Should I Pay JC International Acquisition LLC Debt Collection?

Receiving a letter from JC International Acquisition LLC may leave you worried and uncertain about what to do next.

Don’t worry; you’ve come to the right place. Every month, over 12,000 people visit our site looking for guidance on matters related to debt, just like this one.

In this article, we’ll cover:

•  Understanding who JC International Acquisition LLC is
•  Figuring out if you need to pay them
•  Learning how to lower your repayments, if possible
•  Knowing your legal rights when dealing with debt collectors
•  Steps to stop debt collectors from contacting you

Dealing with debt collectors can be tough, and we understand this. Our team has been in similar situations and has successfully navigated through them.

We are here to help you understand and manage this situation better. Let’s get started.

Do you have to pay JC International Acquisition LLC?

You might not have to pay JC International Acquisition LLC.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who Is JC International Acquisition LLC?

JC International Acquisition LLC is one of the very many debt collection companies that operate in the UK. The business was established in the USA in 2002 and they buy debts from other companies!

In the UK, JC International trades under the name Creditlink Account Recovery Solutions or CARS for short. They buy debts from utility providers, telecommunication companies and other debt collection agencies!

If you visit their websites, you’re met with smiling faces which can be disconcerting considering they’re debt collectors!

Naturally, JC International like some other debt collection agencies buys debts for a fraction of their actual value. Hence, their profit margins are huge!

Is JC International Acquisition a legitimate business?

Yes. JC International (CARS) is a legitimate debt recovery business that’s regulated by the Financial Conduct Authority (FCA). They are also members of the Credit Services Association (CSA) which means they must follow a Code of Practice.

Check out what happened to one person who had dealings with JJC International.

Source: Moneysavingexpert

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

Get Started

Why would you have a JC International Account?

You may be surprised to learn you have a JC International Account. It’s created when they purchase a debt you allegedly owe! It includes details of the debt and the outstanding amount.

However, you should ask them to prove the debt is yours before you admit, sign or pay any money to JC International. You have the right to ask for written/authenticated proof you owe the money!

Moreover, debt collection agencies must respect this request!

Is the debt yours?

As mentioned, ask JC International to prove the debt is yours when you first get a letter from them. However, you should also check the age of the debt. Why? Because if it’s at least 6 years old, the debt could be statute barred.

If so, you won’t have to ask JC International to prove you owe the money because a debt that’s statute barred is unenforceable.

It’s passed the limitation period so you won’t get a CCJ for not paying either!

However, there are criteria to meet for a debt to be statute barred which are:

• You haven’t admitted owing the money in the last six years
• You didn’t pay anything to pay off the debt in the last six years
• There isn’t a CCJ levied against you over the debt

What can JC International legally do?

Debt collection businesses are heavily regulated in the UK. It means there are things they can legally do and things are unlawful!

Here’s what a debt collector can legally do:

• Contact you over an alleged debt whether by phone, mail or in person
• Discuss an alleged debt with you discreetly and politely
• Ask you to pay them directly

Here’s what debt collectors cannot legally do:

• Harass or threaten you
• Discuss an alleged debt with your friends, family, neighbours or employer which is a breach of the UK’s privacy laws
• Visit you at your place of work
• Use legal jargon to confuse you
• Urge you to take out another loan to pay the alleged debt
• Clamp your vehicle or seize your possessions
• Use official-looking documents when they are not
• Pretend they have the same powers as bailiffs (court-appointed enforcement officers) which is unlawful

Debt collectors must allow you the time to consider your options and seek advice from a debt expert!

How do I stop debt collectors from contacting me?

You have the right to ask a debt collector to stop contacting you incessantly. Do so in writing and send the letter by registered post. Ask them to only phone you at certain times of the day. Or maybe you’d prefer to be contacted in writing. Harassment is a criminal offence.

Can you ignore a letter from JC International (CARS)?

No. Respond to their mail even when you know the information is wrong and you don’t owe any money. Ignoring a debt collection letter could mean the following:

• Not finding out the debt is not yours or that its statute barred
• Not being offered a repayment plan you can afford that won’t impact your well-being
• Not having some of the money wiped off the debt

Also, when you ignore correspondence from a debt collector, they don’t go away. They’re incredibly persistent, especially when they’re chasing you for a debt they bought!

Will JC International (CARS) take you to court?

Yes. If you don’t respond to their letters, JC International (CARS) could start legal proceedings against you. They could win the case in a small claims court and you could end up with a CCJ. It’ll ruin your credit rating!

Moreover, you may then have to deal with enforcement officers (bailiffs) who could visit your home. They have the power to seize your possessions if an order to pay has been issued against you!

How do you contact JC International Acquisition LLC?

I’ve included the contact details for JC International Acquisition here:

What debt advice is there?

You should contact one of the debt charities if you’re concerned about debt or the way you’re being treated by a debt collector. The advice provided is free and impartial, it could be invaluable when you don’t know what to do.

Here are three of the major debt charities in the UK:

• StepChange
• Citizens Advice
• National Debtline

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Lastly, should I pay JC International Acquisition LLC debt collection?

No. Not straight away. First, check if the debt is statute-barred. If it is, you won’t have to pay and JC International can’t make you. You won’t get a CCJ registered against you either!

If the debt is current, ask JC International to prove you owe the money. If they can’t provide you with authenticated proof that you owe the money, tell them to go away! If they don’t, file a complaint with their head office.

Then file a complaint with the Financial Ombudsman Service (FOS).

If, however, you owe the money and JJC can prove it, get some advice from a debt charity before admitting, signing or paying anything to them. Then try to negotiate a fair repayment plan that you can afford!

Thanks for reading my post. I hope I’ve provided food for thought and answered the question, should I pay JC International Acquisition LLC debt collection?