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need to know if i can sue

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Hello, and thank you to all of those who have helped me on my previous threads. I really did appreciate the help everyone gave me. I managed to get my case dismissed, unfortunately it was w o prejudice.

But on a separate note i just got a notice that jbr(aka jdb attorney for corporations) performed a inquiry on my credit report. What i need to know is if i can sue them because i didn't give them permission to view anything.

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An attorney pull is generally a violation with a few caveats. If they have a collection operation as well as litigation it is going to come down to timing since they can easily claim it was during the actual collection of the debt and not related to litigation. If they are just a litigation firm, they have committed a violation.

In fact I have to wonder why someone has not gone after the CRAs in class action for even allowing an attorney to be able to pull, since the FTC has said attorneys never have grounds.

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This is for Arizona

See answers below in bold.

Thank you.

Have a great day.

Paula Calapez

Administrative Assistant II

Arizona Department of Financial Institutions

Licensing Division

2910 N. 44th Street, Suite 310

Phoenix, AZ 85018

More information about licensing and AzDFI can be obtained at Arizona Department of Financial Institutions


CONFIDENTIALITY NOTICE: This e-mail (including any attachments) may contain information that is privileged, confidential, or otherwise exempt from disclosure under applicable federal or state law. It is solely for use by intended recipients. Unauthorized interception, review, use, copy or disclosure is prohibited and may violate applicable laws including the Electronic Communications Privacy Act. If the reader of this message is not the intended recipient, or if it appears you may have received this email in error, please advise me by reply email and immediately delete the message and any attachments from your system.

From: Beergoggles

Sent: Saturday, February 04, 2012 4:00 PM

To: Licensing AZDFI

Subject: Collection Agencies?

Hello a quick question for you. Are collection agencies required to be licensed in Arizona? [Paula Calapez] Yes.

If yes: Company "A" is collecting without a license in AZ, but their "Parent" company "B" has a license in AZ, is that the same thing as company "A" having the license[Paula Calapez] No.

even though they are different names/companies?[Paula Calapez] Company A should also be licensed.

Thank You


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  • 3 weeks later...

Hey Finz -

Is it possible to get into contact with me. Im in the preliminary stages with my case with Midland.

-They sent me a summons

-I responded

-We had a mediation session

-This past Friday their attorney sent me a discovery packet (admissions, requests, etc)

I know from your post you had your case dismissed. Just looking for tips on how to be this case. Thanks so much.

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