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Consumer

Pile Made of Repetitions of Word DEBT

One of the first things a debtor must know before paying a debt is who the former and current owners are. Without that information, the debtor can’t be sure if the debt is valid or not. The complaint for this class action claims that the debt collection letter sent by AWA Collections to plaintiff Ashley Porter violated the Fair Debt Collection Practices Act by failing in this most basic of necessities. 

Human Figure Carrying Debt

NAR, Inc. didn’t even spell the name of the debtor correctly, the complaint for this class action alleges. Still, that isn’t the main point. According to the complaint, in its collection letter, NAR falsely represented that interest, fees, and costs were still accruing, thereby pressuring debtors to pay the debts as soon as possible. This, the complaint says, is a violation of the Fair Debt Collection Practices Act (FDCPA).

Ball and Chain

After a period of time, debts can become time-barred. That is, the creditor can no longer sue to collect on them once the statute of limitations expires. However, the complaint for this class action says that Dynamic Recovery Solutions violated the Fair Debt Collection Practices Act (FDCPA) by not informing debtors that any payment on such a “stale” debt can restart the statute of limitations, putting the debtor in a worse position. 

House with Foreclosure Sign

Did New Century sell a mortgage it did not in fact own? The complaint for this class action rests primarily on that allegation plus claims that amounts charged in connection with a subsequent foreclosure were excessive and improper. 

FDCPA Seal

If a debt collector leads a debtor to believe that payment now is advantageous, even if it isn’t, particularly, is that deceptive? The complaint for this class action alleges that it is, and that it is also a violation of the Fair Debt Collection Practices Act (FDCPA). 

Debt Papers with "Final Notice" in Red

If a debt letter states that there is an “original creditor,” does the suggest that there is also a “current creditor”? And does a request to call “upon receipt” of a debt collection letter overshadow the consumer’s 30-day period of validation rights? The complaint for this class action believes so, and therefore claims that debt collection letters sent out by Pollack & Rosen, PA violate the Fair Debt Collection Practices Act (FDCPA). 

Person Buried Under Letters D-E-B-T

Are debtors more likely to obtain credit from the same creditor if they pay a past-due debt in full rather than settle for a smaller amount? The complaint for this class action claims that this is a false claim and that FirstSource Advantage violated the Fair Debt Collection Practices Act (FDCPA) by including it in its debt collection letter. 

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