make. my belief is this may be valid i just wanted to make sure and not to mention i jus think the first thing tht come to mind to you WHITE PEOPLE is the fact that a black man is on the website so you all automatically think its a scam. so i chose to look a little further just to make sure everything was legitimate instead of judging what i think off of the fact that he is African american so he never had a chance with you WHITE FOLKS ANYWAY!!!

Maria, are you the same maria expinosa?   The shill I called out?   Shills don't come in colors or sexes.  It is a "job" description.  Crooks, scammers, shills; on this site they are all cut from the same cloth.  As for judging, I read posts and balance Truth from Lies, a process that requires judgment, which is not the same as judging.      From your talk, I'd say you are the one doing the judging based on assumptions without evidence.   I called you out as Shill, which you are, if you are the author of that post.

As to the your boss or your alter-ego there, from what I discovered, ol' JCF don't look any too clean. We know he uses Shills, and as a dc using shills, that is deceptive and morally repugnant.  Not a question of color, it's about turpitude.

In my heart of hearts, I am pretty sure JCF, maria espinosa and Maria, are one and the same.  Like I said, turpitude.

...to muddy the waters has only made clear to readers of this FORUM that you are just another shill for a FDCPA-violating debt collector....

Just so you know, you can't play a race card with me.
I'm not even a little white.  :)

What you seem to be intentionally misunderstanding is that in Texas, you HAVE to have a surety bond of $10,000.
http://www.sos.state.tx.us/statdoc/faqs2900.shtml  <--- this link takes you to the very plain language the SoS (that's Secretary of State) uses to explain what debt collectors must do.

You can then go here
https://direct.sos.state.tx.us/debtcollectors/DCSearch.asp
And plug in any combination of this "firms" name.
There is no surety bond. Therefore, they CANNOT collect debt.......errr, they CAN collect debt, but they'll be doing it illegally, and will likely be sued, and Jonathan C. Frank will face some harsh disciplinary actions.

Quote:

"An actual lawyer" has no need to make idle and improbable threats

a threat such as

Quote:

They threaten him telling him that they will take me to court and that even i can loose my children

...is the height of despicable behavior and can you imagine that in front of any  judge or jury.

It is also despicable for someone to shill for them.

Perhaps Maria you need to do a little research before sticking hoof in mouth. In fact, attorneys have done just that. Look up the "Corona Cabal".

"i jus think the first thing tht come to mind to you WHITE PEOPLE"  I see so we want to play the race card do we?  Well how do you know we are 'white"  Perhaps we are not.  Can you tell from our screen names?  For instance maria sounds like a Hispanic name to me?  But it could also be a white name as well.  Maybe you can tell from out avatars?  Lets see if we can figure out what color I am shall we?  Well I have a dog as an avatar.  A black dog.  So does that mean I am black?  Does it mean that I am white?  How about B Edwards avatar?  His is a cat, what color does that make him?  Can you tell from the way we write which color we are?  Are you trying to say that only white people write well?  Because i know quite a few black people that would take offense to that.  The only racist here is you maria.