Welcome!

Consumer Justice Group would like to welcome you to our web site and thank you for taking interest in our organization, services, and programs! Consumer Justice Group is an independent advocacy organization experienced in protecting the rights of consumers afforded by the Fair Debt Collection Practices Act (FDCPA) and state consumer laws. We have been providing excellent advocacy services since 2006.

Our Commitment

We are committed to supporting and safeguarding consumers against debt collection harassment, protecting their rights, and empowering them to take a stand against collection harassment. We take pride in our unrivaled services and unmatched support, and are determined to continue standing out as a true leader in the advocacy industry.

Professional Staff

Our knowledgeable and courteous advocates are experienced with the strict guidelines that regulate fair debt collection, and are well versed with the collection tactics used by unscrupulous debt collectors. In turn, allowing us to offer invaluable education, easily adopted processes, and step-by-step instruction to aid in counteracting debt collection harassment. We understand the embarrassment and stress that comes along with delinquent debt, and respect the privacy of our consumers and clients by keeping their information confidential and secure.

Unrivaled Services

We consider it a privilege to educate consumers on their rights afforded to them by the FDCPA and take great pride in our unrivaled services. Our goal has been, and will continue to be, to provide the utmost professionalism when dealing with the sensitive issue of debt and the harassing collection calls that accompany it.

Effective Processes

Our staff has spent countless hours researching what debt collectors can and cannot do in their attempts to collect unsecured debts, and the boundaries put in place per the Fair Debt Collection Practices Act. That extensive research, training, and experience has allowed us to implement processes, in accordance with the FDCPA, to effectively and efficiently counteract debt collection call harassment and abuse.
Let’s face it, the verbiage and legal-based terminology used in the FDCPA can be overwhelming and confusing. We have found effective methods to translate the verbiage used in the FDCPA into layman’s terms to help insure understanding. Many consumers are unaware of the guidelines debt collectors are supposed to adhere to; therefore, making them susceptible to harassment and abusive collection tactics. Utilizing the education, tools, and instruction we arm them with will help counteract, alleviate, and often eliminate harassing collection calls (i.e. collection calls at the workplace). Due to our extremely effective processes, we have found that the majority of debt collection agencies (debt collectors) will respect the rights of the consumer and honor their request.

Quality Resources & Superior Programs

Consumer Justice Group is proud to provide a variety of related resources and programs to help support the needs of consumers. One of our main goals is to educate consumers of the rights afforded to them by the FDCPA. We strongly believe that knowledge is power! Please see details outlining our resources and programs below.

Legal Referral Program
We understand the probability of creditors taking legal action to recover delinquent debt and their right to do so (if applicable). However, we have found that unscrupulous debt collectors often use threats of legal action solely as a collection tactic; not having any real intent to execute. Due to not being a legal organization or able to provide legal advice, but still accommodate the needs of consumers who’s rights have been blatantly violated in this manner, we have set up a reputable nationwide referral system. This will allow the consumer the option to have contact with an attorney in their state experienced with the FDCPA to discuss and possibly pursue legal action typically on a contingency basis or through a class action lawsuit. Although, we cannot guarantee representation by the attorneys participating in our Legal Referral Program, we find this resource to be a valuable service to those consumers that choose to pursue this option.

Empowerment Guide
Not all consumers subjected to some form of collection harassment are enrolled in a debt relief program or faced with filing bankruptcy. Debt collection harassment comes in many forms and is not always directed at the actual debtor, but rather at an indirect or unauthorized third-party. Some may experience being falsely pursued for a debt they do not owe or may be receiving calls from a debt collector seeking payment for a relative’s debt. These are just a couple of examples of collection harassment faced by consumers not associated with the subject debt, but are in need of relief from abusive debt collectors. They may not know their rights or how to go about exercising the rights afforded to them by the FDCPA. That’s where Consumer Justice Group comes in! We are here to provide the education, support, and direction needed to safeguard and empower all consumers. This, all-inclusive, guide will provide the needed education and know-how to counteract unwarranted collection efforts and harassment. This invaluable resource is straightforward and easy to utilize. Please access the ‘Empower Yourself’ link on this web site for additional information regarding our Empowerment Guide.

Empowerment Plus Program
This subscription-based program offers consumers the opportunity to receive one-on-one consultations with our professional advocates and specialized support and services not available to the general consumer or by purchasing the Empowerment Guide alone. Subscribers will be assigned a consumer password and user number to access the private section of our web site, and will be entitled to speak with a friendly and knowledgeable advocate, not an automated system, for assistance with collection call harassment. Please access the ‘Empower Yourself’ link on this web site for additional information regarding our Empowerment Plus Program.

Consumer Advocacy Program (C.A.P.)
Consumer Justice Group is pleased to offer our exemplary advocacy services through our Consumer Advocacy Program (C.A.P.). One of the greatest challenges debt settlement companies face is being able to provide the needed resources and expertise to protect their clients against abusive debt collectors who step outside the boundaries of the FDCPA. Many clients cancel their debt settlement contracts before their fist settlement is even made due to the stress created by excessive, abusive, and harassing collection calls. Let us be the solution! The professional services provided through our Consumer Advocacy Program will offer an enrollment incentive to prospective clients and keep established clients enrolled for a longer period of time. Let Consumer Justice Group take on the challenges associated with debt collection harassment, and allow your staff to focus on increasing profitability and maintaining client retention. Feel free to contact us via the ‘CONTACT US’ link on our web site, by phone 800-990-5213 or email us at info@consumerjusticegroup.org to receive further information regarding C.A.P.

Federal Trade Commission (FTC)

The Federal Trade Commission is an independent agency of the United States Government. One of it’s many roles is to govern the federal law (FDCPA) that regulates debt collection and protects consumers against unfair business practices. While the FTC does not resolve individual consumer problems, complaints may initiate investigation, which can lead to law enforcement action.
Every complaint counts! Taking action, such as filing a complaint with the FTC, increases the chance of investigation and action being taken against the collection agency/collector in violation, and is just one simple proactive step consumers can take to help protect their rights and expose the abusive actions of unscrupulous debt collectors.

Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act outlines what debt collectors can and cannot do in their collection efforts. They must abide by the Act or else they are in violation. Generally, the FDCPA applies to third-party debt collectors such as collection agencies and collection law firms. The Act does NOT cover original creditors, but some state laws may and often mirror the FDCPA. Not all debts are covered by the FDCPA, such as business debt, taxes, child support and marital settlement obligations. Personal, family, and household debts are covered.

FDCPA Violations

Unfortunately, the collection industry is plagued with debt collectors that are either undertrained on the guidelines of fair debt collection or are just plain unscrupulous and only care about their commission; a major factor that contributes to aggressive collection efforts, deceitful tactics, and blatant violations of the FDCPA.

Filing a complaint with the FTC is one simple proactive step consumers can take to help expose an unscrupulous collector. Another option consumers have is to pursue legal recourse (within one year of the violation) through an experienced FDCPA attorney located in their state for gross violations of the FDCPA.

Consumer Justice Group is not and does not make any claims of being a legal organization nor do we offer legal advice; however, we are able to accommodate consumers that choose to exercise their rights in this format by offering them contact with an experienced FDCPA attorney in their state who has agreed to participate in our Legal Referral Program.

The Truth of the Matter!

By law, creditors and collectors have the right to make collection calls to debtors to pursue payment of a delinquent debt. However, collectors do not have the right to be harassing or abusive.

Don’t be mislead by advocacy companies that claim they can stop ALL collection calls. It’s not the actual collection call that is the issue; it’s the harassment in connection with the call that needs to be addressed.

A Limited Power of Attorney does not mandate that collection calls stop, it simply provides a specific party the right to make contact on behalf of another; stating this document is anything other than a tool to communicate with a creditor/collector is misleading.

A standard Cease and Desist Letter would have to be sent to the creditor/collector requesting all communication in connection with the debt stop. However, we have found that addressing collection calls is this manner may be detrimental to the client and possibly trigger some form of legal action. The FDCPA has very strict guidelines to correctly address harassing collection calls; Consumer Justice Group’s processes are in accordance with those guidelines.

In Closing...

The staff at Consumer Justice Group would like to thank you for taking the time to view our web site.
Our goal isn’t necessarily to be the largest advocacy organization in the nation, but rather a true leader in the advocacy industry known for it’s quality, utmost professionalism, and understanding extended to those experiencing financial difficulties.

Feel free to contact Consumer Justice Group if you have any questions regarding the information above via email:info@ConsumerJusticeGroup.org or toll free at #(800)990-5213.

Privacy Policy

The directors, management, and staff of Consumer Justice Group are concerned about and respect the privacy of our customers' personal financial information. We understand that our customers furnish sensitive information to Consumer Justice Group in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. Consumer Justice Group will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers.

Disclaimer

The material provided on this web site is intended as general information and may not apply to your situation and is not meant to replace the advice of an attorney.