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Welcome to the J & M Advocacy Group’s TCPA / FDCPA Consumer Advocacy Program!

This program is designed to stop creditors from harassing you. This program uses the TCPA (Telephone Consumer Protection act) and the FDCPA (Fair Debt Collection Practice act) to protect your rights. Creditors are not permitted to contact you on your cell phone without prior consent.

The 1st thing the J&M Advocacy Group does, is sent out on your behalf, Revoke Consent letters to your creditors. The revoke consent letter notifies the creditor that they no longer have your consent to contact you on your cell phone and an attorney represents you. When you revoke your consent to call you, by law, the creditors are no longer able to contact you on your cell phone; this means no phone calls, no collection calls and no text messages. This letter should STOP the harassing communications from your creditors, and if it DOES NOT STOP, the creditors are violating your rights and now you have claims against them. Settlement amounts for claims depend on the number of calls dialed or texts sent. In accordance with the TCPA, consumers are entitled to collect damages ranging from $500 to $1,500 for each unlawful call, fax, or text message.

Once you have been enrolled into our Consumer Advocacy program, which does not cost you anything $0.00 throughout the entire program, you will receive a number of emails directing you to:

  1. 1. Create your portal password.
  2. 2. Complete Section A: the Personal Information section.
  3. 3. Scroll down to Section C: the Creditor Information section and fill out this section for each creditor you wish to have the law firm send out a Revoke Consent Letter on your behalf to.
  4. 4. Section B, Conversation Log: this section is where you would log all violations from the creditors. It is very important to document in your log, all of the calls you are receiving from the creditors. At the end of the day, log into your portal and input into the Portal Log all creditor calls. (See below under the TCPA and FDCPA section for detailed list of violations.)
  1. 5. Scroll down to the bottom of the page to Section E: ESignature section,review the Engagement Agreement which goes over what the J & M Advocacy Group will be doing for you, review the Revoke Consent letters which will be sent by the J & M Advocacy Group to the creditors in your Creditor Information section and esign your Engagement Letter and the Revoke Consent letters. 

J&M Advocacy Group

Attorneys at law

With more than 40 years of combined experience, the attorneys at J&M Advocacy Group are experienced in litigation and transactional matters, in both in State and Federal Court. Drawing upon a wide array of education and experience, the firm is dedicated to serving our clients best interest above all else. Our mission is simple: provide excellent results with exceptional client service for each and every client we serve.

Mark D. Cohen, Esquire                 Jessica Kerr, Esquire

Telephone Consumer Protection Act (TCPA)

The Telephone Consumer Protection Act of 1991 (TCPA) became federal law in 1991. The TCPA governs the conduct of telemarketers and often debt collectors. The TCPA restricts the use of automatic telephone dialing systems (also known as “auto-dialers” or “predictive dialers”), artificial or prerecorded voice messages, SMS text messages, as well as the use of fax machines to send unsolicited advertisements. A consumer is unlikely to know whether a call to his or her cellular telephone was initiated using an auto dialer – they often will sound like any other phone call. A call initiated using an auto dialer may in fact have a live person on the other end. However, keep this in mind: in order for a debt collector or telemarketer to maintain a volume operation, they must make thousands of telephone calls each day – so, if you are getting calls from a debt collector or telemarketer on your cellular telephone, there is a very good chance that they are violating the TCPA. In accordance with the TCPA, consumers are entitled to collect damages ranging from $500 to $1,500 for each unlawful call, fax, or text message.

Examples of common TCPA violations include:

  • • Unless a consumer has previously given express consent, it is generally a violation of the TCPA for a business to engage in any of the following conduct:
  • • Debt collector and/or telemarketing calls made to your cellular telephone, which were initiated by the use of an auto dialer.
  • • Debt collector and/or telemarketing calls made to your cellular telephone, which were initiated by an artificial voice or a prerecorded message.
  • • Sending unwanted fax messages, which solicit or promote a business (i.e. junk faxes).
  • • Sending unwanted business advertisements via text messages to your cellular telephone.

Fair Debt Collection Practices Act (FDCPA)

It is no secret debt collectors sometimes resort to persistent and overly aggressive tactics when attempting to collect outstanding debts. To curb abusive debt collection practices, the federal government passed the Fair Debt Collection Practices Act (FDCPA) in 1978. The FDCPA prohibits debt collectors from using certain methods to collect outstanding debts. In fact, under this law the debt collector may actually have to pay $1,000.00 dollars or more for violating your rights!


Examples of illegal debt collection tactics include:

  • • Calling too early in the morning before or too late at night
  • • Telephone calls made from an auto-dialer
  • • Using profane language when attempting to collect
  • • Threatening you in any manner
  • • Not revealing their identity
  • • Suing on a time-barred debt
  • • Misrepresenting the debt in any way
  • • Contacting you when represented by an attorney
  • • Contacting third parties regarding your debt

Setting up your account

Watch this video on how to create your account, what do first, and what to do next!

How to add a new creditor

This video will walk you through adding a new creditor to your account. 

How to log a call / text message

This video will guide you through adding a new call/text log into your portal.

How to reset your portal password

Resetting your portal password is very simple. Watch the video to the right on how. 

General Advice Consumers Must Know To Protect Their Rights Under The Telephone Consumer Protection Act (TCPA)

  1. 1. The TCPA protects consumers from receiving auto-dialed or pre-recorded messages on their cell phone unless the consumer has provided their prior express consent (it also covers text message spam).
  2. 2. The most common violators of the TCPA are debt collectors, banks and telemarketers.
  3. 3. If you have previously provided your cell phone to a creditor or debt collector and are receiving calls on your cell phone, you can always revoke any prior consent to receiving calls (it is best to do so via certified mail).
  4. 4. Always save your voicemails and have them reviewed by a consumer attorney for potential violations of the TCPA (and other federal laws).
  5. 5. Just because you hear a “live” voice is at the other end of the cellphone, the call still may have been made with an auto-dialer.
  6. 6. If you are beginning to receive pre-recorded calls or calls made from an auto-dialer, start keeping a written log of the calls and request/save your records from your cell phone provider.
  7. 7. If you are receiving calls on your cell phone for someone else’s debt, you may very likely have a claim under the TCPA (note: this also includes calls from banks or debt collectors looking for a friend or family member).