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FDCPA

Bill with "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to prevent abusive or misleading practices by third-party debt collectors who collect debts from consumers. The complaint for this class action says that Dynamic Recovery Solutions, LLC does not provide adequate information about disputing debts in its collection letters and even discourages consumers from disputing the debts.

Gavel on Desk

The Fair Debt Collection Practices Act (FDCPA) requires that certain information must be conveyed to consumers up front during attempts at collection. This information must not just be stated; it must be stated clearly, so that consumers are not confused, and sometimes conspicuously, so that consumers do not miss important information. This complaint alleges that Enhanced Recovery Company, LLC did not make its validation notice either clear or conspicuous.

Letters "DEBT" with Ladder Leaning Against "D"

The complaint for this class action takes issue with the amount of debt and minimum payment due as set forth in a debt collection letter from Client Services, Inc., as well as other information. The law it cites is the Fair Debt Collection Practices Act (FDCPA).

Papers on Clipboard Saying "Debt Collection"

This complaint brings suit against Convergent Outsourcing, Inc. under the Fair Debt Collection Practices Act (FDCPA). At issue are two debt collection letters Convergent is apparently sending around to consumers, which the complaint says are misleading or confusing and violates the FDCPA in several respects.

Bill with Words "Final Notice" Stamped in Red

The Fair Debt Collection Practices Act (FDCPA) tries to ensure that consumer debtors are provided with all the information they need to make informed choices and are not confused or misled. The complaint for this class action alleges that Central Credit Services, LLC (CCS) violates the FDCPA because its deadline for special offers appears to conflict with the consumer’s right to verification of the debt.

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

When evaluating a debt collection letter under the Fair Debt Collection Practices Act (FDCPA), the normal standard for whether a debt collector has made things clear is whether the “least sophisticated consumer” would understand the meaning or be confused by it. Most of this complaint concerns allegations that a debt collection letter sent out by Capital Management Services, LP is not as clear as required by the law.

Ball and Chain Marked "DEBT"

At issue in this case are not just the usual violations of the TCPA and the Fair Debt Collection Practices Act (FDCPA). It is Comenity Bank NA’s alleged practice of calling the friends and family of debtors. The complaint put its central charge this way: “Comenity has a corporate policy of repeatedly contacting family and friends of debtors … using this as a tool to humiliate and embarrass debtors as well as to intentionally cause aggravation and annoyance to their relatives and friends.”

Bill Stamped with Words "Final Notice"

The complaint for this class action alleges that Duane Morris, LLP and two of its attorneys, Ruth P. Clayton and Danielle Rundlett Burns, have violated two debt collection laws. The laws are the Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA), both of which deal with consumer debt. The allegations include incorrect wording, false statements, and communicating with the debtor rather than the representing attorney.

Courtroom Gavel

The complaint for this class action alleges that debt collectors CACH, LLC and Messerli & Kramer, PA violate the Fair Debt Collection Practices Act (FDCPA) as well as the Nebraska Consumer Protection Act (NCPA) when they file against consumers in the Nebraska courts. 

Person Buried Under Letters D-E-B-T

The complaint for this class action takes issue with a number of items in a debt collection letter sent by United Tranzactions, LLC. The complaint says these items, explained below, violate both the federal Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA).

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