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Central Financial Control Disputed Debt and Improper Contact FDCPA Florida Class Action

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Defendant Syndicated Office Systems LLC does business under the name Central Financial Control, and the complaint for this class action says it was under this name that it sent debt collection letters to plaintiff Evangelia Angelakopoulos. But according to the complaint, Angelakopoulos told the company the debt was in dispute and directed it to call her attorney. When the company contacted her again, the complaint alleges, it was a violated of the Fair Debt Collection Practices Act (FDCPA) as well as the Florida Consumer Collection Practices Act (FCCPA).

Two classes have been proposed for this action.

  • The Dispute Class includes all Florida residents whom the defendant continued to contact after the consumers notified it in writing of a refusal to pay the debt or a desire to stop communication with it, between September 29, 2016 and September 29, 2017.
  • The Improper Contact Class includes all Florida residents whom the defendant continued to contact after the consumers notified it in writing that they were represented by an attorney, between September 29, 2016 and September 29, 2017.

According to the complaint, it happened like this: On May 30, 2017, the company sent Angelakopoulos a letter attempting to collect a debt it alleged she owed to Palm Beach Gardens Medical Center. However, Angelakopoulos claims that the debt is not hers and that she did not owe it. On July 5, 2017, her attorney wrote faxes to the company explaining that he represented Angelakopoulos, that she disputed the debt, and that the company should contact him rather than Angelakopoulos from now on.

On August 8, the company sent the attorney a letter that the complaint said acknowledged the receipt of his letter, claimed the company was investigating the dispute, and asking that HIPAA forms be submitted to release more information. However, the complaint says, on the following day, the company sent another collection letter to Angelakopoulos, again attempting to collect the debt.

According to the complaint, sending this second letter to Angelakopoulos violated the FDCPA as well as the FCCPA, in that the company had already been told that the amount was in dispute and that Angelakopoulos was being represented by an attorney. The company had no further permission or authorization to call her, the complaint alleges, and was to have directed all further communications to the attorney.

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