Jonathan Neil & Associates, Inc. is a Southern California collection agency that has focused on commercial collections since 1981. Its clients include businesses in insurance, finance, construction and other industries, and it may contact individuals as well as companies.
- Type
- Collection agency
- Also known as
- Jonathan Neil & Associates, Inc.; JNA
- Headquarters
- Woodland Hills, CA
- Collects
- commercial accounts, insurance industry accounts
- Phone numbers it lists
- (800) 331-6333
- Website
- jnacollect.com
28 debt collection complaints were sent to the Consumer Financial Protection Bureau about Jonathan Neil & 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 Jonathan Neil & Associates?
Jonathan Neil & Associates, Inc., often shortened to JNA, is a collection agency whose website gives its corporate address as 21300 Victory Boulevard, Suite 420, in Woodland Hills, California. The site describes the firm as a commercial collection agency operating since 1981, with offices across the country, and says it holds a Certificate of Compliance from the Commercial Collection Agencies of America.
The phone number on its website is (800) 331-6333, and the site links to an online payment portal. We did not find a CFPB enforcement action against Jonathan Neil & Associates in the CFPB's public enforcement list.
Why Jonathan Neil & Associates May Be Contacting You
JNA's website lists the industries it serves as construction, insurance, automotive, electronics, staffing, apparel and footwear, banking and finance, internet advertising, and medical and dental distribution. Most of that work involves money one business owes another. Even so, the CFPB has received consumer complaints naming the company, so individuals do hear from it. Possible reasons include:
- a balance an insurance company says is owed on a policy;
- a debt connected to a small business you own or guaranteed; or
- an account a finance company or other client placed in your name.
Whether the account is personal or commercial matters, because it decides which laws apply.
How to Check a Debt Jonathan Neil & Associates Says You Owe
Your first question should be whether the debt is yours personally or belongs to a business.
- Identify the account type. A personal auto or homeowners policy, or another household account, is a consumer debt. An invoice to your company is commercial, unless you signed a personal guaranty, and even then the underlying debt is usually treated as commercial.
- For a consumer debt, ask for the validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, which must name the creditor and itemize the balance. Dispute in writing within the validation period.
- For insurance balances, request the policy, the cancellation notice and the premium computation, and compare them with your payment history.
- Ask who owns the account now and whether it has been referred to a lawyer.
- Check the limitations period. Texas generally sets four years for suits on debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different deadlines, and contracts can choose which state's law applies.
What Jonathan Neil & Associates Can and Can't Do
The FDCPA covers only consumer debts, those incurred mainly for personal, family or household purposes (15 U.S.C. § 1692a(5)). When JNA collects a consumer debt owed to a client, it is a "debt collector" under § 1692a(6) and must follow these rules:
- It may not falsely imply that it is a lawyer or that a lawsuit has been filed (15 U.S.C. § 1692e(3), (5)).
- It must verify the debt if you dispute it in writing on time, before it continues collecting (15 U.S.C. § 1692g(b)).
- It may not contact your employer or others about the debt except to find you (15 U.S.C. § 1692c(b)).
- Regulation F presumes harassment after more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
Business debts fall outside the FDCPA, though some state laws may still apply. Our FDCPA attorneys page explains more.
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 Jonathan Neil & 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
- Jonathan Neil & Associates: home page
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Jonathan Neil & Associates, Inc, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Jonathan Neil & Associates has violated any law. Company details change; tell us if something here is out of date.