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Consumer

Figure Carrying Letters D-E-B-T on Its Back

The Fair Debt Collection Practices Act (FDCPA) contends that consumers cannot make the best decisions about how to handle debts unless they receive clear, truthful, and unambiguous information. The complaint for this class action alleges that an attorney did not provide accurate or truthful information about the amount of a debt he was attempting to collect by not informing the debtor that the amount of the debt was increasing daily.

Debt Papers with "Final Notice" in Red

One of the most important provisions of the Fair Debt Collection Practices Act (FDCPA) is that collections agencies must inform consumers of the amount of their debt, without ambiguity or deception. The complaint for this class action claims that a letter from Global Credit & Collection Corporation fails to do this in citing a “Current Balance” without making clear whether that balance might or might not change.

Ball and Chain Marked "DEBT"

Plaintiff Chelsea Leonard received a debt collection letter with a serious, threatening tone: “All reasonable efforts to resolve your seriously delinquent account have been exhausted. This is our final notification... Arrangements must be made immediately to avoid credit bureau reporting to the three major credit reporting agencies for up to seven years.” The complaint for this class action claims that this letter is a violation of the Fair Debt Collection Practices Act (FDCPA), in threatening negative action it cannot legally take.

Omni Resorts La Costa Resort & Spa

What exactly is a “resort fee” that a consumer finds added on to the price of a room at certain hotels? According to the complaint for this class action, it’s not a valid fee but a form of “drip pricing” that allows hotels to advertise artificially low prices fools consumers into thinking they’re paying less than they are.

Maxi-Matic Elite Pressure Cooker

The photographs of burn injuries included in the complaint for this class action are horrific. According to the complaint, plaintiff Geniva O’Keefe suffered them because a defect in her Maxi-Matic Elite Bistro pressure cooker allowed her to remove the lid before the pressure had been released. 

One Hand Paying Another

In trying to collect a consumer debt, the complaint for this class action alleges, Affiliate Asset Solutions violated the Telephone Consumer Protection Act (TCPA), the Fair Debt Collection Practices Act (FDCPA), and the Texas Debt Collection Act (TDCA). Essentially, Affiliate repeatedly called a third party’s cell phone without permission and spoke to him about another party’s debt. 

West Creek Financial "No Credit Needed" Sign

Plaintiff Rawle Daisley believed he was entering into an agreement to pay $1,500 for a laptop and stereo speakers, free of finance charges as long as he paid the amount within ninety days. However, the complaint for this class action says he found he was being charged $2,700, with money being subtracted from his bank account every two weeks without his permission.

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