JHPDE Finance I, LLC is a debt buyer based out of Hazelwood, Missouri. Their business mode involves purchasing old or charged-off debts for pennies on the dollar and files debt collection lawsuits against consumers in Georgia.

Who Is Paradigm Assets, LLC?

JHPDE Finance I, LLC and Paradigm Assets Recovery LLC are subsidiary entities owned by Paradigm Assets, LLC.  After accounts are purchased by one of Paradigm Assets LLC’s subsidiaries, they are placed with outside collection agencies and law firms who contact consumers to reach account resolution. Since 2018, JHPDE Finance has filed around 600 lawsuits against Georgia consumers, many of whom are surprised by the sudden action.

Their listed address is:

If you’ve received a lawsuit or court summons from JHPDE Finance I, LLC, it usually means they believe you owe a debt they’ve purchased.

These debts can include:

• Credit Cards
• Personal Loans
• Medical or utility debts

The original creditor charged off the account and sold it to a third party like JHPDE. That means JHPDE is not the original lender. Instead, they bought your account and are now trying to collect.

Unfortunately, many consumers report that these lawsuits arrive without warning or sufficient documentation.

Being sued by a debt collector can overwhelming, but ignoring it will only make things worse.

If you’ve been served with a lawsuit in Georgia, here are your first steps:

• c18f59 In Georgia, you typically have 30 days to file an answer in court. Fair Debt Collection Practices Act (FDCPA)
• Read the lawsuit carefully. Look for information about the debt, including who the original creditor was and how much is being claimed.
• Gather your records. Look through past statements or credit reports to verify the debt.
• Contact a consumer protection attorney. You may have strong legal defenses.

The good news? You have rights. Just because a company files a lawsuit doesn’t mean they can prove it, or that they even own the debt legally.

When you’re up against a company like JHPDE Finance I, LLC, it is essential to work with a legal team that understands Georgia debt defense. We recommend reaching out to Sandt Law LLC, an experienced and trusted consumer law firm in Georgia.

They can help you:

• Review the lawsuit
• Respond to the court on time
• Demand proof of debt ownership
• Challenge improper filings or incomplete evidence

Having a knowledgeable advocate in your corner could mean the difference between a judgment and a dismissal.

Judgment:

A formal decision by a court resolving the issues in a case, determining the rights and responsibilities of the parties involved.

Dismissal:

An order from the court ending a lawsuit without deciding the merits of the claims. 

Like many debt buyers, JHPDE has received numerous complaints from consumers on platforms such as:

• Better Business Bureau (BBB)

• Consumer Financial Protection Bureau (CFPB)

A total of 3 complaints in the last 3 years. Common issues reported include:

• Receiving lawsuits without prior communication | Communication Issues
• Lack of proof regarding debt ownership
• Aggressive legal action and collection tactics

You can view complaint histories and ratings online:

• BBB profile

• CFPB Complaint Database

Sandt Law LLC is a law firm protecting people in Georgia who are facing a debt collection lawsuit or are experiencing harassing or unfair debt collection actions. Sandt Law LLC is an experienced debt collection defense law firm and has handled hundreds of debt collection cases throughout Georgia. Typical cases include debt buyer lawsuits such as LVNV Funding, Midland Credit Management, Velocity Investments, Cavalry SPV and many more. Sandt Law LLC also helps people resolve debt collection lawsuits filed by American Express, Chase Bank, Discover, Citibank, and other lenders. Sandt Law LLC has also filed numerous lawsuits against debt collectors in Federal court. Free case evaluations are available by telephone.