Protecting Consumers from Unlawful Practices

SCJ Commercial Financial Services Violations and Victim Advocacy Goup

SCJ Commercial Financial Services has a reputation for violating the protected rights of US citizens. Our Consumer Advocacy Group will help the victims of SCJ Commercial Financial Services to file the appropriate claims with the appropriate government agency’s to stop the illegal harassment and privacy violations.

Victims who submit their information through this site, may also be invited to a developing Class-Action Lawsuit.

Common Violations

SCJ Inc has reportedly consistently violated the TCPA Act (Telephone Consumer Protection Act)

Cold texting any contact without their prior consent or business relationship is illegal.
If SCJ Inc sent text messages to your friends and family, have them send you screenshots of the message and submit them with our form. Each violation is a minimum fine of $500 per text.

Fair Credit Reporting Act

Commonly reported SCJ Inc Violations:

Privacy violations: Sharing information with third parties for improper reasons
Harassment: Using abusive or threatening language, or constantly calling a debtor
Continuing collection: Continuing to collect after a consumer has filed for bankruptcy

Submit violations directly: https://www.consumerfinance.gov/complaint/

The SCJ Commercial Financial Services Violations & Victim Advocacy Group is dedicated to helping individuals who have experienced unfair or unlawful practices by SCJ Inc. Our mission is to assist victims in filing complaints with the appropriate government agencies, stopping illegal harassment, and exploring potential legal actions, including class-action lawsuits.

If you have been affected by SCJ Commercial Financial Services, you may be eligible to take action. We help victims understand their rights and ensure that any violations of consumer protection laws are reported and addressed.

Common Violations by SCJ Commercial Financial Services

Based on reports from consumers, SCJ Commercial Financial Services has been associated with several violations of U.S. consumer protection laws, including:

1. Violations of the Telephone Consumer Protection Act (TCPA)

The TCPA regulates telemarketing calls, auto-dialed calls, prerecorded calls, text messages, and unsolicited faxes. SCJ Inc has reportedly violated this act by:

Sending unsolicited text messages without prior consent
Cold-texting individuals with no prior business relationship
Contacting third parties, such as friends and family, without authorization

If you or someone you know has received unwanted messages from SCJ Commercial Financial Services, you may be entitled to compensation. The law allows a fine of $500 per violation, increasing to $1,500 per violation for willful misconduct.

What You Can Do:
✅ Save all text messages as evidence
✅ Take screenshots of unsolicited messages
✅ Submit them using our reporting form

2. Fair Credit Reporting Act (FCRA) Violations

The FCRA protects consumers from unfair credit reporting practices. SCJ Inc has been accused of:

Privacy violations – Sharing consumer information with third parties without authorization
Harassment – Repeated and aggressive collection efforts, including excessive phone calls and abusive language
Continuing collection efforts after bankruptcy – Creditors and collection agencies must cease collection after a consumer has filed for bankruptcy, yet SCJ Inc has allegedly continued collection attempts despite legal protections

If you suspect your rights under the FCRA have been violated, you may be entitled to legal recourse.

How to File a Complaint

Victims of SCJ Commercial Financial Services can take action by filing complaints with the appropriate regulatory agencies:

Federal Agencies:

Consumer Financial Protection Bureau (CFPB) – File a complaint here: consumerfinance.gov/complaint
Federal Trade Commission (FTC) – Report fraudulent or deceptive financial practices: reportfraud.ftc.gov
Federal Communications Commission (FCC) – Report violations of the TCPA: fcc.gov/complaints

State-Level Complaints:

Each U.S. state has its own consumer protection office where complaints can be filed. Contact your state’s Attorney General’s office to report harassment or privacy violations.

Potential Class-Action Lawsuit

Our consumer advocacy group is actively gathering evidence from individuals who have experienced unlawful conduct by SCJ Commercial Financial Services. If you submit your information through our site, you may be invited to participate in a developing class-action lawsuit aimed at holding SCJ Inc accountable for its actions.

✅ Submit your case – If you have received harassing calls, texts, or have experienced other violations, submit your details today.
✅ Strength in numbers – The more victims come forward, the stronger our case becomes.

Take action now by sharing your story and ensuring SCJ Inc is held accountable for its actions.

Need Help? Contact Us

If you need further assistance or want to learn more about your rights, our team is here to help. Fill out our secure form and one of our advocates will reach out to guide you through the process.

🛑 Don’t let SCJ Inc continue violating consumer rights—stand up and take action today!

SCJ Financial Services: Company Overview and Trade Practices

Understanding SCJ Financial Services and Its Business Practices

Who is SCJ Financial Services?

SCJ Financial Services operates as a DBA (Doing Business As) of Red Target LLC, a company involved in commercial financing, lending, and debt collection services. SCJ Financial Services offers business loans, merchant cash advances, and debt recovery services.

While the company presents itself as a legitimate financial institution, consumer reports indicate that SCJ Financial Services has engaged in questionable trade practices, aggressive collection efforts, and potential violations of consumer protection laws.

Our Consumer Advocacy Group is dedicated to educating consumers and businesses about their rights and assisting victims in filing appropriate complaints against unfair business practices.

Company Structure and Leadership

SCJ Financial Services operates under the umbrella of Red Target LLC and is managed by the following individuals:

Management Team:

🔹 Mike Hammon – President
📞 302-535-3846 | ✉️ [email protected]

🔹 Scott Ogden – Executive Vice President
📞 302-632-0978 | ✉️ [email protected]

🔹 Kirsten Hawkins – Director of Sales & Marketing
📞 302-922-2206 | ✉️ [email protected]

SCJ Financial Services: Unethical and Potentially Illegal Business Practices

SCJ Financial Services, operating under Red Target LLC, has been the subject of numerous consumer complaints, legal scrutiny, and allegations of unethical financial practices. Reports from consumers and businesses suggest that SCJ Financial Services has engaged in aggressive, deceptive, and potentially illegal activities in areas such as debt collection, lending, telemarketing, and data privacy violations.

Our Consumer Advocacy Group is dedicated to helping victims understand their rights, report violations, and take legal action against SCJ Financial Services.

1. Deceptive Lending Practices

SCJ Financial Services provides merchant cash advances, small business loans, and other financing options, but many borrowers report misleading terms and aggressive repayment demands.

Common Complaints:

🚩 Predatory Lending Terms – SCJ reportedly charges excessive interest rates and fees that are not clearly disclosed upfront.
🚩 Misrepresentation of Loan Terms – Borrowers claim SCJ misrepresented repayment structures, interest rates, and penalties.
🚩 Aggressive Collection on Business Loans – Some reports suggest SCJ withdraws unauthorized payments from business accounts, leaving business owners financially strained.
🚩 Confusing Contract Language – Many borrowers report difficulty in understanding loan contracts, raising concerns about intentional obfuscation of terms.

Potential Violations:

Truth in Lending Act (TILA) – Requires clear disclosure of loan terms.
Unfair or Deceptive Acts and Practices (UDAP) Laws – Prohibits misleading business practices.

📌 If you were misled into signing a loan agreement with SCJ Financial Services, you may have grounds to dispute the contract and seek legal action.

2. Aggressive and Unlawful Debt Collection Practices

SCJ Financial Services is also actively involved in debt collection, and multiple complaints suggest that they use aggressive and potentially illegal tactics.

Common Debt Collection Violations:

🚩 Harassment and Repeated Calls – Consumers report excessive and persistent calls from SCJ debt collectors, often multiple times a day.
🚩 Threatening Language & Intimidation – Some individuals claim SCJ representatives have used abusive or coercive language, potentially violating federal laws.
🚩 Attempting to Collect Debt After Bankruptcy – It is illegal for a company to continue collection efforts on a debt that has been discharged in bankruptcy, yet SCJ Financial Services has allegedly continued to harass consumers after bankruptcy filings.
🚩 Failing to Validate Debt – Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must provide written proof of a debt upon request. Many consumers report that SCJ has failed to verify debts but continues collection efforts.

Potential Violations:

Fair Debt Collection Practices Act (FDCPA) – Prohibits abusive and deceptive collection practices.
Consumer Financial Protection Bureau (CFPB) Regulations – Protect consumers from predatory financial behavior.

📌 If you have experienced harassment from SCJ debt collectors, you can file a complaint and seek legal remedies for violations.

3. Violations of the Telephone Consumer Protection Act (TCPA)

SCJ Financial Services has also been reported for illegal telemarketing and debt collection calls, violating federal laws protecting consumers from unwanted communications.

Common TCPA Violations by SCJ Financial Services:

🚩 Unsolicited Robocalls and Spam Texts – SCJ has been accused of sending cold texts and automated robocalls to individuals who never gave consent.
🚩 Messaging Friends and Family Members – Some consumers report SCJ has contacted their family and friends, a violation of privacy laws.
🚩 Ignoring “Do Not Call” Requests – Even after individuals opt out, SCJ has reportedly continued to send messages and make calls.
🚩 Using Auto-Dialing Systems – Many consumers suspect SCJ uses automated dialing technology for mass texting and calling, which is illegal under the TCPA if prior consent is not obtained.

Legal Consequences:

Each unauthorized call or text can result in a fine of $500 – $1,500 per violation under the TCPA.

📌 If SCJ has contacted you without your consent, keep records of calls and texts and file a complaint.

4. Sharing Personal and Financial Data Without Consent

SCJ Financial Services, through Red Target LLC, may be involved in sharing or selling personal financial data without proper consumer consent.

Privacy Concerns:

🚩 Selling Consumer Data to Third Parties – Some reports suggest SCJ shares financial and contact information with marketing firms or collection agencies.
🚩 Improper Credit Reporting – SCJ has allegedly furnished inaccurate information to credit bureaus, affecting consumers’ credit scores.
🚩 Failure to Secure Personal Information – Data security is a major concern, and SCJ’s practices may put consumer information at risk.

Potential Violations:

Fair Credit Reporting Act (FCRA) – Regulates the sharing and accuracy of credit information.
Gramm-Leach-Bliley Act (GLBA) – Requires financial institutions to protect consumer data.

📌 If SCJ Financial Services shared or misused your data, you can dispute credit report errors and file complaints with the CFPB and FTC.

SCJ Financial Services’ Trade Practices

SCJ Financial Services is engaged in multiple financial activities, some of which have raised concerns from consumers and regulatory agencies.

1. Business Lending & Merchant Cash Advances

SCJ Financial Services provides merchant cash advances and business loans, often targeting small businesses in need of quick capital. However, business owners have reported concerns regarding:

High-interest rates and hidden fees
Aggressive repayment demands
Misrepresentation of loan terms

Warning for Businesses:
📌 Always review contracts carefully before signing any financing agreement.
📌 Verify interest rates, repayment terms, and penalties before accepting funding.

2. Debt Collection and Consumer Complaints

SCJ Financial Services also operates debt collection and recovery services, which have led to numerous consumer complaints, including:

Harassment through repeated calls and messages
Use of aggressive or threatening language
Continued collection after a consumer has filed for bankruptcy

These practices may violate the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

🔹 If you have experienced harassment, document all interactions and file a complaint.

3. Potential Violations of Consumer Protection Laws

SCJ Financial Services and its parent company, Red Target LLC, may be subject to regulatory oversight due to alleged violations of the following laws:

⚖️ The Telephone Consumer Protection Act (TCPA)

🚫 Cold texting or messaging individuals without consent
🚫 Contacting friends and family members without authorization
🚫 Using automated systems to send mass texts or calls

📌 Consumers who receive unsolicited messages from SCJ Inc may be entitled to compensation. Each violation can result in a fine of $500 – $1,500 per message.

⚖️ The Fair Credit Reporting Act (FCRA)

🚫 Sharing personal financial data with unauthorized third parties
🚫 Inaccurate credit reporting or failure to correct errors
🚫 Refusing to validate debt upon consumer request

📌 If you suspect your credit data was misused, request a copy of your credit report and dispute unauthorized entries.

⚖️ The Fair Debt Collection Practices Act (FDCPA)

🚫 Repeated, harassing calls or threats
🚫 Misrepresenting debt amounts or legal actions
🚫 Attempting to collect after bankruptcy filing

📌 Consumers should keep records of any harassment and report illegal collection tactics.

How to Take Action Against SCJ Financial Services

If you have been affected by SCJ Financial Services’ trade practices, you can take legal action and report violations to the appropriate authorities.

🚨 File a Complaint with Federal and State Agencies

📌 Consumer Financial Protection Bureau (CFPB) – Submit complaints about lending or debt collection:
🔗 consumerfinance.gov/complaint

📌 Federal Trade Commission (FTC) – Report deceptive financial practices:
🔗 reportfraud.ftc.gov

📌 Federal Communications Commission (FCC) – File TCPA violations (unwanted calls/texts):
🔗 fcc.gov/complaints

📌 State Attorney General’s Office – Each state has a consumer protection agency that investigates financial misconduct and illegal debt collection practices. Contact your state Attorney General to file a complaint.

Potential Class-Action Lawsuit

🚨 Our Consumer Advocacy Group is collecting evidence for a developing class-action lawsuit against SCJ Financial Services. If you have been affected by unlawful debt collection, unfair lending practices, or unsolicited communication, you may be eligible to join a lawsuit to hold SCJ Inc accountable.

✅ Submit your information today – Victims may be entitled to compensation.
✅ Help stop deceptive practices by participating in legal action.

📌 To check your eligibility, submit your case through our secure form.

Know Your Rights and Protect Yourself

SCJ Financial Services, operating under Red Target LLC, has been the subject of numerous consumer complaints. It is essential to understand your rights when dealing with lenders, collectors, or financial service providers.

📌 If you suspect illegal practices, take immediate action:
✅ Document all interactions – Save text messages, emails, and call logs.
✅ Report violations to government agencies – Protect yourself and others.
✅ Seek legal advice – Consumer protection lawyers can help you recover damages.

🚨 Don’t let SCJ Financial Services violate your rights—stand up and take action today!