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FDCPA

Pile Made of Repetitions of Word DEBT

Did a debt collection firm use the name and letterhead of a related law firm to try to collect a debt because consumers are more intimidated by law firms? The complaint for this class action protests against the use of Levinbrook Law Firm, PC stationery and name to collect a debt assigned for collection to Middle Country Collection Services, Inc. It claims that the use of the law firm name is deceptive and misleading, in violation of the Fair Debt Collection Practices Act (FDCPA). 

Person Buried Under Letters D-E-B-T

Why would a debt collection company claim that they have “just received” an account, even after sending numerous messages about it, or refer to conversations that had not taken place? The complaint for this class action provides a possible explanation in the company’s use of automation to compose and send messages, but nonetheless finds the communications violate the Fair Debt Collection Practices Act (FDCPA).

Transworld Systems Logo

This class action, concerning student debt lawsuits, is brought against Transworld Systems, Inc. (TSI), Weltman, Weinberg & Reis Co. of Michigan, and Shermetta Law Group, PLLC. The complaint contends that these defendants have filed lawsuits in Michigan to collect student debt that have two flaws: (1) the defendants do not show that they own the debts they are trying to collect, and (2) the lawsuits should be brought under Ohio laws, not Michigan laws. 

Debt Papers with "Final Notice" in Red

Plaintiff Maya Troyanovsky Called EOS CCA in order to dispute a debt the company claimed she owed—but the company would not accept her oral dispute. The complaint for this class action claims that the Fair Debt Collection Practices Act (FDCPA) allows consumers to dispute debt orally and does not require that the claim of dispute be made in writing. 

Ladder Up to Tall Letters D-E-B-T

The complaint for this class action alleges that debt collector IQ Data International has no right to claim interest on a debt involving tenant bonds. The complaint says that the requests for payment thus misrepresent the amounts owed and violate the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). 

Money Being Passed from Hand to Hand

The complaint for this class action alleges that the debt collection letter sent out by Choice Physicians Billing, Inc. is deficient on several accounts and does not satisfy the requirements of either the Fair Debt Collection Practices Act (FDCPA) or the Florida Consumer Collections Practices Act (FCCPA). Among other things, the letter does not warn the recipient that at least a portion of the debt is stale and cannot be legally enforced.

Past Due Bill

One of the aims of the Fair Debt Collection Practices Act (FDCPA) is clarity for the consumer debtor. However, the complaint for this class action claims that debt collector DeVille Asset Management, Ltd. sowed confusion for plaintiff Sedrick Woods in its collection letter by both giving him notice of the thirty-day validation period and demanding payment within the same thirty days. 

Person Buried Under Letters D-E-B-T

Among the most important things for a debtor to know is the amount of the debt, and whether that amount is still increasing via the accrual of interest, late charges, and fees. The complaint for this class action claims that Financial Recovery Services, Inc. failed to make this clear in its debt collection letter to Mabel Reyes, in violation of the Fair Debt Collection Practices Act (FDCPA).

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.

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