Jana Ferrell & Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

Jana Ferrell & Associates LLC; JF&A

Headquarters

Oklahoma City, OK

Collects

credit accounts, medical bills, municipal accounts, commercial accounts

Phone numbers it lists

(800) 432-6074, (405) 842-6074

Website

janaferrell.com

25 debt collection complaints were sent to the Consumer Financial Protection Bureau about Jana Ferrell & Associates LLC 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 Jana Ferrell & Associates?

Jana Ferrell & Associates LLC, which abbreviates its name as JF&A, is a debt collection agency. Despite the "& Associates" in its name, it presents itself as a collection and recovery service, not a law firm. Its contact page lists an office at 4101 Perimeter Center Drive, Suite 210, in Oklahoma City, and its website states plainly that "JANA FERRELL & ASSOC. is a debt collector."

The company's site lists service-area pages for Arkansas, Kansas, Louisiana, Missouri, Oklahoma and Texas. We did not find a CFPB enforcement action against Jana Ferrell & Associates.

Why Jana Ferrell & Associates May Be Contacting You

JF&A's website lists several lines of work: credit collections, commercial collections, small-business debt collection, medical bill collections, municipal collections and skip tracing (locating people). In practice, that means a call or letter could be about an unpaid medical bill, a balance owed to a local business, or an account owed to a city or other public body. The company does not publish a client list, so the creditor's name in its first letter is the key detail to look for.

Because skip tracing is one of its listed services, the company may also reach out simply to confirm your address or phone number. Under the FDCPA, a location call to someone other than you generally may not reveal that you owe a debt.

How to Check a Debt Jana Ferrell & Associates Says You Owe

An account placed with a regional agency often comes from a business or provider you dealt with in person, so start with your own records.

• Read the validation notice. JF&A must send one, usually within five days of first contact, showing the creditor, the itemized balance and the date your dispute window ends (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing before that deadline if you do not recognize the creditor or the amount. The agency must pause collection until it mails you verification.
• Ask who the creditor is today. For a medical or municipal account, ask which provider or agency referred it and whether it still owns the balance.
• Compare the amount with your receipts, insurance explanations of benefits or utility statements. If a Texas hospital or other licensed facility is the creditor, it must send an itemized bill before pursuing collection; see our note on Texas S.B. 490.
• Check the age of the account. In Texas, most debt lawsuits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Oklahoma and other states have their own limitation periods.

What Jana Ferrell & Associates Can and Can't Do

An agency that regularly collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA applies to JF&A's consumer collections. Some practical limits:

• It is presumed to be calling too often if it calls you more than seven times in seven days about one debt, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). See our note on Regulation F call, text and email limits.
• It may not call you at work if it knows your employer prohibits those calls (15 U.S.C. § 1692c(a)(3)).
• It may not threaten a lawsuit or other action that is not intended or not allowed. Texas generally does not permit wage garnishment for consumer debts.
• It may not add fees or interest unless the original agreement or the law allows them (15 U.S.C. § 1692f(1)).

Questions about a collection lawsuit? Start with our debt lawsuit questions or the Texas FDCPA attorneys page.

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 Jana Ferrell & Associates 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

• Jana Ferrell & Associates: home page
• Jana Ferrell & Associates: contact page
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Jana Ferrell & Associates LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Jana Ferrell & Associates has violated any law. Company details change; tell us if something here is out of date.