Jacob Law Group, PLLC is a Mississippi law firm that collects consumer debts nationwide, including accounts owned by debt buyers. A letter or call from it means a creditor or debt buyer has placed an account with the firm.
- Type
- Collection law firm
- Also known as
- Jacob Law Group, PLLC
- Collects
- consumer debts purchased by debt buyers
35 debt collection complaints were sent to the Consumer Financial Protection Bureau about Jacob Law Group, PLLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Jacob Law Group?
Jacob Law Group, PLLC is a debt collection law firm. The Federal Trade Commission described it in 2013 as a Mississippi-based firm that had worked since 2006 with Security Credit Services, LLC, a Mississippi debt buyer, to collect consumer debts nationwide. Under that arrangement, Security Credit bought accounts and contracted with Jacob Law Group to collect them.
In March 2013 the FTC announced a settlement with both companies in a case filed in federal court in the Northern District of Georgia. The FTC alleged that the firm charged consumers an $18.95 fee to pay by phone without explaining that paying by mail or online avoided the fee, and that it implied it would sue consumers when it did not intend to. The stipulated order required $799,958 in restitution and barred misrepresentations about fees and lawsuits. The FTC noted that the defendants did not admit violating the law. In February 2014, the FTC reported mailing refund checks to affected consumers. We did not find a CFPB enforcement action against Jacob Law Group.
Why Jacob Law Group May Be Contacting You
A collection law firm is usually hired after an account has been charged off and, often, sold. The FTC record shows the firm's long relationship with a debt buyer, so the account it is asking about may belong to a company you never did business with. We could not verify a current official website or a list of current clients for the firm, so read its letter closely: it should name the current creditor, the original creditor, and the account. Before you pay anything, confirm the firm's mailing address from the letter and court records rather than from a caller.
How to Check a Debt Jacob Law Group Says You Owe
- Read the validation notice. Within five days of first contact, the firm must send the amount, the creditor and your dispute rights (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If the account was sold, the notice should show the itemization date and how the balance changed since then.
- Dispute in writing within the validation period and ask for proof of the chain of ownership from the original lender to the current owner; see what a debt buyer is.
- Question any added charges. Ask what each fee is for and whether there is a free way to pay. See whether a collector can add fees.
- Find your last payment date. Texas generally gives creditors four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states use different periods, and a payment can affect your rights, so check before paying.
What Jacob Law Group Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA, including when they litigate (Heintz v. Jenkins, 514 U.S. 291 (1995)); see collection law firms as debt collectors. That means the firm:
- May not threaten a lawsuit it does not intend to file (15 U.S.C. § 1692e(5)).
- May not collect a fee unless your agreement or the law allows it (15 U.S.C. § 1692f(1)).
- May not suggest a letter was reviewed by a lawyer when no lawyer was meaningfully involved (15 U.S.C. § 1692e(3)).
- Is presumed to cross the line on calls if it calls more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If the firm files suit, the court papers set a deadline to answer. Read what to do first if you're sued in Texas.
Government Actions on the Public Record
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Jacob Law Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- FTC press release: In Settlement with FTC, Debt Collectors Agree to Stop Deceiving Consumers (Mar. 26, 2013)
- FTC case page: Security Credit Services, LLC
- FTC: In Debt Collection Case, FTC Sends Refund Checks to Consumers (Feb. 2014)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Jacob Law Group, PLLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Jacob Law Group has violated any law. Company details change; tell us if something here is out of date.