J.J. Marshall & Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

J J Marshall & Associates, Inc; J. J. Marshall & Associates, Inc.; JJ Marshall Inc.

Headquarters

Warren, MI

Website

jjmarshallinc.com

115 debt collection complaints were sent to the Consumer Financial Protection Bureau about J J Marshall & Associates, Inc 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 J.J. Marshall & Associates?

J. J. Marshall & Associates, Inc. is a collection agency at 28820 Mound Road in Warren, Michigan. Its BBB business profile gives a start date of 1974 and an incorporation date of 1978, lists the company as a corporation, and names Garret Angelo as managing partner along with a compliance officer. The company's website, which identifies it as "JJ Marshall Inc.," describes it as a debt collection agency. We could not find a public list of its clients or licenses on pages we were able to read.

Why J.J. Marshall & Associates May Be Contacting You

Because we could not verify which creditors or industries J.J. Marshall works for, we won't guess. The practical point is the same either way: a letter or call from the agency means a creditor has placed an account with it, and the validation notice must tell you which creditor. If the creditor is a Michigan business you dealt with before moving to Texas, the account may be several years old, which makes the limitations question below especially important.

How to Check a Debt J.J. Marshall & Associates Says You Owe

• Wait for, or request, the validation notice. It must identify the creditor, itemize the amount and state the last day to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing, not just by phone. A written dispute within the validation period requires the agency to stop collecting until it sends verification. Keep a copy and proof of mailing.
• Ask who owns the account today. Find out whether the original creditor still owns it or whether a debt buyer purchased it, and ask for the date of default.
• Check the balance. Compare it with your last statement from the creditor, and question any interest or fees added later.
• Check the age of the account. In Texas, most consumer debts must be sued on 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). Michigan and other states use different periods. Talk to a lawyer before making a payment on an old account.

What J.J. Marshall & Associates Can and Can't Do

An agency that regularly collects debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That gives you several concrete protections:

• It must tell you in its first communication that it is a debt collector attempting to collect a debt (15 U.S.C. § 1692e(11)).
• It may not contact you at an inconvenient time, presumed to be before 8 a.m. or after 9 p.m. your local time (15 U.S.C. § 1692c(a)(1)).
• It may not call more than seven times within seven days about one debt without a presumption of a violation (12 C.F.R. § 1006.14(b)(2)).
• Once you send a written request to stop contact, it must stop, apart from limited notices (15 U.S.C. § 1692c(c)).

We did not find a CFPB enforcement action against J.J. Marshall & Associates. If a contact from it concerns you, our Texas FDCPA attorneys page explains what we do.

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 J.J. Marshall & 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

• BBB business profile: J. J. Marshall & Associates, Inc.
• JJ Marshall Inc.: home page
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: J J Marshall & Associates, Inc, debt collection

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