The Law Office of Jennifer McCoy, PC is a multi-state law firm, with a Nashville mailing address, that represents landlords and property managers and also handles debt and judgment collection. A letter from it often concerns a balance tied to a lease or a judgment from an eviction or collection case.
- Type
- Collection law firm
- Also known as
- The Law Offices of Jennifer McCoy, PC; Law Office of Jennifer McCoy, P.C.
- Headquarters
- Nashville, TN
- Collects
- debts owed to landlords and property managers, personal and commercial debts, judgments
- Phone numbers it lists
- (615) 500-8577
- Website
- jennifermccoylaw.com
61 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Law Offices of Jennifer McCoy, PC 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 The Law Office of Jennifer McCoy?
The Law Office of Jennifer McCoy, P.C. calls itself a "multi-state, full-service property management law firm" that represents landlords and property managers in landlord-tenant matters. Its website lists practice areas in landlord-tenant law, commercial evictions, debt collection and judgment collection, and it names Tennessee, Kentucky, Indiana, Alabama, Georgia, Texas and Washington, D.C. as the places it serves. Its mailing address is P.O. Box 140450, Nashville, TN 37214, and its phone number is (615) 500-8577, Monday through Friday, 8 a.m. to 5 p.m. The site footer states that it is a communication from a debt collector.
The firm is listed in the National Creditors Bar Association's directory, which shows membership since 2012 and also gives an address in Sarasota, Florida. The CFPB lists the firm as "The Law Offices of Jennifer McCoy, PC," with "Offices" plural. We matched that name to this firm by name and line of business.
Why The Law Office of Jennifer McCoy May Be Contacting You
Given the firm's focus, the most common reason is money a landlord says you owe after a lease ended: unpaid rent, charges for move-out damage beyond the deposit, early-termination fees, or a judgment entered in an eviction case. The firm's debt-collection page also says it collects personal and commercial debts generally, using demand letters and phone campaigns, and, after judgment, "garnishments, levies, and liens." Your letter should name the property or management company you're said to owe.
How to Check a Debt The Law Office of Jennifer McCoy Says You Owe
Rental balances are worth checking line by line:
- Pull your lease and move-out paperwork. Compare each charge with the lease terms, your move-out inspection and any photos you took. In Texas, a landlord must account in writing for a security deposit it keeps (Tex. Prop. Code § 92.104).
- Read the validation notice. The firm must give you the notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, naming the creditor and itemizing the balance.
- Dispute in writing within the validation period. Ask for the ledger showing rent charged, payments and fees. Collection stops until verification is mailed.
- Find out whether there is a judgment. If an eviction case resulted in a money judgment, collection is governed by that judgment, not just the lease.
- Mind the deadline to sue. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states differ.
What The Law Office of Jennifer McCoy Can and Can't Do
A law firm that regularly collects consumer debts, including residential rent, is a debt collector under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). In practice:
- It may not collect fees or charges that the lease or the law does not permit (15 U.S.C. § 1692f(1)).
- It may not threaten a garnishment it cannot carry out. Texas does not allow wage garnishment for ordinary consumer debts such as unpaid rent (Tex. Const. art. XVI, § 28).
- It may not tell your new landlord or employer about the debt, except in limited situations (15 U.S.C. § 1692c(b)).
- Calls are limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against The Law Office of Jennifer McCoy. If you're disputing a rental balance, see how to dispute a debt or contact our FDCPA attorneys.
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 The Law Office of Jennifer McCoy, PC 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
- Law Office of Jennifer McCoy: home page
- Law Office of Jennifer McCoy: Debt Collection
- National Creditors Bar Association: firm directory listing
- CFPB enforcement actions search: McCoy
- CFPB Consumer Complaint Database: The Law Offices of Jennifer McCoy, PC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that The Law Office of Jennifer McCoy, PC has violated any law. Company details change; tell us if something here is out of date.