JTL Inc11020 David Taylor Drive, Charlotte, NC 28262-1102
Category: COLLECTION AGENCY

Received three (3) annoying calls!!!!

they are super annoying

J. Graham & Associates is allegedly a collection agency in Charlotte.  I will post their information below.  IF they are legit, I would suspect they purchases some of the "bad debts" from the banks who wanted to sell them off. I would strongly urge you NOT to make ANY PAYMENTS to them until you determine IF they are trying to collect a legitimate debt.  And them I would trace it back and deal with the original creditor for more information.

North Carolina law: Statute of Limitations on debt (that was NOT signed under "SEAL" is 3 yrs.
If you signed loan papers, or something else to incur the debt, and the word "(SEAL)" appeared on the document where you signed, the statute of limitations is 10 yrs. The statute of limitations is YOUR defense against creditors who attempt to collect a debt that is beyond the statuoy period.  They CAN file a Complaint against you, but you MUST respond to that Complaint for Money Due is: Statute of Limitations.  You will find this in the North Carolina General Statutes (for resident of North Carolina only - other state differ) around §1-50.

NEVER allow these people to intimidate you. There are no debtors' prisone anymore. So take the situation in hand and fight back.  DO NOT SEND ANY MONEY TO THEM unless they pass the test of legitimacy and statute of limitations.  And them I would still be VERY HESITANT to pay them anything.  ASK FOR PROOF THAT YOU OWE THE DEBT.

Business Contact and Profile for J Graham & Associates
Name: J Graham & Associates
Phone: (704) 529-1224
Fax: (704) 529-0893
Address: 11020 David Taylor Dr Ste 310

Charlotte, NC 28262-1102
Original Business Start Date: January 1990
Principal: Mr. Gill Graham, President
Customer Contact: Mr. Gill Graham, President - (704) 529-1224
Employees: 20
Type of Business: Collection Agencies
BBB Accreditation: J Graham & Associates is not a BBB Accredited business.
Additional DBA Names: JTL Incorporated

I also found an address on Park Road in Charlotte. If anyone needs the exact address I will try to find it again.

Be even MORE annoying!  Tell them you cannot tak to them at this time. If they will give you their home phone you will call them back later!  OR  After you answer their call, tell them to hold for just a minute you have to keep something from burning in the kitchen...and then just leave them hanging.Don't go back to the call.  We have had some clients who use VERY LOUD horns as well as those who can give it back to these callers as good as they get.  I personally wouldn't use foul language, but that is just me.  You have absolutely NO obligation to be polite to them when they are screaming at you. I also interrup them while they are being rude, treatening or screaming and star a completely diffeent conversation about something else.  The may still yell for awhile but I KNOW it annoys them too.  If you get REALLY desperate, you can always change your phone number, b ut you shouldn't have to.

Never hesitate to contact the FBI and/or possibly the Secret Service about this kind of issue. The collection agency is violating federal laws and one of these agencies is responsible for prosecuting this.  I was surprised to find that the Secret Service was responsible for prosecuting credit card fraud.  This was many years ago now, so I am not sure which one to call.  Both the FBI and SS have offices in Charlotte.  CALL THEM!  They are our tax dollars in action!  NEVER FEAR the federal agencies - or the state -  when you have a problem.  Go straight to the most obvious and if they don't have jurisdiction over the issue they may be able to tell you who does.  Good Luck!

missed the call

Their calls are not recorded.. Atleast when you call it doesnt say it is recorded. Unfortunately I gave them my social but did not make a deal with them. Next time I hear from them I will tell them to send me something showing proof of my debt. I do know that I have a debt with the company they say, but that was charged off a few years ago. If they cant send me transactions then I will tell them not to contact me again.. I have already disputed the account with j graham on my credit report. They keep calling and calling and calling.. I may have to get them for harrassment.

NEVER ALLOW ANY creditor, collection agency, etc. to intimidate you!  Turn the situation around and DEMAND WRITTEN PROOF that you owe the money, including the original amount and original creditor.  I would put a lot of money on the fact that they CANNOT provide that information to you.  Worst case scenario - they file a Complaint against you (sue you). If you are an NC resident, and if the debt is over three years old (you will need to check out the specifics regarding the law and the 3 yrs. in NC.  If you live in another state you will have to check your statutes) you have an "affirmative defense" which means when/IF they file a Complaint, you will have 30 days to respond.  RESPOND!  and DO NOT IGNORE certified letters.  Your response is Statute of limitations has run pursuant to N.C.G.S. §1-50 (or  possibly §1-49 or another section in that general area of the statutes depending on your situation).  If you live in another state, the response is the same ? affirmative defense that you MUST file with the Court -  but you will have to cite the correct statute and the number of years.

Caveat:  In NC, if you signed for a loan, or whatever debt under "(SEAL"), i.e. this appeared at the end of your signature line, the statute of  limitations is 10 yrs.  In the future, I would suggest if you ever sign anything again that has this "SEAL" at the end of the signature line, cross it out, add you initials next to it and then sign the paper.  You won't get away with this for mortgages and possibly cars, but you can try.  If the credit industry were reputable I would never suggest you cross out SEAL, etc., but it seems like we only have ourselves to protect us.

In my previous mail I gave the contact information.  I will give it to you again and hopefully more people will see it and understand.

Business Contact and Profile for J Graham & Associates
Name: J Graham & Associates
Phone: (704) 529-1224
Fax: (704) 529-0893
Address: 11020 David Taylor Dr Ste 310

Charlotte, NC 28262-1102
Original Business Start Date: January 1990
Principal: Mr. Gill Graham, President
Customer Contact: Mr. Gill Graham, President - (704) 529-1224
Employees: 20
Type of Business: Collection Agencies
BBB Accreditation: J Graham & Associates is not a BBB Accredited business.
Additional DBA Names: JTL Incorporated

Also found a location Park Road in Charlotte.

looking for judith morales. not me! take me off please. thx. i guess it's a collection agency.

I've received 3 calls on my answering machine telling me to call that number. The first 2 started in mid-message so I didn't know who was calling, only to call this number. Today I got the full message. It was from J. Graham & Assoc. and he said it was not a solicitation but a personal business matter and to call this number back. Thanks to Google and this website I see this is a common scam. I have no unpaid debt, past or present. I know this for a fact. They will NEVER get a call back from me. If it's so damn important, send me a letter!

call looking for my dad at my work. when asks how they got my personal number he said he didnt know. My dad do not work or leave here

If J Graham and Associates calls again, whatever you do, DO NOT give them your social security number or confirm the social security number they have listed.  Then tell them to send whatever information they have so you can see the debt yourself.  

You have 30 days to respond back to the letter they send you.  In that letter, ask them to validate the debt with copies of transactions and validate that they are the actual holders of the debt and that they are lawfully doing business in your state.  Also tell them to only contact you in writing and never by phone again and if they are not able to verify the information you ask for to make sure they remove whatever negative information they put on your credit report.  

Send this to them certified through the post office with a signature return receipt.  More than likely they'll never contact you again, and if they can't validate the debt themselves in court, they have no case.

It is called paragraphs.  It is much easier to read if you use them.

Called me last week.  Stated I owed them money on a pay day loan from 3+ years ago.  I have never received anything in the mail from this company.   I stated that I would not answer any questions regarding this issue until I received a formal letter from them in the mail.

1 week later, getting calls again, but still have not received anything from the company itself.  They are leaving messages on my work phone, but when I try to call them back, I am not able to get through.  

They have an F rating with the BBB and they sould like the typical collection agency.  May have to make a call to the Atty General of NC.

Back in Jan 2010 I was at lunch and I received an unknown call and it was Robert Brock telling me that he is heading my way the following day to serve me with some papers. He said that I am pretty out of his way and thought he would give me a heads up in case I wanted to take care of this so he didnt have to drive all the way here. He gave me the number of the company who was issuing the paperwork (JD Enterprise) adn to talk to Joe Willis. I was so frantic and not sure what I should do or who they are that I called them asking what this was in regards to. I spoke to guy named Brian James who was unimaginably rude. He said that I owe 1400 and in order to stop the carrier the next day I had to give him 800! I said this is the first that I am hearing about this and I have no idea what your talking about. He never said what it was for or when it was issued. He kept going how I am irresponsible and I am committing fraud and was going to go to jail and on and on for at least a good 20min. I finally broke down into tears asking him to send me documents of the invoice and he refused to. He finally said that it was for a pay day loan or something and that they deposited money into my account in 2007???? He bullied me and harassed me and broke me down until I gave him 400 bucks telling him I would give him the rest in a few days. After hanging up the phone with him, I started to do some research, thinking that I do not recall any pay day loans. Lucky for me I have online banking and looked through every month statements for any deposits made going back to 2006 and found nothing. Feeling sooo stupid that I cried like a baby because I was scared and not knowing what to do. I felt like a victim of a scam. I immediately called my bank and made a dispute for the 400.00. The bank did some research and FINALLY credited my 400.00 back. A few short days later I received a call at my office from a Mr.Ross yelling at me very angry because I refunded the money and if I wanted proof he will show me the proof in court. I finally spoke up and told him to F%&K off and not to contact me with out sending me proof. I told him that I would go to court if that's what he wishes to do but all I was asking for is a simple detailed information on the claim against me and if he would rather go to court then send me simple paperwork that I am entitled to then fine but he will not get anymore money out of me. A few days later  sent a very long detailed letter to JD asking for information and validation on the case and NOT to contact me by telephone and only by mail. I also mentioned that I am not refusing to pay but is asking for proof of the debt. I never received a response and he has not contacted me by phone or mail. I never saw any proof.
I receive voice mails at my office and on my cellphone asking me to give him a call (and again he was very rude). I have yet to return his call. I have sent 4 letters to that company so far and never do I get a response back in writing.

Does anyone have any advise on how to handle this?

Lloyd Worthy called asking for a relative that has our address.  He referenced a debt collection.

Identified federal law an privacy as to not giving out any information.  

Referenced J. Graham Associates but in research may be under a different name set using the same name.  May be known as Graham J Associates.

Address from one site indicates
4108 Park Road
Charlotee, North Carolina 28209

This could be an address as is listed the Better Business Bureau in North Carolina:  
http://www.bbb.org/charlotte/business-reviews ... lotte-nc-102655

The have a "F" rating.  

11020 David Taylor Dr., Suite 301
Charlotte, North Carolina 28626

Possible webstie for address:
http://www.collectionagencyservices.net/direc ... iates_5044.html

They requested call back from me called from 704-494-7120 number but requested for me to return call on 1-877-891-8080 so I jumped online to see who it was. Seems like they are not legit!

they called here several times with different names, TLC INC, JTL INC, ETC.  Today they said they were J. GRAM inc......They are a collection agency for US bank for accounts that are/were overdrawn 8 years ago!!!!  I've told them everytime not to call here again and they call everyday

Sent a recording first then a "MR. Green" Picked up.  I am on the do not call list and reported them.  Know who they are?

I expect this is a bogus company name?