Consumer complaint received 2018-01-24
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JJ MARSHALL ASSOCIATES INC PRETENDS TO BE LAWYERS COLLECTING ON A DEBT WHEN THEY ARE NOT. EVEN A RECENT ARTICLE WRITTEN ON THEM BY XXXX XXXX GAVE EVIDENCE OF THIS, We're not lawyers, we don't give legal advice, XXXX said. We have to seek the debt, and seek a reasonable way to pay that debt. '' ( http : XXXX ). I HAVE DISPUTED JJ MARSHALL FROM MY CREDIT REPORT MULTIPLE TIMES DUE TO THE FACT THAT I AM NOT THE PRIMARY HOLDER OF THE DEBT THEY REPORTED AS A COLLECTION ON MY SOCIAL SECURITY NUMBER WHICH VIOLATES MY FAIR CREDIT RIGHTS. I SPOKE WITH A CREDIT FRAUD LAWYER AND RESEARCHED JJ MARSHALL AND FOUND THAT SEVERAL PEOPLE HAVE THE SAME ISSUE WITH UNRESOLVED CONFLICT FROM THIS COMPANY SCAMMING THEM OUT OF FUNDS AND NOT REPORTING CORRECTLY TO THE CREDIT BUREAUS. I AM JUST ANOTHER VICTIM. JJ MARSHALL STATES I OWE {$350.00} FOR A DEBT THAT WAS MY HUSBAND 'S AND WAS CLOSED IN A  BANKRUPTCY UNDER MY HUSBAND 'S NAME. AS PROOF TO THE CREDIT BUREAUS THAT I AM LIABLE FOR THE DEBT THEY SHOWED THE CREDIT BUREAUS A COPY OF MY SIGNATURE A SECOND PARTY TO TERMINATING MY LEASE AT MY PREVIOUS APARTMENT COMPLEX. BY ME SIGNING MY NAME TO TERMINATE MY LEASE THIS DOES NOT MEAN THAT I OWN THIS DEBT, THIS DEBT WAS MY HUSBANDS AND HE WAS THE SOLE CREDIT AND ONLY PRIMARY ACCOUNT CREDIT HOLDER USED TO EVEN GET THE APARTMENT. MY BACKGROUND WAS CHECKED BUT MY CREDIT WAS NOT USED TO GET THE APARTMENT. I WOULDN'T HAVE EVEN QUALIFIED AS BAD AS THAT SOUNDS. 

JJ MARSHALL KNOWS THAT THIS DEBT WAS CLOSED IN MY HUSBAND 'S BANKRUPTCY AND THEY WERE GIVEN DOCUMENTATION OF IT AS WELL AS SEVERAL LETTERS FROM REAL ATTORNEYS. I AM NOT LIABLE FOR THIS DEBT AND I NEVER SIGNED ANY PAPERWORK SAYING I WOULD OBTAIN THIS DEBT IF MY HUSBAND DIDN'T PAY IT, A LEASE CANCELATION IS NOT PROOF THIS IS MY DEBT. I AM SURPRISED THAT THE CREDIT BUREAUS EVEN ALLOWED THAT. 

MY HUSBAND IS A XXXX FOR THE FEDERAL GOVERNMENT AND WE HAVE FREE ACCESS TO LEGAL HELP, EVERYTHING I HAVE GATHERED IN EVIDENCE AGAINST JJ MARSHALL SHOWS THAT THEY HAVE A HORRIBLE REPUTATION FOR NOT LETTING GO OF DEBT THEY CAN'T PROVE IS LEGITIMATE, THEY IMPERSONATE ATTORNEY 'S, AND THEY REFUSE TO REMOVE COLLECTIONS THAT HAVE BEEN PAID OR FILED UNDER BANKRUPTCIES. 

MY HUSBAND AND I HAD A JOINT CREDIT CARD WITH XXXX XXXX THAT WAS CLOSED IN HIS BANKRUPTCY AND THAT WAS REMOVED FROM MY CREDIT REPORT, SO PLEASE TELL ME WHY A DEBT I NEVER EVEN ASSUMED IS STILL ON MY CREDIT REPORT? THE ANSWER IS BECAUSE JJ MARSHALL THINKS THAT SINCE THE BANKRUPTCY WASN'T MINE THAT I AM NOT THE PRIMARY HOLDER OF THIS DEBT WHICH IS ILLEGAL, FALSE AND UNTRUE. THAT WOULD BE LIKE GOING TO A RESTAURANT WITH YOUR FAMILY AND THEN SPLITTING THE BILL, ONE PERSON CAN'T PAY THEIR BILL SO NOW THE RESTAURANT WANTS SOMEONE AT THE TABLE TO PAY FOR THE OTHER PARTY EVEN THOUGH THEY DIDN'T EAT THE FOOD. YES, SOMEONE TYPICALLY PICS UP THE BILL SO THE PERSON WHO CAN'T PAY DOESN'T GET IN TROUBLE AND OUT OF KINDNESS, BUT THEY AREN'T LEGALLY RESPONSIBLE TO PAY THEIR BILL. 

REMOVE THIS ERRONEOUS DEBT FROM MY CREDIT REPORT OR I WILL SUE FOR PERSONAL DAMAGES WHICH INCLUDE THE INABILITY TO OBTAIN CERTAIN JOBS, LOANS, AND ADDITIONAL CREDIT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation